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Cinch Home Services is a home warranty company providing coverage in 47 states. However, you probably know that already. You’re here to find out whether or not Cinch is a reputable home warranty provider and if it’s your best option for a home warranty plan. Home improvement expert Scott Dylan Westerlund wrote the following Cinch Home Services review to help you figure out if a Cinch home warranty is your best route.
You may have heard his name before if you’re a reader of Angi.com. Scot will give you the facts about Cinch’s home warranty plans, prices, and reputation, summarizing customer reviews that our team closely evaluated from third-party sites, including BBB.
Cinch Home Services Review for 2023, by Industry Expert
Cinch stands out for offering mid-priced warranty plans that pack in lots of coverage. Features like a mobile app, robust workmanship guarantee, and three flexible plan options make this company appealing to homeowners. In this Cinch Home Services review, we’ll cover plan options, pricing, coverage, user reviews, customer service, and more to help you see if Cinch is the right choice for your home.
What Is Cinch Home Services?
Cinch Home Services is one of the country’s leading home warranty companies. Based in Florida, Cinch has been in business for nearly 45 years. More than 1 million customers around the country choose Cinch for home warranties. The company has won dozens of awards for customer service over the years.
Customers can choose from three flexible plans.
Plans start at just $30.99.
Great user app makes it easy to manage claims 24/7.
All work is backed by a rare 180-day workmanship guarantee.
Covers systems and appliances with pre-existing conditions as long as they’re unknown.
No coverage in Alaska, California, or Hawaii.
Warranties lack robust options for add-on coverage compared to competitors.
Roof-leak repairs are excluded from all plans.
The Cinch Home Services service call fee is on the higher side. You might pay as much as $150 per call.
Cinch Home Services Review
Like many home warranty companies, Cinch offers three coverage plans to help you get coverage that’s just right. You can choose to cover appliances only, built-in systems only, or both appliances and systems. Regardless of which plan you choose, Cinch Home Services customers can make as many claims as needed per year. Just keep in mind that
Cinch Home Services coverage limits place the annual coverage cap per item at $10,000. If you spring for the Complete Home Plan, you’ll be eligible for a once-yearly insurance deductible reimbursement of up to $500 on a covered claim. All plans include a $25 air conditioner and refrigerator filter credit
Cinch Home Services Warranty Plans and Pricing
For between $5.58 and $22 per month, customers can select add-on coverage for pools, spas, pools with spas, septic tank/pumping, and well pumps that can be combined with any of Cinch’s three plans. While Cinch only offers five add-on options, the robustness of the company’s main plans helps to offset the fact that you won’t be able to get some big-ticket items on your property covered. Here’s a look at what’s covered under all three Cinch Home Services Warranty plans.
Cinch Home Services Warranty Plan 1: Appliances Plan
As the basic tier, Cinch’s Appliances Plan covers nearly all of the major kitchen and laundry appliances in your home for pricing that starts at $30.99 per month. This plan can build peace of mind if you’re concerned that your older appliances may soon start to experience problems. The essential appliances covered under the Appliances Plan are refrigerators, dishwashers, ranges, wall ovens, cooktops, range exhaust hoods, built-in trash compactors, clothes washers and dryers, microwaves, freestanding ice makers, and built-in food centers. Think of wine fridges and similar appliances for that last item!
Cinch Home Services Warranty Plan 2: Built-in Systems Plan
This is the plan to choose if you’re primarily focused on Cinch Home Services plumbing coverage and Cinch Home Services electrical coverage. Offering coverage for up to 16 major home systems starting at just $35.99 per month, this plan can help to prevent repair costs for big-ticket items around your home. Covered items include plumbing systems, ductwork, heating systems, electrical systems, attic fans, ceiling fans, central vacuums, sump pumps, toilets, water heaters, hot/cold water dispensers, smoke detectors, doorbells, garbage disposals, and whirlpool tubs.
Cinch Home Services Warranty Plan 3: Complete Plan
Starting at $44.99 per month, the Complete Plan combines everything in the Appliances Plan and the Built-in Systems Plan under one price. Choosing this option gives you a value of $65 per month for just $44.99.
Select Home Warranty vs. Cinch Home Services
Select Home Warranty offers coverage in all 50 states versus Cinch’s 47-state coverage. Like Cinch, Select Home Warranty offers three pricing tiers providing the option to choose coverage for appliances only, systems only, or both. Pricing is interesting when comparing these two options because the Bronze Care and Gold Care plans both have a much heftier starting price of $52. However, the Platinum Care plan that starts at $56.25 per month for full coverage is about $10 cheaper than Cinch’s comparable plan.
