Cinch Home Services: Reviews, Plans, & Prices (2020)

By Jacob Saunders | Advertiser Disclosure

Previously known as Cross Country Home Services, Cinch Home Services has been around for 40 years, providing customers with comprehensive coverage on major home systems and appliances through three plan options. Known for their coverage on unknown pre-existing conditions, rust, and corrosion, Cinch goes above industry standards to offer customers extensive home protection plans.

In this House Method 2020 Cinch Home Services review, we discuss protection plans, pricing, and customer reviews to help you decide whether or not Cinch is the best home warranty provider for you and your home.

  • Better Business Bureau (BBB)-accredited business with rating of A-
  • Allows customers to choose between $100, $125, $150 service call fee
  • All plans are under $60.00 per month

Pros and cons of Cinch Home Services

Compare the advantages and disadvantages of Cinch Home Services below:

Pros Cons
Covers home repairs with an 180-day workmanship guarantee Charges high service fees between $100–$150, which is above the industry average of $75–$125
Provides customer service 24 hours a day, seven days a week, 365 days a year Doesn’t allow customers to choose their own service technician
Offers free cancellation within the first 30 days of contract start date Isn’t available in Hawaii and Alaska

Cinch Home Services plans, coverage, and cost

Cinch Home Services provides customers with the choice of three plan options: an Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Protection plans cost an average of $35–$50 a month, but the price of your coverage will vary depending on where you live and any optional coverage you select.

Appliances Plan: $35.00 per month ($420.00 per year). This plan covers 12 essential home appliances.

  • 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

Built-in Systems Plan: $40.00 per month ($480.00 per year). With this plan, you’ll receive coverage for 16 essential home systems.

  • Air conditioning
  • Attic fans
  • Ceiling fans
  • Central vacuums
  • Doorbells
  • Plumbing system
  • Electrical systems
  • Garage door openers
  • Garbage disposals
  • Heating system
  • Instant hot/cold water dispensers
  • Smoke detectors
  • Sump pumps
  • Toilets
  • Water heaters
  • Whirlpool/jetted tub (built-in)

Complete Home Plan: $50.00 per month ($600.00 per year). Under this combination plan, you’ll receive coverage on everything in the Appliances Plan and Built-in Systems Plan, in addition to a homeowners insurance deductible reimbursement of $500.

  • 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 conditioning
  • Attic fans
  • Ceiling fans
  • Central vacuums
  • Doorbells
  • Electrical systems
  • Garage door openers
  • Garbage disposals
  • Heating system
  • Instant hot/cold water dispensers
  • Plumbing system
  • Smoke detectors
  • Sump pumps
  • Toilets
  • Water heaters
  • Whirlpool/jetted tub (built-in)
  • $500 homeowners insurance deductible reimbursement

Optional coverage: If you want coverage on items like a pool or septic tank, you can add additional coverage to any plan for an extra cost.

  • Pool
  • Spa
  • Septic tank/plumbing
  • Well pump
  • Pool with spa
  • Premier Upgrade Package*

Note: Prices above reflect coverage with a $150 deductible. Customers have the choice of a $100, $125, or $150 service fee. If you select a lower service fee, your monthly premium will increase.

*Cinch Home Warranty offers a Premier Upgrade Package as an optional add-on, which provides up to $1000.00 toward non-covered charges on covered items. 

Price of Cinch vs. competitors

This graph represents the monthly premium customers would pay under Cinch Home Services’ most basic plan against what they would pay for competitor plans. Note: these prices do not include the service fee amount.

Coverage length

Coverage under Cinch Home Services begins on the effective date outlined in your contract and is good for 12 months. Renewing your home warranty plan is at the discretion of Cinch Home Warranty, who is required to notify you of intention to renew 30 days prior to contract expiration. Before renewal, Cinch will notify you of any coverage or price changes.

Coverage limits

In the sample contract on Cinch Home Warranty’s website, the provider explains that coverage doesn’t include routine maintenance, repairs or replacements covered by other insurance or manufacturer’s warranties, and damages incurred from causes other than normal wear and tear.

If a system or appliance has a pre-existing condition that couldn’t have been detected by a routine visual inspection or mechanical test, Cinch will cover it.

For covered items under your Cinch Home Warranty, the maximum amount of money this provider will cover is $10,000.00. Note: each appliance and system covered under your plan has its own coverage cap, usually between $1,000.00–$2,000.00.

Details for top systems and appliances

To find out the home warranty coverage that customers valued the most, our team at House Method surveyed 1,000 homeowners and asked them which home appliances and systems were most important to them.

The results showed that important home appliances consist of the refrigerator, oven/stove/range, and washer/dryer. The most important systems are the plumbing, electrical, and air conditioning.

Refrigerator

Cinch Home Warranty will cover up to two refrigerator units per contract. Cinch covers all components and parts, except mult-media centers built into the appliance.

Oven/range/stovetop

The oven/range/stovetop is covered under the Appliances Plan and Complete Home Plan. Cinch will cover the components and parts on up to two units.

Clothes washer and dryer

The components and parts of two washers and two dryers are covered under your Cinch Home Warranty. Keep in mind that cosmetic damages and damages caused by improper maintenance are not covered.

Electrical

All components and parts including Direct Current wiring, lighting fixtures, and built-in exhaust, vent, and attic fans are included in electrical coverage. Wiring or cable for audio, video, computer, intercom, alarm, and security is not covered.

