Homeowner content is free. We may earn a commission when you click links through our site. Advertiser Disclosure

Cinch Home Services provides select home warranty coverage to homeowners who want additional protection for their appliances and systems that homeowners insurance doesn’t cover. As one of the best home warranty company options in the industry, Cinch Home Services offers 24/7 service requests and affordable plans to fit virtually any budget.

Get A FREE Home Warranty Quote Now

Homeowners insurance is required when you have a mortgage. However, some parts of your home aren’t covered under traditional homeowners insurance plans, like repairs for air conditioning or a broken-down appliance.

In these cases, a home warranty can provide some financial protection to repair or replace commonly used items in your home, like a refrigerator, laundry machine, or water heater. A Cinch home warranty can give you the coverage you need at an affordable monthly price and low service fee.

Cinch Home Services: 2024 Review

Cinch Home Services is one of the best home warranty companies, with proven experience in helping homeowners keep their homes in functional shape. The company currently has a B rating with the Better Business Bureau and numerous positive reviews from customers across the United States.

Our Cinch Home Services review covers important details about the company that you should know if you’re searching for the best home warranty plan for your home.


  • Super affordable coverage options
  • Offers deductible reimbursements on homeowners insurance for select plans
  • Customizable monthly payments
  • 180-day workmanship guarantee


  • Not available in Hawaii or Alaska
  • No roof leak protection add-on
  • Pricier service fees than other companies

Quick Facts

Locations Served: 48 states (excludes Alaska and Hawaii)

BBB Rating: B |  Accredited? Yes

Service Fee: $85-$150

Company Overview

Cinch Home Services has over 40 years in the home warranty industry. The company partners with subcontractors and expert technicians across the United States to offer fast and helpful service to homeowners needing unmatched service to repair or replace appliances and home systems.

You might know Cinch Home Services by its former name, Cross Country Home Services. Cinch Home Services is a child company of the Cross Country Group, which manages various companies like Financial Recovery Technologies and Agero. CEO Steve Upshaw is an experienced business leader focused on customer service and engagement.

Top competitors of Cinch Home Services include:

The company is committed to the communities it serves, partnering with nonprofits like the Orange Bowl Committee and Homes for Our Troops. To support these and other organizations, Cinch Home Services hosts fundraisers, sends donations, and offers employee charitable gift matching.


Cinch Home Services provides home warranty coverage to homeowners across the United States, except for Hawaii and Alaska. The company’s pricing may vary depending on where you live. To learn more about the price of a complete home plan, systems plan, or appliance plan with Cinch Home Services, you can request a quote.

Plans & Coverage

Cinch Home Services has three home warranty plans for homeowners, with costs varying by the type of plan and location.

The first plan is the Cinch Home Appliance Coverage. This plan covers repairs and replacements for dishwashers, refrigerators, washers, dryers, built-in microwaves, ovens, and more. This type of Cinch home warranty plan is helpful for homeowners who may have older appliances that are past their limited warranties.

The next Cinch warranty plan is called the Built-In Systems Coverage plan. Built-in systems include your plumbing, electrical, and heating systems and parts and equipment related to those systems. For example, furnaces, heat pumps, doorbells, ceiling fans, and garbage disposals can all be covered under this plan. Cinch home warranty will repair or replace covered items for homeowners subscribing to a Built-In Systems Coverage plan.

🏡 The Complete Home plan provides extensive coverage by combining appliance and system protection.

The third coverage option is a premium plan called the Complete Home Coverage plan, which offers more comprehensive coverage. This home protection plan blends coverage for appliances and built-in systems to offer the most extensive home warranty coverage. This plan may be best suited for homeowners of older homes who want more financial protection in the event of home system problems.

$27.99/moStarting at $32.99/mo$39.99/mo
AppliancesBuilt-in SystemsComplete Home
Clothes Dryers
Clothes Washers
Food Centers (Built-in)
Freestanding Ice Makers
Microwaves (Built-in)
Range Exhaust Hoods
Trash Compactors (Built-in)
Wall Ovens
Air Conditioning Including Ductwork
Attic Fans
Ceiling Fans
Central Vacuums
Electrical System
Garage Door Openers
Garbage Disposals
Heating System Including Ductwork
Instant Hot/Cold Water Dispenser
Plumbing System
Smoke Detectors
Sump Pump
Water Heater
Whirlpool/Jetted Tub (Built-in)
Air Conditioner or Water Filter Credit
$50 Green Reward
Homeowners Insurance Deductible Reimbursement

Optional Upgrades

Like many other home warranty companies, Cinch Home Services lets customers choose from a few additional options to ensure that their plans cover the services they need. These upgrades are helpful for homeowners who may want to save money by choosing the appliances-only or built-in systems plans but still want additional protection for other items that aren’t included in those plans.

Optional Addons include:

  • Swimming Pool and/or Spa Combination (Shared Equipment)
  • Salt Water Swimming Pool and/or Spa Combination (Shared Equipment)
  • Free Standing Freezer
  • Septic System
  • Well Pump
  • Premier Upgrade Package
  • Water Softener
  • Outside Gas Line
  • Outside Sewer
  • Outside Water Line

With Cinch Home Services, customers can add additional services, like pool and heater coverage, spa and heater coverage, septic tank coverage, and well pump services. There’s also a combined plan for a pool with a spa that also covers heating components. The Premier Upgrade Package adds warranty coverage for permit or code violations, removal costs, code upgrades, and other potential problems that aren’t typically covered in a home protection plan.

