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Cinch Home Services Review 2022

Patrick Sather

In a Nutshell

Excluding Alaska and Hawaii, Cinch Home Services offers home warranty coverage nationwide. Premiums vary by state, ranging from $335.88 per year in California to $1,163.88 per year in New York. In addition to normal wear and tear, it covers rust and corrosion damage and pre-existing conditions. Repairs are scheduled within 2 to 24 hours, and there is a 180-day service guarantee. However, service fees are higher than those of competitors.

pros

  • Covers rust and corrosion damage and pre-existing conditions
  • 180-day service guarantee
  • Schedule repairs within 2 to 24 hours

cons

  • Not available in Alaska or Hawaii
  • Not as many add-ons offered as some competitors

Cinch Home Services Cinch Home Services Visit Site

Cinch Plans and Coverage

With Cinch, you can choose between 3 different home warranty plans. Its Appliances plan covers most of your home’s major appliances, starting at $27.99 per month. The Built-in Systems plan covers your home’s systems, beginning at $32.99 per month. If you need full home coverage, Complete Home combines Cinch’s Appliances and Built-in Systems plans into one combo package. Pricing for Complete Home starts at $39.99 per month and new customers receive their first two months for free. 

Covered Items
Appliances
Built-in Systems
Complete Home


Best for major appliances coverage

Best for systems coverage

Best for full home coverage

Clothes dryers and washers

-

Cooktops

-

Dishwashers

-

Food centers (built-in)

-

Freestanding ice makers

-

Microwaves (built-in)

-

Ranges

-

Range exhaust hoods

-

Refrigerators

-

Trash compactors (built-in)

-

Wall ovens

-

A/C (including ductwork)

-

Attic fans

-

Ceiling fans

-

Central vacuums

-

Doorbells

-

Electrical system

-

Garage door openers

-

Garbage disposals

-

Heating system (including ductwork)

-

Instant hot/cold water dispenser

-

Plumbing system

-

Smoke detectors

-

Sump pump

-

Toilets

-

Water heater

-

Whirlpool/jetted tub (built-in)

-

Homeowners insurance deductible reimbursement

-

-

A/C or water filter credit

Water sensor

Optional Add-Ons

For an additional fee, you can purchase additional coverage for the following features:

  • Swimming pools and/or spas (heaters included)
  • Septic system
  • Well pump
  • Premier Upgrade Package

The Premier Upgrade Package provides up to $2,000 of coverage per year (two claims of up to $1,000) when there are charges that are not normally covered under a home protection plan such as permits, code upgrades, removal and disposal costs, and more. See Cinch’s terms and conditions for more details. You can add additional coverage before or 30 days after signing your agreement without a home inspection. After 30 days, a home inspection is required to add optional coverage.

Cinch home warranty homepage

Plan Exclusions

Unlike most of its competitors, Cinch covers damage caused by rust or corrosion in addition to normal wear and tear and also covers unknown pre-existing conditions. Coverage is available for single-family homes, including condos, townhouses, and manufactured homes no more than 10 years old. Cinch does not cover commercial properties, mobile homes, residences listed on a historical register, or multi-family residences. 

Components and parts excluded from coverage include:

  • A/C, heating, and ductwork: well pump, outside piping, refrigerant lines, window units, water towers, chillers including components, water lines, fuel storage tanks, fireplaces, portable heating units
  • Central vacuum: removable hoses and accessories, access and closing costs to floors, walls, and ceilings
  • Electrical system: components and wiring related to audio/visual/intercom/alarm/security systems, overload protection, face plates
  • Garage door opener: door and door track assemblies, cables, springs
  • Refrigerator: free-standing freezer, multi-media centers built-in to appliance, wine chillers
  • Plumbing: stoppages caused by damaged drains, outside lines, costs to locate and install cleanouts, fees for specialized cleaning, bathtubs, sinks, showers, toilet lids and seats, caulking or grouting, septic tanks, water softener, water filtration system, storage tanks, saunas, steam rooms
  • Water heater: storage tanks, energy conservation units

Cinch does not guarantee to provide an exact match in color, dye, lot, material, type, or brand when making repairs or replacements. In addition, Cinch will not pay the cost to dismantle or remove defective equipment, or recapture, reclaim, or dispose of refrigerant. 

Cinch Plan Pricing

Cinch provides 3 home warranty plans for you to choose from. Each plan gives you the option to choose a $75, $100, or $150 service fee. The higher your deductible, the lower your monthly or annual premium. For this review, we ran a quote for a house located in Austin, Texas. Based on this information, Cinch’s Appliance plan costs $34.99-$50.99 per month or $419.88-$611.88 per year. For its built-in systems plan, pricing varies between $39.99-$57.99 per month or $479.88-$695.88 per year. Lastly, the cost for its Complete Home Plan is $49.99-$67.99 per month or $599.88-$815.88 per year.

Plan Type (Texas)

$100 Deductible

$150 Deductible

Appliances

$50.99/month or $611.88/year

$34.99/month or $419.88/year

Built-in Systems

$57.99/month or $695.88/year

$39.99/month or $479.88/year

Complete Home

$67.99/month or $815.88/year

$49.99/month or $599.88/year

Sign up now for a Cinch home warranty plan and get the first two months for free.

