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Cinch Home Services Review (2021)

Cinch Home Services protects major home systems and appliances and prevents homeowners from paying expensive, out-of-pocket costs on repairs and replacements. Keep reading our Cinch Home Services review to learn more.

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Cinch Home Services, previously known as Cross Country Home Services, has been in business for more than 40 years and is one of the biggest home warranty names in the industry. Cinch offers three plans with a handful of additional coverage options, and it is a popular choice among homeowners, due to its willingness to cover pre-existing conditions and damage due to rust and corrosion. Cinch’s 180-day service guarantee is among the strongest guarantees in the industry.

Because it can be difficult to determine which home warranty is best for you, the This Old House Reviews Team did the work for you and created an in-depth Cinch Home Services review. We analyzed plans, coverage, pricing, and customer reviews to help you determine if Cinch is the best home warranty provider for you.

For a free quote from Cinch Home Services, call 844-979-0899 or visit the company's website.

Pros & Cons of Cinch Home Services

✔ Provides a 180-day workmanship guarantee
✔ Offers discounts on new appliances
✔ Easy-to-use quote form on its website
✔ Protection for unknown pre-existing conditions

✘ Not as many add-ons offered as some competitors
✘ High service fees ($100–$150) compared to the industry average of $75–$125
✘ Not available in Alaska or Hawaii

Cinch Home Services Plans and Coverage

Cinch Home Services offers three home protection plans: an Appliances plan, Built-in Systems plan, and Complete Home plan. There are also several add-ons available, including coverage for spas, pools, septic tanks, and well pumps. These can be included with any plan at the time of purchase. Here’s what coverage looks like under each plan.

Plan Coverage Breakdown

Item Appliances Built-in Systems Complete Home
Item Appliances Built-in Systems Complete Home
Clothes dryers -
Clothes washers -
Cooktops -
Dishwashers -
Built-in food centers -
Freestanding ice makers -
Built-in microwaves -
Ranges -
Range exhaust hoods -
Refrigerators -
Built-in trash compactors -
Wall ovens -
Air conditioning (including ductwork) -
Attic/Ceiling fans -
Central vacuums -
Doorbells -
Electrical systems -
Garage door openers -
Garbage disposals -
Heating system (including ductwork) -
Homeowners insurance deductible reimbursement - -
Instant hot/cold water dispenser -
Plumbing system -
Smoke detectors -
Sump pump -
Toilets -
Water heater -
Built-in Whirlpool/jetted bathtub -
Air conditioner or water filter credit
Water sensor

Unlike most home warranty companies, Cinch provides coverage for the following:

  • Protection for unknown pre-existing conditions
  • Rust and corrosion coverage

To get a better understanding of what is and isn’t covered under your Cinch home warranty, review a sample contract to understand the terms and conditions of coverage.

Cinch Home Services Pricing

Cinch plan pricing will depend on where you live and the type of coverage you choose. Customers can pay for their home warranty plan in monthly installments or make a single annual payment. If you choose to pay in monthly installments, Cinch is offering two months of free coverage with the purchase of any plan. This offer excludes optional coverage and add-ons, and it can not be combined with any other offers.

Here are coverage costs for a single-family home in Durham, North Carolina:

Plan Pricing Breakdown

Service Call Fee Appliances Built-in Systems Complete Home
Service Call Fee Appliances Built-in Systems Complete Home
$100 $44.99 per month $51.99 per month $61.99 per month
$125 $39.99 per month $45.99 per month $55.99 per month
$150 $34.99 per month $39.99 per month $49.99 per month

Note: For a lower service fee, your monthly premiums will be higher, but if you select a higher deductible, your monthly premiums will be lower.

State Availability

Cinch Home Services is available in 48 states. The company does not serve Alaska or Hawaii. If you live in Alaska or Hawaii, here are alternatives:

Cinch Home Services Reviews

Cinch Home Services is accredited by the Better Business Bureau (BBB) and has an A- rating. Like other top-rated home warranty companies, Cinch Home Services reviews consist of feedback from both happy and unhappy customers. Some positive reviews praise the staff for being knowledgeable, while some negative reviews and This Old House readers have noted slow response times.

