Cinch Home Services Review

Cinch Home Services features three separate warranty plans for customers to choose from — namely, appliances, systems and combo.

Trade Service Fee
Average Monthly Cost
Add-on Coverage
3.4 / 5.0
SimpleScore Cinch Home Services 3.4
Average Monthly Cost 5
# of Extra Coverage 3
Support Channels 4
Trade Service Fees 1
Number of Pre-Made Plans 4

Cinch Home Services is a home warranty company based in Boca Raton, Florida, and has been operating since 1979. Cinch Home Services provides warranty solutions to homeowners who are looking for comprehensive coverage of their household systems and appliances. The company differentiates itself through its full transparency of coverage. Cinch Home Services also covers many items that aren’t covered by other home warranty companies, and it provides a 180-day workmanship guarantee in the event that any repairs or replacements fail.

Cinch Home Services Disclosure
  • Coverage for components and parts like knobs, doors and drawers
  • Easy-to-read plan documents so you know exactly what’s covered
  • A $25 credit to use toward filters for your A/C or fridge
  • A free water sensor to help detect leaks in your home
  • A digital dashboard you can use to request service 24/7 from anywhere

Cinch Home Services at a glance

Company Cinch Home Services
Service fee$23–$150
Recall period180 days
Additional coverage
  • Pool
  • Spa
  • Pool with spa
  • Septic tank/pumping
  • Well pump
  • Premier upgrade
States available48

Cinch Home Services’ home warranty plans

Appliances plan

Much like it sounds, Cinch Home Services’s Appliances Plan is designed to cover homeowners who are facing costly repairs and replacements on a variety of their household items. The plan starts at $27.99 a month and coverage includes range exhaust hoods, microwaves, washer, dryers, refrigerators and more. Warranty holders also have the opportunity to elect for optional coverage for pools and spas. However, prices vary based on your zip code and the type of home warranty plan.

Built-In Systems Plan

For customers looking for more comprehensive coverage on critical household systems like plumbing lines, air conditioning and heating systems, Cinch Home Services’s Built-In System Plan is a perfect solution. While prices vary based on your zip code and the type of home warranty plan, it starts at $32.99 a month, the Systems Plan includes rust and corrosion coverage as well as pre-existing condition coverage on sump pumps, toilets, water heaters, central vacuums, interior electrical systems and plumbing systems.

Complete Home Plan

For customers looking for both comprehensive coverage on their household appliances and their utility systems, Cinch Home Services’s Complete Home Plan covers all of it. For one affordable monthly payment, homeowners can rest easy knowing that they have broad, dependable coverage on nearly everything they own. The cost of the Combo plan is $39.99 a month, but prices vary based on your zip code and the type of home warranty plan.

What we like about Cinch Home Services

One thing that Cinch Home Services Home Warranty prides itself on is its transparency when helping homeowners understand their warranty coverage options. There are many home warranty solutions on the market, each with its own pros and cons. However, many competitors are somewhat vague when outlining the extent of their warranty coverage and creating a claim with these services can be a long, drawn-out process. Cinch Home Services is different and makes the plan selection and claim process easy and effective. Cinch Home Services lists all appliances and systems covered through their warranty plans right on their website and even includes specific covered parts.

Another benefit is that Cinch Home Services makes its claims process quick and easy, and customers can even file claims online while being assisted with 24/7 customer support. The company is also very responsive to customer reviews and the overall customer experience, which is a great quality to have in warranty service.

Things to consider

While you do get what you pay for when choosing one of Cinch Home Services’ three warranty plans, they are a relatively expensive choice when compared with other warranty service companies. Another downside to Cinch Home Services is that you can’t customize your coverage. This can be a major downside for some homeowners who already have warranty coverage on several of their appliances or systems. What you see is what you get, so if you need more flexibility in the type of appliances or systems that are covered in your warranty plan, you may be better off looking into different home warranty service providers.

How Cinch Home Services compares with the competition

Cinch Home Services vs. Home Service Club

Home Service Club is another premium home warranty provider with similar coverage options and pricing. Home Service Club has over 15,000 pre-screened contractors it works worth and requires no home inspection before the purchase of coverage. While Home Service Club does offer a bit more flexibility when it comes to getting stand-alone coverage on certain appliances and systems, Cinch Home Services is still more generous when looking at spending caps for repair costs.

Cinch Home Services vs. Choice Home Warranty

Choice Home Warranty is another top warranty provider for homeowners needing additional coverage on their appliances and systems. Choice Home Warranty’s plan costs are slightly more affordable than Cinch Home Services, and the first month’s premium is waived once you sign your contract. One issue with Choice Home Warranty, however, is that they have low liability caps on expensive systems like plumbing and electrical. Cinch Home Services is hard to beat in this area, so if you’re looking at Choice Home Warranty as a long-term solution, it would be wise to review their claim submission process and inquire on the limitations of their coverage.

Cinch Home Services vs. American Home Shield

American Home Shield is by far one of Cinch Home Services’ top competitors when considering total coverage options, customer service and flexibility. However, there are some things to consider when choosing between the two solutions. While not a significant consideration to everyone, Cinch Home Services is registered with the BBB with an A- rating, while American Home Shield maintains a B rating. American Home Shield does fall short, however, when considering its workmanship guarantee. Cinch Home Services has a 180-day guarantee, while American Home Shield is limited to 60 days. This large gap may be a deciding factor for homeowners who live in older homes or have aging appliances that may be in need of repair soon.

We welcome your feedback on this article and would love to hear about your experience with the home warranties we recommend. Contact us at with comments or questions.



The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

For every review, our editorial team:

  • Identifies five measurable aspects to compare across each brand
  • Determines the rating criteria for each aspect score
  • Averages the five aspect scores to produce a single SimpleScore

Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best home warranty companies of 2020.

Why do some brands have different SimpleScores on different pages?

To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

However, it’s also possible for brands to have multiple SimpleScores. For example, when we apply our methodology to Chase’s stock trading product, it scores a 3.6 out of 5. On the other hand, when we compare Chase checking accounts, it scores a 4.4 out of 5. this is because we each criterion for every category is different to account for different industry standards and product offerings.

Questions about our methodology?

Email Hayley Armstrong at

Average monthly cost

Many home warranty companies advertise a range of monthly costs for their home warranty plans. We took the average of these costs and assigned SimpleScore aspects based on the amount.

Add-on coverages

Home warranty usually just covers kitchen appliances and HVAC systems. However, homes have so much more than that. We gave higher scores to home warranty companies that offer a variety of add-ons to home warranty coverages, such as pool, washer/dryer, guest houses and more.

Customer support

When it’s time to file a home warranty claim or homeowners have questions, how can they contact support? The SimpleScore rewards home warranty companies with more channels of customer support.

Trade service fee

Much like a deductible, a trade service fee is the fee homeowners pay for each service call. The lower the service fee, the higher the score that the brand gets. If the trade service fee was a range or differed among plans, we took an average of the fees advertised.

Number of pre-made plans

Sometimes it’s just easier to pick a package and get your home warranty coverage started. That’s why we awarded companies with more premade plans higher scores.