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Cinch Home Warranty Review 2021 - Everything You Want To Know


  • 180-day repair guarantee
  • 24/7/365 customer service
  • Free first month for a yearly plan


  • High service fees
  • Limited coverage availability

Average Rating: 5

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Whether it’s your brand spanking new fridge or the AC you’ve had for years – they will all break down one day. You need to make sure you have a decent home warranty policy so that your items are well taken care of.

You are lucky enough that we showed up on your radar Because today we will be reviewing one of our veterans in the home warranty coverage business. Welcome, Cinch Home Warranty.

Before this article progresses any further, let us give you a tour of what all is on today’s list when it comes to Cinch Home Warranty reviews.


  • Cinch Home Warranty Bio
  • Cinch Home Warranty Awards and Recognition
  • Pros and Cons
  • Stand out features/services
  • Cinch Home Warranty Breakdown
  • Cinch Home Warranty Pricing and Plans
  • Cinch Home Warranty Details
    • Coverage
    • Claims – Submitting a service request
    • Limitations
    • Customer service
  • Cinch Home Warranty Reputation and Rating
  • Cinch Home Warranty Customer Reviews
  • Cinch Home Warranty Alternatives/Competitors
    • Cinch Home Warranty vs. Choice Home Warranty
    • Cinch Home Warranty vs. Select Home Warranty
  • The Wrap Up
  • FAQs

Cinch Home Warranty Bio

Cinch Home Warranty – a home warranty veteran that’s been on the market for over 40 years. The company was started in 1978, with its headquarters in Boca Raton, Florida, the USA.

Let us cut to the chase.

Why do people keep choosing Cinch as their home warranty?

Cinch offers a good variety of affordable plans, as well as excellent 24/7/365 customer service. Moreover, their industry experience is reflected in their professionalism, fast service, and valuable additional perks such as covering rust and corrosion damage, which isn’t typical for other home warranty services.

Cinch Home Warranty Awards and Recognitions

40+ years, that’s quite a time frame for a company of this range not to have anything to say. And Cinch has much to say.

In fact, why not focus on the most recent of the many awards in its long and professional existence — the 16th Stevie® Awards.

In this particular highly-reputable organization, the 16th annual Stevie® Awards, Cinch Home Warranty didn’t win one, but SIXTEEN awards! Or, to be more precise, that is four gold, five silver, and seven bronze.

Instead of numbering all, we took the liberty to choose just four, as follows:

  • Business Development Professional of the Year (Gold)
  • Web Service Solution – New Version (Gold)
  • Most Valuable Response by a Sales Team (Silver)
  • Customer Service Team of the Year 2021 – Recovery Situation (Bronze)

As you can see, honor, innovation, excellence, and assistance are their middle name.

Pros and Cons

As many awards as they have, we’re sure you are interested in knowing their strengths and weaknesses, as do we.


  • 180-day repair guarantee
  • Affordable prices
  • 24/7/365 customer service
  • Free first month for a yearly plan (in some states)


  • Limited coverage availability
  • High service fees

Stand out features/services

  • 180-day repair guarantee

This is one of the guarantees with the most extended validity time in this industry – it’s even three times longer than what some competitors offer.

  • You can submit or check on a claim through Amazon Alexa.

The future is here. This is maybe Cinch’s most unique feature because this is not the case with other home warranty companies where only the standard options are available (phone, e-mail, website).

  • Covers unknown pre-existing conditions, as well as rust and corrosion damage.

These are great perks that aren’t covered by many home insurance services.

  • Free first month

Cinch Home Warranty often has this offer on the table. When you purchase a yearly plan, the first month is free of charge.

Please note that this doesn’t apply to add-ons and items with optional coverage. It also may not be available in all states.

Cinch Home Warranty Breakdown

Feature/Benefit Details
States Served 48 (except Hawaii and Alaska)
Annual Cost $480-$1.082 (depends on your ZIP code)
Service Fees $100-$150
Wait period to start coverage 30 days
Deductible $100-$150
Repair Facilities Yes
Turnaround Claim process time 2-24 hours
Repair guarantee Yes (180-day workmanship guarantee)
Customer Service availability 24/7 all year long
BBB accreditation Yes
Renewal policy Automatic (no fee)
Cancellation Policy Thirty days notice
Cancellation Fee Yes ($25)
A home inspection or Maintenance records required No

Cinch Home Warranty Pricing and Plans

Let’s kick things off with some Cinch Home Warranty coverage details.

