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Home warranty in Florida

A home warranty in Florida may help protect against costly system and appliance failures that result from everyday wear and tear. 

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Joy of Ormond Beach, FL

"...has been positive"

Maria of North Port, FL

"...clear answers to my queries"

Jacob of Naples, FL

"I was pleasantly surprised"

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Average TX home age

33 years

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Average TX home maintenance costs

$1,326 per month

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Average TX home warranty cost

$60 in average & $52 per month with Cinch

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Average home age in Florida

34 years
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Average home
maintenance costs in Florida

$1,414 per month
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Average home warranty cost in Florida

$46 per month

Find the right plan for you

You're just a few clicks away from protection for the unexpected! Choose the coverage you need for your home, and rest easy knowing you'll have a partner to back you up if a covered item breaks.

Cinch
Repair Only

Covers repairs to 37 essential home appliances and systems you rely on every day.

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  • Heating & air conditioning systems
  • Electrical & plumbing systems 
  • Kitchen & laundry appliances
  • Up to $1,000 per covered repair
  • 2 units per appliance covered
  • $10,000 total limit per agreement term

Learn more ➞

Cinch
Repair + Replace

For just dollars more per month, this plan goes beyond repairs with coverage for replacements, too.

Get a quote
  • Heating & air conditioning systems 
  • Electrical & plumbing systems  
  • Kitchen & laundry appliances
  • Up to $2,000 per covered appliance
  • 2 units per appliance covered
  • $500 homeowners insurance deductible reimbursement1
  • $10,000 total limit per agreement term

Learn more ➞

Most popular
Cinch
Repair + Replace Premier

From your refrigerator to your outside water line, to electrical permits and more — this plan gives you the most coverage and control.

Get a quote
  • Heating & air conditioning systems  
  • Electrical & plumbing systems  
  • Kitchen & laundry appliances
  • Up to $2,000 per covered appliance
  • 2 units per appliance covered
  • $500 homeowners insurance deductible reimbursement1
  • Outside water, sewer and gas lines
  • Additional $2,000 for expenses like electrical permits, equipment disposal and more2 
  • $10,000 total limit per agreement term

Learn more ➞

More about our plans

TAKE THE UNCERTAINTY OUT OF HOMEOWNERSHIP

Enter your zip to start your home warranty quote!

We use your zip code to ensure that your property is within our coverage area and to generate an approximate quote for our services.

By clicking the below "See pricing" button, you agree that Cinch Home Services or California Cinch Home Services may contact you at the phone number and email address provided, including via automated technology and artificial or pre-recorded voice, about Cinch products, offers, and your relationship and experience with Cinch. This consent is not required to make a purchase.
Not sure yet? Give us a call: (866) 408-0024
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5 Star

Millions of homeowners have chosen us since 1978!

Find the perfect home warranty plan that puts you in control of your home.

 

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Common home repairs in Florida

Florida may be known as the Sunshine State, but unexpected repairs can cause some doom and gloom. Constant use of air conditioning systems makes them one of the most common repair items, as humidity and salt air accelerate wear and tear on motors, coils and electrical components.

Plumbing problems such as leaks or drain clogs also occur frequently because moisture encourages corrosion and breakdown of pipes. Additionally, electrical systems may need service from time to time, with issues ranging from outdated wiring to outlets that stop functioning after long hours of use. Moreover, kitchen and laundry appliances — including refrigerators, dishwashers, washers and dryers — often require maintenance or part replacements as their workloads increase in busy households. While homeowners insurance typically covers damage from storms and wind events, it does not cover failures from normal wear and tear. That is where having a home warranty can help, offering financial assistance with repairs on commonly affected systems and appliances.    

See plans and coverage
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Home warranty coverage or what your plan should include in Florida

A strong home warranty plan in Florida should address the systems and appliances most vulnerable to breakdowns from everyday use. Given Florida’s heat and humidity, HVAC coverage is essential — this helps with repairs or replacements when air conditioners or heat pumps fail. Plumbing coverage is also important, as hot, humid conditions and salt air can wear out pipes, faucets and water heaters. Electrical system protection helps cover issues with wiring, outlets and circuit components that deteriorate over time.

Including major appliances like refrigerators, dishwashers, ovens, washers and dryers in your plan provides protection against unexpected breakdowns in high-use areas of your home. Some homeowners choose additional coverage options for items like pool equipment, which can be costly to repair. A comprehensive plan should clearly define limits, exclusions, service fees and the claims process, helping you understand what is covered before you need a repair. Tailoring coverage to your home’s specific needs ensures you are not paying for unneeded items while still protecting your essential systems.  

 

 

How does a home warranty work in Florida

Place a service request anytime

When a covered appliance or system breaks down, submit a service request online or by phone 24/7.

We'll send out a pro

We match your repair request with one of our thousands of vetted service providers.

We get you back up and running!

You depend on your home's major appliances and systems. That’s why we’ll make you a priority. 

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What to look for in a home warranty in Florida

When choosing a home warranty company in Florida, take a close look at how each provider structures its coverage and pricing. Transparent contracts that clearly list covered systems, appliances, exclusions and coverage limits make it easier to compare options and avoid surprises down the line.

Coverage caps — the maximum amount a plan will pay for specific repairs — vary by provider, so choose one with limits that match the potential costs of fixing or replacing your HVAC, plumbing, electrical and major appliances. Reputation matters, too: check customer reviews and complaint histories to see how effectively a company handles claims and service requests, especially in Florida’s busy hurricane season when repairs may surge.

