Cinch Home Services Review

Our Opinion

Cinch Home Services offers timely repairs and maintenance to its clients, which has helped the company to earn a B+ rating by the BBB. Their plans cover more of what people require, such as handles, rust, and drawers. 

The company offers an extended workmanship guarantee of 180 days and has a faster response time than its competitors. It also offers a more transparent and upfront service fee than the competitors. However, they should work on simplifying the pricing structure.

Cinch Home Services Cost

The home warranty plans of Cinch start at $34.99 for the Appliances plan, while the price of Built-in systems starts from $39.99 per month. On the other hand, the Complete Home plan is the priciest of all the plans, starting at $49.99 every month. 

As a homeowner, you can decide between three service fees – $75, $100, or $150 to be paid every visit. Your premium will depend on what you select from the plan. 

The plans are on the higher side, but you can choose to utilize its version of ‘pay what you want.’

Note: The ‘pay-what-you-want’ feature allows you to select the appliances and built-in systems you want to include in your home warranty plan and pay a premium accordingly.

For your reference, here’s how much the Cinch Home Services plan costs in Durham, North Carolina.

If you are a real estate pro, the total cost of the plan will vary depending on the type of your property and the chosen deductible or service call fee. For Seller and Buyer’s plans, there are two options for deductible, $75 and $175. However, if you choose Cinch Preferred Plan, the service fee would be $175.

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Discounts and Offers

Cinch Home Services might waive the first two months’ payment for specific home plans. The company also provides discounts to homeowners requiring new appliances. It is currently offering $50 Off on Cinch Preferred Plan.

Cinch Home Services Plans & Coverage

Cinch Home Services provides three primary warranty plans: appliance plan, home systems plan, and complete home plan. 

• Appliances: The appliance plan is more affordable than other plans as it includes several costly home appliances such as dishwashers, clothes dryers, and clothes washers.
• Built-in Systems: The built-in systems plan includes non-appliance components. Notable inclusions include smoke detectors, plumbing, and HVAC systems.
• Complete Home: The Complete Home plan includes Appliance and Built-in Systems plans and a few more benefits. It also covers the sump pump and water sensor. Homeowners covered under this plan can receive up to $500 homeowners deductible reimbursement.
• Premier Upgrade: Cinch’s Premium upgrade package can be added to any home warranty plan to include services that your plan may not cover. Few such services include electrical and plumbing modifications, reclamation of refrigerant, and condenser pads.

Real Estate Plans

Under real estate coverage Cinch offers the following plans:

• Seller: This plan covers a combination of systems and appliances plus locksmith services. It also provides central heating & A/C (two units) as an optional service which costs extra $75.
• Buyer: This includes everything from the Seller’s coverage plus a few optional add-ons.
• Cinch Preferred Plan: The preferred plan covers everything listed under both Seller and Buyer plans.

Take a look this table to know homeowners’ coverage in detail:

Here are the covered parts of the following items:

Air Conditioning: Accessible ductwork from the air conditioning unit to the point of attachment at registers/grills; air handler; blower fan motors; capacitors; compressors; condensers; condenser fan motors etc. 

Plumbing: Mechanical parts and components: garbage disposal; interior hose bibs; point of service water system/instant; pressure regulating devices; shower and tub valves; toilet tanks etc.

Septic: This plan includes one sewage ejector pump’s mechanical parts and components (located within the main foundation perimeter). The clearing of stoppages within the connecting waste line ( which leads from the house to the primary septic tank) is identifiable as normal wear and tear and can be accessed through an existing cleanout without excavation.

Pool: Mechanical parts and components include: air pumps; blower motor; filters (freestanding housing body, laterals, pressure gauges, backflush valves); gaskets; impellers; internal spa pack heater; internal switches; primary circulator pump and motor; and relays.

Make sure to read the terms & conditions and sample contract before investing in the Cinch Home Warranty.

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Add- Ons

Cinch Home Services Coverage Limits

Cinch Home Services’ aggregate claims liability is $10,000. Every home appliance and the system has a coverage cap; repairs and replacement will only get covered up to the stated amount in case of a breakdown. The dollar payout limit for heating systems is $1500, and ACs are $1000. They have a maximum liability of $2000 per item for kitchen appliances. 

Plan Exclusions 

Cinch Home Services doesn’t cover items if the arising damage is due to:

Quality of Cinch Customer Service

Cinch Home Services has mixed reviews of both happy and unhappy customers and has closed thousands of complaints in the past years. The company has a straightforward process for scheduling service appointments and offers 24/7 customer service.

Cinch Claims Filing Process

It offers a simple process to file claims. You’ll need to follow these steps during the filing process:

• Contact its customer care team via the service portal or call them at (844) 324-5688.
• They will ask and note down your residence and policy details. 
• Describe the exact issue you face, and a service visit will be scheduled.
• You will be charged an upfront service fee, which will be adjusted with the deductible later.