Here’s a sampling of third-party customer reviews:

“Excellent home warranty company. I prefer them over American Home Shield with whom I had over 15 years of involvement.” — Adrienne B. via BBB on 8/9/18

We are both real estate professionals and have had other home warranty service providers over the past 5 years... and without a doubt our experience with Cinch has been, well, a Cinch! Customer service and response to our needs / claims and service providers has been very good. So much so that when we sold our home recently, we included the Cinch home warranty as part of the sale for the new homeowner. On top of that we just purchased a new warranty for the home we are moving to!” — Ty and Tara L. via Trustpilot on 9/24/20

Here is some feedback customers shared with our team:

“We bought a house last year that came with a home warranty. The electric hot water heater started leaking. We have now gone five days without water and expect another week before they can get a heater...A new heater and installation from Lowes is $1800-$2200. If we take the Cinch buyout [and cancellation of the applicable section of our warranty], we can get about $1,065 from Cinch. We paid $150 to file the service request. So if we accept the buyout we will end up spending [close to $1,000]! It seems pretty Cinch is slow-walking this process in hopes we will surrender and settle for the payout.” — Jeff B. on 5/28/21

Whatever you do, do not give this company any business as they can’t and won’t help when you actually have a claim. It’s been 30 days since the claim was filed and even then it took a week before anyone called me to set up an appointment. When the repairman did come out he knew exactly what was wrong and said parts were not available but he would submit the claim. That is the last time I have heard from anyone from the warranty company. ” — Greg on 9/28/20

Our Conclusion

Our Cinch Home Services review yielded an 8.1/10 score for the company. Not only does Cinch provide extensive coverage on important home items, but the company offers coverage for components and parts like knobs, doors, and drawers, provides a $25 credit to use toward filters for your A/C or fridge, offers a free water sensor to help detect leaks in your home, and has an easy-to-use digital dashboard.

While Cinch Home Services is a popular provider across all age groups, homeowners with new brand-name appliances get the added bonus of a discount. Its website also features an easy-to-use quote tool that simplifies the process of determining how much your warranty will cost.

Cinch Home Services may be a good option for you if…

  • you want comprehensive coverage for systems and appliances.
  • you want protection for items that may have pre-existing conditions.
  • you want a trustworthy company with an industry-leading 180-day workmanship guarantee.
  • you want a provider with an extensive network of 18,000 technicians.

Cinch Home Services may not be a good choice for you if…

  • you want to choose your own technician.
  • you want cheaper deductibles.
For a free quote, you can call Cinch at 844-979-0899 or visit the company's website.

If you’re still on the fence about Cinch Home Services, see how the company stacks up against other top-rated competitors in the industry.

Compare Home Warranty Companies

Provider Cinch Home Services American Home Shield Select Home Warranty
Provider Cinch Home Services American Home Shield Select Home Warranty
Get a free quote Visit site Visit site Visit site
Plan options 3 + optional add-ons 3 + optional add-ons 3 + optional add-ons
Monthly premiums $35–$62 $40–$58 $36–$38
Deductibles $100–$150 $75–$125 $60–$75
Additional benefits Provides a $25 credit to use toward filters for your A/C or fridge and a free water sensor to detect leaks Free HVAC tune-up with the purchase of ShieldPlatinum™ plan Gives customers two months of coverage free when signing up for a plan

For the best home warranty coverage, we recommend getting a quote from a few different providers so you can compare pricing. By doing this, you’ll also be able to price match with your preferred home warranty company and get the lowest price possible for coverage.

To get a free quote from American Home Shield, fill out this online form or call 844-529-9298.

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3956.

To learn about other home warranty companies we recommend, read our in-depth company reviews:

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions about Cinch Home Services

What isn’t covered under Cinch Home Services?

Non-mechanical items in your home, like the roof, windows, walls and doors, are typically not included in coverage. Additionally, covered items that were improperly installed or repaired might not be covered. To make sure you understand coverage limitations and exclusions, read your sample contract before signing up for a plan.

How many service requests can I make in a year?

You can make an unlimited amount of service requests for the covered items in your contract, as long as you haven’t reached any maximum coverage caps.

Can I choose my own technician for repairs with Cinch Home Services?

Cinch Home Services will choose a technician for you. They have a network of technicians that have undergone extensive screening, including license checks and verification of active liability insurance.

How do I file a claim with Cinch Home Services?

You can file a claim online or by calling Cinch’s customer service hotline, listed below:

You can call the customer service team, which is available 24 hours a day, seven days a week, at 844-324-5688.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.