Cinch Home Services


Best for Preventative Maintenance

Monthly Cost:
Service Fee:
Response Time:
2–24 hrs
Coverage Limit:
BBB Rating:
47 states (ex. AK, CA, & HI)
180-day workmanship guarantee
Monthly plans started at around $30
24/7 customer service
Poor customer ratings
High service call fee

Cinch Home Services offers three plans to meet different coverage needs. With each plan, you can customize your per-service deductible to adjust your monthly premium. 

See the table below for coverages in the Complete Home, Built-in Systems, and Appliances Plans:

Cinch Home Services (CHS), which was founded in 1978 as Cross Country Home Services, is one of the longest-standing home warranty companies in the business. Today, Cinch Home Services has an impressive network of over 18,000 service technicians. 

Best Coverage Limits
American Home Shield Logo
Limited Time:
$150 off any plan
Our Top Pick
Best for Customization
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
Limited Time:
$50 Off + 1 month free!

Cinch Home Services offer home warranty packages that cover nearly all the appliances and systems in your home. When you choose a home warranty plan from Cinch, you’ll be paying a relatively low amount each month to protect yourself in case of an expensive home replacement or repair.

So, if you want to protect your house from expensive repairs and get the most out of your service plan, we recommend reading this review carefully and thoroughly.

Our Review of Cinch Home Services

We’ve compared Cinch Home Services against industry standards to help you understand if it fits your needs. This review will tell you about the company’s home warranty coverage, pricing, limits, terms and conditions, and, most importantly – customer reviews from the biggest consumer reporting sites.  

Here’s the bottom line: Cinch’s 40+ years of experience have kept customers coming back. Although the plans aren’t the cheapest, its transparency, simple and easy claim policy, and access to quality service representatives that customers can count on have created happy homeowners nationwide.

Best Home Warranty Companies of 2023

This review focuses on Cinch Home Services, but we also recommend a few other providers to our readers. Below are our latest preferred home warranty companies and their unique benefits:

Compare the Best Home Warranty Companies

Here’s a quick look at how Cinch Home Services compares to some of the best home warranty companies in the industry.

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink



12-48 hrs.


American Home Shield Logo



24-72 hrs





48 hours


choice home warranty logo



24-48 hrs.


select home warranty logo



24-48 hrs.


AFC Home Warranty logo



48 hours


first american logo



48 hours





2–24 hrs





2–24 hrs



Pros & Cons of Cinch Home Services

Now, we’ll over some of the high-level pros and cons of Cinch Home Servies. Keep these benefits and drawbacks in mind as you consider this company for your home warranty.

180-day workmanship guarantee: Cinch’s six-month workmanship guarantee is practically unheard-of; most companies offer 90-day guarantees.
24/7/365 customer support: Cinch offers 24/7 support to ensure customers get the help they need when they need it.
Solid BBB rating: Cinch has a B rating with the Better Business Bureau, which is relatively high for a home warranty company
Affordable monthly plans: Cinch’s plans start around $30 for some homeowners, making it one of the most affordable options available.
High service call fee: Cinch’s $100-$150 service fee is much higher than some of its competitors.
Cancellation fee: You have the standard 30 days to cancel the policy for free if you should change your mind about this coverage. But after that, the fee for cancellation is $25.
Poor customer ratings: Cinch customer service ratings on the BBB aren’t great. Cinch’s BBB ratings are 1.12 out of 5 stars, and it has received over 1,600 customer complaints.

Our Review Scores For Cinch Home Services

We reviewed and scored Cinch Home Services based on six home warranty-specific criteria and gave the company a total score out of 100. The chart below provides an overview of Cinch Home Services’ ratings, and we will dive deeper into each category in the following sections. 

What We Like and Don’t Like

Next, we’ll get into the nitty gritty of Cinch’s product offerings, reputation, and overall business structure. Understanding these factors is extremely important in choosing the right home warranty company for your needs.

What We Like

Cinch Home Service’s basic home warranty plans cover 12 home appliances and systems, including important items like refrigerators, ovens, washers and dryers, electrical systems, plumbing, and air conditioning. This coverage is on par with other home warranty companies. 

What We Don’t Like

With only three warranty plans and five optional add-ons available, Cinch Home Services offers a slightly more limited selection of coverage options than its competitors. Cinch also does not offer any coverage for uncommon items like electronics or specific services like roof leak repair. 

What We Like

Cinch Home Services offers some of the most affordable home warranty plans, starting at just $39.99 a month. In comparison, other top home warranty companies typically charge between $50 and $60 per month for similar packages. Cinch Home Services’ add-ons typically cost between $4.50 and $22 a month, which is about average for the industry. 

What We Don’t Like

Cinch Home Services charges a service fee between $100 and $150 when it sends a technician to your home to resolve a claim, which is more than what most of its competitors charge. The company also charges a $25 fee if you cancel your plan more than 30 days after your policy begins.