Services fees ranging from $75 to $100 are slightly lower than Cinch’s service fees. However, one detail that may push some customers toward Cinch is that Select Home Warranty’s coverage excludes all pre-existing conditions. In addition, Select Home Warranty’s coverage policies appear to be stricter compared to Cinch’s even though the covered items under both companies are similar.
Cinch Home Services vs. Choice Home Warranty
Choice Home Warranty’s flat-rate service of $85 can feel like a sensible choice for consumers who don’t like wildcards. With availability in every state other than Washington, Choice Home Warranty also has a slightly larger coverage range compared to Cinch. The big difference is that Choice only offers two plans instead of three.
Consumers are left choosing between the Basic plan for $46.67 a month and the Total plan for $55 a month. While pricing for Choice Home Warranty’s basic plan starts at $16 more than Cinch’s comparable plan, Choice’s plan actually excludes refrigerators, clothes washers, and dryers. Disappointingly, you’ll need to jump up to the Total plan to get those basics covered. Choice also excludes coverage for central vacuum ductwork, doorbells, fireplaces, portable sump pumps, septic leach lines, smoke detectors, and a number of other things. While air conditioning systems and ceiling/exhaust fans are covered, only one claim will be paid each year for these items. Finally, Choice Home Warranty’s generous 60-day guarantee for workmanship still isn’t impressive enough to top Cinch’s 180-day warranty.
Is Cinch Home Services Warranty Worth It?
Cinch does a great job of juggling robustness with low cost in a way that’s rare among its competitors. The appliance and systems plans both cover all of the major items you’re looking for at very reasonable prices. However, the “budget” aspect of Cinch does disappear slightly once you get to the all-inclusive tier. Unlike plans that entice you by making a complete plan just $10 to $12 more expensive compared to standalone appliance or systems plans, Cinch does have one of the pricier all-inclusive plans on the market.
Cinch Home Services Reviews BBB
Cinch Home Services has a “B” rating with the Better Business Bureau. However, customer ratings through BB earn a measly 1.11 out of 5 stars based on 1,682 Cinch Home Services coverage reviews. Most competitors at least reach 2 stars.
Review Cinch Home Services Complaints
Most of the Cinch Home Service bad reviews are related to service for major systems. Several customers claim that the company is not fulfilling obligations to repair or replace parts of air conditioning and HVAC systems. Many more customers were disappointed with the slow turnaround time for work. In some cases, customers were left up to 10 days without a functioning hot water heater or air conditioner as they waited for a technician to get approval to do work.
Currently, there is no class action Cinch Home Services lawsuit on the books. However, several customers around the country have filed small claims lawsuits against the company.
Cinch Home Services Reviews on Google
Cinch Home Services stands at 2.7 stars out of 5 on Google Reviews. Cinch Home reviews manage to earn a respectable score of 3.3 out of 5 stars from Trustpilot reviewers based on more than 2,600 reviews. However, both platforms are filled with Cinch Home Services reviews and ratings from customers who feel frustrated by long waiting periods for service.
Cinch Home Services Coverage Details
Cinch Home Services offers comprehensive coverage for the whole house. While covered items under your policy will vary based on the plan you choose, this list details all of the potential items that can be covered through the company:
- Built-in Food Centers
- Freestanding Ice Maker
- Built-in Microwave
- Range Exhaust Hood
- Trash Compactor
- Wall Ovens
- Water Sensor
- Air Conditioning and Ductwork
- Attic Fan
- Ceiling Fan
- Central Vacuum
- Electrical System
- Garage Door Opener
- Garbage Disposal
- Heating System and Ductwork
- Instant Hot/Cold Water Dispenser
- Smoke Detector
- Sump Pump
- Water Heater
- Whirlpool Tub
- Air Conditioner or Water Filter Credit
It’s common for home warranty companies to build exclusions into their policies. Cinch Home Warranty is no exception! Here’s what’s excluded from plans at all levels:
- Routine maintenance for all covered items.
- Items covered by your home insurances or other warranties
- Commercial-grade appliances or systems
- Flues, venting, chimneys, and exhaust lines
- Damages caused by unauthorized repairs
- Damages caused during remodeling
- Coverage for any items located below the basement or slab
- Damages caused by neglect or misuse.