Plumbing

Cinch Home Services has a long list of components and parts covered under plumbing protection. Some items covered under this protection include leaks and breaks in water lines, shower arms and valves, hose bibs, faucets, and shower heads. Stoppages caused by a damaged drain or a factor outside of the home’s foundation aren’t covered.

Air conditioning

Under Cinch Home Services coverage, almost all components and parts on up to two units are protected. Cinch doesn’t cover window units, water towers, or chillers.

See if your state is covered by Cinch Home Services

Cinch Home Services offers comprehensive coverage to the continental United States. If you live in Hawaii or Alaska, check out our state-specific reviews to find a home warranty that’s right for you:

Our take

Cinch Home Services offers three plans that provide comprehensive and affordable coverage to customers. Cinch also allows its customers to select their own service fee, giving them control over their monthly premium.

When an item breaks down, you want a company that’s going to be available at all times to help you navigate the repair process. Cinch understands this, offering customer service 24 hours a day, along with emergency services to dispatch service technicians to your home for more immediate needs.

Cinch Home Services’ most comprehensive plan covers over 25 items and gives customers the option of purchasing additional coverage for items like a well pump, pool, or spa. Cinch also allows policyholders to gain access to coverage for non-covered charges on items through their Premier Upgrade Package.

Cinch Home Services ratings

Plan options

5.0 / 5

Breadth of coverage

4 / 5

State availability

3.3 / 5

Cost

4.5 / 5

Trustworthiness

3.8 / 5

Customer service

3.3 / 5

Unique benefits

1.0 / 5

What others are saying

As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by Cinch customers. That’s where we come in. At House Method, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to read.

Below, we’ve included Cinch Home Services’ ratings compared to the industry average.

Summary of Customer Feedback

Reviewer Cinch Home Services Ratings Industry Average Ratings
Average # of Reviews Average Score Average # of Reviews Average Score
Yelp 50
1.0 375
1.2
BBB 387
1.9 956
2.0
Trustpilot 146
3.9 937
1.9

Cinch Home Services reviews

Cinch Home Services has earned an A- rating from the Better Business Bureau (BBB) and accrued over 300 BBB customer reviews.

Here are a few BBB reviews from Cinch customers:

So far, they have been easy to work and very responsive [and] quick. Our old warranty folks (had them for 3.5 years) were excellent. Recently got switched over to Cinch (old company bought out?) and was unsure but just made our first claim and it was hassle free.” — Bill N. on 2/18/2020”

Have had four different services covered and all were handled quickly, effortlessly, and courteously. I am really happy I opted to get home protection when I did.”— Barbara F. on 1/20/2020

Frequently asked questions about Cinch Home Services

How can I manage my Cinch plan?

When a covered item breaks down due to normal wear and tear, you can submit a claim over the phone or online 24 hours a day, seven days a week. Additionally, you can manage your plan directly through the My Account feature on Cinch’s website, where you can download plan documents, open a service request, and update your contact information.

Does Cinch have a workmanship guarantee?

Cinch has a workmanship guarantee of 180 days, so if a repair or replacement fails within that time period, it’s covered at no cost to you.

Is Cinch a new home warranty company?

No, Cinch Home Warranty, previously known as Cross Country Home Services (CCHS), changed its name to reflect their modern look and approach to home warranty coverage. If you had a home warranty plan with CCHS, your existing coverage is still intact and you can view your plan details on the Cinch website.

Final thoughts

House Method gives Cinch Home Services 3.7 out of 5 stars. Our review of the provider shows that they offer comprehensive coverage across most major appliances and built-in systems, allowing customers to choose their own service fee and providing 24/7 customer service. 

Cinch may a good choice for you if…

  • you want an established home warranty provider. Cinch Home Services has been in the industry for over 40 years, adjusting their coverage features and pricing to reflect industry standards.
  • you value customer service. With customer service that’s available 24 hours a day, you don’t have to worry about not being able to contact this provider.

Cinch might not be the best option for you if…

  • you prefer working with your own contractors. With Cinch, you can’t use your own service technician. Instead, Cinch provides a network of pre-screened service professionals to take care of your appliance or system repair.
  • you live in Hawaii or Alaska, as Cinch Home Services doesn’t cover these states.

Compare home warranties

Though Cinch Home Services is a top-rated home warranty company, there are other home warranty providers that offer more comprehensive coverage. Compare these home warranty companies below.

Current promotion
Plan options
Cost per month
Contract length

Current promotion

N/A

Plan options

3 + add-ons

Cost per month

$35–$50

Contract length

12 months

Current promotion

First month free

Plan options

2 + add-ons

Cost per month

$36–$44

Contract length

13 months (first month free)

Current promotion

Discounts on plans for multiple properties

Plan options

4 + add-ons

Cost per month

$50–$55

Contract length

12 months

Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.

Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.

For more details, check out our affiliate disclosure and rating methodology.

Company information

  • Company name: Cinch Home Services, Inc.
  • CEO: Chris Askew, COO
  • Years in business: 40
  • Telephone: 800-474-4047
  • Address: 4700 Exchange Ct, Suite 3
  • City/State: Boca Raton, FL
  • Zip code: 33431-4450
  • State availability: 48
  • BBB rating: A-

Every person and every home needs the plan that’s right for them. Check out some of our other expert reviews to get all the information you need to find the right home warranty for you. Remember, each of these companies gives a free quote.

 

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