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Cinch Home Services Home Warranties Review


ConsumersAdvocate.org Rating: 3.8 / 5 (Very good)
73 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 Do We Rate Cinch Home Services?

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

Our 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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73 Customer Comments & Reviews

Loading Reviews ...
mita.paul
1/25/2023
Terrible customer service and response. Had a very hard time, PLEASE DO NOT USE THEM!!!


M
MadInMaryland
12/29/2022
UNETHICAL BUSINESS PRACTICES. Cinch is delaying response to my service request for a broken furnace. Maryland has experienced weeks of sub-zero temperature this December, and I am without a furnace. The HVAC company has stated that the furnace must be replaced, but Cinch has become unresponsive. The customer service by phone is horrible. The rep. told me that I cannot speak to a supervisor because she has no supervisor. The rep. I have been emailing has stopped responding. The online portal shows my services request as close. How can it be closed when I have no working furnace? AVOID CINCH!!


tomrepoll
12/19/2022
DO NOT USE!!! Terrible customer service and terrible technicians to perform work. My AC went out on this summer. Cinch sent a tech out on 07/03/2022 to repair a control panel. The repair was never completed by Harpers Heating and Air nor would they return my phone calls or text messages. Nor would they answer any calls from Cinch. After weeks of waiting and no response from Harpers, Cinch sent another tech company (EZ Heating and Air) out in September and they recommended a new unit. Cinch declined to to pay for this new unit. After Cinch declined to pay for a new unit as requested by EZ repair they sent out Sears Home Services in October. They once again charged me another... Read More


halilewya
12/13/2022
If this is the standard for home warranties now, I would never purchase one again. I have a not very old dishwasher which is broken--apparently a common problem with this make of dishwasher. I've been waiting for almost two months for Cinch to make sure it's fixed or replaced. They work with a middle-company and a local repair company which is poorly rated. Absolutely no accountability or commitment to make sure the product is fixed or replace, which is the only thing I've been paying for. This is my first claim since I purchased the plan over a year ago and am flabbergasted that I have paid a lot for something which appears to be basically a bogus product.


Kim B
10/11/2022
This is the worst warrantee company. Where do I start. They send really sketchy service providers and in all cases I’ve never had anything fox d. They either pretend they can’t or just show up so they get paid and collect the deductible from you. I’ve spent more money using therm because they can never fix anything and then I have to spend money to fix it myself. You will always stay on hold. You will never get someone that you understand. They all have heavy foreign accents. They have horrible customer service. You will have to call them everyday several times a day to ensure your claims get processed. Their platforms and systems never works so if you try to avoid hold times and go... Read More


dksmmrs45
10/8/2022
One of the worst experiences i have ever had cannot reach a human to talk to them don't have service for what is supposedly covered. trying to get a Maytag Dishwasher serviced they have no one. Stay away find someone better


L
Lloyd
10/5/2022
Terrible cusomer service, I had to wait 5 weeks for a service call only to find out the day of the service call the provider did not service mmy area. This was only after I called to find out where the technician was after waiting 6 hours for them. They are now trying to find someone who sevices my area. On top[ of that they sent me the incorrect part for the repair. I have a defective display on my stove and they sent me an ignition switch. I have now called three time to remedy this only to be on the phone for almost an hur and end up getting transferred to some unrelated company who stated, "Yeah, we get Sears call allt the time" we have nothing to do with them. Save yourself the pain... Read More


Sylvia S
9/21/2022
While I understand that I must know what I signed up for, I do not understand how the representative failed to remind me that one of the services wasn't covered. Had I known at the time of the call, I wouldn't have proceeded with the claim. It was the plumber who told me about the 1) incomplete work order and 2) part of my request wasn't covered. Since 9/16, I have been going back and forth to get the money refunded. 3 hours and 9 people later, everything I was told was incorrect ending with a call to Sears saying they couldn't help me with the repair. The company was real quick to collect the money fee, though. Today I was denied speaking to a supervisor. Based on this last week, I... Read More


H
Howard
9/6/2022
Worst company on the planet. Our water heater went out on September 3. We called and filed a claim. We were told that we would receive an email with instructions. We received the email however it merely stated the claim had been filed. At that point they deducted the deductible from our account. It is now September 6 and still no action from this company. After repeated calls and receiving different answers from each agent I’m now looking at a 4th day taking cold showers. The only thing they appear to be efficient at is taking the money from your account. This without a doubt the most poorly run business I have had the displeasure of dealing with. Another call was just placed and the... Read More


ashleychade
8/25/2022
Worst company!! Horrible customer service! Not responsive! Doesn't approve claims, and when they are denied they don't give you explanation they just ignore you. Most importantly the customer service reps are very unprofessional . If I could rate them 0 stars I would. You pay all this money and they are a joke! Complete scam artists. Highly recommend any homeowner or business owner not to invest into this "company".



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