- Damages caused by power failures, power surges, or lightning
- Structural damage
- Issues caused by mold or mildew
- Removal of hazardous material
- Any electrical devices
Cinch Home Services claim denial reasons often revolve around the company claiming that issues were caused by one of the excluded reasons above. Keep in mind that the Cinch Home Services pre-existing conditions clause states that an issue is excluded from coverage if the homeowner knew about it prior to taking out a policy.
Cinch Home Services Claim Process
Cinch’s user-friendly app makes starting a claim easy without the need to make a call or log into your computer. Here’s what to do:
- Access your Cinch account via the app.
- Request service.
- Schedule a preferred time with a technician.
- Pay your deductible fee online.
- Wait for a service professional to contact you.
If you don’t want to go through the process online, you can also call (844) 324-5688 to have a customer service agent walk you through the process.
Cinch claims that customers can expect to book service appointments within 48 hours. However, that’s not a guarantee. Many customers share that they have waited days to hear back. Through the Cinch Home Services payout process, the company pays contractors directly on your behalf for covered work.
Cinch Home Services Customer Service and Support
While initial customer support is on point, many customers find that following up is difficult. Response times can range from a few hours to a few days. However, one perk that sets Cinch apart from other brands is a user-friendly app that allows you to track the progress of your claim in real time without the need to pick up the phone to dial a customer service line.
If you’re wondering about the Cinch Home Services cancellation policy, you’ll be able to cancel your policy within 30 days of its effective date for a full refund. However, you’ll need to contact the company directly to learn about cancellation details if you want to opt out after the 30 days have passed.
Cinch Home Services Contractor Network
Like most home warranty companies, Cinch is pretty vague when it comes to sharing the qualifications of its verified contractor network. However, we can tell you that all Cinch contractors must possess valid licenses, undergo background checks, and possess general liability coverage. Some customers report that Cinch actually allowed them to select their own contractors after being dissatisfied with the contractors dispatched to their homes.
Frequently Asked Questions
Is Cinch Home Services a ripoff?
Cinch is a valid home warranty company that has been in business for nearly 45 years. It’s very possible to save thousands of dollars per year with a plan. However, some customers have had poor experiences when it comes to actually getting the company to pay for covered items.
Is Cinch Home Services worth it?
If you have older appliances or systems, a Cinch plan can give you peace of mind that you won’t be on the hook for repairs and replacement costs if something breaks down.
Is Cinch Home Services worth it, according to customer comments on Reddit?
Reddit reviews for Cinch are mixed. While several people report that they were able to get a pricey fix done quickly, others felt that Cinch was slow to pay for covered work.
Cinch Home Services vs. Landmark Home Warranty – Which plan is best?
Due to limited coverage and low availability around the country, Landmark Home Warranty isn’t in the same league as Cinch.
How do I buy a home warranty from Cinch Home Services?
After reviewing pricing options, simply request a quote online. Keep in mind that starting costs can vary based on your location and the size of your home.
How do I file a claim with Cinch Home Services?
The easiest way to file a claim is to just go through the app. While your claim will be filed immediately, you may not see any movement with your claim until business hours resume the next day.
How long does it take after a claim is made for a technician to come?
Customers have all different types of experiences with Cinch. Expect to wait anywhere from 24 hours to a week.
Does Cinch Home Services cover roof leaks?
Unfortunately, Cinch does not provide roof coverage.
Does Cinch Home Services cover mold?
No, mold is not covered by Cinch.
Does Cinch Home Services cover water damage?
No, Cinch will not cover water damage.
Does Cinch Home Services cover termites and insects?
Damage from pests is excluded from Cinch plans.
Does Cinch Home Services cover theft?
Cinch will not cover replacements or repairs needed due to theft.
Does Cinch Home Services cover damage from trees?
Tree damage is not included in any of Cinch’s policies.
What additional home warranty coverages are offered by Cinch Home Warranty?
For between $5.58 and $22 per month, customers can add on coverage for pools, spas, pools with spas, septic tank/pumping, and well pumps.
Does Cinch Home Services have customer complaints?
Yes, Cinch Homes Services has thousands of consumer complaints online. Most complaints revolve around slow service. However, the company also has many positive Cinch Home Services customer testimonials online from satisfied customers who were able to avoid expensive repairs on covered appliances and systems.
Cinch Home Services Rating
These are the criteria used to rate Cinch Home Services.
|BBB Rating (B)||5|
|Coverage for Essential Components||17|
|Claims Processing Efficiency||8|
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