• SERVICE FEE: $100 - $150
  • ANNUAL COST: Depends On Location & Plan

Cinch Home Warranty Reviews, Pricing & FAQ [2021 Edition]

  • SERVICE FEE: $100 - $150
  • ANNUAL COST: Depends On Location & Plan

Best For

Quick Warranty Service


  • Excellent customer support
  • Service offered in about 2 hours
  • The app makes warranty claims easy to manage
  • Covers most appliances including all parts and components


  • Not available in Hawaii or Alaska
  • Trade fees are a little on the higher side

Founded in 1979 and originally called Cross Country Home Services, the company changed its name to Cinch Home Services in 2019. Based in Sunrise, Florida, it’s a home warranty company that provides a variety of warranty solutions for household appliances. Most Cinch Home Warranty reviews are favorable.

Run under the banner of The Cross Country Group, it’s BBB accredited and enjoys a rating of A-.

It’s a great option for homeowners looking for a way to save money and ensure their house remains in good condition. The company covers both built-in systems and appliances. But, is it the right company for you? We’ll find out in this review.

Cinch Home Warranty Breakdown

Here are some Cinch Home Warranty coverage details:

Feature Details
States Served All states except Hawaii and Alaska
Annual Cost Depends on your location and the plan you choose
Service Fees $100, $125, or $150
Waiting Period to Start Coverage 30 days; may be more or less depending on the state
Deductible Variable – $100 to $150
Repair Facilities Yes
Turnaround Claim Process Time 24 hours
Repair Guarantee 180 days
Customer Service Availability Phone and email
BBB Accreditation Accredited, with an A- rating
Renewal Policy Automatic with no renewal fee
Cancellation Policy 30-day notice
Cancellation Fee Yes – $25
Repair Period/Coverage Period Depends on contract
Accidental Damage Yes
Home Inspection or Maintenance Records Required No

Cinch Home Warranty Details

Most people check Cinch Home Warranty coverage reviews to find out what kind of appliances and home systems components the company covers. In our Cinch Home Warranty plans review, we will try to answer all your questions.

Cinch Home Services is available nationwide except the states of Hawaii and Alaska.

Like most companies, Cinch also has a waiting period of 30 days (though it can differ from plan to plan) before you can receive coverage.

The company offers emergency services. If you are ever pressed for time, you will not have to worry about finding a professional. A technician will be at your door within 2 hours.

The company does not cover damage due to mildew or mold. Appliance breakdowns due to corrosion or rust may also not be covered.

According to the company, all their technicians go through an extensive selection and screening process and come with the required education, skills, experience, and licenses. This is why the company does not give users the chance to choose a technician themselves.

The company covers unknown pre-existing conditions, although there may be exceptions.

Cinch Additional Benefits

In addition to traditional services, the company offers optional add-ons, such as spa and pool, septic systems, and well pumps.

You can get these with any plan for an additional cost. Each item costs between $2.50 and $13.33 per month.

Users can also get the first month for free. This is a limited offer, so make sure to check the official website to see if it applies.

Cinch Home Warranty Pricing & Plan Options

There’s a trade-off when it comes to costs. On the one hand, your monthly premiums will be high if you want to save on service fees. On the other hand, your deductibles will be high if you opt for a lower monthly premium.

Make sure to check your maintenance schedule to determine the right option for you.

Here’s a breakdown:

Service Call Fee Complete Home Built-in Systems Appliances
$150 $39.99/month $32.99/month $27.99/month
$125 $55.99/month $45.99/month $39.99/month
$79 $61.00/month $51.99/month $44.99/month

The company offers three plans: Appliances, Built-in Systems, and Complete Home. They typically cover regular wear and tear damage.

  • Appliances: includes built-in food centers, built-in microwaves, ranges, refrigerators, dishwashers, cooktops, clothes washers, clothes dryers, freestanding ice makers, wall ovens, and built-in trash compactors.
  • Built-in Systems: includes garbage disposals, garbage door openers, electrical systems, doorbells, central vacuums, fans, AC including ductwork, HVAC systems including ductwork, dispensers, plumbing system, sump pump, water heater, jetted bathtub, smoke detectors, and reimbursement.
  • Complete Home: includes everything in the Built-in and Appliances options.

Cinch Home Services is presently offering customized plans but they may not work for everyone. You can get in touch with the company to get a quote.

The company collects deductibles when it provides services and the amount may be used to cover the cost of replacement or repair. You can choose from several deductible options according to your requirements. Deductibles range from $100 to $150.

You will also get a $25 credit to use towards filters. Additionally, users get a free water sensor to detect leaks.

