Cinch Home Services Reviews & Coverage

Read our Cinch Home Services review and learn more about the company’s coverage plans, cost, and benefits, and decide if this provider is right for you.
By Home Service Research Team
November 20, 2020
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Cinch Home Services, formerly known as Cross Country Home Services, is one of the most popular home warranty companies in the industry. Cinch was featured in the 2018 edition of Inc. 5000’s fastest-growing companies list, and it now responds to over one million service requests every year. The company is available in 48 states, including all but Alaska and Hawaii. To get a free quote from Cinch Home Services, call 877-589-0505 or fill out this online form.

In this article, we discuss Cinch Home Services reviews and examine the company’s coverage plans, cost, claims process, and more. Continue reading to determine if Cinch is the best home warranty company for your home protection needs.

In this article:

  • Cinch Home Services Plans
  • Cinch Home Services Cost
  • Cinch Home Services Reviews
  • How to Submit a Claim
  • Verdict & Recommendation
  • Best Home Warranty Companies
  • Frequently Asked Questions About Cinch Home Services

Cinch Home Services Plans

Cinch Home Services offers three different coverage plans: a Built-in Systems plan, an Appliances plan, and a Complete Home plan. The Built-in Systems plan and Appliances plan only cover systems and appliances, respectively, while the Complete Home plan covers both appliances and systems. The specific items included in each Cinch plan are shown in the table below.

The Appliances Plan covers the following:

  • Clothes washers
  • Microwaves (built-in)
  • Cooktops
  • Clothes dryers
  • Food centers (built-in)
  • Freestanding ice makers
  • Dishwashers
  • Ranges
  • Range exhaust hoods
  • Refrigerators
  • Trash compactors (built-in)
  • Wall ovens

The Built-in Systems Plan covers the following:

  • 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)

Finally, the Complete Home Plan covers everything included in both plans above.

Note: Cinch Home Services doesn’t offer any optional coverage items, but it does cover items with unknown pre-existing conditions, which is relatively rare in the home warranty industry.

Cinch’s plans come with a number of benefits, including:

  • Rust and corrosion coverage: Your service request will not be denied because of rust or corrosion.
  • Discounts on new appliances: Cinch offers discounts on new appliances, such as refrigerators and ovens.
  • 180-day workmanship guarantee: If your home service issue persists after a Cinch technician visits your home, the company will cover additional repair visits for free for up to 180 days.

Cinch Home Services Cost

Based on the quotes our reviews team received, Cinch home warranty plans range between $34.99–$61.99 per month, depending on the service fee you select. The higher the service fee you select, the lower your monthly premium will be and vice versa.

Note: The specific cost of your plan may depend on the size of your home and where you live.

Appliances Plan

  • $100 Service Fee: $44.99 per month
  • $125 Service Fee: $39.99 per month
  • $150 Service Fee: $34.99 per month

Built-In Systems Plan

  • $100 Service Fee: $51.99 per month
  • $125 Service Fee: $45.99 per month
  • $150 Service Fee: $39.99 per month

Complete Home Plan

  • $100 Service Fee: $61.99 per month
  • $125 Service Fee: $55.99 per month
  • $150 Service Fee: $49.99 per month

Cinch Home Services Reviews

Cinch Home Services received an A- rating from the Better Business Bureau (BBB) and is accredited by the organization. Cinch Home Services reviews from customers are mixed—the company holds a two-star average rating on its BBB webpage and a three-star average rating on Trustpilot.

Generally, positive customer reviews emphasize the company’s friendly customer service team, while negative customer reviews mention occasional delays in service.

Here’s a sampling of Cinch Home Services reviews:

The representative was extremely helpful and very polite. She answered all of my questions and called back every time I asked her to. Great customer service. When I did have to put in a claim, it was very easy.” — Jesse via Trustpilot on August 6, 2020

I’m looking forward to cancelling my policy. It was a complete waste of time and money. It’s better to pay for the repairs out of pocket.” — Connell Lee via Trustpilot on August 6, 2020

I placed a claim, and the provider couldn't get to me due to the pandemic in a reasonable time frame while my state was going through a heat wave.” — Kyrie R. via BBB on August 4, 2020

Cinch provides its services on time and gives [a] six-month warranty on the services provided.” — Anonymous via Trustpilot on August 3, 2020

How to Submit a Claim

There are three ways customers can submit a claim with Cinch Home Services:

  1. You can call the customer service team 24 hours a day at 844-627-6003.
  2. You can use your Amazon Alexa Home Service Manager to file a claim.
  3. You can complete a claim online using your Cinch account.

Verdict & Recommendation

Cinch Home Services offers three solid coverage plans with significant benefits, including coverage of unknown pre-existing conditions, discounts on new appliances, and a 180-day workmanship guarantee. For these reasons, we think Cinch is a great option for most homeowners. Because Cinch doesn’t offer optional coverage, homeowners should make sure that the company’s plans cover all of the appliances and systems that they need protected.

You can get a free quote from Cinch by calling 877-589-0505 or by completing this form.

If you’re not sure whether Cinch Home Services is right for you, compare other top-rated home warranty companies below.

Best Home Warranty Companies

To help our readers find the right home warranty company, we analyzed a variety of providers on factors like coverage plans, customer reviews, and cost. Using this research, we compiled a list of the best home warranty companies.

As seen in the table below, American Home Shield, Choice Home Warranty, and Select Home Warranty earned the highest overall scores from our review team. We found that American Home Shield is the best overall provider, while Select is the best for people on a budget and Choice is the best for older homes.

Choice Home Warranty

  • Get a free quote: Call 929-400-6165 or complete this form
  • Our verdict: Best for Older Homes
  • Number of plans: 2
  • Monthly cost: $36.17–$43.85
  • Service fee: $60–$85
  • State availability: All but CA and OK
  • BBB rating: B-

Amazon Home Warranty

  • Get a free quote: Call 866-605-8194 or complete this form
  • Our verdict: Best Add-Ons
  • Number of plans: 3
  • Monthly cost: $42.00 to $52.00
  • Service fee: $75
  • State availability: All but CA, IA, ME, OK, and WA
  • BBB rating: Not rated

Select Home Warranty

  • Get a free quote: Call 888-370-3956 or complete this form
  • Our verdict: Best for Budget Shoppers
  • Number of plans: 3
  • Monthly cost: $35.83–$37.50
  • Service fee: $75
  • State availability: All but NV, NY, and WA
  • BBB rating: B-

American Home Shield

  • Get a free quote: Call 844-529-9298 or complete this form
  • Our verdict: Best Overall
  • Number of plans: 3
  • Monthly cost: $49.99–$59.99
  • Service fee: $75–$125
  • State availability: All but Alaska
  • BBB rating: B

Frequently Asked Questions About Cinch Home Services

Does Cinch Home Services have coverage limits on its plans?

Yes, Cinch Home Services has a maximum coverage limit for certain items. You can find these limits in the company’s terms and conditions.

What is not covered under a Cinch Home Services plan?

Like most home warranty companies, Cinch Home Services doesn’t cover non-mechanical items in your home, such as the doors, walls, windows, and roof. While Cinch covers unknown pre-existing conditions, it doesn’t cover items that were improperly installed or repaired.

Where can I read more Cinch Home Services reviews?

You can read more Cinch Home Services reviews on the company’s BBB profile or on its Trustpilot webpage.