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Cinch Home Services Review (March 2024)

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

Author Icon By Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 02/23/2024

Cinch Home Services
Phone: 844-979-0899
BBB Rating: B
Monthly Cost: $30–$56
Service Fee: $100–$150
Cinch stands out due to its unique and comprehensive coverage
  • Monthly Cost: $47 – $64
  • Service Fee: $100 – $150
  • BBB Rating: B
  • Plan Options: Three (Appliances Plan, Built-in Systems Plan, Complete Home Plan)
  • Known for: Best Additional Perks
  • 180-day workmanship guarantee
  • Covers things like doors, drawers, and knobs
  • Covers unknown preexisting conditions
  • Limited additional coverage options
  • No roof-leak repair coverage

Cinch Home Services offers three different plan options: Appliances Plan, Built-in Systems Plan, and Complete Home Plan

The table below highlights Cinch’s covered items in each plan:

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 names in the home warranty industry. Cinch offers three plans with a handful of additional coverage options and a 180-day service guarantee that’s among the strongest in the industry. It’s a popular choice for homeowners due to its willingness to cover items with preexisting conditions and rust and corrosion damage. 

It can be difficult to determine which home warranty is best for you, so we wrote 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 fill out Cinch Home Services’ quote form.

How Does Cinch Compare to the Competition?

To see how Cinch Home Services compares to our other top-recommended providers, review the table below. You can compare monthly costs and service fees and visit their sites to request quotes.

Best For Monthly Cost Service Fee BBB Rating Link
Liberty Home Guard Liberty Home Guard Best Customer Ratings $49–$59 $65–$125 A VISIT SITE
American Home Shield American Home Shield Best for Comprehensive Coverage $29–$89 $100–$125 B VISIT SITE
Select Home Warranty Select Home Warranty Best Value $44–$47 $60–$75 B VISIT SITE
AFC Home Warranty AFC Home Warranty Best for Customization $38–$64 $75–$125 B VISIT SITE
First American Home Warranty First American Home Warranty Best Appliance Coverage $42–$82 $75–$125 B VISIT SITE
Elite Home Warranty Elite Home Warranty Flexible Coverage $44–$58 $70 A+ VISIT SITE
Cinch Home Services Cinch Home Services Best Additional Perks $30–$56 $100–$150 B VISIT SITE
2-10 Home Buyers Warranty 2-10 Home Buyers Warranty Cheapest Appliances Plan $27–$70 $65–$100 A- VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Best For Best Customer Ratings
Monthly Cost $49–$59
Service Fee $65–$125
BBB Rating A
American Home Shield
Logo American Home Shield
Best For Best for Comprehensive Coverage
Monthly Cost $29–$89
Service Fee $100–$125
BBB Rating B
Select Home Warranty
Logo Select Home Warranty
Best For Best Value
Monthly Cost $44–$47
Service Fee $60–$75
BBB Rating B
AFC Home Warranty
Logo AFC Home Warranty
Best For Best for Customization
Monthly Cost $38–$64
Service Fee $75–$125
BBB Rating B
First American Home Warranty
Logo First American Home Warranty
Best For Best Appliance Coverage
Monthly Cost $42–$82
Service Fee $75–$125
BBB Rating B
Elite Home Warranty
Logo Elite Home Warranty
Best For Flexible Coverage
Monthly Cost $44–$58
Service Fee $70
BBB Rating A+
Cinch Home Services
Logo Cinch Home Services
Best For Best Additional Perks
Monthly Cost $30–$56
Service Fee $100–$150
BBB Rating B
2-10 Home Buyers Warranty
Logo 2-10 Home Buyers Warranty
Best For Cheapest Appliances Plan
Monthly Cost $27–$70
Service Fee $65–$100
BBB Rating A-

Annual Home Warranty Cost Calculator

Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

ApplianceAverage Repair CostAverage Replacement Cost










Exhaust Fans



Electric Range



Gas Range


















Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.

What Is Our Take on Cinch Home Services?

Our team rated Cinch Home Services a 4.6 out of 5 stars for its comprehensive and unique coverage. Cinch covers items other providers don’t, such as built-in food centers and free-standing ice makers. Cinch also provides plan and service fee flexibility via three protection plans and adjustable service call fees. Additionally, it includes a $25 air conditioner and refrigerator filter credit in each plan, making it our choice for the best additional perks. Cinch’s downsides include its costly service call fee range and lack of roof-leak coverage.

Note: The pricing above and throughout the article reflects a sample quote our team pulled for a 1,800-square-foot, single-family home in Boca Raton, Florida. Your pricing may vary based on your location, your home’s size and type, and your plan and add-on selections.

What Are the Pros and Cons of Cinch?

Here are some of the pros and cons of Cinch Home Services:

Pros Provides a 180-day workmanship guarantee, which is six times longer than the industry standard Covers appliance and system components, such as doors, drawers, and knobs Reimburses customers up to $500 for their homeowners insurance deductibles in the Complete Home plan Covers systems and appliances with unknown preexisting conditions
Cons Provides limited additional coverage options Excludes coverage for mobile homes and roof-leak repair

What Are Cinch Home Services Plans and Coverage?

