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Cinch Home Services Review
In a Nutshell: With three flexible coverage plans and over four decades of industry experience, Cinch's simple claims process makes saving on repairs easy. When you consider their award-winning service and 180-day workmanship guarantee, Cinch is an excellent choice for homeowners looking to protect their appliances and home systems.
Cinch Home Services Review
In a Nutshell: With three flexible coverage plans and over four decades of industry experience, Cinch's simple claims process makes saving on repairs easy. When you consider their award-winning service and 180-day workmanship guarantee, Cinch is an excellent choice for homeowners looking to protect their appliances and home systems.
Cinch Home Services Review

Overview

With over 40 years of experience, Cinch Home Services is an industry-leading company that offers home protection plans across 48 states. You can choose from three different plans including a package that covers appliances, a package that covers built-in systems, or a package that covers both giving you total home protection.

As an award-winning company with a 180-day workmanship guarantee, you’ll find it difficult to find a home warranty that compares when it comes to Cinch. Not to worry if your services break down, as Cinch’s network of service pros is located nationwide. They can make sure your home systems and appliances function again quickly. A great perk of Cinch is that it covers pre-existing conditions and rust/corrosion damage, something that other companies do not offer.

Packages

Cinch offers a range of three affordable home protection plans including the Appliances plan, Built-in System plan, and a Complete Home plan. Customers also have the option to add additional add-ons to ensure that all customers can create a suitable home warranty package for their needs. These include coverage for spas, pools, septic tanks, and well pumps. Let’s take a closer look at each:

Appliances Plan

Cinch takes care of protection for all your home appliances. The Appliances plan covers all the major items you use day-to-day such as the washing machine, refrigerator, tumble dryer — you know the things you can’t live without!

Built-in Systems

With the Built-in Systems plan, the main systems in your home will be covered including heating, cooling, A/C units, heat pumps, plumbing and electrical components.

Complete Home

As a combination of the two plans above, the Complete Home plans offer you full home protection for both appliances and built-in systems meaning that you’re totally covered no matter what. This choice is popular amongst homeowners and offers great value for money.

VIP Complete Home Plan

For more information and pricing on the Cinch VIP Complete Home Plan, please speak with a Cinch Sales Representative. It includes:

  • $1,000 deductible reimbursement for your homeowner's insurance (regular is $500)
  • An appliance cap of $10,000 per claim (regular is $2,000)
  • Surge protection up to $1,000 per year
  • 2 complimentary HVAC maintenance visits per year with no cap on refrigerant
  • Outside gas, sewer, and water line coverage
  • $100 per year Locksmith Reimbursement Service
  • Premium Upgrade Plan included at no additional cost

Terms of Service

Cinch home warranty protects your home systems and appliances by repairing or replacing anything that goes wrong or breaks down. However, terms and conditions do apply. It’s important to fully understand exactly what your plan covers and what it doesn’t.

Whenever an item requires repair or replacement, you have 24/7 emergency repair access which you can contact by phone or online. Cinch will send out one of their service pros that are based nationwide to your home for repair, rapidly. This service includes a deductible charge that you will be informed of beforehand.

For more information about item coverage and limitations, please read Cinch's home services agreement.

All contracts last for 12 months, and payments are taken either monthly through direct debit or paid in one up-front payment annually. You have 30 days to cancel a new contract and receive a full refund if no claims have been made. Otherwise, if you wish to cancel your contract at any other time there will be a $25 cancellation fee.

Customer Support

Cinch has received 41 prestigious Stevie Awards® for Excellence in Sales and Customer Service—and for good reason! With a team of 900 dedicated members offering 24/7 customer service, you’re sure to be in good hands with Cinch. Whether you have a compliment, a complaint or you just wish to reach out and speak to a member of staff with any questions you can contact the company directly by completing an online contact form. Otherwise, you can reach the team by email or phone. During normal business hours, Cinch will respond to a claim in just 24 hours all other times. All of this information can be found on the official Cinch website.

Cinch Home Warranty Pricing and Plans

Cinch home warranty pricing differs depending on your location and the type of coverage you choose. Here is a basic outline of each home warranty package and the price that the plan starts at:

The Appliances plan starts at $30.99 per month

The Built-in Systems plan starts at $35.99 per month

The Complete Home plan starts at $44.99 per month

With flexible plans, you can decide to pay monthly or annually for your home warranty package. Appliance repair fees begin at $79 and a pre-screened, local service pro will come to your home to take care of this.