🏊 Optional addons like pool/spa coverage and septic system services provide further customization.

When requesting a quote from Cinch Home Services, you can toggle these options on or off to determine whether they, when included with your base plan, fit into your budget.

How Much Does Cinch Home Services Cost?

The cost for Cinch Home Services varies by location, as home warranty coverage may be more expensive in some areas than in others. Generally, the plans start at $27.99 per month for the appliances-only coverage and move up to $39.99 for a complete home protection plan. If you add optional coverage to your home warranty plan, you’ll pay extra based on the fee for that upgrade. Upgrades range from $4.58 per month for septic tank coverage to $22 per month for spa, pool, or combined spa and pool coverage.

Changing your deductible can lower or raise your monthly payment for Cinch Home Services warranty coverage. The company allows deductibles between $100 and $150, with lower deductibles decreasing the amount you’ll pay when you request service for a covered item in your home warranty. However, these lower deductibles will also raise your monthly payment. For example, a Complete Home Plan may cost some homeowners $39.99 per month with a $150 deductible. Lower the deductible to $100, and the price goes up to $51.99 per month.

Homeowners can choose to pay for their plan monthly or annually. However, there is no plan discount when you pay for your annual plan in full. Cinch Home Services offers credit or debit card payments and bank account payments.

💲 Plans start at $27.99/month, making Cinch Home Services an affordable choice for homeowners.

Note that Cinch Home Services auto-renews accounts if they aren’t canceled before the 12-month renewal term.

Request a quote to see the Cinch Home Services cost for plans and add-ons in your area.

How To Sign Up for Cinch Home Services

Homeowners can request a quote from Cinch Home Services to first decide if its home warranty pricing matches what they’d like to pay. Walk through each step to choose a plan and add-ons, if desired, and customize your deductible. After receiving a quote, you can sign up right away by submitting your address and payment information.

Alternatively, you can contact the Cinch Home Services customer support team by calling (855) 614-1304. Speaking to a representative by phone may help you determine the best home warranty plan for you and allow you to get any questions you might still have about a Cinch warranty plan before signing up.

How To Request Warranty Service

Cinch Home Services makes the process of requesting service simple with its online request form. To use it, log into your online account with your email address and password. Then, use the guided form to provide more details.

Cinch Home Services will verify that the part or system is covered under your plan and find someone in your area who can help you. Choose the appointment time and date that works for you from the available options. Then, pay your deductible and submit the form.

If you’d prefer to have someone help you request service by phone, you can call the Cinch Home Services customer service team at (844) 438-9233. A representative will ask you a few questions about the service you’re requesting and will set up an appointment for you.

🖥️ Online service request forms and 24/7 customer support streamline the process of filing claims and getting repairs.

How To Cancel Cinch Home Services

Cinch Home Services requires homeowners to sign a contract for their warranty plan. The contract lasts for 12 months, offering a layer of protection to both you and Cinch Home Services that your coverage will continue unless you cancel. Still, you can cancel your policy if you decide that the company or your warranty plan isn’t right for you.

Cinch Home Services allows cancellation within 30 days of signing up for a full refund of your policy costs. However, if you made a claim within those 30 days, you’ll be charged $25 for canceling plus the costs of any services the company covered within those 30 days under your plan. To begin the cancellation process, call Cinch Home Services customer support at (844) 324-5688.

Cinch Home Services Contact Information

Cinch Home Services has a few different ways for prospective or current customers to get in contact. First, if you’re interested in speaking with someone to get a quote, call the customer service team at (844) 984-1499. If you have questions about your plan or want to request a service covered under your warranty plan, call (844) 324-5688.

Current customers can also log into their online accounts to request a service. Alternatively, use the online customer service form to ask general questions or get support from Cinch Home Services.

Is Cinch Home Services Right for Me?

After reading our Cinch Home Services review, you might wonder, “Is a home warranty worth it?” or “Is Cinch Home Services the right company for me?” Home warranty coverage may not be necessary for all homeowners, but it can offer some financial protection for parts of your home that homeowners insurance typically doesn’t protect.

The best place to start is with a free quote from Cinch. Use the online quote tool or call Cinch Home Services customer service to get specific pricing for each plan in your area.

👉 Many other companies like First Premier Home Warranty and Choice Home Warranty also offer free quotes, allowing you to compare pricing, features, and benefits of various companies.

After getting a quote, decide on the plan you’d be most interested in buying and compare its coverage to similar plans from other companies. Some home warranty companies offer more coverage on their base plans than others, for example, but may charge the same price. Also, use the online pricing calculators to determine how changing your deductible could affect your monthly payment.

Cinch Home Services lets you choose between coverage for appliances or built-in home systems. Or, you can opt for the combined plan that covers both for the most comprehensive protection. With qualified Cinch Home Services partners working as your contractors and convenient online claim requests, the company offers a lot of benefits for homeowners who want to bridge gaps in their homeowners insurance coverage.