Cinch Home Warranty offers three plans—which is more or less the standard for a home warranty service.

The plans are:

  • Appliances Warranty Plan (starting at $27.99 per month)
  • Built-In Systems Warranty Plan (starting at $32.99 per month)
  • Complete Home Warranty Plan (starting at $39.99 per month)

Please be aware that these prices may vary for each state. Contact Cinch Home Warranty to get a free quote, or call them at (877) 355-4944.

What do the mentioned above plans cover?

Following their names:

  • the Appliances Plan covers your appliance breakdowns,
  • the Built-In Systems Plan covers systems, including HVAC systems,
  • and the Complete Home Plan is a perfect combo of the previous two, covering all items from both plans.

A great Cinch Home Warranty advantage is that you can either pay monthly or purchase a plan for the whole year. They often have deals and discounts for the yearly plans, such as getting the first month for free.

Here are the plans and everything they cover or don’t cover:




In addition to this, here are the exclusions/limitations and add-ons too:

Exclusions/Limitations / / /
Add-ons/Additional coverage
  • Swimming pool and/or spa (with shared equipment)
  • Septic system
  • Well pump
  • Premium package (offers additional benefits to an existing plan)
  • Swimming pool and/or spa (with shared equipment)
  • Septic system
  • Well pump
  • Premium package (offers additional benefits to an existing plan)
  • Swimming pool and/or spa (with shared equipment)
  • Septic system
  • Well pump
  • Premium package (offers additional benefits to an existing plan)
Maintenance Requirements / / /
Pricing starting at $27.99 per month starting at $32.99 per month starting at $39.99 per month

When it comes down to their service fee/deductible, you should know there are three price ranges you can choose from— $100, $125, and $150 (which is on the higher end compared to other companies).

As far as cancellation goes, you are free to cancel your Cinch Home Warranty plan. Contact a customer service representative at any time and get the job done in no time. However, there are special rules for the refunding process, but one thing is for sure – you will pay a $25 cancellation fee.

Cinch Home Warranty Details

  • Coverage

Cinch Home Warranty is available in 48 states. The only exclusions are Alaska and Hawaii (as mentioned already).

After you choose and purchase a plan, your coverage period starts after 30 days.

As with all home warranty services, they cover typical wear and tear damage of your items and all parts subject to it: knobs, handles, switches, or motors.

Cinch Home Warranty also covers any pre-existing issues you weren’t aware of. To make things even better, they also cover rust and corrosion damage, which is extremely rare with these services.

If only the basic plans aren’t enough for you, you can add some optional items, such as:

  • Swimming pool and spa (with shared equipment)
  • Septic system
  • Well pump
  • Premium package (offers additional benefits to an existing plan)

You can choose to add any of these optional items, but one thing you can’t choose with Cinch Home Warranty – your service technician. However, the company boasts with their team of no less than 45.000 experienced technicians, so you don’t have to worry about that.

  • Claims – Submitting a service request

An item has broken down, and you need to submit a home warranty service request so that someone can take care of it.

First, you need to contact customer service as soon as you notice the problem. You can do this by filling out a form on their website. Or, you can give them a call at (844) 438-9233. Though, there’s another option; you can also contact them through Amazon Alexa.

After you submit your claim, Cinch promises that a referral will be made to a contractor within 2 hours if you contacted them during working hours or within 24 hours if you contacted them outside regular business hours.

  • Limitations

According to Cinch’s website, not included in your protection plan are “other non-mechanical items in your home.” These include roofs, windows, walls, and doors.

Other issues this warranty doesn’t cover are mold or water damage.

You may also have trouble with your home warranty coverage if an item was installed improperly.

  • Customer Service

Cinch Home Warranty offers 24/7 all year long customer service. This means that you can contact them anytime, literally.

To contact customer service, submit a contact form on their website or call this number: (844) 438-9233.

Cinch Home Warranty Reputation and Ratings

  • BBB (Better Business Bureau): the BBB accredited Cinch Home Warranty, and they give it a grade of A-, which is something to be proud of.

