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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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Sylvia S
9/21/2022
While I understand that I must know what I signed up for, I do not understand how the representative failed to remind me that one of the services wasn't covered. Had I known at the time of the call, I wouldn't have proceeded with the claim. It was the plumber who told me about the 1) incomplete work order and 2) part of my request wasn't covered. Since 9/16, I have been going back and forth to get the money refunded. 3 hours and 9 people later, everything I was told was incorrect ending with a call to Sears saying they couldn't help me with the repair. The company was real quick to collect the money fee, though. Today I was denied speaking to a supervisor. Based on this last week, I... Read More


H
Howard
9/6/2022
Worst company on the planet. Our water heater went out on September 3. We called and filed a claim. We were told that we would receive an email with instructions. We received the email however it merely stated the claim had been filed. At that point they deducted the deductible from our account. It is now September 6 and still no action from this company. After repeated calls and receiving different answers from each agent I’m now looking at a 4th day taking cold showers. The only thing they appear to be efficient at is taking the money from your account. This without a doubt the most poorly run business I have had the displeasure of dealing with. Another call was just placed and the... Read More


ashleychade
8/25/2022
Worst company!! Horrible customer service! Not responsive! Doesn't approve claims, and when they are denied they don't give you explanation they just ignore you. Most importantly the customer service reps are very unprofessional . If I could rate them 0 stars I would. You pay all this money and they are a joke! Complete scam artists. Highly recommend any homeowner or business owner not to invest into this "company".


P
Paul
7/23/2022
Terrible company! Stay far away from Cinch Home Services. They deny claims and do not answer calls or emails. All claims are funneled to overseas call centers that have no idea what they are talking about. Claims will need to be settle in court! Save yourself the hassle.


C
cavanaughfam
7/1/2022
Do not at all costs use this company. We have a broken air conditioner- weather is humid over 100 degrees for 2 weeks. We call - have had this warranty for years and barely use. They assign us a company we never heard of. We call and they can't get out for a week. We call back and ask for different provider. They say none of their providers can come before that. Fine we wait. Their provider comes and says it leaking coolant and way to low, shuts on and off so believes there is a mechanical issue, and the company (yes that the wonderful home warranty sent out last year) put in wrong collant for system and contaminated the lines as well (2we paid for that wrong coolant by the way because... Read More


gdzanol
6/1/2022
I would give zero stars if possible. Called for service on one appliance 9 months into the year of paying $49/month. Service rep told me one thing, requested review for something else which was denied. No opportunity to escalate or request review of decisions. Extremely poor communication and Cinch takes every opportunity to say "no" even when the contract verbage means that it should be covered. Terrible communication, no recourse or ability to speak to management. Will never do business with them again


volocose
5/24/2022
This is the absolute worst company I have ever worked with. I had made a two-part request with a plumber. He partially did one job and then complained to me about how poorly he was paid by CINCH and how he wouldn't come back to finish the jobs (one job was not finished - the other job was never even begun). I spent hours on the phone on hold and then trying to make myself understood by the CINCH "customer care" team. Sometimes my call was dropped and they never called back. The last CINCH employee promised to escalate my claims but they ended up just closing my claims. I have cancelled my contract - which cost me $100. Very expensive but considering I don't have to deal with this... Read More


dvdbjrn
5/24/2022
DO NOT BUY NOTHING FROM THIS COMPANY THEY A FRAUD!!! THE COMPANY WHEN THEY HAVE BAD REVIEWS, THEY CHANGE THE NAME TO KEEP BEEN LYING TO HOMEOWNERS.


charliecoulter29
5/21/2022
If there was a negative star rating, this company would be at the very bottom, of the bottom. I have been a member of this company since 2017, when it was Long and Foster. They transferred over to Cinch, and I kept going with this company. I had my hot water heater flood my basement, and I tried to use them to get service. After calling them, the automated system sent me a text and told me to fill out an online request. After doing so, I was told there were no service providers in the area, and to call the number I just called. After 25 minutes of navigating their ridiculous automated system to get a real person, I scheduled myself for a call back. 2 hours later, I get a call back, and... Read More


F
Fred M
4/7/2022
This company is a TOTAL FRAUD!!! I've been paying $50 per month since Feb. 2016. When operated by Sears, everything worked according to plan. Now that it is managed by Cinch, I have had no functioning refrigerator since Dec. 27, 2021 (3 months ago) and they refuse to repair it. I paid $75 service charge up front. Service person came and diagnosed problem as compressor. Cinch says that it has to be handled by the manufacturer. Why did I buy this plan, if I had to go back to the manufacturer!! I want my monthly payments reimbursed!! My rating is 1 star. I'd make it less than that, if the website would let me.



Top Rated
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  • Appliance-only, systems-only, or combination plans available
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  • No home inspection required
  • File claims online or by phone