What We Like

We like that Cinch Home Services offers a 180-day workmanship guarantee, longer than the industry standard of just 60 days. You can also see how much your plan will cost before purchasing by putting in your ZIP code on the Cinch Home Services website. 

What We Don’t Like

During our research, our reviewer requested a quote from Cinch Home Services. Since that time, the company called and emailed a total of eight times. We considered this to be excessive, and thus Cinch Home Services lost points in this category. New policyholders must also wait for 30-days before they can file a claim for the first time. 

What We Like

Cinch Home Services has 45 years of experience, making it one of the longest-standing companies in the home warranty industry. The company also does not have any consumer rights violations or lawsuits against it, which is a positive. 

What We Don’t Like

Cinch Home Services has mediocre employee and customer reviews. The company has a 2.5-star rating on Google, a B rating with the Better Business Bureau (BBB) and a 3.4-star rating on Glassdoor. The customer reviews on the BBB website are dismal — the company has 1.13 stars on over 1,600 customer reviews.

What We Like

Cinch Home Services offers two ways to file a claim, whether online or over the phone. Its hotline is available 24 hours a day, seven days a week, 365 days a year, so you will always have help available in case of an emergency.

You’ll typically hear back from a company representative within two hours if you file a claim during business hours. If you submit a claim outside of business hours, you’ll still hear back within 24 hours.  

What We Don’t Like

Cinch Home Services has an abundance of reported issues from customers concerning backend support. Many customers felt like the company failed to cover repairs they believed should be covered, and others complained that technicians would leave without fully fixing their problem.

What We Like

Cinch Home Services is available in 47 states, only excluding Alaska, California, and Hawaii. Because the company covers nearly all of the U.S., it earned a perfect score in availability. 

What We Don’t Like

Although Cinch Home Services is available in 47 states, the quality and availability of service will vary depending on where you live. Request a quote on the Cinch Home Services website to see what options are available near you. Or, select one of our top-recommended providers below.

Compare Cinch Home Services to other top Home Warranty brands by reading our reviews below:

State Availability of Cinch Home Services

Wondering if Cinch is available in your area? The map below shows where the company does and doesn’t offer home warranty coverage.

Video Overview of Cinch Home Services

This video by Cinch provides you with an overview of the company’s benefits without being overly “salesy.” Watch it for a deeper look at what the company does and doesn’t offer.

Cinch Home Services Plans and Coverage Options

Cinch Home Services offers three different home warranty plans to choose from. The costs outlined in the chart below are the starting monthly cost for plans with a $150 service claim fee. However, you can lower your deductible to $100 or $125 and pay slightly more for your plan each month. 

Plan Starting Monthly Cost 
Complete Home Plan$49.99
Built-in Systems Plan $39.99
Appliances Plan$34.99 

Complete Home Plan: Cinch’s Complete Home Plan is the company’s most popular plan, offering coverage of nearly all appliances and home systems. This plan is a great option for anyone looking for broad, all-encompassing warranty coverage for their home.

Built-in Systems Plan: The Built-in Systems plan covers HVAC systems, electrical systems, interior gas and plumbing and more. This plan may be a good option if you need help with issues that require a specialized technician to resolve.

Appliances Plan: The Appliance Plan covers nearly all kitchen and laundry appliances. It’s also the cheapest plan, starting at around $34.99 a month. This may be a good option if rather than having new appliances, your appliances are getting old and may need a repair or replacement soon.

Home System or ApplianceComplete HomeBuilt-In SystemsAppliances
Heating and Cooling   
Air ConditionerX
Heating SystemX
Electrical Systems   
Built-in Exhaust, Vent & Attic FanX
Doorbell & ChimesX
Interior Electrical LinesX
Ceiling FanX
Garage Door OpenerX
Central VacuumsX
Smoke DetectorsX
Plumbing Systems & Accessories   
Water HeaterX
Sump PumpX
Interior Plumbing LinesX
Faucets & ValvesX
Whirlpool/ Jetted TubX
Kitchen Appliances   
Built-in Food CentersX
Freestanding Ice MakersX
Trash CompactorX
Built-in MicrowavesX
Garbage DisposalX
Instant Hot/Cold Water DispenserX
Laundry Appliances   
Clothes WashersX
Clothes DryersX
Homeowners Insurance Deductible ReimbursementXX
Air Conditioner or Water Filter Credit
Best for Preventative Maintenance


Limited Time:
2 Months Free On All Plans

What Optional Add-ons Does Cinch Home Services Offer?

In addition to your standard home warranty package, you can select optional add-ons for extended systems coverage. Add-ons provide optional coverage that adds flexibility and customization options to your home protection plan. Cinch Home Services add-ons are outlined below.