However, what we want to know is what the Cinch Home Warranty BBB reviews have to say.

The average score out of 862 customer reviews is 1.42/5 stars. You would think this is not very reassuring, but this is actually a typical score for a home warranty service on BBB.

Once a company fails to reach your expectation or isn’t according to your taste, what do you do?

You go and complain about the most reputable site for the majority of future or existing customers to read your complaints, and we all know how high the BBB ranks.

On the other hand, the satisfied customers are quieter and not as inclined to write a review to praise the company.

  • Trustpilot: Cinch Home Warranty customer reviews on Trustpilot are more optimistic. It currently holds a score of 3.6/5 stars. This is the average score out of 1.228 customer reviews.

Their opinions are strongly divided between 1 and 5 stars. 52% of the reviewers have Cinch 5 stars and described it as “excellent,” while 33% described it as “bad” and gave it a one-star review.

  • ConsumerAffairs: Whereas, ConsumerAffairs awarded Cinch Home Warranty with a high-top 4.2 /5 stars. And this is a rating based on 1.147 verified customer reviews.

As we said already, customers’ opinions from various states stand divided between highly satisfied and dissatisfied customers. However, there’s still a significant portion right in the middle of things, not extremely satisfied nor disappointed.

And since we’ve touched on this part of the matter, let’s see what their customers have to say or complain about.

Cinch Home Warranty Customer Reviews

Let’s start by reviewing some of the more positive customer reviews.

Positive Customer Reviews




(The customer reviews are taken from verified rating websites.)

Negative Customer Reviews




(The customer reviews are taken from verified rating websites.)

See, the same services, same warranty company, and yet different opinions on it. This is why it is said that you won’t be sure if you don’t give something a try.

Cinch Home Warranty Alternatives/Competitors

For this section, we decided to compare Cinch Home Warranty against two of its competitors. With no further delay, let see their similarities and differences in plans, pricing, service, and guarantees.

  • Cinch Home Warranty vs. Choice Home Warranty

    • Plans
      Cinch offers three plans compared to Choice’s two plan options.
    • Price
      Cinch, and Choice Home Warranty’s prices are similar, with Chinch’s prices being slightly lower.
    • Service and Guarantee
      Both services include 24/7/365 customer service. Cinch Home Warranty has a more extensive guarantee (180 days). In contrast, Choice’s guarantee can be either 30 or 90 days. However, Choice can boast a lower service fee ($85) than Cinch’s $100-$150.
  • Cinch Home Warranty vs. Select Home Warranty

    • Plans
      Both services have three plan options – one for appliances, one for home systems, and one that covers both.
    • Price
      Select Home Warranty’s prices are slightly higher, ranging from $52-$55 per month. This is opposed to Cinch Home Warranty’s $27.99 – $39.99 (starting prices).
    • Service and Guarantee
      Again, Cinch loses in the service fee category, as Select’s service fees range from $60 – $75. Both services offer 24/7/365 customer service. Cinch Home Warranty’s guarantee period is two times longer than Select’s 90-day guarantee.

The Wrap Up

It seems that their long industry experience has given Cinch Home Warranty excellent insights into what makes a home warranty service great, and they’ve implemented that into their service.

If you are looking for a service on the market for a long time, has affordable prices, 24/7 all-year-long customer service, excellent coverage, and offers some additional perks such as rust and corrosion coverage, we highly recommend Cinch Home Warranty.

That’s a wrap on our addition to the Cinch Home Warranty reviews. We hope you found it helpful and that your warranty service company search ends right here.


1. Does Cinch Home Warranty require a home inspection?

No, they don’t. You can purchase a Cinch Home Warranty plan without doing a prior home inspection.

2. Are there any repair limitations with Cinch Home Warranty?

Yes, there are. Cinch Home Warranty has a limit of $10,000 per contract term (this goes for all contracts). Whereas the appliance cap is no less than two thousand dollars. As per the heating and cooling system, the cap is no more than $1.500

3. How do I cancel the Cinch Home Warranty?

You can cancel your plan anytime by calling their customer service. You will be refunded accordingly, but you still have to pay a $25 cancellation fee.

Keep track of your 30-day period if you are convinced that Cinch Home Warranty isn’t the right warranty company for you.