Cinch Home Services—Smart Coverage for a Worry-Free Home
Get comprehensive coverage for your major appliances and critical home systems with easy claims and a 180-day workmanship guarantee.
Why Choose Us
Why Choose Cinch Home Services—Protection You Can Count On
pricing & plans
Choose a Plan That Fits Your Home (and Your Budget)
monthly
yearly (-10%)
Basic plan
Free
- Covers major household appliances like refrigerators, dishwashers, and ovens.
- Includes coverage for Rust and Corrosion.
- Protects against mechanical failure.
- No home inspection required.
- Covers items regardless of age, make, or model.
Advance plan
$
49.99
- Includes coverage for essential home systems like heating, AC, plumbing, and electrical.
- Provides an Air Conditioner Filter Credit.
- Comprehensive repair or replacement service.
- Protection against system wear and tear.
- Select your own service technician.
Enterprise plan
$
149.99
- Combines both appliances and systems coverage for extensive protection.
- Includes Homeowners Insurance Deductible Reimbursement.
- The ultimate peace-of-mind package.
- One plan covers all major breakdowns.
- Save money by bundling all coverages.
Basic plan
Free
- Covers major household appliances like refrigerators, dishwashers, and ovens.
- Includes coverage for Rust and Corrosion.
- Protects against mechanical failure.
- No home inspection required.
- Covers items regardless of age, make, or model.
Advance plan
$
49.99
- Includes coverage for essential home systems like heating, AC, plumbing, and electrical.
- Provides an Air Conditioner Filter Credit.
- Comprehensive repair or replacement service.
- Protection against system wear and tear.
- Select your own service technician.
Enterprise plan
$
149.99
- Combines both appliances and systems coverage for extensive protection.
- Includes Homeowners Insurance Deductible Reimbursement.
- The ultimate peace-of-mind package.
- One plan covers all major breakdowns.
- Save money by bundling all coverages.
universal question
Cinch Answers Everything—No More Guesswork!
General & Plan Strategy
What plans does Cinch Home Services offer?
Cinch generally offers three core plans: Appliances (covering items like refrigerators, washers, and dryers), Built-in Systems (covering HVAC, plumbing, and electrical), and a Complete Home Plan that combines both and often includes extra benefits like a deductible reimbursement.
Does Cinch cover pre-existing conditions?
Yes, Cinch covers unknown pre-existing conditions, meaning issues you couldn't detect through a simple visual or mechanical test before your coverage started. This is a key advantage over many competitors.
What is Cinch's Workmanship Guarantee?
Cinch provides a 180-day Workmanship Guarantee on all covered repairs. If the same issue recurs within six months of the service date, they'll fix it again at no extra cost.
Performance & Coverage
Does Cinch cover rust or corrosion damage?
Yes, Cinch's coverage is unique in that it includes mechanical failures caused by rust and corrosion, a common exclusion among other home warranty companies.
What are Cinch's coverage caps?
Cinch typically uses an aggregate annual coverage cap of up to $10,000 for all covered repairs combined over the contract year. Individual appliances often have a maximum coverage limit of up to $2,000 per item per term.
When does my Cinch coverage begin?
Coverage typically begins 30 days after you purchase your plan. You will be advised of the exact effective date before you finalize your purchase.
Functionality & Features
How do I submit a service request (claim)?
You can submit a service request 24/7 online through the My Account portal or by calling their dedicated service line. You will pay your service fee (deductible) at the time of the request.
What is the service fee (deductible) for a Cinch claim?
Cinch offers flexible service fee options that you choose when purchasing your plan. Common options are $75, $100, or $150 per claim, with the fee you choose impacting your monthly premium. The fee is due when you request service.
Can I choose my own service technician?
In most cases, Cinch requires you to use a professional from their national network of pre-screened service providers. They only allow you to choose an outside technician if they cannot find one in your area, and that technician would need Cinch's prior approval.
Contract Lifecycle & Support
How long does it typically take for a Cinch technician to respond to a claim?
Cinch's goal is to contact you and assign a technician within 48 hours of submitting a service request. The actual service time depends on the technician's availability and the complexity of the repair.
Can I transfer my Cinch plan if I sell my home?
Yes, Cinch allows you to transfer your existing home warranty plan to the new homeowner for the remainder of the contract term, often with no transfer fee required.
What is the renewal process for my Cinch plan?
Your Cinch plan automatically renews unless you notify them otherwise. They will send you a renewal notice with your new premium and terms prior to the renewal date.
Can I cancel my Cinch Home Services plan, and will I receive a refund?
You can cancel your plan at any time. A full refund is generally available if you cancel within the first 30 days. After 30 days, a prorated refund, minus a small administrative fee, will be issued.