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Cinch Home Services Review 2025
Cinch Home Services (CHS) showcases its expertise by successfully fulfilling a million requests nationwide. Our comprehensive review of Cinch Home Services uncovers the intricate details of the company, including the information on its coverage limits, plans, and costs.
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Cinch Home Services, based in Boca Raton, offers home warranties backed by 40+ years of industry experience. They stand out with a generous 180-day workmanship guarantee and a convenient digital dashboard for managing claims.
Choose from three plans covering appliances, systems, or both. Each comes with affordable deductibles ($100-$150) and 24/7 support. This Cinch Home Services review, informed by user ratings and our research, will help you with the following information in this article:
- Inclusions, exclusions, costs, and coverage
- Customer service and trustworthiness
- Claim process guide
Why Cinch Home Services?
Cinch Home Services is currently serving close to 1 million customers
The company has a digital dashboard accessible to homeowners 24/7 for claim filing
CHS offers a $25 credit that can be used towards an A/C unit or refrigerator filters
The company provides a 180-day workmanship guarantee to the homeowners
HomeWarrantyReviews.com
3.4/5 (138)
Trustpilot
3.3/5 (2,464)
Consumer Affairs
4.2/5 (516)
Explore Verified Consumer Reviews for Cinch Home Services
I recommend Cinch Home Services warranty company to everyone including family and friends. They handled our refrigerator problem promptly and completely with zero hassle for us. A good value for the money.
There were swift in their response when called. The agent was courteous and knowledgeable. The repair work done was apt and claim and settlement was done smoothly. I will recommend them anytime to friend or family members.
CALLED FOR REPAIR ON MY LARGE CAPACITY DRYER UNDER MY SEARS HOME WARRANTY. THE SERVICE TECH SAID THEY MIGHT HAVE TO REPLACE IT IF THE PARTS COULD NOT BE FOUND. A COUPLE WEEKS LATER THEY SENT ME AN E MAIL ADVISING OF THE REPLACEMENT OR PAYMENT SO I COULD REPLACE IT MYSELF. THEY WERE VERY COURTEOUS AND THE CUSTOMER SERVICE PERSON I SPOKE WITH WAS VERY KNOWLEDGEABLE. THIS WAS WELL WORTH THE COST OF THE WARRANTY.
I have used the my warranty for my washer, fridge and now my dishwasher and each time the cost as been minimal compared to direct contact with repair service. Communication is adequate yet I had to contact service to get information on the status of my repair. Over all happy with my warranty I have saved money and time.
For the fourth time in my 5 1/2 years of being a Cinch customer, I have had to use my warranty coverage for a repair. I can\'t stress enough how fast and easy they make the claim process go. This last claim for my hot water heater repair was accepted, processed, and the repair completed, inside of 24 hours. And the plumbing company they sent was top shelf, 5 Stars! My annual rate they charge is, to me , very fair, and no increase over those 5 1/2 yrs. Very, VERY satisfied with Cinch. Again, 5 Stars!!
The customer service agents are courteous and knowledgeable. They are professional. The repair people know a lot about the problems. The parts people can get the parts readily. This company is a big help. The ac supervisors need to think about replacement and not just to replace parts but to replace the system and not spending so much money on parts.
Pros & cons
Pros
- Offers 180-day workmanship guarantee
- Provides free water sensor to detect leaks
- Has a digital dashboard for customers
Cons
- Limited optional add-ons as compared to the competition
Enquire For Cost-effective home warranty plans
Protect Your Home Appliances And Systems Starting As Low As $1.5/Day
Plans & Coverage Of Cinch Home Services
Cinch Home Services offers three home protection plans to customers:
- Appliances Plan covers major home appliances
- Built-in Systems Plan includes home systems
- Complete Home Plan is a combo plan covering everything from the other two plans and additional items.
