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Cinch Home Services Home Warranties Review


ConsumersAdvocate.org Rating: 3.8 / 5 (Very good)
66 Customer Comments & Reviews - see all comments
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Cinch Home Services is a Florida-based home warranty company that's been in business since 1978. It operates in 48 states and protects nearly 1 million homes, making it the second largest provider of home protection plans in the US.

How is Cinch Home Services rated?

Breakdown

4.0/5
Transparency
4.0/5
Claims Processing
3.5/5
Coverage Options
3.5/5
Additional Benefits
4.0/5
Customer Experience

Overall Rating: 3.8 / 5 (Very good)

Cinch Home Services has been around for many years and offers some of the most comprehensive home warranties in the industry. It's a little more difficult to compare its costs to competitors because service fees and plans can vary by region, but you can get a quote online to see what plans cost in your local area. Cinch home warranties offer one unique feature that sets the company apart from many competitors: a Homeowners Insurance Deductible Reimbursement. The company will reimburse you for up to $500 if you make a homeowners insurance claim for a covered item. That can ease the sting of having to pay a deductible on your claim. There are limitations attached to this feature and it is only included with Cinch's Complete plan, but it still represents a savings opportunity. As with any home warranty provider, make sure you read the sample contract first and ask the company about any questions you have so you don't have any unexpected surprises when you go to file a claim. Cinch’s contracts are easy to read and clearly outline what’s covered and what’s not.

Coverage

Key Facts

Plan Types
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Benefit Limit Type
Per Term
Term Benefit Limit
$10,000
Typical Appliance Benefit Limit
$2,000

Coverage Options - 3.5 / 5

Cinch Home Services offers a choice of three aptly named plans: the Appliances Plan, the Built-in Systems Plan, and the Complete Plan. Each plan covers what you'd expect them to cover based on the name and coverage is in keeping with most other home warranties. The company also offers additional coverage for such home features as pools, spas, septic tanks, and well pumps at an additional cost. You can craft a customized plan to suit your need by combining their standard plans' coverage with these options.

Specialty Items and Additional Coverage

The maximum covered amount for swimming pool and spa equipment is $1,500 per term. Cinch Home Services will pay up to $1,500 per term for access, diagnosis and repair, or to replace equipment. Septic system pumping coverage is available for $500 per term. Septic system replacement coverage is available for $1,000 per term.

What does Cinch Home Services cover?

Covered Built-In Systems

  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Sump Pump
  • Air Conditioning (Including Ductwork)
  • Heating System (Including Ductwork)
  • Electrical System
  • Plumbing System
  • Attic Fans
  • Garage Door Openers
  • Garbage Disposals
  • Toilets
  • Built-in Whirlpool/Jetted Tub
  • Furnace

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Range Exhaust Hoods
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Freestanding Ice Makers
  • Built-In Trash Compactors
  • Built-in Food Centers

Exclusions

For a full list of Cinch Home Services exclusions, check out this page.

Specialty Items

  • Pools and Spas (Heater Included)
  • Septic Tank/Pumping
  • Well Pump
  • Premier Upgrade Package (Helps cover the cost (up to $1,000 per claim) when there are charges that are not normally covered under a home protection plan such as permits and code upgrades. Cap limits apply. See terms and conditions for more details).

Contract & Price

Contract Details

Annual Premium
Starting at $335
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 3.5 / 5

The price you'll pay for a Cinch home warranty depends on which plan you choose, where you live, and whether you pay for any optional coverages. It's a good idea to read the sample contract before you buy so you understand what is and isn't covered. You can then get a quote online to see whether Cinch Home Services is a good fit for you.

Sample Contract

Cinch Home Services provides a sample contract for potential customers on its website: Cinch Home Services Sample Contract

Claims & Service

Claims

Service Fee
$100, $125, or $150
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
180 days

Claims Processing - 4 / 5

Cinch Home Services' deductible ranges from $100 to $150 per service call, which is a little higher than what some of its competitors charge. It partners with a nationwide network of licensed contractors, all of whom have passed a background check and maintain adequate liability insurance to protect you and your home in the event of any issues. Cinch Home Services offers online claim and account management, and it maintains a 24/7 claims support hotline that you can call to initiate a claim.

Cinch Home Services Reputation

Company Details

Year Founded
1978
NHSCA Membership
Number of Employees
900
TrustPilot Rating
7.2 out of 5
BBB Rating
B
Date Collected
2021-03-22

Reputation - 4 / 5

Cinch Home Services is a National Home Services Contract Association (NHSCA) member and it earns a 3.8 out of 5 rating with TrustPilot. A total of 2,821 complaints have been filed about Cinch Home Services with the Better Business Bureau but this is an industry-standard and is not an unusually high number. Many customers file complaints because they've misunderstood their policy provisions. Always read the sample contract first so you understand exactly what you are buying. Many negative reviews posted on the BBB website focus on the service and service speed their local contractors provide.

