Author: Sarah Badani
Every homeowner understands the headache that paying out of pocket fees for every minor repair can bring, and a good home warranty plan can prevent the dread that comes with every minor repair. Cinch Home Warranty offers exemplary customer service and reasonable and varied coverage plans, for both homeowners and real estate professionals, that will make maintaining your home… well, a cinch!
|Annual Premium||Varies by state|
|Plan Types||Appliances, Built-in Systems, Complete Home|
|States||All states except Alaska and Hawaii|
|HVAC||On the built-in system and complete home plans|
|Contractors||In-network, wide network of pre-screened technicians|
|Home Inspection Required||No|
|Claims service fee||N/A|
|24/7 claims department||Yes|
Cinch covers quite an extensive list of household appliances and systems, as well as offering coverage for unknown pre-existing conditions. Coverage is included for damage done by rust and corrosion, which is excluded from many home warranty plans. You can choose from 3 plans (described below) that cover either appliances, built-in systems, or the more comprehensive complete home plan.
The plans do limit coverage to up to 2 units per appliance (anything on the appliance plan), while systems such as air-conditioning, heating, and water heater systems are also limited to up to 2 units.
The appliance cap is $2,000. There is also a systems cap, but it depends on the age of the system. The max payout for any contract term is $10,000. The heating/air conditioning system cap is $1,500. Freestanding freezers, multi-media centers built into appliances, and wine chillers and consumables are not covered.
|Item||Appliances||Complete Home||Built-in Systems|
|Air Conditioning Including Ductwork||x||✔||✔|
|Central Vacuums||x||✔5 units||✔5 units|
|Freestanding Ice Makers||✔||✔||x|
|Garage Door Openers||x||✔5 units||✔5 units|
|Garbage Disposals||x||✔5 units||✔5 units|
|Heating System including Ductwork||x||✔||✔|
|Instant Hot/Cold water Dispenser||x||✔5 units||✔5 units|
|Range Exhaust Hood||✔||✔||x|
|Trash Compactors (Built-in)||✔||✔||x|
|Whirlpool/Jetted Tub (Built-in)||x||✔||✔|
|Homeowners Insurance Deductible Reimbursement||x||✔||x|
In addition to covering all of the usual systems and major appliances within the coverage plans, Cinch's sample contract lists optional coverage add-ons such as a swimming pool and/or spa combination, septic system, well pump, and a premier upgrade package.
Cinch Home Services offers warranty plans for real estate professionals that include plans for both buyers and sellers. Plans come with 2 different deductible options: $100 or $200. Plans include coverage for unlimited HVAC units, appliance coverage with no dollar limits, emergency lodging reimbursement, and multi-year discount pricing.
Cinch's home warranty plans have service call fees that range from $100 -$150, the price varies by state and type of coverage. Monthly payment options are available. You also receive a month's free coverage with the purchase of the plans Cinch offers. This excludes optional-coverage and add-ons and only applies in some states. As the pricing varies by state and deductible chosen, a range is presented here:
|Appliances||Complete Home||Built-in Systems|
Cinch has a wide network of contractors nationwide who are meticulously screened and selected through a process that includes, but isn't limited to, license checks and verification of active liability insurance. These technicians are also monitored and scored based on customer feedback.
Customers can submit claims 24/7/365, including religious and public holidays. Claims can be submitted by a phone call to customer service at 844-324-5688, by logging in to your profile on the company website, or by asking Amazon's Alexa to open a claim for you. Once you have presented a claim, a representative should get back to you within 24 hours.
There is no claims service fee, but you might have to pay more than one trade service call fee for every broken item repaired in one visit.
|Cinch||Select Home Warranty||Choice|
|Annual Premium||Ranges||Starts at $379||Starts at $485|
|Number of contractors||Wide network||10,000+||Wide network|
|Home Inspection Required (Y/N)||No||No||No|
|24/7 Claims (Y/N)||Yes||Yes||Yes|
|Workmanship Guarantee (in days)||180 days||N/A||90 days parts, 30 days labor|
"I’m very pleased with the service Cinch Home Service has provided me. The representative was very knowledgeable and was able to provide me with the correct service I need. I’m looking forward to being a loyal customer."
- Kate, Raleigh, NC
"I called to determine what makes Cinch standout from the other companies. All of my questions were answered and I felt like the rep took the time to address all of my concerns and what Cinch offered, and why they were a better company."
- John, Hanford, CA
“They have been very good, kind and thorough. The guy who did the water heater and the gentleman who fixed the toilet were the finest repair people I’ve ever had in 20 years on this earth.”
-John A, Huntsville, AL
Cinch Home Warranty is a veteran of the industry, and it's easy to see why. With a variety of plans, reasonable pricing, and reliable customer service, Cinch offers a service you can trust to provide you with peace of mind and hassle-free home repairs.
Established in 1978, Cinch offers over 40 years of experience in Home Warranty and has received 18 prestigious Stevie Awards in 2020 alone. Cinch responds to over 1 million service requests a year, and currently has a BBB rating of A-.