Let’s take a closer look at the Cinch Home Service plans:
| Items | Appliances Plan | Built-in Systems Plan | Complete Home Plan |
| Clothes Dryer | ✓ | ✓ | |
| Clothes Washers | ✓ | ✓ | |
| Cooktops | ✓ | ✓ | |
| Dishwashers | ✓ | ✓ | |
| Food Centers (Built-in) | ✓ | ✓ | |
| Freestanding Ice Makers | ✓ | ✓ | |
| Microwaves (Built-in) | ✓ | ✓ | |
| Ranges | ✓ | ✓ | |
| Range Exhaust Hoods | ✓ | ✓ | |
| Refrigerators | ✓ | ✓ | |
| Trash Compactors (Built-in) | ✓ | ✓ | |
| Wall Ovens | ✓ | ✓ | |
| Air Conditioning Including Ductwork | ✓ | ✓ | |
| Attic Fans | ✓ | ✓ | |
| Ceiling Fans | ✓ | ✓ | |
| Central Vacuum | ✓ | ✓ | |
| Doorbells | ✓ | ✓ | |
| Electrical System | ✓ | ✓ | |
| Garage Door Openers | ✓ | ✓ | |
| Garbage Disposals | ✓ | ✓ | |
| Heating System Including Ductwork | ✓ | ✓ | |
| Instant Hot/Cold Water Dispensers | ✓ | ✓ | |
| Plumbing System | ✓ | ✓ | |
| Smoke Detectors | ✓ | ✓ | |
| Sump Pumps | ✓ | ✓ | |
| Toilets | ✓ | ✓ | |
| Water Heaters | ✓ | ✓ | |
| Whirlpool/ Jetted Tub (Built-in) | ✓ | ✓ | |
| Homeowners Insurance Deductible Reimbursement- $500 | ✓ |
Optional Add-ons
Cinch offers the following items as add-ons at an extra cost –
- Pool (Heater Included)
- Spa (Heater Included)
- Pool with Spa (Heater Included)
- Septic Tank/Pumping
- Well Pump
- Premier Upgrade Package
Coverage Limitations & Exclusions
Cinch has a limit on the aggregate claims liability, which is $10,000. Each home system or appliance has a coverage cap, and repairs and replacements will be paid up to that amount.
Take a look at the table below for more information:
|
Items |
Limits |
|
Air Conditioning/Cooling System |
Up to $1,500 |
|
Kitchen Appliance Repair |
Up to $2,000 |
|
Septic Tank (Add-On) |
|
|
Heater For Swimming Pool And/Or Spa (Add-On) |
Up to $1,000 |
|
Outside Gas Line (Add-On) |
Up to $2,000 |
|
Outside Sewer Line (Add-On) |
Up to $3,000 |
|
Outside Water Line (Add-On) |
Up to $2,000 |
Apart from that, your Cinch warranty contract has exclusions. It does not cover the following:
- Flues, chimney, venting, and exhaust lines
- Damage caused by you by remodeling or any unauthorized repair
- Abuse, misuse, and neglect
- Lightning strikes, power failure, or surge
- Missing parts or equipment
- Damage due to pet, pest, fire, flood, earthquake, or Acts of God
- Remediation due to mold, mildew, fungus, bacteria, virus, wet & dry rot
- Conditions of excessive water pressure
- Removal of hazardous material or asbestos
NOTE: There may be other exclusions and limitations to your CHS contract. We recommend you read the sample contract thoroughly before purchasing the warranty.
Cinch Home Services Cost
The cost of the plans starts from $38 monthly and varies depending on the amount of deductible or service fee you choose.
The table below shows the cost structure of Cinch along with various deductible options:
|
Deductible |
Appliances |
Built-in Systems |
Complete Home |
|
$150 |
$38.99/Month |
$43.99/Month |
$54.99/Month |
|
$125 |
$47.32/Month |
$52.32/Month |
$63.32/Month |
|
$100 |
$48.99/Month |
$55.99/Month |
$66.99/Month |
*The above cost details are from Austin, Texas. Please note that the cost of the Cinch plans differs widely from state to state. Make sure to check the cost details for your location for accurate information.
Review Of Plans, Coverage & Customer Service Of Cinch Home Services
Cinch Home Services has received a rating of 3/5 on our platform from their existing customers. Also, the company has received accreditation of ‘B’ on BBB, making it one of the popular choices. Most positive reviews revolve around customer service and ease of filing a claim.
Review Of Cinch Home Services Plans & Coverage
- The Appliances Plan and Built-In Systems Plan could cover more items for their respective price points.
- With over 29 items in its catalog, the Complete Home Plan is among the most comprehensive options in the market.
