Cinch Home Services Reviews
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- $30.99 to $93.99
- Monthly premium cost
- 48 states
- Availability
- 180 days
- Labor guarantee
- Starts at $75
- Service fee
About Cinch Home Services
Cinch Home Services is a home warranty company currently operating in 44 states. It sells three home warranty plans with three different service fee options for flexible coverage and pricing. Cinch also has an online claims portal and a 180-day workmanship guarantee.
Pros & Cons
- Three plan options
- Three service fees to choose from
- 180-day workmanship guarantee
- Covers unknown preexisting conditions
- Somewhat high service fees
- Not available in all states
Featured Reviews
The workmen Cinch provides are always very knowledgeable and courteous. ... We've been satisfied with their response. It's one thing off your mind, because when something goes wro...
Read full reviewThe gentleman they sent to do the repair for the range hood was fine. But getting the right person to get the repair scheduled was a real pain. ... But once I got to the right per...
Read full reviewCinch Home Services coverage and plans
Cinch Home Services sells three home warranty plans: an appliances-only plan, a systems-only plan and a combination plan (Complete Home). It’s a pretty standard selection, but one standout feature is that it does include a $500 homeowners insurance deductible reimbursement as part of the combination coverage. Also, its plans cover mechanical failures caused by rust, corrosion or sediment.
Appliances Plan | Systems Plan | Complete Home | |
---|---|---|---|
Clothes dryer | |||
Clothes washer | |||
Cooktops | |||
Dishwashers | |||
Food centers (built-in) | |||
Free-standing ice makers | |||
Microwave (built-in) | |||
Ranges | |||
Range exhaust hoods | |||
Refrigerators | |||
Trash compactors (built-in) | |||
Wall ovens | |||
Air conditioning (including ductwork) | |||
Attic fans | |||
Ceiling fans | |||
Central vacuums | |||
Doorbells | |||
Electrical system | |||
Garage door opener | |||
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) | |||
$500 homeowners insurance deductible reimbursement |
There’s also a long list of add-ons available starting at around $5 per month, including pool or spa only (heater included), pool with spa (heater included), septic tank/plumbing and well pump coverage. The company also sells a Premier Upgrade Package for an additional $12.50 per month at the time of publishing that provides additional coverage for permits, code upgrades and more.
Each plan covers up to $10,000 worth of repairs or replacements within a contract year, although some systems and appliances have coverage limits. For example, the company will only pay up to $2,000 per covered kitchen and laundry appliance (including access, diagnosis and repair).
Cinch Home Services cost
Cinch Home Services offers three service fees — which you choose affects the overall monthly cost of your plan. The higher your fee, the lower your monthly cost. Choosing a higher service fee may be a good idea for homeowners who don’t expect to have a lot of service calls in a year but want to ensure they’re covered if they do.
Those who may have more issues in a calendar year may financially benefit from a lower service fee, even if the monthly cost is higher.
Service fee | Appliances | Built-in Systems | Complete Home |
---|---|---|---|
$100 | $48.99 per month | $55.99 per month | $66.99 per month |
$125 | $47.32 per month | $52.32 per month | $63.32 per month |
$150 | $38.99 per month | $43.99 per month | $54.99 per month |
Cinch Home Services coverage exclusions
Like most home warranty companies, Cinch Home Services has some plan exclusions. Its list is pretty simple and straightforward, with no big red flags. Here are a few of the key exclusions:
- Routine maintenance
- Items covered by any other warranty, insurance or guarantee
- Failures caused by anything other than normal wear and tear, like mold, neglect, "acts of God," etc.
- Costs of construction, code upgrades, modifications, disposal of old equipment and more
- Commercial-grade appliances
- Flues, venting, chimneys and exhaust lines
- Items without a visible model or serial number
- Recalled or defective items (as determined by Consumer Product Safety Commission or manufacturer)
- Improper installation or repairs
- Anything below the slab or basement floor
It’s important to note that each type of repair has its own exclusions. For example, cooktops are covered, but the company won’t replace a cracked glass top that was “misused” or “abused.”
For a full list of exclusions, check out your contract.