Cinch Home Services offers an appliance plan, Built-in Systems plan, and Complete Home plan. The Appliances plan covers major appliances, including clothes washers and cooktops. The Built-in Systems plan covers major systems, such as air conditioners and plumbing systems. The Complete Home plan bundles appliance and system coverage and adds home insurance deductible reimbursement.

Cinch provides a $10,000 annual coverage cap. This means Cinch will take care of repair and replacement costs for any covered item up to $10,000 throughout the plan year. Once you’ve reached the coverage limit, you are responsible for paying additional repair or replacement fees.

Plan Details

The table below highlights Cinch Home Services’ coverage options:

CoverageAppliancesBuilt-in SystemsComplete Home

Air conditioner or water filter credit

Air conditioning including ductwork

Attic fans

Ceiling fans

Central vacuum

Clothes dryer

Clothes washer




Electrical system

Food center (built-in)

Freestanding ice maker

Garage-door openers

Garbage disposal

Heating system including ductwork

Homeowners insurance deductible reimbursement

Instant hot/cold water dispenser

Microwave (built-in)

Plumbing system


Range exhaust hood


Smoke detectors

Sump pump


Trash compactor (built-in)

Wall oven

Water heater

Whirlpool/jetted tub (built-in)

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

  • Items with unknown preexisting conditions
  • Rust and corrosion damage

Cinch offers additional coverage options to supplement your protection plan. Although the options it offers are limited, Cinch adds value by providing extra coverage for items within standard plans. 

It also offers the Premier Upgrade Package, which covers miscellaneous fees, such as code upgrades. Most providers don’t offer an upgrade add-on.

Here are the additional coverage options Cinch provides:

  • Pool ($22 per month)
  • Pool with spa ($22 per month)
  • Premier Upgrade Package ($13 per month)
  • Spa ($22 per month)
  • Septic tank pumping ($5 per month)
  • Well pump ($13 per month)

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.

How Much Does Cinch Home Services Cost?

Cinch plan pricing will depend on where you live and the type of coverage you choose. Cinch offers service fees of $100, $125, or $150. If you choose a lower service fee, your monthly premium will be higher; if you choose a higher service fee, your premium will be lower.

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 offers two months of free coverage with the purchase of any plan. This offer excludes optional coverage and add-ons and cannot be combined with any other offers.

Our team requested pricing and plan information using Cinch’s online quote form. It’s straightforward to use; we pulled a quote in under two minutes. Purchasing add-ons is also quick and easy. You simply check the box next to the add-on you’d like, and Cinch automatically adjusts your monthly premium.

The table below indicates the cost of each Cinch Home Services plan:

Plan$100 Service Call Fee$125 Service Call Fee$150 Service Call Fee





Built-in Systems




Complete Home




What is Cinch's 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:

How Are Cinch Home Services' Reviews?

Cinch Home Services is accredited by the Better Business Bureau (BBB) and has a B 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:

“I got a quick response and the service was performed within a weeks time. The service technician called me before coming and was reliable. He needed a new part but instead of making us wait, he drove across town to pick it up came back and fixed our problem. I was impressed overall was good experience.” — Linda H. via Trustpilot on March 15, 2023

“I liked the discounts and free months. I was able to receive with my account what I did not like was well talking to customer service about an issue of an email. The agent hung up on me. I didn’t like that at all. I had to call sales sales in con tact, and they with another person and she was able to take care of my problem swiftly.” — Óscar F. via Trustpilot on February 3, 2023

Here is some feedback a customer 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 May 28, 2021

Is Cinch Home Services Worth It?

Our Cinch Home Services review yielded 4.6 out of 5 stars for the company. Not only does Cinch provide extensive coverage on important home items, but it also offers coverage for components and parts such as knobs, doors, and drawers. Further, Cinch provides additional benefits such as a $25 credit to use toward filters for your AC or fridge and an easy-to-use digital dashboard.

Overall, Cinch Home Services may be a good option if you want comprehensive coverage for systems and appliances. Its coverage for items with preexisting conditions, 180-day workmanship guarantee, and extensive network of service providers make it worth considering. However, Cinch may not be a good choice if you need roof-leak coverage or deductibles below $100.

For a free quote, call Cinch at 844-979-0899 or fill out Cinch Home Services’ quote form.

Who Are The Best Home Warranty Companies?

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. 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.

Compare Home Warranty Companies


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








Additional benefits

$25 credit toward filters for your A/C or fridge

Free HVAC tune-up with the purchase of ShieldPlatinum plan

Two extra months of coverage when signing up for an annual plan

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

FAQs About Cinch Home Services

What isn’t covered under Cinch Home Services?

Non-mechanical items in your home, such as the roof, windows, walls, and doors, are typically not covered under Cinch Home Services plans. 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 to Cinch in a year?

You can make unlimited service requests with Cinch Home Services 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. The company has 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 with Cinch Home Services online or by calling  the customer service team, which is available 24/7, at 844-324-5688.

Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs. 
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability. 
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician. 
    • Claims process
    • Guaranteed response time
    • Service flexibility

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

New Jersey Residents: The product being offered by the featured brand is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.