- Offers 3 plans under $62 per month
- Allows customers to choose between a $100, $125, or $150 service call fee
- Covers repairs with a 180-day workmanship guarantee
- Lets customers cancel for free within 30 days of their contract start day
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 2021 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.
Compare the advantages and disadvantages of Cinch Home Services below:
|Covers home repairs with a 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 provides customers with the choice of three plan options: an Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Protection plans start $28–$40 a month, but the price of your coverage will vary depending on where you live and any optional coverage you select.
Appliances Plan: Starting at $27.99 per month ($335.88 per year + first two months free when you choose annual payment). This plan covers 12 essential home appliances.
Built-in Systems Plan: Starting at $32.99 per month ($395.88 per year + first two months free when you choose annual payment), With this plan, you’ll receive coverage for 16 essential home systems.
Complete Home Plan: Starting at $39.99 per month ($479.88 per year + first two months free when you choose annual payment). 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.
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 helps cover the cost (up to $1,000 per claim) when there are charges that are not normally covered under a home protection plan such as permits and code upgrades.
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 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 the intention to renew 30 days prior to contract expiration. Before renewal, Cinch will notify you of any coverage or price changes.
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.
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.
Cinch Home Warranty will cover up to two refrigerator units per contract. Cinch covers all components and parts, except multi-media centers built into the appliance.
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.
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.
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.
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.
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.
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:
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.
5.0 / 5
Breadth of coverage
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3.5 / 5
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.
|Reviewer||Cinch Home Services Ratings||Industry Average Ratings|
|Average # of Reviews||Average Score||Average # of Reviews||Average Score|
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
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.
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.
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.
House Method gives Cinch Home Services 4.4 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 be a good choice for you if…
Cinch might not be the best option for you if…
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.
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.