Cinch Home Services claims and coverage limits
You can either request service through your online account or by calling the company directly. In many cases, you can open the request and put in your preferred appointment time simultaneously to expedite the process. Once the request is in, Cinch will provide a referral to one of its service professionals (usually within two hours during normal business hours).
The company doesn’t make any guarantees on when that service professional will schedule your appointment, however.
All services are backed by a 180-day guarantee for workmanship. So, if something breaks down after your service but before this period has passed, Cinch will return and fix it for free.
Coverage limits
The following items or systems have a coverage limit per agreement term.
Item or system | Limit per agreement term |
---|---|
Central air conditioning/cooling system | $1,500 |
Septic tank/septic tank pumping | $500 to pump, $1,000 to replace |
Heater for swimming pool and/or spa | $1,000 |
FAQ
Is Cinch Home Services legit?
With more than 40 years of experience, Cinch Home Services is a big name in the home warranty industry. Cinch backs up its work with a fairly long workmanship guarantee, and its plans include comprehensive coverage. It’s also easy to submit and track a claim through the Cinch online portal.
What is Cinch Home Services?
Cinch Home Services is a company that offers both home warranty and home protection plans. The company offers three different plans, each of which protects important items and systems in your home.
How does Cinch Home Services work?
You can get a quote for Cinch Home Services by filling out an online form or calling the company. After you’ve signed your agreement, you can begin submitting claims as needed on your covered appliances or home systems when they need to be repaired.
Does Cinch Home Services require a home inspection?
No, a home inspection is unnecessary to qualify for a Cinch home protection plan. Its plans cover all appliance makes and models and unknown preexisting conditions.
Can I pick my own service technician with Cinch Home Services?
Usually, the company selects its own in-network professional for service, but it may authorize your claim for work by someone out of network after some paperwork. Make sure to read your contract to see everything required before you go this route to ensure you’re covered when it comes time to get reimbursed.
How long is Cinch Home Services’ workmanship guarantee?
Each service comes with a 180-day guarantee on work. If a repaired or replaced system breaks down again during that time, contact the company directly.
Does Cinch Home Services have an age limit on systems or appliances?
Cinch Home Services covers all makes, models and ages of systems and appliances (included in its coverage list). Older models aren’t exempt from repair or replacement coverage.
Where are Cinch Home Services warranties available?
Cinch Home Services is available in all states except Alaska, California, Hawaii, Iowa, Massachusetts and Utah.
How can I manage my Cinch warranty plan?
You can create an account any time after you purchase your plan by visiting the customer login page on the company’s site. With your online account, you can request service, check service request status, download plan documents, update information and more.
Cinch Home Services Reviews
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Reviewed March 19, 2024
The first year, our experience with Cinch was amazing. We had a generator went a little bit after we bought the house. So, we paid the deductible. They were working and checking back on the order so that part was wonderful. That was the only thing we had to use it for the first year. On the second year, the rates went up some, and then the deductible went up. Then I got an email just recently that the monthly fee is going up. It was 65 in the beginning and now, it's going up to 75. The deductible was 100. And now, it is 150. That is a big increase. I'm starting to contemplate just getting a warranty at the store and have it on because they offer a warranty on appliances up to five years for just one fee and no deductible at all. That might be worth the sacrifice.
Something went wrong with the plumbing this year. I paid the deductible of 150, and they didn't have anybody that was in our network. So, they said I can call anyone that I know that's local and I will have to pay the whole thing and then they'd reimburse me. Customers pay for insurance because they don't always have that full fee. Luckily, it was tax season, so I had the money to do it. So, I paid it upfront. They told me it was gonna be close to $500. They subtracted that 150 deductible, and then they mailed me later. The process was you got to wait for them to fix it, and then once it's done, then they send out the invoice and then you email Cinch the invoice, and then they get a check out to you in the mail in 12 days. That's like three weeks you put out money.
