Cinch Home Services Review
Cinch Home Services is the rebranded Cross Country Home Services and has over 40 years in the home warranty business. The company changed the name to reflect the hassle-free experience customers can expect. Cinch revamped its processes and added new technology to make home system and appliance repairs easier than ever.
Whether you own a new home or you’ve lived in the same one for years, Cinch Home Services’ goal is to make appliance and system repairs simple and more affordable. The company offers three home warranties, making it easier to budget for unexpected breakdowns around the house. Cinch is also rolling out a service to allow consumers without a warranty to schedule fast appliance repairs with one of their technicians and potentially get their entire repair for free when they upgrade to a full-year home protection plan. Technicians typically arrive within two days, and same-day service is available.
- 180-day workmanship guarantee
- Sample contract on website
- On-demand repair service for consumers without a home warranty
- Choice of deductibles
- Coverage caps on some items
Cinch Home Services Warranties
Cinch Home Services offers three repair contracts with several add-on options. The Appliances Plan covers washers, dryers and all major kitchen appliances. The Built-in Systems Plan includes your furnace, water heater, garbage disposal, plumbing, heating, cooling and built-in whirlpool tub. Buy the Complete Home Plan to get both coverages plus up to $500 reimbursement on your homeowners insurance deductible if you have to file a claim with your homeowners insurance.
Most repairs have a $2,000 cap. Sample contracts on the website reveal that Cinch provides good coverage levels with some exclusions. These exclusions are relatively standard and include things like exterior pipes and free-standing freezers. Each Cinch home warranty features four components not provided in one package offered by competitors:
- 180-day Workmanship Guarantee: If the repair doesn’t fix the problem, Cinch will ensure it gets corrected at no additional cost.
- Unknown Pre-existing Conditions Coverage: Some home warranties don’t cover repairs required due to unknown pre-existing failures before you purchased the property. Cinch Home Services does not make this exclusion.
- Rust and Corrosion Coverage: Often excluded from home warranties, Cinch pays for repairs required due to rusting and corrosion.
- New Appliance Discounts: Want to upgrade your appliances? Cinch will help you buy a replacement for less.
Cinch Home Services’ 180-day guarantee is exceptionally generous and covers both labor and parts. Customers can call 24/7 for assistance in filing a claim, or they can use the company’s online portal.
Cinch’s Online Customer Portal
Cinch Home Services provides a portal for customers to file a claim online and manage their home warranty plan. Cinch Home Services provides a mobile-friendly and secure online portal called “My Account” where you can easily file a claim and manage your warranty plan. Use this feature to download your plan documents, open a service request, see how existing orders are progressing and update contact and payment information. Cinch’s My Account services are available 24/7.
|Cinch Home Warranty Sample Monthly Costs
$100 / $125 / $150 Deductibles
|Location||Appliances Plan||Built-in Systems Plan||Complete Plan|
|Milwaukee, WI||$69.99 / $64.99 / $59.99||$76.99 / $70.99 / $64.99||$86.99 / $80.99 / $74.99|
|Beverly Hills, CA||$37.99 / $32.99 / $27.99||$44.99 / $38.99 / $32.99||$51.99 / $45.99 / $39.99|
|Oklahoma City, OK||$69.99 / $64.99 / $59.99||$76.99 / $70.99 / $64.99||$86.99 / $80.99 / $74.99|
|Baltimore, MD||$44.99 / $39.99 / $34.99||$51.99 / $45.99 / $39.99||$61.99 / $55.99 / $49.99|
Cinch Home Services Costs
Your cost for a Cinch home warranty depends on your location, the plan you purchase and if you add any options. Per-service deductibles are $100, $125 and $150. Choose a higher deductible to reduce the cost of the home warranty. For example, with a $150 deductible, the basic plan (Appliance Plan) costs range from around $28 to about $66 per month, and the Complete Home plan ranges from about $40 to $85 per month.
The optional monthly add-on service costs range from $2.50 for septic repairs to $13.33 for outdoor pool and/or spa (including heater) coverage. The Premier Upgrade Package is available for $10 per month. It helps pay for things like permits and code upgrades (up to $1,000, 2 claims per year) related to a covered repair.
With Cinch’s 180-day guarantee, you won’t have to pay the deductible again if the initial covered repair doesn’t fix the issue. The maximum annual coverage payout is $10,000.
How to Use Cinch Home Services On-Demand
Cinch’s on-demand service is available online for appliance repairs. Click on “No Plan? Find a Pro” at the top of the website to access the on-demand scheduler. Click on “Book Now” and provide:
- Your address and what you need to be fixed.
- How soon you need the issue resolved.
- Compare your options and select a company to service your appliance.
You pay a service fee online at the time you schedule service. The payment is applied to the total charge for the repair. Same-day service is available for a higher cost.
How to Buy a Cinch Home Services Warranty
You can use the quote tool on the Cinch Home Services website to buy a home warranty, or you can call the company. To get an online quote, enter your ZIP code and select a plan. Choose any options you want to include in the warranty, and then you can purchase the agreement or save it for later.
The quote tool provides prices for each plan and option so that you won’t be surprised by the cost at any point in the process. You will find the contract terms with each warranty and option to understand what repairs are covered. If you have any questions, call the number at the top of the quote tool.
Cinch Home Services Complaints
We found negative reviews for Cinch Home Services resulting from the company subcontracting with other home warranty companies like Sears. Identically worded poor reviews appear on multiple websites, indicating these reviews may not be genuine. Cinch Home Service also has hundreds of 5-star reviews that mention fast service and helpful customer service agents.
ConsumerAffairs readers give Cinch Home Services 4.25 out of 5 stars. The company scores 3.5 out of 5 stars on Trustpilot and gets an A- from the Better Business Bureau. The Balance likes how Cinch includes coverage for unknown pre-existing conditions.
Cinch Home Services Q&A
What if I change my mind about Cinch Home Services? Can I cancel my home warranty?
If you don’t file a claim within 30 days of the date coverage starts, Cinch Home Services will fully refund your contract fees. If you made a claim in those 30 days and want to cancel, you will receive a partial refund or will pay for the repair minus the refund amount.
Can I buy a Cinch Home Services warranty when I sell my house?
Offering a home warranty can help sell your property faster since the buyer won’t need to be concerned with breakdowns for a year. Cinch Home Services provides a seller plan for as low as $50 to cover heating and air conditioning. More substantial plans are available with a comprehensive selection of optional coverages.
Will Cinch Home Services issue a warranty package for a mobile home?
Cinch home warranties cover single-family houses, condominiums, townhouses, villas or manufactured homes with a permanent foundation. The company does not cover mobile homes.
What if I decide I want a home warranty while comparing Cinch on-demand quotes?
Cinch Home Services gives you the option of upgrading on-demand service to a Cinch Home Protection plan as you schedule service. If you decide a home warranty will likely save you money, you can take advantage of the savings right away.
How do I know what I’m buying online with a Cinch Home Services Warranty?
Cinch gives you access to the contracts for each of the three home warranties and the add-on services. We always recommend reading contract terms carefully so you can determine if a home warranty is worth the cost for you. Many people benefit from these repair contracts, but the arrangement isn’t ideal for everyone.
Cinch Home Services brings using a home warranty into the 21st century by integrating technology with generous home warranty terms. The company also offers an on-demand repair service for those who aren’t interested in buying a home warranty. Cinch Home Services provides all contract terms on their website and backs up claims with a 180-day workmanship guarantee.