Cinch home warranty offers services for an extensive list of appliances and systems. There are three different plans to choose from that are affordable and if you select an annual payment, you can save up to $100. Cinch Home Services won a place on our list of best home warranty companies for its superior parts coverage. Although Cinch home warranty reviews show that the company could improve its customer service. Nonetheless, the fact that customers can get coverage on anything from their washer/dryer to their built-in whirlpool tub makes Cinch a company worth considering.
Cinch Overview
- Plan types: Appliances, Built-in Systems and Complete Home
- Pricing: $27.99 to $39.99 per month
- Service fees: $0, but all services require a deductible payment upfront
- Workmanship guarantee: 180 day guarantee
- Contract length: One year
- BBB rating (Letter): A-
- Home inspection required? No
- States served: All states except Alaska and Hawaii
| Plan | Appliances Guard | Built-in Systems | Complete Home |
| Monthly premiums | Starting at $27.99/mo* | Starting at $32.99/mo* | Starting at $39.99/mo* |
| Appliances covered | • Built-in kitchen appliances • Refrigerators • Clothes • Washer and Dryer | No appliances covered | • Built-in kitchen appliances • Refrigerators • Clothes • Washer and Dryer |
| Systems covered | No systems covered | • A/C and heating systems • Electrical systems • Interior gas and plumbing | • A/C and heating systems • Electrical systems • Interior gas and plumbing |
| Other coverages | N/A | N/A | • Homeowners insurance • Deductible • Reimbursement |
*Prices vary by location and coverage – sample data was taken from the online quote tool.
Who is this best for?
Cinch is a great home warranty company for homeowners that want to save money on coverage. Because the service limit is $10,000 for every plan, Cinch may not be the best option for people who have outdated appliances and systems that might need repairs more frequently.
Pros
- Pricing varies: Cinch’s plans aren’t the highest in the industry, and can be paid monthly or yearly. Customers can choose a deductible between $150-$500 depending on their budget and the state they live in.
- Extensive coverage options: Even at a low price, Cinch covers an extensive list of household appliances and systems.
- Service guarantee: The company honors a 180 day service guarantee on all repair work.
Cons
- Low coverage limit: Cinch will only cover up to $10,000 in repairs to your systems and appliances, which means you might not be able to fix everything you need to.
- Coverage doesn’t start immediately: After purchasing your plan, there’s a waiting period before you can request service.
The Competition
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*All information accurate as of 10/16/2020.
Cinch Compared to Choice Home Warranty
Both companies made it to our list of best home warranty companies. Generally speaking, Choice Home Warranty offers better coverage options because customers can customize their plan based on their needs. For example, Choice Home Warranty provides coverage for a second refrigerator, well pump, roof leak or pool, which aren’t offered by Cinch.
Looking at the price, it’s hard to compare the two. Both companies offer affordable plans, but Cinch charges customers differently based on their location. For Choice Home Warranty, it’s a flat fee regardless of the state. Choice Home Warranty runs a “first month free” deal when you purchase any new policy. However, they also charge an $85 service fee, which is expensive when you consider that Cinch doesn’t charge one at all. Lastly, Cinch has a better workmanship guarantee. The company offers a guarantee on both parts and labor for 180 days, whereas Choice Home Warranty only offers a 90-day guarantee for parts and 30 days for labor.
Further reading: Choice Home Warranty Full Review
Cinch Compared to American Home Shield
American Home Shield has a slight advantage because it’s available in 49 states, whereas Cinch is only in 48. Like Cinch, American Home Shield offers three plans—one that covers appliances, one for systems, and one for both. In addition, American Home Shield also has a build your own plan option for completely customized coverage.
When it comes to service fees, Cinch has a leg up because it doesn’t charge one unless additional labor is needed beyond basic services. American Home Shield charges a service fee based on the cost of the customer’s plan. Those with a more expensive plan pay less, and those with a cheaper plan pay more. The major drawback to American Home Shield is their service guarantee—it’s only 30 days, which is pretty low compared to other providers on the market. Cinch offers a 180-day service guarantee.
Further reading: American Home Shield Full Review
The Bottom Line
With affordable prices, no service fee, and a solid 180-day guarantee, Cinch is a tough contender in the home warranty industry. The company offers extensive coverage and various plans to cover what you need. Keep in mind that Cinch does have a $10,000 limit and does not have customizable coverage, so it’s best suited for people who don’t have old appliances or home systems that may require more frequent or extensive repairs. Even so we recommend comparing what the best home warranty companies have to offer.
About the Authors
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
