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Home warranties by Cinch Home Services

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Home warranties by Cinch

Your complete guide to home warranties

A home warranty2 is an annual service agreement that provides coverage for unexpected system and appliance breakdowns.

 

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?

 

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 repair 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.

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.

mother+and+daughter+folding+laundry
mother+and+daughter+folding+laundry
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.

woman+on+laptop
woman+on+laptop
Step 3

We'll send out
the experts

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

lady-with-repairman-looking-at-nest-unit
lady-with-repairman-looking-at-nest-unit
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.

Couple cuddling on couch smiling at each other
Couple cuddling on couch smiling at each other
Get a quote

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 replace3 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.

Refrigerator

Repairs can cost up to $650

Air Conditioner

Replacements can cost up to $5,900

Clothes Washer and Dryer

Replacements can cost up to $1,000

Water Heater

Repairs can cost up to $600

What's covered by a home warranty?

Cinch Home Services warranty plans cover home systems and appliances due to normal wear. This affordable coverage comes with award-winning customer service that helps control the costs of appliance and system breakdowns. All with extras you won't find anywhere else and backed by our 180-day Workmanship Guarantee. No home inspection is necessary.

Prices starting at just $27.99/month!*

  

Cinch

Repair Only

Cinch_Icon_Repair_a 1

Covers repairs to 37 essential appliances and components of major systems you rely on every day.


 

  • Heating and air conditioning systems
  • Electrical and plumbing systems
  • Kitchen and laundry appliances
  • Up to $1,000 per covered repair
  • 2 units per appliance covered

  

Cinch

Repair Plus Replace

Appliances 1

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


 

  • Heating and air conditioning systems
  • Electrical and plumbing systems
  • Kitchen and laundry appliances
  • Up to $2,000 per covered appliance
  • 2 units per appliance covered
  • $500 homeowners deductible reimbursement4

  

Cinch

Repair Plus Replace Premier

Plan icons

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

 

  • Heating, air conditioning, electrical and plumbing systems
  • Kitchen and laundry appliances
  • Up to $2,000 per covered appliance
  • 2 units per appliance covered
  • $500 homeowners deductible reimbursement4
  • Outside water, sewer and gas lines
  • Additional $2,000 for expenses like electrical permits, equipment disposal and more5
Get a quote

Why choose a Cinch Home Services warranty?

Rave reviews

Our home warranty plans give you the protection and peace of mind you need.

 

45 years of experience

We've been protecting millions of homeowners since 1978.

 

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, protecting homes and keeping them running is more than just our business — it's what we love doing.

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 customers nationwide trust us to get the job done right, on-time and at great prices. 

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.

*Pricing varies by location and plan type; sales tax may apply.

1Get your first month of coverage free when you choose the monthly billing option on your purchase of a new annual Repair Only Plan, Repair + Replace Plan or Repair + Replace Premier Plan. Cannot be combined with any other offer. Not available in all states.

2The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.

3Repair and replacement costs above are national averages based on actual project costs as reported by unaffiliated third-party home project websites.

4Reimburses you up to $500 when you must pay a deductible on a covered homeowners insurance claim. Only one claim, per member per 12-month period. Additional terms and conditions apply, which will be included in your plan materials you receive after enrollment. Benefits are provided by an unaffiliated insurer under an insurance policy issued to Cinch Home Services, Inc., (an affiliate of California Cinch Home Services, Inc., HomeSure Services, Inc., HomeSure of America, Inc. and HomeSure of Virginia, Inc.) with benefits for customers of these affiliates, respectively.

5Provides up to $2,000 of coverage per year (two claims of up to $1,000 each) when there are non-covered charges associated with a covered claim, such as permits and equipment disposal.