The company that I picked worked on my father's house. They were called Stevens & Son Plumbing. So, they got me an appointment quickly, which was the next following week. They came out. I got to take off a half a day so they can get the work done. By the time they get the invoice and to email them the invoice, then their reviewer review it, it's two and a half weeks. So, the only sucky part that they got to think about is the deductibles. If they don't have anybody in the network, then the deductible should be lowered or they shouldn't have to put all that money upfront.
Cinch did reimburse me the money. It wasn't like a dragged-out going backwards and forth but the thing is you pay that insurance because you don't know if you're gonna have that big lump sum to pay it off or you don't wanna charge your credit card for it and then wait to be reimbursed. If they don't have no one in network, they should either ask the company to give an estimate and then send the invoice directly to them and they just pay it off. Other than that, the customer service is good. I like how they call back and check on things. So, I love them and I wouldn't wanna leave, but that put a damper on it a little bit because 150 also is a lot to come out of pocket with.
Hello Lakisha- We value your concerns and would appreciate the opportunity to discuss this matter directly. If you would like to discuss your concerns with us directly, email erelations@cinchhs.com and we'd be glad to have a member of our leadership team reach out to you. -Christine - We value your concerns and would appreciate the opportunity to discuss this matter directly. If you would like to discuss your concerns with us directly, email erelations@cinchhs.com and we'd be glad to have a member of our leadership team reach out to you. -Christine
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Reviewed March 19, 2024
I've been with Cinch Home Services for so long. It's worth it. I value it. I know my deductible and I know to send that in. Cinch would contact a repairman who would call and we set up a time. They would either come out and assess and come back. They used to come out and fix it right away. But this time they came out and said, “We need parts.” After Cinch contacted them, they would call me and I deal with them directly. And the contractor would talk to Cinch, and it would be very simple.
Back before it was Cinch, I had a guy come in here. He was supposed to change out of a bathroom faucet. And it was an older house, so he said that he didn't know if he could do it. He said would show, but he didn't, and he called the next day and said he was running late and had to go to his kid’s sports event. I said, “I have kids myself. I get it. But we also both have phones. You could have called.” When he showed, he came and looked at it, and he went out to his truck. He said, “It's kind of old. Let me go out my truck and see if I got stuff.” He left. No calls or nothing. I called him after that, and he said, “No, I can't do it.” I said, “Dude, you got a phone. Let me know. I can get somebody else.” The guy after that came and said it is old, so he had to cut the surround for the tub. He cut that, and there was a big hole, and he just put duct tape over it.
The last guy I had for my dryer came. He said, “The belt's broken. We're gonna do the belt, we're gonna do the pulley.” But there was a problem. The serial number and the model number didn't line up. I called Whirlpool and they said there’s not such an animal. I said, “Me and the repairman looked at it, and it's stamped on the plate.” It's not a sticker. It was a plate with embossed numbers in it.
They called back. They said, “We don't wanna work on it because it's not correct, and their liability.” I said, “I get it. No problem. So, I called and Cinch called another contractor, who called me and I said, “The numbers don't line up.” He said, "You give me the model number." He said I was fine. I gave him the model number. I said the other guy came out. It was the belt and the pulley. He said, “Good to know. I'll bring them with me.”
He came. He brought them with him. He changed the belt pulley and the rollers. But before he put the drum together, he said, “There's a seal back there. It would work, but it's worn and you're gonna have to go through all this whole step to change that." That was a Friday. He said, “I have one in the warehouse. Can I come back Monday? And that way, I can just change it and it'll be completely good." I said, “That's fine.” He would put it together. I said, “No, no, no. I just want to do laundry over the weekend, That way, we don’t have to take it all apart.” He went the extra step and changed that while he was there. And it was my choice to change or not. I told him to change it. That was the other end of the spectrum which was concerned. He cared, and was professional. Preventative maintenance.
I like having the security, because if something is going to break and it's never a convenient time to break. I only made one claim since it became Cinch, but I that process may have been improved, knowing the contractors. If they know something would break, somebody could at least take a look at it and tell me if they could fix it or if I should get a new one, or which way to go.
