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Home  /   Companies / Cinch Home Services
Updated on January 9, 2023

Cinch Home Services Review 2023

Disclaimer : We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.
 Cinch Home Services

Cinch Home Services

three_star 3
Customer Reviews127
Premium $27-$51
Service Fee$100-$150
Activation30 days
Cancellation Fee10%

Cinch Home Warranty is a fast-expanding home warranty company with 40+ years of experience in the business. Our Cinch Home Services review will take you through its coverage details, costs, customer service, and more. 

Our Verdict: Cinch Home Services is an industry veteran. It offers separate plans for appliances and systems and a comprehensive combination plan comprising both. 

The company also offers deductibles ranging from $100-$150 and a 24/7 hotline in case of assistance. We believe Cinch falls short in terms of limited add-on options, which it makes up for by offering affordable pricing.


  • Offers180-day workmanship guarantee
  • Provides free water sensor to detect leaks
  • Has a digital dashboard for customers


  • No choice of technician
  • Not all states covered

Cinch Home Services Plans

Cinch Home Services offers three home protection plans to customers- Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Take a look:

Appliances Plan

This plan covers 12 major home appliances.

  • Kitchen Appliances
  • Laundry Appliances

Complete Home Plan

This is a Cinch combo plan that covers everything from the other two plans plus some additional items.

  • Kitchen Appliances
  • Laundry Appliances
  • Heating and Cooling Systems
  • Electrical Systems
  • Interior Gas
  • Plumbing
  • Homeowners Insurance Deductible Reimbursement

Built-in Systems Plan

This is a systems plan that includes 16 home systems.

  • Heating and Cooling
  • Electrical
  • Interior Gas
  • Plumbing

How Much Does Cinch Home Services Cost?

The cost of Cinch Home Services plans generally varies depending on the amount of deductible or service fee you choose and your area of residence. Check out the table below for monthly premium pricing with the other deductible amounts in California, but remember that they may vary.

Deductible Appliances Plan Built-in Systems Plan Complete Home Plan
$100 $37.99 $44.99 $51.99
$125 $35.99 $38.99 $45.99
$150 $27.99 $32.99 $39.99

Additionally, the $500 Homeowners Insurance deductible reimbursement comes with the purchase of the Complete Home Plan.

Cinch Home Services Discounts

Cinch Home Services is currently offering discounts on purchasing new appliances from brands partnered with it.

Cinch Home Services Coverage

Take a look at this comprehensive list to understand Cinch Home Services’ coverage better:

Appliances Plan

  • Clothes Dryers 
  • 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 Conditioner or Water Filter Credit 
  • Water Sensor

Built-In Systems Plan

Air Conditioner or Water Filter Credit  Water Sensor +

  • Air Conditioning Including Ductwork 
  • Attic Fans 
  • Ceiling Fans 
  • Central Vacuums 
  • Doorbells 
  • Electrical System 
  • Garage Door Openers 
  • Garbage Disposals 
  • Heating System Including Ductwork 
  • Instant Hot/Cold Water Dispenser 
  • Plumbing System 
  • Smoke Detectors 
  • Sump Pump 
  • Toilets 
  • Water Heater 
  • Whirlpool/Jetted Tub (Built-in)

Complete Home Plan

  • Homeowners Insurance Deductible Reimbursement

Optional Coverage

You can purchase the following items as an optional coverage at these extra prices:

  • Pool (Heater Included)  $13.33
  • Spa (Heater Included)  $13.33
  • Pool with Spa (Heater Included)  $13.33
  • Septic Tank/Pumping  $2.50
  • Well Pump  $7.08
  • Premier Upgrade Package    $10.00

Cinch Home Services Exclusions

Your Cinch Home Services warranty contract has exclusions. It does not cover:

  • 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, 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.

Apart from that, Cinch has a limit on the aggregate claims liability, which is $10,000. Each home system or appliance has a coverage gap, and repairs and replacements will be paid up to that amount. 

For heating systems, the dollar payout limit is $1500, and for ACs, it is $1000. Cinch accepts a maximum liability of $2000 per item for kitchen appliance repair. 

NOTE: There may be other exclusions and limitations to your CHS contract. We recommend you read the sample contract thoroughly before purchasing the warranty.

How To Buy Home Warranty From Cinch Home Services?

You can purchase a Cinch Home Services warranty plan on its own or with our website. You can get an instant free quote from HomeWarrantyReviews and decide on your home warranty purchased by reading the fine print thoroughly.

