Cinch Home Services: Plans, Pricing And Reviews

Homeownership is expensive. And a home warranty is one of the best ways to protect yourself from the unexpected cost of repairing and replacing the appliances and systems in your home. Cinch Home Services has been providing home warranties for more than 40 years.

Wondering whether Cinch Homes Services is right for you? Keep reading to learn more about what the company has to offer, what we like about it, and what other customers have to say.

What Is Cinch Home Services?

Cinch Home Services is a home warranty company that provides a variety of different plans to cover the appliances and systems in your home. Cinch was founded more than 40 years ago under the name Cross Country Home Services. It went through a rebranding in 2019, not only changing its name to Cinch Home Services but also improving its services and vision as a company.

So what exactly is a home warranty? A home warranty is a protection plan you can purchase to help cover the cost of repairing or replacing the appliances and systems in your home. Home warranties commonly cover electrical, plumbing and heating and cooling systems, as well as major home appliances like your refrigerator, dishwasher, clothes washer and dryer and more.

These plans are often customizable, meaning you can pick and choose which parts of your home you want coverage for. Plans typically have a cap on coverage, meaning they’ll cover up to a certain amount for repairs and replacement. They may also require a deductible when you file a claim.

Home warranties are popular for new home buyers who are acquiring systems and appliances they may have to repair or replace unexpectedly. While home warranties are often a good purchase for new homeowners who don’t know the history of their home’s systems and appliances, many homeowners choose to buy them no matter how long they’ve owned their home as a way of protecting themselves from high unexpected costs.

Plans From Cinch Home Warranty

Cinch Home Services offers three different warranty plans for its customers to choose from. Each plan covers a different set of home systems so each customer can choose the one that’s the best fit.

While Cinch’s three plans are different, they have a few key things in common. First, each plan comes with a 180-day workmanship guarantee. If they don’t solve the problem, they’ll come back again and continue working on it for free. Additionally, all three plans include protection for unknown preexisting conditions. As a result, you won’t be penalized for issues you didn’t know about.

Next, all three plans include rust and corrosion coverage, and they won’t deny your service request because of them. Finally, all Cinch customers, regardless of the plan they choose, will get a discount on new brand-name appliances.

Here’s a breakdown of what each of Cinch’s three plans covers:

Appliances Plan

The Appliances Plan is the most affordable of Cinch’s plans. With a starting price of $27.99, it covers nearly all of the appliances in your home. Specifically, it covers all kitchen appliances, as well as the clothes washer and dryer. It also includes a water sensor and offers an air conditioning or water filter credit.

Built-In Systems Plan

The Built-In Systems Plan, with a starting price of $32.99, covers most of the built-in systems in your home. Covered parts include your air conditioning, fans, electrical system, plumbing and other similar systems. Like the Appliances Plan, it also includes a water sensor and offers an air conditioning or water filter credit.

Complete Home Plan

The Complete Home Plan is the most expensive of Cinch’s warranty plans and, according to the company’s website, the one with the best value. This plan combines the coverage of both the Appliances Plan and Built-In Systems Plan and covers nearly everything in your home. The Complete Home Plan also includes a homeowners insurance deductible reimbursement of up to $500, with a limit of one claim per year.

Cinch On-Demand

In a newer offering, Cinch now offers on-demand repair services in select areas. Using Cinch On-Demand, individuals without a Cinch protection plan can schedule appliance repair with a local service professional, starting at just $79. This Cinch service hasn’t made it to all service areas yet, but it’s regularly expanding.

What Cinch Home Services Covers (And What They Don’t)

According to Cinch Home Services’ website, its home warranty plans cover mechanical breakdowns from routine use — aka normal wear and tear. Plans cover mechanical and non-mechanical parts like motors, switches, knobs, and handles.

Cinch’s home warranty plans don’t cover nonmechanical issues. For example, your home warranty won’t cover damage or wear and tear on your roof, walls, doors or windows. The company also doesn’t provide protection for appliances and systems that have been installed or repaired improperly.

Reviews For Cinch Home Services

Cinch Home Services has been around for more than four decades, meaning it has served many customers. A quick search online can uncover thousands of reviews. Below is a sampling of reviews across some of the top review websites online.

Better Business Bureau

Cinch Home Services is a Better Business Bureau-accredited business with a B rating. On the BBB website, the company has more than 1,000 reviews, with an average rating of 1.23 / 5. The company has had 1,576 complaints closed in the past year, and 3,184 closed in the past 3 years. Some reviews mention a lack of attentive customer service, although others extol the company’s ease of use.

Trustpilot

Cinch Homes Services has great reviews on Trustpilot, where the company’s average rating is 3.8 / 5. The company has more than 1,700 reviews on Trustpilot, and 57% of customers gave Cinch a rating of Excellent.

Consumer Affairs

Consumer Affairs is the platform where Cinch Home Services has the best reviews. Here, the company has an average rating of 4 / 5, with the majority of customers leaving a 5-star review. Some clients mention that techs were knowledgeable and prompt with their repairs.

What We Like About Cinch Home Warranty

Cinch Home Services has been in business for more than four decades, and for good reasons. The company has plenty of great characteristics to offer its customers. Here are a few of our favorites:

• Competitive pricing: When you compare Cinch’s prices with their competitors, you’ll find they have some of the best rates on the market.

• 180-day guarantee: There are plenty of companies, if they don’t fix something right the first time, will charge you for them to come back and do it right. Cinch has a 180-day guarantee on their work, so you can ensure you don’t pay twice for the same job.

• Availability: Cinch’s home warranties are widely available in the United States — you can sign up in 48 states and Washington, D.C.

• Flexibility: Cinch has three different plans to choose from, meaning each customer can get exactly the coverage they need.

The Bottom Line

Cinch Home Services is a popular home warranty company with three different plans for companies to choose from. The company provides protection for nearly all of the appliances in systems in your home. And even if you aren’t a Cinch home warranty customer, you can still take advantage of the company’s services through Cinch On-Demand.

Before signing up for a home warranty through Cinch or any other company, be sure to do your research and ensure the company’s plans fit your needs.