Cinch Home Services offers straightforward plans for a wide range of home appliances and built-in systems. The lineup includes Appliances, Built-in Systems, and Complete Home, with pricing that varies by ZIP code and the service-fee level you select. Cinch Home Services won a place on our list of best home warranty companies for its long 180-day workmanship guarantee and broad parts coverage marketing. As with most providers, customer experiences can vary by market and contractor network; coverage can include items from washers/dryers to built-in jetted tubs depending on plan and contract terms.
Cinch Overview
- Plan types: Appliances, Built-in Systems and Complete Home
- Pricing: Varies by location, plan, and selected service fee
- Service fees: Multiple service-fee/deductible options; chosen amount affects your monthly price
- Workmanship guarantee: 180-day workmanship guarantee
- Contract length: One year
- BBB rating (Letter): See current BBB rating (ratings can change)
- Home inspection required? No
- States served: Most states; confirm availability during quote
| Plan | Appliances Guard | Built-in Systems | Complete Home |
| Monthly premiums | Varies by location and service-fee selection* | Varies by location and service-fee selection* | Varies by location and service-fee selection* |
| Appliances covered | • Built-in kitchen appliances • Refrigerators • Clothes washers • Dryers | No appliances covered | • Built-in kitchen appliances • Refrigerators • Clothes washers • Dryers |
| 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 • Coverage for rust and corrosion (per contract) • Coverage for certain unknown pre-existing conditions (subject to terms) |
*Prices vary by location, plan, and service-fee selection; use the online quote tool for a personalized quote.
Who is this best for?
Cinch is a great home warranty company for homeowners who value a longer workmanship guarantee and straightforward plan choices. Pricing and service fees are adjustable to fit your budget. Coverage caps and exclusions vary by item and by state, so if you have older or high-ticket systems, review sample contracts and limits before buying.
Pros
- Pricing varies: Cinch’s plans offer monthly or yearly payments, with multiple service-fee options that trade off against your monthly price.
- Extensive coverage options: Straightforward plan options cover a wide range of household appliances and systems.
- Service guarantee: 180-day workmanship guarantee on completed repairs arranged through Cinch.
Cons
- Coverage caps vary: Caps and exclusions apply and can vary by state and by item (e.g., HVAC, refrigerators); verify limits if you anticipate higher-cost repairs.
- Coverage doesn’t start immediately: After purchasing your plan, there’s typically a waiting period before you can request service.
The Competition
*All information accurate as of 2025.
Cinch Compared to Choice Home Warranty
Both companies made it to our list of best home warranty companies. Choice Home Warranty markets customizable add-ons in some states, while Cinch focuses on a simple three-plan lineup. In 2024, the FTC and Arizona Attorney General sued Choice Home Warranty alleging deceptive practices and claim denials; buyers should weigh this regulatory risk alongside pricing and options.
Looking at the price, it’s hard to compare the two. Both companies offer address-based pricing with multiple service-fee options that change the monthly premium. Choice Home Warranty often advertises promotions (e.g., a first month free) but typically charges a per-claim service fee. Cinch also uses a per-claim service fee selected at enrollment. Cinch’s workmanship guarantee is notably longer at 180 days, whereas Choice commonly offers shorter parts/labor windows; confirm current terms during your quote.
Further reading: Choice Home Warranty Full Review
Cinch Compared to American Home Shield
American Home Shield has broad national availability and remains the category’s scale leader. Like Cinch, it offers three primary plans—ShieldSilver (systems), ShieldGold (systems + appliances), and ShieldPlatinum (more comprehensive)—roughly comparable to Cinch’s Appliances, Built-in Systems, and Complete Home tiers.
When it comes to service fees, both companies use per-visit fees with multiple options that trade off against monthly price. American Home Shield offers several service-fee choices, and Cinch also lets customers select a service fee at enrollment. AHS’s workmanship guarantee is typically shorter than Cinch’s 180-day guarantee; confirm your local terms.
Further reading: American Home Shield Full Review
The Bottom Line
With competitive pricing, adjustable service-fee options, and a solid 180-day workmanship guarantee, Cinch is a strong contender in the home warranty industry. The company offers extensive coverage and straightforward plans to cover what you need. Keep in mind that coverage caps and exclusions vary by item and state and plans are not fully customizable, so it’s best to review sample contracts and limits before you enroll. Even so we recommend comparing what the best home warranty companies have to offer.