A reliable service provider network ensures quicker dispatch of licensed, insured technicians when issues arise. Responsive customer support and clear, straightforward claims processes can help ease stress during urgent repairs. Look for flexible plan options that allow you to customize coverage based on your home’s age and key components, as well as service fee or deductible choices that fit your budget. Comparing several providers gives you confidence in your selection.  

Frequently asked questions

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Let us know how we can help.

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When can you buy a home warranty in Florida? 

In Florida , you can buy a home warranty at any time, regardless of the age of your home or how long you've lived there. 

What is a home warranty?

 A home warranty is a service agreement between a homeowner and a company that states the terms under which the company will help cover the repair and maintenance costs of home systems and appliances for a given period. 

How long does a home warranty last in Florida?

A home warranty agreement in Florida typically lasts one year.    

Which Florida home warranty covers the most?

 This depends on your specific plan with the home warranty company you select.

Is there a difference between homeowners insurance and a home warranty in Florida?

 Yes, here’s an easy way to explain the difference between homeowners insurance and a home warranty. Homeowners insurance relates to catastrophic, unforeseen events such as accidents, fires and natural disasters. Home warranty protection, on the other hand, is related to the appliances and systems in your home that fail due to normal wear and tear. When things such as your HVAC or refrigerator stop working due to normal wear and tear, a home warranty plan is probably worth it and may make it easier (and cheaper) to repair or replace it.  

Is a home warranty required in Florida? 
No, home warranties are not required in Florida.  
Who pays for the home warranty at closing?

In real estate, a home warranty can be paid for by the buyer or the seller at closing. For the seller, paying for a home warranty can make the property seem more appealing and help reduce repairs while the home is on the market. From the buyer's perspective, having a home warranty can provide peace of mind when moving in – especially if they purchase an older home.  

How does a home warranty work for Florida real estate sellers?
 Florida real estate sellers can acquire a home warranty plan for coverage for repairs or replacements of major appliances and home systems when they experience mechanical failure due to normal wear and tear during the listing period. Essentially, the home warranty helps protect the seller from unexpected repair costs if a covered item breaks down while the house is on the market.  
What happens with a home warranty lapse?

A home warranty lapse happens if you cancel your agreement or if your agreement isn’t set to auto-renew and you forget to renew it. If this happens, you’ll typically have to wait 30 days before your appliances and systems are covered again. During this lapsed period, you'll be financially responsible for any repairs you may need to your household appliances.  

How can you renew your home warranty in Florida?

With most home warranty companies in Florida , you’ll be notified in advance whether you need to renew, or if you’re already on an automatically renewing plan, you’ll also be notified of any rate and/or coverage changes, no less than 30 days before your current agreement expires. 

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Homeowners have chosen us for more than 45 years! See what our happiest customers in Florida have to say...

Joy of Ormond Beach, FL
Via ConsumerAffairs
5/5

My recent experience with Cinch Home Services has been positive. The most recent service call I had was quite satisfactory, as the contractor was efficient, and the repair was performed without a hitch. I've observed remarkable improvement in how they manage their service calls; they now follow up to ensure everything was resolved to my liking and offer additional help if needed.

Kevin of North Venice, FL
Via ConsumerAffairs
5/5

Cinch is efficient when I submit a claim. When I call, it's very easy to get in contact with an actual person. Recently, my air conditioning unit wasn't cooling. Cinch referred my case to a technician and a technician came out. They let me know what the problem was how they were gonna address it.

Fontaine of Palm Coast, FL
Via ConsumerAffairs
5/5

Submitting a claim with Cinch has been fine. The first couple of times I was having difficulty getting through to the right person. But on the last two times that I've used them, I've had no difficulty. They've improved. They're a 5-star company. They've done what they said they would do.

Ayshen of Tamarac, FL
5/5

My property manager's department recommended Cinch, and I'm very satisfied. Originally, they had a service person come out to check my water heater and he said it was fine, but it kept going in and out, hot water, cold water. However, it seems to be running steady now. I just hope it's not gonna give me a problem.

Frankie of Winter Park, FL
5/5

This is follow up review of the AC repair with Cinch home warranty services. They did fix and replaced damaged part of the AC and is working ok for now and I hope it will last. Thank you for fixing my AC and I appreciate the lady that follow up on the call for me.

PUT SOME PREDICTABILITY BACK IN YOUR BUDGET

Enter your zip to start your home warranty quote!

We use your zip code to ensure that your property is within our coverage area and to generate an approximate quote for our services.

By clicking the below "See pricing" button, you agree that Cinch Home Services or California Cinch Home Services may contact you at the phone number and email address provided, including via automated technology and artificial or pre-recorded voice, about Cinch products, offers, and your relationship and experience with Cinch. This consent is not required to make a purchase.
Not sure yet? Give us a call:  (866) 408-0024
64x64__Home

5 Star

Millions of homeowners have chosen us since 1978!

Find the perfect home warranty plan that puts you in control of your home.

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Cinch Home Services has 114 fully vetted service technicians in the state of Florida

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Some of the Florida cities where Cinch Home Services offers coverage:

  • Jacksonville
  • Miami
  • Tampa
  • Orlando
  • St. Petersburg
  • Port St. Lucie
  • Hialeah
  • Cape Coral
  • Tallahassee
  • Fort Lauderdale
  • Pembroke Pines
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
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