Joseph, Thank you for sharing your experience with Cinch Home Services! We're glad to hear that you find value in our service and appreciate your loyalty. Our aim is to provide efficient and reliable assistance to our customers, and we're pleased to know that our contractors have been helpful in addressing your repair needs. We look forward to being there for you again when you need us! Sincerely, Angela
Reviewed Sept. 1, 2023
Cinch Home Services is overall, a good company. We had to get our garage door fixed, and there wasn't any available to come here. We had one that was up the street, and it took forever for it to be approved. I didn't like that. Also, it used to be you could pick your service person. Because we like to stick with the same one. We don't want different companies coming in. Because as soon as we got a different person to come in to look at the central air, they quoted all kinds of stuff. The people we normally would get wouldn’t do that. So, we had them to come out again. That's why we like the service people that we are familiar with. And we don't have to deal with people that are coming out just to get us to get a new unit. But the policy now is we cannot pick who we want unless they don't have anybody else.
The recordings are pain in the butt. It's ridiculous because we don't get to talk to a person right away. And sometimes the prompts do not take us to what we need. I don't like that we have to go this step to this step to this step just to get to where we need to go. The phone should be more personal where we could get ahold of a person and not be bounced around to one person to another. I dread making the phone call to get the process going. It shouldn’t be that way. Sometimes the ball is dropped. And that has happened a few times. I have a number to a supervisor. So, I try to give it some time. Also, I've had a couple of times I’ve put a claim in and not heard from anybody. They never heard that there was a claim. I don't like to think that I have to have a turnaround of 24 hours, but I would wait and find out my claim was never written up. But it used to be worse than it is now. It has gotten better.
We had a company come out for a refrigerator two years ago. But the poor man couldn't even get on the floor. He's elderly to do the job. And he did the same thing with our washing machine. The man couldn't perform his job. You gotta be able to get down and do your job. I don't care how old you are. You could be 90. If you could perform your job, that's okay with me. It's about capability. That was the worst service we had. We just know not to go with them.
Usually, I'm satisfied when the job is finalized. After the garage was done, I got a substantial amount of money back from the initial. It was $1,000. I got back 800 for the service being done. So, I've been satisfied as far as replacement. One year, we had two refrigerators replaced within a couple of months apart. So, after two or three tries, and they would say, “Okay. We give up.” I like that. If the appliance couldn't be fixed, they would offer us to get another one. So, I've been, on the most part, happy with them. I referred them to a couple of people.
Dear Lucille, I’m sorry to hear that you experienced problems with our automated system. We are always working to improve our customer experience and we appreciate the feedback you provided. We will ensure it is provided within the organization in an effort to improve future interactions. Thank you for being a loyal customer for 22 years!! Sincerely, Christine
Reviewed June 18, 2023
My air conditioner broke in October of last year and I didn't call right away because I didn't need it anymore. So, I called Cinch in February and I said, "My air conditioner broke last year, central air conditioner unit. You know, the outside box wouldn't come on." I didn't call because I didn't need it, but I was assuming that, eventually, they might get busy and I wanted somebody to look at it before May. There would be a $125 charge, and then they would give you the name of a vendor to call. So, I called the vendor and the guy came out on a day at the end of February. It was probably 68 degrees. He looked at the air conditioner and said, "Oh, this is old." I said, "I know it's old. It was here when I bought the house in 1998." I just had it serviced once, and the guy told me to never get rid of it until it can't be repaired. It's a Lennox. It's a great air conditioner. So, I would rather fix it if I could fix it.
The guy said, "Oh, we can't turn on an air conditioner until it's been 72 degrees for longer than 10 days. So, I don't know why they sent me out here, but I can't do anything today." So, I asked him if he would reschedule when it's more than 72 degrees for 10 days, and he said he didn't know. Three weeks went by, nobody called me. So, I called the company and they said, "Our policy is that it has to be 72 degrees for 10 days." They were never gonna send somebody out again unless I called and I owe them another fee. So, I asked the woman, "Really? Is that a trick that you don't tell the person calling? 'It's not a good time for you to call, wait until it's 72 degrees,' that you actually send somebody out and then they don't do anything?" She insisted that that is how they do business.