- The Cinch Home Services’ coverage limits are quite lower than those of other prominent industry players.
Review Of Cinch Home Services’s Customer Services
- Some positive reviews highlight the promptness of Cinch Home Services and its easy claim process.
- The negative reviews are generally about service delays from the company’s side, incidents of no-shows from the technicians, and unsatisfactory services.
- The company needs to improve the technician’s services to offer better services to the customers.
- Even though CHS offers broad coverage, we recommend homeowners go through the company’s process and proceed further.
Cinch Home Services’ Claim Filing Procedure: Phone Number, Web Portal, & Online Form
Cinch Home Services has a straightforward process for filing service requests, as described below:
- You can contact CHS’s customer care team via their online service portal
- You can also dial Cinch Home Services’ phone number [(844) 324-5688] to file a claim through a phone call.
- Once the file is claimed, the customer representative will collect your residence and policy details.
- You can describe the issue you’re facing and schedule your service visit.
- A service technician will arrive at your home to diagnose the issue and suggest a possible fix.
- You must pay the deductible or service call fee mentioned in your service contract.
- Cinch Home Warranty customer Services operates 24/7 and aims to provide responses within 2-4 business days
Conclusion
As per our assessment, Cinch Home Services is suitable for people who need elaborative coverage. The simple-to-use dashboard is well-appreciated by the customers as it helps ease the claim process.
We do not recommend this company to homeowners who insist on getting their own technicians or those needing affordable plans. Also, we advise people to review the company’s policies to see if it meets their expectations.
Quick Details About The Company
| Founder |
Steve Upshaw |
| Year Of Establishment |
1978 |
| CEO |
Steve Upshaw |
| Address |
700 Exchange Court Suite 300, Boca Raton, FL 3343 |
| Type Of Company |
Private |
Why Should You Trust Us?
- All the information provided in this review is sourced directly from Cinch Home Service's official page and their sample contract.
- We carefully scrutinized Cinch Home Services' sample contract to refine and improve its descriptions.
- Our analysis assessed more than 4,110 customer reviews from diverse platforms to capture customer perspectives and concerns.
- This thorough review is the culmination of 29 hours of exhaustive research dedicated to comprehending every aspect of the company.
Frequently Asked Questions (FAQs)
Who Owns Cinch Home Services?
A.
The Cross Country Group of companies owns Cinch Home Services, Inc. The current CEO is Steve Upshaw
What Is Cinch’s Appliance Buyline Program?
A.
Cinch members gain access to this program that provides discounts on name-brand appliances. They can be availed when buying new gadgets.
How Does Cinch Warranty Work?
A.
After you buy the plan and get past the waiting period, you can file claims over a phone call or online whenever a covered item experiences a mechanical breakdown. The company decides whether a repair or replacement is needed and pays for it accordingly.
Does Cinch Home Warranty Cover Roof Leaks?
A.
Cinch Home Services does not cover roof leaks.
Does Cinch Cover Mobile Homes?
A.
Cinch Home Services explicitly states that they don’t cover mobile homes, only properties built on the land.
Will Cinch Home Warranty Cover Any Pre-Existing Conditions?
A.
You’re lucky because Cinch covers pre-existing conditions not detectable by a visual examination or a home inspection. Make sure to read the sample contract before buying any plan.
How Can I Choose Service Technicians?
A.
Cinch does not allow you to choose your technicians. Under certain circumstances, you can get a second opinion from an independent contractor. However, you’ll have to take their approval before proceeding with it.
How To Cancel Cinch Home Warranty?
A.
If you haven’t made any claims within 30 days of purchase, you can cancel your Cinch home warranty agreement for a full refund. After 30 days, you will get a 10% penalty credited if there is any delay in getting the refund. You only get back unearned fees if you have made claims, subject to a $25 admin fee.
Is It Worth It To Buy An Extended Home Warranty?
A.
Buying an extended home warranty is worth it, as it protects you against any expensive damage. However, check the pricing before choosing one for your home.
Does Cinch Home Services Offer Discounts?
A.
Cinch reimburses you up to $500 when you have to pay a deductible on a covered homeowners insurance claim.
Is Cinch Available Across the States?
A.
Cinch Home Services offers services in 48 states, excluding Alaska and Hawaii.
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