Contact & Additional Information

Homepage URL
Company Phone
(800) 778-8000
Headquarters Address
4700 Exchange Ct., Ste. 300, Boca Raton, FL, 33431
Year Founded
1978

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66 Customer Comments & Reviews

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Kerry G
3/18/2024
We have been trying to get our dishwasher fixed for over two weeks. Continued delay by "sub" contractors and getting approval to repair has really been a nightmare. Getting anyone to care, has been a nightmare. Some days even finding that we had filed for a repair is nearly impossible. Yikes, customer service stinks. Service really stinks.


justinsconroy
11/8/2023
After 5 years as a customer, they issued a letter telling me they're cancelling my account and not renew. Just got off the phone with their customer service, and no explanation given as to why. They have no answers just said they're not renewing. Don't use these clowns.


N
Nick
10/19/2023
So far, they’ve been terrible. We had a heat pump go out and have been struggling to get it fixed. First, they tried to double charge me on my deductible (plus a $15 inflation fee). They said the charge didn’t go through, but I have an email from them saying it did. My bank also said there were no problems with the transaction. So I finally call back and have to pay the $200 deductible again, and get put on the emergency list to get a contractor. I call the next day for an update, and am told they don’t have a vendor in my area who can do it. They try calling some others, but no one in their network is willing. I now have to wait two days for them to continue to attempt to find... Read More


S
Sandra F
9/8/2023
I was just given the names for two HVAC service providers in cities quite distant from me since Cinch has no one to provide service in my metropolitan area. Both providers said no thanks, and one told me that Cinch doesn't pay its providers, owes him "a bunch of money," and he won't do anything for them. This has got to be the worst service I've ever encountered.


L
L c
8/14/2023
Worst company ever. Been with them 13 years and our air conditioner has been down for a month in Nevada 100+ degree heat. They won’t help us get our ac repaired!!! Do not use this company! I’d give zero stars if it was an option!!


kim.rochleder
7/17/2023
ZERO STAR! DO NOT PURCHASE A CINCH WHOLE HOME WARRANTY. I have had this warranty since 2019 and hadn't had any issues until this year. It took over a month to repair my dishwasher. I have been waiting for my washing machine to be repaired since May 27, 2023. I am going on 7 weeks without a washing machine, I have taken 4 days off of work to wait for a 9-hour period for the appointments to not have my repair completed. They have sent the wrong parts or no parts. I should have received a new appliance on July 3, 2023. They had two weeks to find the part to repair my Samsung washing machine. I called on July 7, 2023, since I had not heard from them about the part being ordered. The part... Read More


Debbie J
6/22/2023
ZERO-ONE STAR: I am on hold for my 18th telephone call with Cinch Home Services to have a service technician or contractor service my attic fan, which is a covered item and I have in good faith paid the $115 service fee. EACH and EVERY time I am given a name and telephone number for a company that is no longer in business. When I call back to state that the contractor's telephone number is out of service, I am told that "Dispatch" will contact me with a different contractor, but each time I am given the name and telephone number for SAME out of business contractor. How is it that I can easily look up the status of a business, but Cinch cannot; when I call back and demand that the customer... Read More


Patricia C
5/24/2023
I’d give less than 1 star if I could. I currently have Cinch by default. Originally signed up with Sears 18 years ago. The customer service is far beyond sub-par, they are hard to understand and they are unprofessional and inept. They work with 3rd party technicians that are also not qualified technicians. 5 technicians out and still not working. It is the WORST customer service I have encountered. Contacting an attorney. It’s a matter of principle.


mevans52315
5/4/2023
Horrible customer service!! I asked to speak with a supervisor three times. I have been calling since Tuesday. Spoke with three different reps and NO ONE will get me a supervisor/manager!!! UNACCEPTABLE when I am paying my hard earn money for services. Not to mention you can't understand the call takers. 0 STARS


J
Jim w
4/7/2023
I’ve filed two claims for repairs. Both times repairs couldn’t be done for 1 week. This does not help if your air conditioner or freezer goes out. Y experience pay premium , pay deductible 125, now a surcharge of15. They you are forwarded to a third party that will try to contact you to set up appointment . Between the time spent talking to cinch, then the 3 party, they who ever they contact a waste of time and money



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