Word on the Street

The majority of people have nothing but great things to say about Cinch! Let’s take a look at what others are saying:

Heather, Trustpilot

My garage door wouldn't open the morning that we were set to leave for vacation. Such a bad way to start a vacation!! I knew that I had a home warranty so I didn't worry too much, on the way back, I submitted the claim via my phone (from the airport) and the technician reached out quickly to confirm the appointment. I thought it would just be something small, maybe the door needed an adjustment or something but no, the motor needed to be replaced! The tech told me that it normally costs about $900 parts and labor to fix, I only had to pay my $135 deductible. They had the part in stock, sent a guy out the next day to fix it, took him about 45 minutes and we are back in business.

Beth, Better Business Bureau

Excellent customer service! The Company is really concerned that you are satisfied with your service work!

Cathy, Consumer Affairs

I've been with Cinch for 15 years. I wouldn’t go anywhere else. When I get things broken down in my house, it gets fixed as soon as they do. They have met all my expectations. My air conditioning went out. My refrigerator also went out about five times. It’s just been amazing for me. When I make a call, the service is fast. They get people here and so far, they've been reliable and professional companies. Their price is also decent. I would definitely recommend Cinch to people.

The Bottom Line

Cinch Home Services offers affordable home warranty plans with a 180-day workmanship guarantee.

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Pros
  • Easy-to-use quote form
  • 180-day workmanship guarantee
  • Coverage for rust & corrosion
Cons
  • No roof-leak protection
  • Limited add-on options
FAQs for Home Warranty
Purchasing a home warranty is the best way to protect yourself from expensive home and appliance repairs. To help you learn more about home warranties and how they work, we have compiled answers to some of the most commonly asked questions about home warranty plans.
What is a home warranty?
Similar to a warranty that comes with the purchase of a new phone, or piece of equipment, home warranties, cover home appliances and system repairs. Home warranties shield homeowners from the high cost of unexpected appliance breakdowns and system failures. They provide protection not just for your home, but for your budget and time as well.
How do they work?
What's great about home warranties is that, unlike a standard warranty that comes with an appliance, home warranties cover a wide variety of appliances that can be customized depending on your needs. When signing up for a home warranty or receiving an initial quote, you will be asked to fill in basic information about the location of your home and which appliances you want to cover. Most home warranty companies like Choice Home Warranty, Select Home Warranty, or American Home Shield, offer a choice of several plans with options to add appliances based on need. These home warranty companies will charge an annual contract fee for yearly coverage and a small service fee when they need to send someone to repair or replace an appliance. Typically home warranty companies work with certified local technicians who work quickly and efficiently to help ensure your home is back in working order.
What appliances do home warranties cover?
As mentioned, home warranty coverage varies from company to company and there is no one set item list that all home warranties cover. In general, it's best to review your contract and make sure all your essential appliances are listed.

In general home warranties may cover some of these items and more:
Central heating systems
Air conditioning systems
Electrical systems
Plumbing systems
Washing machines and dryers
Microwaves
Dishwashers
Refrigerators
Ovens and stove-tops
Why would you need a home warranty?
As a homeowner, you never know when your essential systems or appliances may break, and repairing them can be both time-consuming and extremely costly. Home warranties are there to offer peace of mind by ensuring you’ll be taken care of by certified professionals when the unexpected occurs.
What's the difference between a home warranty and home insurance?
Home warranties differ from home insurance plans in that home warranties cover appliances and systems that break due to wear and tear, while home insurance policies protect your home from losses or damages caused by natural disasters, fire, theft, and more. Home insurance plans cover the structure of your home in such cases, so if you have broken windows, doors, water damage, etc. a home insurance plan will have you covered. In other words, if you have an air conditioner that is leaking and causing water damage in your home, a home warranty plan will cover the cost of fixing the AC. In contrast, a home insurance plan will cover the cost of fixing whatever was damaged by the water.
Who are home warranties for?
Typically home warranty plans are purchased by homeowners who want to ensure they are covered in case of a breakdown. However, others can benefit from the services a home warranty provides. Landlords who have purchased a home and are renting it out should strongly consider purchasing a home warranty plan. As a landlord, the last thing you need is for a tenant to be without a heater, fridge, or even electricity. You'll find yourself scrambling to find the proper technician without knowing how much you'll have to pay out-of-pocket. A home warranty provides you with peace of mind and is a significant selling point for a tenant when considering homes.

Real estate agents can also benefit from home warranty plans and many agents will purchase a home warranty to protect the buyer. This can be done as a gift as a way to say thank you for their business. Moving into a new home with a home warranty already in place provides the buyer with peace of mind knowing there won't be unexpected costs to fix systems or appliances.
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