The company does not have a limit on how often you may file a home warranty service request you can make as long as they are for a covered item. However, the cost should not exceed the cap (max. covered limit).

Remember that there are caps on coverage depending on the item and the plan you have selected.

Cancellation charges can be very high for home services companies, but Cinch Home Services has kept them within the lower range. You will have to pay $25 to cancel their services and you must inform the company at least 30 days before canceling. On a more positive note, you can make claims during the last month of service.


The warranty does not cover non-mechanical items such as the walls, roof, and windows. In addition to this, items that were poorly repaired or installed may also not be covered.

It’s one of the few companies that covers components like drawers, doors, and knobs. However, there may be certain coverage conditions.

Go through your items repair agreement to be sure you’re aware of what isn’t covered.

How to File a Home Warranty Claim

Most verified Cinch Home Warranty reviews highlight the ease of filing claims.

The steps are simple. You can file a claim over the phone by getting in touch with an agent. They’re available 24/7 at 844-324-5688. Alternatively, you can also file a claim through the Alexa app.

If this isn’t your cup of tea, then you can use a special digital dashboard offered by the company to request service from anywhere.

The agent may require details on appliance breakdowns. Refer to your home warranty service contract to be sure the particular item you need is covered.

Cinch Home Services, a company accredited by the National Home Service Contract Association, is known for being one of the fastest home warranty providers out there. In fact, it sends technicians within the same day.

Customer Service

You have the option of contacting the agents via either email or phone. Getting an answer via email can be slow. If you need to get in touch with customer service quickly, use the phone. You will not have to wait long to talk to an agent.

The agents are well-informed, professional, and friendly. They can solve a lot of your problems over the phone.

Some users also lodge complaints via social media where customer support agents seem to be active. Unfortunately, the company does not offer live chat.

Pros Cons
Covers most appliances including all parts and components Not available in Hawaii or Alaska
The app makes warranty claims easy to manage Trade fees are a little on the higher side
Excellent customer support
Service offered in about 2 hours

Cinch Home Warranty Reviews

The company has an average score on BBB and lots of Cinch Home Warranty BBB reviews. The company also has 3.5/5 stars on Trustpilot.

Most Cinch Home Warranty customer reviews are positive and buyers seem to be happy with the 180-day guarantee, but some have problems with the waiting period that can be pretty long (depending on the region).

There are also quite a few Cinch Home Warranty complaints, but agents are active on platforms like BBB and Trustpilot to help solve problems. They are generally quick to respond to reviewers.

Cinch Alternatives

Not interested in Cinch Home Warranty’s offers? Here are some cool alternatives that cover home systems and major appliances:

  • Amazon Home Warranty: Launched in 2009, Amazon Home Warranty isn’t affiliated with Amazon.com. It has a BBB rating of B+ with very positive customer reviews. Just like Cinch, it also has a combo deal.
  • American Residential Warranty: Available nationwide, American Residential Warranty offers 12-months plans starting as low as $39.99 per month. The company has an A+ rating on BBB. However, some of their plans can be very expensive.

Before you choose among the best home warranty providers, it’s a good idea to compare the home warranty policy each company provides and the home systems components they cover.


Cinch Home Services has a lot going for them. The cost of a Cinch home warranty is low, and the company offers flexible home warranty coverage plans that extend to a variety of appliances and systems.

The work is guaranteed for six months, giving you peace of mind. You can get in touch with the agents if your item breaks after repairs. Plus, the company has a special savings system that can help users save money on new appliances.


What do I do if my claim is denied?

The company has a resolution system to deal with home warranty service request cancellations. Get in touch with the agents and they will tell you what to do if your claim gets denied.

Are there limits on repairs with Cinch home warranty?

The appliance cap is $2,000. There’s a systems cap that depends on how old a system is. The maximum payout is $10,000 for all contracts, and the heating and cooling system has a cap of $1,500.

How do I cancel a Cinch home warranty?

You can cancel a maintenance agreement or contract by informing the company at least 30 days in advance to cancel auto-renewals and to get a refund, which may take up to 30 days to reach you.

Are Cinch Home Warranty reviews reliable?

While we can’t be sure about other Cinch Home Warranty company reviews, this Cinch review sums up the information and facts we found while conducting our own research of the company’s services and reputation. You can check all Cinch Home Warranty reviews online and choose the one that seems most reliable to you. Make sure that the review shows both the pros and cons of the company and gives you information, not just an opinion.


I am a curiosity-driven creature searching for answers — and questions — in the digital realm. From marketing through online business creation to software tools — I am fascinated by everything that can make life easier. When not looking for meaning, yoga and good food keep me grounded.