Cinch Home Services Review


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Home warranty plans can help you avoid the headaches of paying hefty out-of-pocket fees to fix appliances and home systems that have unexpectedly broken down or malfunctioned. Cinch Home Services is one provider that offers a few different types of coverage plans for homeowners and real estate professionals. We did our homework by researching and reviewing Cinch Home Services to see if it's worth the money to sign up for a plan. In reviewing the company, we considered types and costs of available options, BBB rating, coverage territory, types of exclusions, the caps and limitations, and more. Take a peek below to see our final thoughts on the company as a whole.

What We Like

  • 180-day workmanship guarantee (among the best in home warranty providers)

  • Covers unknown pre-existing conditions

  • Coverage included for rust and corrosion, which is excluded from many home warranty plans

What We Don't Like

  • You may have to pay more than one trade service call fee for each broken item repaired in one visit

  • Monthly plan pricing can vary greatly depending on what state you live in

  • Waiting period of 30 days before coverage begins

  • Must go through purchase process to see optional coverage pricing

Company Overview

Cinch Home Services has been in business since 1978 and is headquartered in Boca Raton, Florida. Cinch’s offers three home warranty plans for homeowners with real estate plans also available. The company has 24/7/365 claims and customer service both online and by telephone.

Homeowner Plans

Home protection plans feature coverage for 22 home appliances and built-in systems. Here are the three options available from Cinch Home Services.

Real Estate Plans

Cinch Home Services offers home warranty plans for real estate professionals that include plans for buyers and sellers. Plans come with two deductible options; $100 or $200. Plans feature coverage for unlimited HVAC units, appliance coverage with no dollar limits, emergency lodging reimbursement, and multi-year discount pricing. Pricing varies by state and plan. You can obtain more information about getting a real estate home warranty quote. Cinch also offers an app available to real estate professionals called Marketopia.

Exclusions (Obtained from online sample contract)

  • Air conditioning: Outside or underground piping, well pump, and well pump components for geothermal and/or water source heat pump, interconnecting refrigerant lines (external of the equipment) window units, water towers, chillers, chiller components, water lines and legally mandated diagnostic testing when replacing heating or cooling equipment. 
  • Heating: Outside or underground piping, well pump, and well pump components for geothermal and/or water source heat pump, interconnecting refrigerant lines (external of the equipment), fuel storage tanks, portable units, fireplace, grain, pellet, or wood heating units (even if only source of heating) and legally mandated diagnostic testing when replacing heating or cooling equipment.
  • Central Vacuum: Removable hoses and accessories; access and closing costs to floors, walls, and ceilings when locating or repairing a malfunction.
  • Doorbells: When part of the intercom or monitoring system.
  • Electrical: Components wiring or cable of audio/video/computer/intercom/alarm/security wiring or telephone systems circuit overload; or overload protection and faceplates.
  • Garage door opener:Door or door track assemblies, cables, springs
  • Refrigerators: Freestanding freezer, Multi-media centers built into appliances, and wine chillers and consumables.
  • Plumbing: Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside the home’s main foundation, lines broken, infiltrated or stopped by roots or foreign objects, even if within the home’s main foundation; costs to locate or access cleanouts not found or inaccessible, or to install cleanouts, and access through roof vents; any fees for photo/video equipment, hydro-jetting equipment, chemicals, jet or steam clearing; bathtubs, sinks, showers, shower enclosures and base pans, toilet lids and seats, jets, caulking or grouting, septic tanks, water softener, water filtration/purification systems whole home water filtration system, holding or storage tanks, saunas or steam rooms. 
  • Water heater: Auxiliary holding or storage tanks, fuel storage tank or energy conservation unit(s).
  • Swimming pool and/or spa combination: Portable or above-ground spas, access to pool and spa equipment, lights, liners, jets, ornamental fountains, waterfalls, and their pumping systems, auxiliary pumps, pool cover, and related equipment, fill line and fill valves, built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers, fuel storage tanks, disposable filtration mediums, heat pump, multi-media centers, dehumidifiers, panel box and dials, saltwater generator; salt and components.
  • Septic system: Broken or collapsed sewer lines outside the foundation, stoppages or roots that prevent the effective use of any externally applied sewer machine cable, cost of finding or gaining access to the septic tank or sewer hook-ups, disposal of waste, chemical treatment of the septic tank and/or sewer lines, tanks, leach lines, cesspool, and any mechanical pump or systems. 
  • Well pump: Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing, well casings, pressure switches not located on the pump, holding, storage or pressure tanks, booster pumps, re-drilling of wells, well pump and all well pump components for geothermal and/or water source heat pumps.

Payout Caps/Limitations

The appliance cap is $2,000. There is a systems cap, but it depends on the age of the system. The maximum payout for any contract term is $10,000. The air conditioning/heating system cap is $1,500.

Repair Time

With Cinch Home Services, you should be contacted within 24 hours after filing a claim. 

Customer Service/Claims

To file a claim with Cinch Home Services, you can do so by logging into your account, by asking Alexa to open a claim for you or by calling customer service at 844-324-5688. To get a quote, homeowners may call 833-246-2424. Claims and customer service share the same number, 844-324-5688 and you can also e-mail Cinch customer service,

BBB Rating

Cinch Home Service is a BBB accredited business and has a “B+” rating as well as a 2-out-of-5-stat customer rating. There are 355 customer reviews and 2,807 complaints on the Cinch Home Service BBB profile page. The most common complaint reported was a “problem with a product or service.” 


Cinch’s home warranty plans vary by state and type of coverage and have $100, $125, and $150 service call fees. Monthly payment options are available. We obtained sample quotes from several states to help you compare coverage prices. Here is a breakdown by plan type and state. Note: The quotes we received are with the $150 service fee.

In the sample contract, optional coverages are listed as a swimming pool and/or spa combination, septic system, well pump and a premier upgrade package. However, pricing for these was not offered in the quote.

The Competition: Cinch Home Services vs. Sears Home Warranty

Both Cinch Home Services and Sears Home Warranty offer home warranty protection to homeowners in most states (Sears excludes Alaska and Puerto Rico; Cinch excludes Texas, Alaska, and Hawaii). Both Cinch and Sears offer a 180-day guarantee for repairs which is among the best in the industry. Sears offers coverage for preventive maintenance while Cinch does not. Pricing for Sears plans is $49.99 to $69.99 per month where Cinch’s pricing varies greatly depending on the plan and state. The plans range from $27.99 to $84.99 per month. Sears has the better BBB rating of “A-” while Cinch has a “B+” rating. However, Cinch is accredited with the BBB and Sears is not. So we'd recommend going with Sears Home Warranty instead.

Final Verdict

Cinch Home Services has been in business since 1978 and has comprehensive home warranty protection plans for 47 states (Texas, Alaska, and Hawaii are excluded). With three plan options, it’s easy to find one within your home budget even though the pricing varies greatly depending on where you live. But all in all, Cinch Home Services is just an OK option for us. We wish there was a bit more transparency in optional coverage pricing and feel you shouldn't have to pay more than one service call fee in one visit if you need two things fixed (say, plumbing and electrical).