So, I called Cinch. I just got the information that they took over. The woman said, "I will have somebody more local come out to you." She gave me a phone number. She told me to call them because I was a little annoyed about it. Then 15 minutes later, the guy from the company called me and told me that Cinch contacted him. He came out the next day, and he said it was a compressor issue. He put the part in. I asked him if I owed him the service charge and he said Cinch told him that they would give him the service charge just to come out and fix my unit, and he went home. So, Cinch really did a good thing. Then somebody from the other company called days later and apologized and said that they would send somebody else out. I said, "It's okay. Cinch already sent somebody else. There is no reason for you to come back." So, my experience with Cinch was a good one.
Dear Katherine, We're sorry to hear about the issues you encountered with your air conditioning claim. Ultimately, our goal is to make managing home repairs easy and we are pleased to hear that you are overall satisfied with your service. Thank you for sharing. Sincerely, Christine
Reviewed May 5, 2023
I moved in to the house April 1st. Shortly thereafter, once I got settled in, I found four problems. One was with the dryer. Another was with a dishwasher. One was with the stovetop. And the other was with the pool heater. Cinch Home Services did all the stuff. They were responsive with them. Because everything was simple repairs. Replace a part. I had appointments the next day to have the guy come out.
I got a text saying my technician is coming back out to replace the control panel in the stovetop. It tells you who my technician is and that he is expected between 8:00 to 5:00. I got that yesterday. And this morning, I got an update saying, "He's five stops away. It'll be 1:27." So, Cinch is good about updates because he's expected to get there at 3:14. And he can't replace the parts. He has to get approval. He had the part for the dryer, and he was able to replace it. So, it's a one stop deal. The dishwasher was something stupid. The previous homeowner got a new garbage disposal and never took the plug out when he hooked up the dishwasher. So, the dishwasher would not drain. That was a simple fix. And the stovetop was also simple, but the tech had to get that part ordered because he doesn't carry those. Parts came in, and he's coming out today to install.
But when it came to going online to address my pool heater, Cinch didn't have a pool option. But that's one of the services they cover. So, when I called Cinch's 800 number, they tried to direct me to go online to address and file claims. Which is fine and dandy because online they have is it an appliance, a kitchen, a dishwasher, but they didn't have a category for pools. And the pool is one of the covered services. So, it complicated things.
I had to call, wait until I got ahold of somebody. Called about the pool heater, and they didn't have anybody in the area that could service it. So they said, "Go find your own, we'll reimburse you." I called one. They came out and looked at the pool heater last Friday. And they said, "Yup. It's not repairable 'cause it's a gas pool heater. The manifold and the gas tubes are rusted out. So we have to replace the system." They sent me the invoices saying the diagnostic thing, "Hey, yup." And they did that Monday.
Monday I called Cinch and asked what they needed me to do because I figured I had to get pre-approval before they would authorize replacing the $4,400 pool heater. They said, "Yup." So I emailed them Monday with the information. And I got an email yesterday saying they need additional time to look at my claim, and they would let me know if they need additional information. It's all good because it was through the service they use. It was quick and easy. But because now I've had to go out on my own to find this, that's where I have a concern about, "Are they going to fight me on having to replace this system?" But it's straightforward.
Dear Louis, We aim to deliver quick and reliable service, and understand how stressful these type of situations can be. We’re pleased to hear the provider was able to get your appliances taken care of right away. We regret you experienced difficulties with our online system while requesting service on your pool heater. Unfortunately, we have limited availability in your area to service the request. The approval/reimbursement amount will be based on the terms and conditions of your policy. In this case, there is a cap limit of $1,000 for any work performed on the pool heater. This information can be found in the agreement which was provided to you upon enrollment of the plan. Should you need further assistance, you may send an email to erelations@cinchhs.com and a team member will follow up with you personally. Sincerely. Christine
Reviewed March 22, 2024
We had been with HMS forever and Cinch took them over. With our first claim, our experience was a little tough. We couldn't get a body to answer the phone, it was all automated, and we didn't get callbacks. But the last three times have been smooth. Our last claim was last month when we had a problem with the dryer. I put a request in the automated system and I made a mistake when I said the manufacturer of the dryer. But I got somebody involved with Cinch and he was very helpful and accommodating. He made a bunch of phone calls and sped things up for us. The tech from Anthony's Appliance Repair they sent did a really great job. He had the parts in the truck at the time and fixed the dryer. We didn't have to wait for him to order parts. They have my vote for being totally prepared, knowing what they needed, and taking care of it quickly. I'm happy with Cinch and I'd tell others to use them.