Cinch Home Services Cinch Home Services View Plans

With this in mind, premiums can be higher or lower than those quoted here. In California, its Appliances plan starts at $27.99 per month or $335.88 per year, while in New York its Complete Home plan costs up to $96.99 per month or $1163.88 per year.

How to file a claim with Cinch

To file a claim with Cinch, you can call customer service 24/7 or submit your request online. Once you have submitted your claim, Cinch will attempt to contact an authorized service provider within 2 hours during normal business hours, and within 24 hours if the request is received outside normal business hours. Your deductible may be due in full at the time you submit the claim.

In total, the maximum liability Cinch will pay during a contract is $10,000. However, it also limits coverage on individual features in your plan. Individual limits per term include:

  • A/C and heating: $1,500
  • Kitchen/laundry appliances: $2000
  • Swimming pools/spas: $1,500
  • Septic tank pumping: $500
  • Septic system: $1000
  • Well pump: $1,500
  • Premier Upgrade: $1000-$2000

If you require additional service within 180 days for a repaired or replaced part or system, Cinch will waive the service fee for parts or labor. 

Is Cinch Legit? 

For 40 years, Cinch has provided home warranty coverage to homeowners nationwide. Its 180-day service guarantee is one of the best in the business. In addition, its pricing is more transparent than that of many competitors. Cinch is accredited with the Better Business Bureau, which awards the company a B+ rating. However, it received more than 3,145 complaints in the last 3 years. The majority of complaints mention delayed service requests and refunds for replaced appliances or services.

What’s Unique About Cinch?

Cinch’s website is one of the most transparent and easy-to-use in the industry. With its online quote feature, you can get an instant quote based upon your location for any of its three plans or service fee options without having to call and speak to an agent. 

In addition, Cinch offers several promotions to new customers. All of its plans include a $25 credit to use toward filters for your A/C or refrigerator. It also provides new customers with a free water sensor that can help detect leaks inside your home. You may be eligible to receive a free month of coverage with the purchase of any of its plans. To see if you qualify, request a quote online or over the phone with one of Cinch’s customer service representatives. 

Help and Support

You can call Cinch customer service over the phone 24/7 if you need help submitting a claim or have questions about your account. If you prefer to send a message, email support is available at info@cinchhs.com

Cinch allows you to create an online account to view and manage your home warranty. In your online account, you can: 

  • Download your plan documents
  • Request a service
  • Check the status of any service requests
  • Update your payment method or contact info

It also features FAQs and blog posts on its website. The FAQs provide answers to some general questions, while the blog posts offer helpful tips on how to maintain your home. 

What about the Cinch app?

Cinch doesn’t currently offer a mobile app.

How to Get Started with Cinch

To purchase a home warranty with Cinch, you must either live in your home or be in the process of purchasing a new property. You will need to provide your name, address, contact information, and credit card information. You can call customer service to begin your application, or get a free quote on Cinch’s website. If you use the website, Cinch will provide you with an instant quote after you enter your email and zip code. While Cinch offers coverage nationwide, its services are not available in Alaska or Hawaii.

If you are unsatisfied with your plan or simply wish to cancel your service, Cinch offers you a full refund within 30 days of your contract start date. After the 30-day introductory period, you can cancel your contract for a prorated amount minus a $25 processing fee. 

How Cinch Compares to Other Home Warranty Services

Average annual premium

$335.88-$1,163.88

$500-$650

$476–$660

Contractors

18,000 in-network

In-network only (number unspecified)

15,000 in-network

Service call fee

$75, $100, or $150

$75

$60

Service requests

24/7 by phone and online

24/7 online and phone

24/7 by phone

Cinch Home Warranty vs. ServicePlus Home Warranty

On the low end, Cinch’s premiums are more affordable than those offered by ServicePlus Home Warranty. If you can qualify for its lowest rate, Cinch may be the better option if you just want appliances coverage. On the other hand, ServicePlus is the better choice if you want to save money on service visits, as it charges a flat $75 service fee.

Cinch Home Warranty vs. InHome Warranty

Compared to InHome Warranty, Cinch’s premiums for full-home coverage are likely going to cost you more money. In addition, InHome Warranty charges a more affordable service fee. This makes InHome Warranty a better option if you want to save money on premiums and fees. However, if you value having access to a larger network of contractors and 24/7 online support, Cinch may be the better company for you.

Cinch Home Services Cinch Home Services Visit Site

Bottom Line

Cinch Home Services is suitable for homeowners who value transparency and flexibility when choosing a plan. The plans are especially affordable for residents of California, comparing favorably to those of competitors. Its 180-day service guarantee is one of the best in the business, and you can get a full refund if you cancel your contract within 30 days. Although it charges a high service fee, most people should be able to find a plan to fit their needs and budget. You can file a claim 24/7, and Cinch will contact an authorized service provider within 2 to 24 hours to schedule your repair.

Frequently Asked Questions
When does Cinch Home Services coverage begin?
-
+
With Cinch, your coverage begins 30 days after submitting your service agreement.
How much does Cinch Home Services cost?
-
+
Costs vary by state and the service fee selected with your contract. Premiums range between $336 and $1,163.88 per year.
Can I choose my own technician for repairs with Cinch Home Services?
-
+
No, repairs must be completed by one of Cinch’s 18,000 in-network technicians to qualify for coverage.
Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.

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