Home warranties by Cinch

Little girl washing green apple at kitchen sink.

Home warranties by Cinch

Your complete guide to home warranties

A home warranty is an annual service agreement that provides coverage for repairs and replacements on home systems and appliances.


You might not think you need a home warranty plan (often known as a home protection plan or home service plan). After all, why spend money you don’t need to? Is a home warranty even worth it?


Unfortunately, many people find out too late that home warranties are an essential way to protect your home, your family and your bank account. Once your major appliances start to fail or a whole system goes down, you may find yourself regretting the decision to skip this important form of home protection. Don’t let this happen to you.

Machines break down over time. Sometimes, they even break right away through no fault of your own. And without home warranty protection, you may find yourself footing an extremely expensive bill to replace an appliance like a washing machine or a refrigerator, or even a whole system like your HVAC or electrical system.


Don’t let home appliance or systems breakdowns become a major and very expensive headache. A home warranty gives you the assurance you need that your problem will be taken care of with convenience and ease by reputable technicians. And you’ll be better able to plan your budget ahead of time, so there are no surprise expenses in your bank account. Learn more about what a home warranty is.

How does a home warranty work?

Step 1

Choose the best annual plan for you

Select the home warranty plan that meets your budget and coverage needs. You can pay in full upfront or choose to pay a modest monthly fee.

Step 2

Request service anytime you need it

When a covered appliance or system breaks down, request service anytime online. Our customer service is available 24/7. And yes, that includes holidays and weekends.

Step 3

We'll send out
the experts

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

Step 4

We get you back up and running quickly

Your family depends on your home's major appliances and systems. That's why your home repair is our top priority.


Why do you need a home warranty?

Without a home warranty, you could be paying too much for home repairs or replacements. Check out the typical cost to repair or replace these home systems and appliances without a home warranty and then learn more about why you need a home warranty after moving into a new house.


Repairs or replacements can cost up to $1,500
Est avg.

Air Conditioner

Repairs or replacements can cost up to $5,648
Est avg.

Clothes Washer and Dryer

Repairs or replacements can cost up to $1,375
Est avg.

Electrical System

Repairs or replacements can cost up to $1,325
Est avg.

Water Heater

Repairs or replacements can cost up to $1,214
Est avg.

What's covered by a home warranty?

Cinch home warranty plans cover cover 25 home systems and appliances due to normal wear. Our home warranty coverage is packaged as an appliance-only plan, systems-only plan or a combination plan that merges the best coverage from both plans into a single, comprehensive service agreement. No home inspection is necessary.

Prices starting at just $30.99/month!


Prices vary based on zip code and the type of home warranty plan.



From a garage door opener to clothes washers and dryers, garbage disposals, microwaves, dishwashers and refrigerators, our Appliances Home Warranty plan gives you a basic plan with a low service fee.

Combo Plan


Built-in Systems

Repairing your home's systems can be costly. The Built-in Systems plan covers your air conditioning, including ductwork, and equipment breakdowns for your water heater, plumbing and electrical systems and 12 other items.


Why choose a Cinch home warranty?

Rave reviews

Millions of homeowners enjoy the protection and convenience of a Cinch home warranty.

45 years of experience

Our capabilities offer a better, more modern way to manage your home's critical needs.

Award-winning service

Cinch is recognized for outstanding customer service and innovation.

Customized plans

Flexible home warranty plans for your budget and coverage needs.

About our company

At Cinch Home Services, we believe that our company is much more than just home warranties.

We provide protection, peace of mind, and the true joy that comes with knowing the home you own and your bank account are both safe and secure when it comes to breakdowns and systems failures.


We’ve been in the business for 45 years and have the experience needed to provide the highest quality service at prices that are easy on your wallet. Simply put, we make home repairs easier and more affordable.


If you aren’t sold on Cinch Home Services as your home warranty provider yet, we encourage you to learn more about us and why nearly 1 million customers trust us to get the job done right, on-time and at great prices. Don’t just take our word for it. You can read real customer reviews of our home warranties here.

Frequently asked questions

Visit the Home Warranty FAQ Library for more information.

When should I buy home warranty?

No matter how old your home is, it is never too soon to protect your wallet from unexpected repairs. Even a new home can present problems in the first year and finding a trusted service provider can be hit or miss.

At Cinch, we vet our service providers and use customer reviews to maintain high quality in our service network. Whether you are buying or selling a home, you can get a home warranty at any time without a prior home inspection.

Should you buy a home warranty when purchasing a home?

Buying a home warranty when purchasing a home [blog] can save you from the cost of unforeseen breakdowns. It may be difficult to assess every home system or appliance’s condition - even with a home inspection.

In the period immediately after signing a purchase contract for a new home and moving in, an air conditioner repair or replacement could be a huge financial setback. The last thing a new homeowner wants to face is a considerable repair expense. Home warranty insurance can give you peace of mind.

Who typically pays for a home warranty?

A home buyer and a home seller can both pay [blog] for a home warranty. Many home sellers will include a warranty in the sale of a home to protect the transaction and to help indemnify them from future liabilities.

If a home warranty is not included in the sale, a home buyer can purchase a home warranty at any time.

What is not covered by a home warranty?

While a Cinch home warranty plan offers a wide range of coverage, some situations are not covered by a home warranty, including:

  • Neglect and failure to do scheduled maintenance
  • Cosmetic dents and scratches to appliances
  • Pest damage
  • Misuse
  • Anything currently covered by a manufacturer’s warranty
What is the difference between a home warranty and home insurance?

While home insurance policies are generally required for homeowners, home warranties are not. Home insurance offers financial protection for your house and the personal property inside from damage caused by specific problems like wind damage, fire damage, theft and more.

Homeowner's insurance policies provide a limited warranty for these unplanned events, but do not cover your home's major appliances and systems in the event of a breakdown.

Home warranties provide you optional financial protection from the normal wear and tear of your home's major appliances and systems from daily use.

Whether you have a new home or an older home or you’re a home buyer or a home seller, pairing homeowner's insurance with home warranty coverage will offer you the most downside protection for catastrophic events and unexpected repairs.