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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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Q
qunofhtz
3/29/2022
We purchased a home in September and Cinch was the warranty company used by the seller’s realtor. We didn’t anticipate any problems but our hot water tank went out so we called someone in an emergency to get it replaced. When we called Cinch to get reimbursement we were told that this was un-authorized and therefore would not be reimbursed. Now that I have read the reviews I understand why. They do not want to reimburse anything, just try to fix them long enough for the warranty to expire. Very poor customer service! I would not recommend this company at all. Save your money and go with someone else!


plekiu1968
2/27/2022
You acquired my account from HWS without notifying me about my Home Warranty Service. I made a simple claim for service and paid the service fee for 125$ to your claim service on 2/19/2022 an expected you would send a service Tech person within a reasonable time. You told me to contact the service and I did 3 times without no response. I contacted Cinch and they scheduled SEARS to come out 0n 3/3/2022. Now I see online they changed that 03/15/2022. Twenty 23 days to correct basically a small problem. I have feeling that I am out 125$ will never see a service Tech at this point. The people in your organization are rude in considerate and no one the United will contact you to help resolve... Read More


klmcosznz222
2/23/2022
On Feb 7th our furnace quits working. I go online to file a claim, and am told from the online process no is available to do the repair and that I need to call in the claim. I then call Cinch that evening to start a claim, I am on hold for 2 hr 9m. I finally give up after no one answers. I then go online to file a claim again and the online process again tells me there is no one available to do a repair and that I need to call in the claim. So I call first thing the next day on Feb 8th, only to get that the service is down due to maintenance. Being as we are up north it is quite cold this time of year. I finally called around locally to get someone to diagnose our furnace problem to... Read More


bakkumkevin6
2/23/2022
Couldn't send out a service provider so told me to get my own qnd send send them invoice. Had me pay their $75.00 service fee up front and then had to pay for my service provider . They said the appliance was not covered even though I sent pictures of the covered appliance. Their claims rep speak very poor English and a lot of times the phone connection is so bad you need to hang up and try again. Their service and response time is so slow as to be worthless. I am canceling and would advise you to do the same before they rip you off for more with their fraudulent service plans.


dsbuchanan60
1/25/2022
UPDATE: It is now January 25 2 weeks since my furnace stopped. Still waiting for new part to come since they ordered the wrong part. Called today was told part would be here on Feb. 9. What happened to my case being expedited? I told them that was unacceptable. The weather in Baltimore is cold. I was given three options. Number 1 wait until part comes in Feb. Number 2 call service provider and see if he can order the part and then get it authorized or Number 3 I can call someone else to come out and they will send a check for parts and labor up to certain amount would not tell me how much that would be. That is not what I pay for and what about my $125 deductible that I have already paid.... Read More


dsbuchanan60
1/22/2022
I live in Baltimore MD my furnace went out on 1/11/22 called CInch connected me with contractor. Tech came out 1/12/22 said I needed three parts but furnace was so old probably wouldn't find parts I told him CInch would find the parts. Said would suggest a new furnace and gave me an estimate of duct work and etc not covered under warranty ($1499), temps have been in highs of thirty and low teens. Waited until Friday 1/14/22 called tech said he was waiting for parts, called Cinch on Saturday was told he didn't order part until Friday. Called Tech on Tuesday 1/18 was told Feb 22 for part called Cinch escalated my service because of weather. Tech received part on Wed. 1/19 came out Thurs.... Read More


dsbuchanan60
1/22/2022
I live in Baltimore MD my furnace went out on 1/11/22 called CInch connected me with contractor. Tech came out 1/12/22 said I needed three parts but furnace was so old probably wouldn't find parts I told him CInch would find the parts. Said would suggest a new furnace and gave me an estimate of duct work and etc not covered under warranty ($1499), temps have been in highs of thirty and low teens. Waited until Friday 1/14/22 called tech said he was waiting for parts, called Cinch on Saturday was told he didn't order part until Friday. Called Tech on Tuesday 1/18 was told Feb 22 for part called Cinch escalated my service because of weather. Tech received part on Wed. 1/19 came out Thurs.... Read More


dsbuchanan60
1/22/2022
I live in Baltimore MD my furnace went out on 1/11/22 called CInch connected me with contractor. Tech came out 1/12/22 said I needed three parts but furnace was so old probably wouldn't find parts I told him CInch would find the parts. Said would suggest a new furnace and gave me an estimate of duct work and etc not covered under warranty ($1499), temps have been in highs of thirty and low teens. Waited until Friday 1/14/22 called tech said he was waiting for parts, called Cinch on Saturday was told he didn't order part until Friday. Called Tech on Tuesday 1/18 was told Feb 22 for part called Cinch escalated my service because of weather. Tech received part on Wed. 1/19 came out Thurs.... Read More


basm66.bs
1/16/2022
The heat went out at my home in Fayetteville, NC. I placed a service order on 1/13/2022 and called the service provider they assigned my order to. I notified the service provider on 1/13/2022 that there is a special needs child in the home and they dispatched a technician to my home on 1/14/2022. The transformer and blower motor need to be replaced. I called Clinch 3 times yesterday (1/15/2022) and still no results. Today (1/16/2022) there is still no heat in my home with 3 children and a pending snowstorm and low temperatures. I have not received a call from Clinch yet. They have not updated my account online to reflect the status of my service request. There have been on phone... Read More


basm66.bs
1/16/2022
The heat went out at my home in Fayetteville, NC. I placed a service order on 1/13/2022 and called the service provider they assigned my order to. I notified the service provider on 1/13/2022 that there is a special needs child in the home and they dispatched a technician to my home on 1/14/2022. The transformer and blower motor need to be replaced. I called Clinch 3 times yesterday (1/15/2022) and still no results. Today (1/16/2022) there is still no heat in my home with 3 children and a pending snowstorm and low temperatures. I have not received a call from Clinch yet. They have not updated my account online to reflect the status of my service request. There have been on phone... Read More



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  • Appliance-only, systems-only, or combination plans available
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