Although, a homeowner must be aware of some factors influencing a purchase choice. Check those out in our post on how to buy a home warranty.

How Do I File A Claim With Cinch Home Services

Cinch Home Services has a straightforward process for filing service requests, as described below:

  • You can contact Cinch’s customer care team via the online service portal or call Cinch Home Services’ phone number (844) 324-5688.
  • 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 as mentioned in your service contract.

Cinch Home Services has 24/7 customer service and responds in 2-4 business days.

Cinch Home Services vs. Competition

Take a look at how Cinch Home Services compares against top-performing home warranty companies:

Cinch Home Services vs. American Home Shield

  • Cinch offers only coverage for systems & appliances that might appeal to homeowners looking for separate plans.
  • Both the companies are comparable in terms of experience.
  • Cinch Home Services takes up to four days to respond to a claim, whereas American Home Shield claims to provide services in 24 hours. 


American Home Shield (AHS)

four_star 4
Customer Reviews16725
Service Fee $75-$125
Activation 30 Days
Cancellation FeeN/A

Cinch Home Services vs. Choice Home Warranty

  • Cinch offers a 180-day workmanship guarantee, but Choice Home Warranty Services are limited to a 90-Day part & 30-day labor guarantee.
  • Cinch charges a higher service call fee than Choice Home Warranty.
  • Choice’s warranty plans are relatively more affordable.


Choice Home Warranty

threehalf_star 3.5
Customer Reviews9556
Service Fee$60-$85
LimitUpto $3K/item
Activation30 Days
Cancellation Fee$50

Cinch Home Services vs. First American Home Warranty

  • Cinch covers an unknown pre-existing mechanical failure that could not have been detected by visual inspection.
  • First American Home Warranty extends its services only to 35 states, whereas Cinch is available in 48 states.
  • FAHW provides more options on additional coverage when compared to Cinch.


First American Home Warranty

three_star 3
Customer Reviews2425
Service Fee$85
Activation30 day
Cancellation Fee$50

Cinch Home Services vs. Select Home Warranty

  • Select Home Warranty offers more discounts to its customers.
  • Select is a relatively newer company than Cinch.
  • Select provides free roof coverage with all its plans, whereas Cinch does not offer such services.


Select Home Warranty

four_star 4
Customer Reviews4541
Service Fee$60-$100
Activation30 Days
Cancellation Fee$75

Company Details

Cinch Home Services, formerly Cross Country Home Services, was founded in 1978 and later acquired TotalProtect Home Warranty, HMS National, and Fixed Repair. It is a Cross Country Group company registered as Cinch Home Services, Inc. and is currently under the leadership of CEO Steve Upshaw. Lastly, it is headquartered at 4700 Exchange Ct Suite 300, Boca Raton, FL 33431, United States.


At, we are dedicated to providing in-depth home warranty reviews so you can choose the best home warranty company & make the most out of it. We examine, compare, and analyze the companies on the following factors:

  • Cost-effective: We compare the costs of home warranty plans and determine if those are cost-effective. The pricing includes monthly/annual premiums, deductibles, and customer discounts. 
  • Coverage: We compare the plans offered by different home warranty companies. The coverage includes systems, appliances, and additional offerings.
  • Claims: We look at customer reviews and determine how satisfied they were with the claims filing procedure, settlement, and response times.
  • Transparency: We verify if the home warranty company is licensed within the appropriate industry and offer details on the CEOs, contractors, and several settled claims.
  • Uniqueness: We examine whether the company offers additional services, advantages, or coverage alternatives that set them apart from the competition.
  • Customer Engagement: We assess the determination of home warranty companies responding to consumer problems in our Complaint Resolution Program.
 Cinch Home Services

Cinch Home Services

three_star 3
Customer Reviews127
Premium $27-$51
Service Fee$100-$150
Activation30 days
Cancellation Fee10%

Cinch Home Services FAQs


Who Owns Cinch Home Services?


The Cross Country Group of companies owns Cinch Home Services. The current CEO is Steve Upshaw.


What Is Cinch’s Appliance Buyline Program?


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?


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?


Cinch Home Services does not cover roof leaks.


Does Cinch Cover Mobile Homes?


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?


You’re lucky because Cinch covers pre-existing conditions that are 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?


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?


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 you the refund. You only get back unearned fees if you have made claims, subject to a $25 admin fee.

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