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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.
 
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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
https://www.cinchhomeservices.com/
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

Loading Reviews ...
campwinadu1958
4/5/2021
Do not use this company. We were having problems with our furnace during the winter and they just told us that it would take a while before they would get parts. Also when you try to call their 800 number to get help each person is dumber than the next person. I have no idea how that company works except to say they’re quick to take your money. They are good at that. I wish I could give them less than one star but this site will not allow you to

J
Jeff
3/16/2021
Worst company ever. My parents have been without a working furnace for 6 weeks now as there are no service providers in the area they live so they need to get their own. Oddly all the paperwork keeps getting lost and the process needs to start over as the 32 year old furnace needs to be replaced not repaired no local company will repair at this point it’s not safe. Dad has major health issues and is 84 mom is 70 and they do this to senior citizens it’s disgraceful and unbelievable that these people can live with themselves knowing that they leave elderly hanging like this. Also northern Illinois currently heating the house with electric heaters it’s ridiculous. They keep saying it’s up to... Read More

M
Mona
3/15/2021
This company is terrible! Do not use them. We live in Washington, DC and when we called for service they sent a contractor not licensed. We provided verification from the city and Cinch never sent any licensed contractor to look at our hvac. Cinch is the worst home warranty company I have ever dealt with. Home owner BEWARE!

jeri.pinson515
2/24/2021
I have had their service since purchasing my home in 2012 and have used them several times. Usually they were pretty good about getting someone to come and check out my issue. Last year (2020) we had numerous problems. Refrigerator, central air and washing machine. I had to have someone come out 3 times for the refrigerator and they would do something and it would last a few weeks. Finally, I had to go ahead and purchase a new one. When the air went out in July with temps in the 90-100's, they sent 2 different people out. The 2nd one was able to get it working although I had to pay for freon which wasn't a big issue because the contract did state they won't cover freon. Well, I... Read More

C
Cathy H
2/16/2021
DO NOT AND I SAY DO NOT USE CINCH - I HAVE A WATER SOFTENER THAT WENT OUT. I CALLED THEM AND PAID MY $100.00 DEDUCTIBLE PER MY PLAN. I WAS CONTACTED ABOUT 1 WEEK LATER STATING THERE WAS NOT A PROVIDER IN MY AREA THEY COULD SEND. I HAD TO CONTACT MY OWN AND PAY FOR ALL THE REPAIRS OUT OF POCKET. MY WATER SOFTENER NEEDED TO BE REPLACED. THE REASON I PAY FOR THE HOME WARRANTY IS TO NOT HAVE TO LOOK FOR A SERVICE PROFESSIONAL AND NOT HAVE TO PAY OUT OF POCKET. IT WAS $2500.00. I DO NOT HAVE THAT KIND OF MONEY. I AM THINKING OF SEEING IF I CAN TAKE LEGAL ACTION AGAINST THEM - SO BEWARE OF THIS COMPANY!!!!!!!!!!!!!!!!! ALSO NO ONE WILL CALL ME THEY JUST WANT TO EMAIL SO THEY WILL NOT... Read More

Chris M
1/28/2021
Thee absolute worst in customer service....quick to take your money ... I was guaranteed a phone call back when I filed my claim on monday.. here it is Thursday still no confirmation or fixed water heater... I have called 10 times and all I got was run around nonsense and redirected to different departments... I'm now going to cancel my contract... I cannot believe how they just disregarded my situation .... definitely do not use this service as it is not for the consumer

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  • Appliance-only, systems-only, or combination plans available
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  • File claims online or by phone
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