Merrill, Thank you for sharing your recent experience with Cinch Home Services. We appreciate your feedback and are pleased you are satisfied with our service. We appreciate your loyalty for 29 years and hope to service your home protection needs for many more years. - Christine
Reviewed March 21, 2024
We have Cinch Home Warranty and they are terrible with their customer service. I first was pleased that my 21 year old Maytag dryer broke and they did replace it with a comparable dryer. First of all, it takes forever to get a live person to talk to. Second, if you have to get an appliance replaced, they will not pay to have the broken one taken away (which I am upset about because what I am going to do with a broken dryer?). Then here is where the problems really started, the GE delivery company told me they couldn't deliver the dryer because it was not ordered with a power cord. I was then asked to call Cinch and see if they would approve the power cord ($28) because GE wouldn't let me purchase it myself. Nope, after 3 calls and talking to a case manager, I was told, sorry, we will not purchase a power cord. What am I going to do with a new dryer that has no power cord? This is unbelievable. We decided to go buy the cord ourselves so we could use the new dryer. I am so disappointed that we pay $60/month and a $100 deductible for them to send an appliance that still won't work. I am appreciative that they replaced the dryer, but they should have followed through by making sure that the whole replacement/install/dispose appliance is taken care of. Now we have to figure out how to get rid of the broken dryer. I will cancel this warranty and find someone else who is willing to take my money and follow through with the full appliance replacement and disposal correctly.
Dear Kim, we apologize for your recent experience with Cinch. Our Customer Care team will contact you shortly to make it right. Sincerely, Christine.
Reviewed March 21, 2024
We had a very good experience when we put in the claim with Cinch and the only problem was the company that came to repair. They didn’t let us know when they were coming. They didn't call us back and we always got an answering machine. I'm from the old school and I like to talk to people. I don't like to talk to a machine. But the techs were wonderful. The man was very personable and a great representative of the company. He did an excellent job, knew what he was doing and explained how he took things out and what he put back in. And I like that. Cinch is one of the best that I've ever come across.
service for each customer! Thanks for sharing. - Christine
Reviewed March 20, 2024
It's easy to file claims with Cinch Home Services online. The first experience I had was my entire heating system went out when it was nine degrees outside. It was late, but they sent somebody out. Somebody was out quickly and replaced the entire thing, and it only cost me $250. My washer and dryer both died. It was the washer that I did with them. Somebody came out and attempted to see if they could repair it. For whatever reason, it couldn't be repaired. So, they wrote and said, "We can either send you this dryer or give this much towards it." It was a simple process. I've recommended Cinch to people. I've always been satisfied.
Reviewed March 20, 2024
The cost of Cinch is very much in line with our budget plan. We've been with them for three years now and they’ve got a very customer-friendly access line when we submit a claim online. We've used it three times and it's been very easy access and great communication through the company. They always give us a prior notification through a text message and email. They identify who we are to expect and what credentials will be shown to us.
The techs have all been very good, top-notch professionals, too. They take their time and they explain things anyone can understand. They’re patient. If you have any questions, they're more than willing to review with you and show you exactly what needs to be taken care of regarding whatever the situation is. Any time there's any issue or confusion, they're very accessible. Our most recent claim was our dishwasher last month. It was done in a timely, professional manner, and very economical. We're very pleased. Cinch has been super to us.
Cinch Home Services Company Information
- Social media:
- Company Name:
- Cinch Home Services
- Company Type:
- Private
- Year Founded:
- 1978
- Address:
- 4700 Exchange Court, Suite 300
- City:
- Boca Raton
- State/Province:
- FL
- Postal Code:
- 33431
- Country:
- United States
- Website:
- www.cinchhomeservices.com