Rating: 7.6 / 10 (Very good)
73 Customer 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 Do We Rate Cinch Home Services?

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

Our 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

Top Rated
Our Partner

First 2 Months Free on all Plans! (Exclusions apply)
  • Coverage against unknown pre-existing conditions
  • Industry-leading 180-day workmanship guarantee
  • Homeowners Insurance $500 Deductible Reimbursement (Complete Home Plan)
  • Coverage against rust corrosion
  • $50 Green Reward & A/C or water filter credit with every plan

Latest Cinch Home Services Reviews

Kim S

2/20/2025
How can Cinch possibly have a 3.8/5 rating?!?! They must have paid someone off. We have had a working heat pump for approx 2-3 weeks since Oct, 2024. They have sent 2 different technicians to our house a total of 6 times. The system would run for a few days and either blow a fuse or run out of Freon. Freon was added on Nov 29th and had totally leaked out by Dec 24th. On the 6th visit from one of the technicians, he "realized" that we had a dual zone hvac system (both techs knew this) and said they were not qualified to work on our unit. Cinch told us to find our own tech. That person refused to work on the system and recommended it be replaced. Cinch is dicking around with this,... Read More


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Steve P

12/9/2024
Two seniors without heat in 20-30 degree temps for 8 weeks. We’ve been calling desperately for help with a fully covered heating until for 2 months now. We have to use two electric space heaters to keep kitchen table warm enough to eat. Wife had brain surgery and already disabled, now we are showing signs of long term cold exposure. We’ve been long term customers, we cannot believe in 2024 this could happen. We always hear a diff sub is coming, then the sub tells us they can’t fix it, then a diff one says he can’t get Cinch approval, etc. Meanwhile two seniors eat in sweaters, robes and electric space heaters. I wouldn’t believe it if it wasn’t us. Contract name is Kelly Keller,... Read More


1941vt

11/13/2024
BUYER BEWARE! Purchase Policy at own risk. Customer Service NON-EXISTENT. Representatives, when you are finally able to reach them after several disconnections are non-English Speakers, do not listen and spout off memorized company line repetitively, waste time apologizing repetitively, will not provide their names, refuse to pass you to supervisors, and when they do, you will find supervisor doesn't speak English either, if you are not disconnected again. It was a three day four plus hour investment of time on the phone simply trying to report the issue for attention and paying a $150 deductible before they dispatched a price gauging plumbing service to come out who was charging me,... Read More


andreatuckerhomes

9/19/2024
The last six months dealing with this company has been awful. If I could give them a 0 I would. They are a home warranty company that gets my monthly payment every month and my deductible every time I call in an appliance. During the last six months, I have had two appliances that needed fixing and they both have taken approximately two months to resolve. This company contracts service jobs out to other repair companies. The problem is, they don't have follow up and they send unqualified people to your house to fix problems which add to the wait time. It has been almost two months, and I have had three repairmen come and still I don't have a working refrigerator and they keep telling me... Read More


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sunny

8/15/2024
have a fridge repair job open since march 2024...more than 12 techs have come...still not fixed. most incompetent customer service...just keep "kicking the can around".., no body wants to solve the problem. do not use them!!!


tanway111

6/30/2024
Trying to get AC fixed. This has been 10 days in sweltering heat and still no end in sight. Communication and resolve has been very poor at best. I just do not understand what the hold up is. Waiting patiently is becoming very difficult.


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Kit

6/22/2024
I have never had a home warranty and saw the sales person at Sam's Club. It sounds good; however I put in a claim for my A/C on Tuesday, June 18,2024, and I am still hot. They said my service call was confirmed for today; however, nobody has come. It's Saturday June 22, and they say they have rescheduled for Monday or Tuesday!! It's 95 degrees in our house!! This is Texas and we really need the a/c. We are seniors and the heat really affects us. I begged and whined!! No show, no care!!


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.


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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


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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.


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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


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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


Bob C

3/28/2023
Refrigerator not working. 2 weeks to send a repairman to diagnose the problem, 4 more weeks to get them to send someone to install new parts and the refrigerator still won't cool. Call takers are hard to understand and was given a phone number of someone local who may be able to fix it. What a scam. Who can live without a refrigerator for 6 weeks and there is still no fix insight.


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Debbie N

3/10/2023
This company does not take care of their customers. They are, however, very efficient at collecting their monthly payment. But there is no follow thru with customer service. I have been getting the run the run around since December 9 concerning my range. The service provider cannot find the parts, and they notified the warranty company on Jan 3 the parts could not be found. As of yet, the warranty people have not offered a solution i.e., a replacement or ......They instead point the finger back at the service provider and the provider points the finger back at them. I want the issue resolved. They have my cell number and email address but fail to contact me with any updates. They... Read More


doggs2552

3/2/2023
The worst customer service EVER!! Iwas unable to get thru to a human and now I cancelled my plan. I'll finda company that cares about the people who pay for their services.


mita.paul

1/25/2023
Terrible customer service and response. Had a very hard time, PLEASE DO NOT USE THEM!!!


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MadInMaryland

12/29/2022
UNETHICAL BUSINESS PRACTICES. Cinch is delaying response to my service request for a broken furnace. Maryland has experienced weeks of sub-zero temperature this December, and I am without a furnace. The HVAC company has stated that the furnace must be replaced, but Cinch has become unresponsive. The customer service by phone is horrible. The rep. told me that I cannot speak to a supervisor because she has no supervisor. The rep. I have been emailing has stopped responding. The online portal shows my services request as close. How can it be closed when I have no working furnace? AVOID CINCH!!


tomrepoll

12/19/2022
DO NOT USE!!! Terrible customer service and terrible technicians to perform work. My AC went out on this summer. Cinch sent a tech out on 07/03/2022 to repair a control panel. The repair was never completed by Harpers Heating and Air nor would they return my phone calls or text messages. Nor would they answer any calls from Cinch. After weeks of waiting and no response from Harpers, Cinch sent another tech company (EZ Heating and Air) out in September and they recommended a new unit. Cinch declined to to pay for this new unit. After Cinch declined to pay for a new unit as requested by EZ repair they sent out Sears Home Services in October. They once again charged me another... Read More


halilewya

12/13/2022
If this is the standard for home warranties now, I would never purchase one again. I have a not very old dishwasher which is broken--apparently a common problem with this make of dishwasher. I've been waiting for almost two months for Cinch to make sure it's fixed or replaced. They work with a middle-company and a local repair company which is poorly rated. Absolutely no accountability or commitment to make sure the product is fixed or replace, which is the only thing I've been paying for. This is my first claim since I purchased the plan over a year ago and am flabbergasted that I have paid a lot for something which appears to be basically a bogus product.


Kim B

10/11/2022
This is the worst warrantee company. Where do I start. They send really sketchy service providers and in all cases I’ve never had anything fox d. They either pretend they can’t or just show up so they get paid and collect the deductible from you. I’ve spent more money using therm because they can never fix anything and then I have to spend money to fix it myself. You will always stay on hold. You will never get someone that you understand. They all have heavy foreign accents. They have horrible customer service. You will have to call them everyday several times a day to ensure your claims get processed. Their platforms and systems never works so if you try to avoid hold times and go... Read More