Cinch Home Services Review for 2024

With Cinch Home Services (formerly TotalProtect Home Warranty, HMS National, and Cross Country Home Services), deciding what type of coverage you want for your home is simple. Cinch is a home warranty company that offers clear, detailed plans that cover your home appliances, home systems, or both. With various valuable add-ons and optional coverage, you’ll have the ability to purchase the specific type of home warranty that you need and want.


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Cinch Home Services Warranty Plans

Cinch Home Services’ home warranty plans are simple to understand, and they break your home down into different systems. They offer three plans: Appliances, Built-in Systems, and Complete Home.

If you’re concerned about the appliances in your home, you can choose the Appliances Plan, which offers comprehensive coverage for your major appliances.

The Built-in Systems Plan focuses on the systems that power your home, like your electrical and plumbing systems. Or, opt for the Complete Home Plan, which covers both your appliances and your home’s systems.

No matter which home warranty plan you choose, you’ll enjoy unknown pre-existing conditions coverage, which will cover unknown pre-existing mechanical failures. In addition, these plans all include rust and corrosion coverage of mechanical components and parts that fail.

Unless your contract specifies, these plans do not have a yearly limit or annual aggregate cap on the expense of repairing or replacing items covered under your home warranty. However, certain items may be subject to certain dollar amount limits.

Cinch Home Services offers a free first month of service when you choose monthly billing on a new plan. (This offer isn’t available in all states.) The following prices reflect quotes for the state of Florida.

Appliances Plan (Starting at $27.99 per month)

This plan focuses on coverage for most of the major appliances in your home. It excludes coverage for systems like electrical and plumbing, but you can choose the Systems Plan or the Combo Plan for more extensive coverage.

This plan includes coverage for:

  • Refrigerator with built-in ice and water dispenser
  • Cooktop/range
  • Wall oven
  • Range exhaust hood
  • Built-in microwave
  • Built-in trash compactor
  • Built-in dishwasher
  • Clothes washer
  • Clothes dryer

Built-in Systems Plan (Starting at $32.99 per month)

This plan focuses on the major home systems at work in your home, like plumbing, electrical, heating, and cooling. It excludes the appliances covered under the appliances plan.

This plan includes coverage for:

  • Garbage disposal
  • Air conditioning – 2 units
  • Heating system – 2 units
  • Water heater
  • Toilets
  • Plumbing lines
  • Plumbing stoppages
  • Sump pump
  • Whirlpool bath
  • Attic/whole house exhaust fan
  • Central vacuum
  • Door bells and chimes
  • Garage door opener
  • Smoke detectors
  • Main breaker/fuse panel box
  • Interior electrical lines
  • Interior gas line

Complete Home Plan (Starting at $33.99 per month)

If you want complete coverage, the Complete Home Plan is probably the right option for you. This plan combines everything covered under the Appliances and Systems Plans. So all of your major appliances plus the systems that power your home will be covered.

Optional Coverage

Cinch Home Services offers fewer individual add-on options than other companies, but its unique add-on plans provide coverage that you won’t necessarily find with other home warranty providers. For example, Cinch’s Surge Protection Plan starts at just $3.95 per month and has no deductible.

If lightning or a power surge damages your appliances, you can get your appliances fixed or replaced, send in a receipt for $100 or more, and get reimbursed up to the limit of the plan that you’ve chosen.

The Home Helper program provides a suite of additional coverage and protection for your home:

  • Surge protection coverage up to $500 per year
  • Electrical protection coverage up to $1,000 per year
  • $250 to use toward restaurants, movie tickets, and online purchases
  • $25 credit for an air conditioner or fridge filter
  • 24/7 access to a network of 18,000 pre-screened service technicians
  • Discounts on name brand appliances
  • Maintenance tips to keep your home running smoothly

You can also choose to add on coverage for spas, pools, septic tanks, and well pumps. However, you can only add this coverage within 30 days of enrolling in a warranty plan.

Cinch Home Services Special Features

When you view your available plans and pricing, you’ll have your choice of three different deductible levels: $100, $125, and $150. These deductibles reflect how much you would pay for the service call fee to repair something covered under your home warranty.

By choosing a higher deductible, you’ll enjoy a lower monthly payment. The reverse is also true. If you want lower service fees, you’ll have a higher monthly payment. This option gives you the ability to decide just which payment option you’re most comfortable with.

Cinch Home Services doesn’t require any inspections before signing up for your coverage. The home warranty company maintains a database of 40,000 pre-screened technicians to ensure that you receive prompt and quality service. All work is backed by a 180-day workmanship guarantee.

How to Get a Quote from Cinch Home Services

You can get a free quote from Cinch online or by calling 866-212-6473. Unlike many other home warranty providers, Cinch’s online form takes just seconds to complete.

The form only requires that you enter your zip code, and there’s no need to provide contact information to see your local rates and coverage options. You can even view sample terms for each contract so you have a detailed understanding of each policy.

The online quote system also gives you the option to save your quote for later by entering your name and email address. It’s an efficient system, and Cinch Home Services is transparent about the plan costs.

Cinch Home Services Reviews

One of the most appreciated aspects of Cinch Home Services, as highlighted in many positive reviews, is their comprehensive coverage. Customers have praised the company for offering a variety of plans that cater to different budgets and needs, ensuring that homeowners can find a suitable option. Furthermore, Cinch’s coverage extends to a broad range of home systems and appliances, giving homeowners peace of mind.

Another key strength of Cinch Home Services mentioned in positive reviews is their responsive customer service. Many clients have reported that the company’s representatives are friendly, knowledgeable, and quick to resolve any issues that may arise. This responsiveness is especially important when dealing with time-sensitive matters like home repairs, as it helps to minimize the inconvenience experienced by homeowners.

However, Cinch Home Services has not been immune to negative feedback. Some customers have expressed dissatisfaction with the company’s claim processing times, stating that they have experienced delays in getting their issues resolved. Such delays could be due to various factors, such as the availability of service providers or the complexity of the issue at hand.

Cinch Home Services has an A- Better Business Bureau rating and has been in business for 40 years. Cinch’s BBB customer review rating is just 2 out of 5 stars. However, based on the BBB rating, Cinch’s customer service is responsive to and concerned about addressing customer concerns.

Is Cinch Home Services Right for You?

Cinch Home Warranty offers many benefits, including straightforward home warranty plans. Its Surge Protection Plan is a valuable yet affordable add-on, and the Home Helper program offers value that may be an ideal fit for new homeowners. With the ability to select only appliance coverage, you can purchase a home warranty that covers the specific elements that are most important to you.

Cinch Home Services offers competitively priced home warranties and coverage options. With its straightforward pricing structure and the ability to choose the deductible that works best for your budget, these home warranties are suitable for many homeowners.

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