Add-onMonthly Cost 
Pool (heater included)$22
Spa (heater included)$22
Pool With Built-In Spa (heater included)$22
Septic Tank/Pumping $4.58
Well Pump$12.50
Premier Upgrade Package (includes permits, code upgrades, removal and disposal costs and more)$12.50
Note: Availability and costs may vary depending on where you live. 

Does Cinch Home Services Have Any Exclusions?

Nearly all home warranties have some exclusions. Some of Cinch’s general exclusions and limitations include: 

  • Routine maintenance 
  • Items covered under other insurances, warranties or guarantees
  • Commercial-grade appliances or systems 
  • Flues, venting, chimneys and exhaust lines 
  • Damage caused by remodeling or unauthorized repair 
  • Coverage below the slab or basement floor of your home 
  • Damage caused by abuse, misuse or neglect 
  • Damage caused by lightning strikes, power failure or power surges
  • Structural or property damage 
  • Accidents
  • Problems caused by mold or mildew 
  • Removal of hazardous materials 
  • Electric devices 

You can review the company’s full terms here. Keep in mind that exclusions and limitations may vary slightly depending on where you live and which plan you have. 

How to File a Claim With Cinch Home Services 

You can file a claim with Cinch Home Service using the steps listed below:

Best for Preventative Maintenance


Limited Time:
2 Months Free On All Plans

FAQs About Cinch Home Services

How can I cancel my Cinch Home warranty? 

You can receive a full refund if you cancel within 30 days of your contract start date. After that, you will be charged a $25 cancellation fee. To cancel your Cinch Home Warranty plan, you can call the customer service line at (844) 324-5688.

Does Cinch Home Services offer a service guarantee? 

Yes, Cinch Home Services offers a 180-day workmanship guarantee, longer than the industry standard of 60 days.

Does Cinch Home Services have 24/7 availability? 

Yes, you can call the Cinch Home Services customer service team to place a service request 24 hours a day, seven days a week, 365 days a year.

Is Cinch Home Services cheaper than other home warranty companies? 

Cinch Home Services has slightly lower monthly rates than comparable home warranty companies, but Cinch’s service fee is also slightly higher, with a deductible of $100 to $150 depending on your plan.

Does Cinch Home Services cover pre-existing conditions? 

Cinch Home Services covers unknown pre-existing conditions. So if a home system or appliance has a problem that you didn’t know about before purchasing your home warranty policy, Cinch will still cover a repair or replacement.

Does Cinch Home Services cover damage from rust? 

Yes, Cinch Home Services covers damage caused by rust and corrosion.

Where is Cinch Home Services headquartered? 

Cinch Home Services is headquartered in Boca Raton, Florida.

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.

How We Evaluated Cinch Home Services Against Our Review Criteria

To help consumers like you choose the best home warranty companies for your home, we dive deep into every top-rated home warranty company and rate them based on six factors. Once we research a company and have gathered all our data, we use the following scoring system to grade each home warranty company on a 100-point scale. We then convert the score to a 5-star rating. 

  • Plans + Coverage (24 Possible Points): Since every customer has different needs and a different budget, we award more points to providers that offer more plans and greater flexibility. Cinch Home Services did not earn full points in this category since it only offers three plans and five optional add-ons, slightly fewer than its competitors. 
  • Affordability (22.5 Possible Points): Affordability is an important factor because many homeowners choose home warranties to avoid high payments for home appliance repairs. We evaluate each company based on the cost of its plans and additional services, service call fees and cancellation terms. While Cinch Home Services offers reasonably priced plans, its service fee is higher than other competitors. It also charges a $25 cancellation fee if customers cancel more than 30 days after the start of their contract. 
  • Customer Experience (18.5 Possible Points): Your experience as a customer is important, including the support you receive when contacting your home warranty provider. We gauge overall support by looking at customer reviews, conducting homeowner surveys and analyzing the quotes process. Cinch Home Services offers a 180-day workmanship guarantee, but also has a 30-day waiting period for new policyholders. Cinch also called and emailed our reviewer eight times after requesting a quote, which we believe is excessive. 
  • Company Reputation (17.5 Possible Points):  A company’s reputation is a combination of reviews from customers and reputable organizations like the BBB. We also take into account the years of experience a company has, how satisfied its employees are and any past or pending lawsuits. Cinch Home Services does not have any lawsuits or customer rights violations, but poor online reviews lowered its overall rating in this category.
  • Claims Process (12.5 Possible Points): In this category, we look at the overall claims process, including how easy it is to file a claim and a company’s response time. Although Cinch Home Services has 24/7 availability and quick response times, some customers complained about a lack of communication and support when they needed a repair.
  • Availability (5 Possible Points): Availability refers to how many states and locations a company serves. Cinch Home Services is available in 47 U.S. states, so it earned a perfect score in this category.

Editorial Contributors
avatar for Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

Learn More

photo of Roxanne Downer

Roxanne Downer


Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

Learn More

Browse by State