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This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.

Cinch Home Services

Jessica Cotzin Jessica Cotzin Last update:
Payout Caps
$10,000/term%
Service Fees
$100-$150
Contract Term
12 mo.

Overview

Cinch Home Warranty is a Florida-based company with over 40 years of home industry experience. They currently offer three home warranty plan options that range in price, depending on your region.

While the prices are a bit higher than average, Cinch Home Warranty offers flexible plans that allow you to choose your deductible, which can raise or lower your monthly payments.

Unlike their competitors, Cinch Home Warranty has a 180-day workmanship guarantee on their repairs and fast repair times.

After filing a repair request, you’ll receive service from their in-network technicians in two hours if it’s within normal business hours. It can take up 24 hours outside of normal business hours or on holidays.

Types of Home Warranty Services & Terms

Plan Types  Appliances, Built-in Systems, Complete Home
Coverage Territory  Not available in all states – for more info please see the website
Contractors  In-network – over 18,000 technicians
Home Inspection Required?  No
Contract Lengths Available 12 months
Benefit Limit Type  $1,500 per term for major systems; $2,000 per item for appliances; Maximum plan limit for all claims is $10,000 per term.
NHSCA Member Yes
BBB Rating A-
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Cinch Home Services Pros

  • $25 credit for filters for A/C or refrigerator
  • Homeowners Insurance Deductible Reimbursement (for Complete Home plan)
  • Free water sensor for leak detection
  • Fast repair times
  • Offers plan add-ons
  • 24/7 claims

Cinch Home Services Cons

  • Service fees (deductibles) higher than competitors
  • Plan prices can vary significantly depending on your location
  • Not available in all states

Plans and Pricing

Cinch Home Warranty offers three plans that range in price depending on your location as well as the deductible you choose, which is the amount you pay before they cover the rest. This deductible is also known as the service call fee.

You can select from three deductible options (which will result in a higher or lower monthly payment): $100, $125, and $150.

Appliances:

As its name suggests, this plan covers standard home appliances like washers and dryers, cooktops, and dishwashers. An Appliances plan starts at $27.99 a month.

Built-in Systems:

This plan only covers home systems like AC, ceiling fans, electrical systems, and more. A Built-in Systems plan starts at $44.99 a month.

Complete Home:

This plan covers everything in the Appliances and Built-in Systems plans and starts at $39.99.

In addition to these three plans, Cinch also allows you to select add-ons to further customize your plan, like a pool ($13.33 a month), spa ($13.33 a month), or a septic tank ($2.50 a month).

The Cinch Home Warranty website is transparent with the prices for each plan and you can get a quick quote online.

The three deductible options will remain the same, no matter where you live, but you can enter your zip code to see what each plan would cost and everything that it covers.

Service Fees

When submitting a repair request, you have to pay the deductible you choose when buying a plan ($100, $125, or $150), which is the same thing as the service call fee.

Their service fees are a bit higher than the industry average, which typically ranges from $75-$125.

Payout Caps

Like most home warranty plans, Cinch home warranties have payment caps.

While you can make unlimited service requests for covered items in your contract, Cinch Home Warranty will pay up to $1,500 per contract term for major systems. For appliances, they’ll pay up to $2,000 per item per contract.

The maximum plan limit for all claims is $10,000 per term.

The website conveniently includes a link to the terms and services right underneath each plan option so you can see what the full limitations are along with what’s covered.

A home inspection is not required to buy a plan.

Coverage

Appliances:

  • Clothes Dryers
  • Clothes Washers
  • Cooktops
  • Dishwashers
  • Food Centers (Built-in)
  • Freestanding Ice Makers
  • Microwaves (Built-in)
  • Ranges
  • Range Exhaust Hoods
  • Refrigerators
  • Trash Compactors (Built-in)
  • Wall Ovens
  • Air Conditioner or Water Filter Credit
  • Water Sensor

Built-in Systems:

  • Air Conditioning 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)
  • Air Conditioner or Water Filter Credit
  • Water Sensor

Complete Home:

  • Everything covered by Appliances Plan
  • Everything covered by Built-in Systems Plan
  • Homeowners Insurance Deductible Reimbursement

Add-ons:

  • Pool (Heater Included)
  • Spa (Heater Included)
  • Pool with Spa (Heater Included)
  • Septic Tank/Pumping
  • Well Pump

Exclusions

When you’re comparing plans on their website, items listed under each plan have an information icon next to them. If you click on this icon, you’ll be able to see what the payment cap is and what the exclusions are (but not all).

For example, if you click on the icon next to Clothes Dryer under the Appliances plan, it’ll say that all components and parts are covered up to $2,000 per term.

Or if you look at Water Heater under Built-in Systems, clicking the icon will reveal that it excludes auxiliary holding or storage tanks, fuel storage tank, or energy conservation unit(s).

Most items will have limitations and exclusions, so be sure to read the terms for the plan you’re interested in to find out exactly what is and isn’t covered, since not all of this information is displayed under each plan.

Claims & Repairs

It’s easy and straightforward to file a repair claim with Cinch Home Warranty. If a covered item needs repair, you can request service at any time, 24/7.

You’ll need to fill out a short online form that lets them know what plan you have, your zip code, and what’s broken. From there, you can pick an appointment and pay the service fee upfront.

Cinch Home Warranty will connect you with a technician in their network within 2 hours if it’s during normal business hours, and within 24 hours outside of business hours.

If you need an emergency repair, they’ll do their best to expedite the request, but it’s not guaranteed.

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Customer Service

You can get in touch with a Cinch representative by calling the phone number listed at the top of their website.

You can also visit their contact page to send a message through their online contact form. Their customer service team is available 24/7.

Compared to other home warranty companies, Cinch has a generally positive reputation. They’re members of the NHSCA and have an A- from the BBB.

They have a mix of positive and negative reviews online, but most are related to not getting coverage on repairs, which can likely be avoided by reading the full terms of the agreement.

Cinch Home Warranty has replied to most of the negative reviews on the BBB website, which is a good indicator that they care about their customers and their reputation.

Final Thoughts

While Cinch Home Warranty has higher service call fees than the industry standard, you can easily check to see what the monthly rate is on all of their plans to compare prices.

All you need to submit is your zip code and you’ll be able to see what items are included in each plan and how much it costs for different add-ons.

Like every home warranty company, there are limitations on what’s covered and exclusions, so it’s important to review the terms for the plan you’re interested in so you aren’t surprised later.

Address

4700 Exchange Ct, Suite 300

Boca Raton, FL 33431

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Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
Jessica Cotzin Jessica Cotzin
Jessica Cotzin is a writer and the Lendstart authority on small businesses and personal loans. She has been writing about personal finance and the loans industry for a number of years, and holds a bachelor’s degree in journalism from Florida Atlantic University.
This review is based on the writer's personal opinion.