Homeowners Faq Heading
What types of failures are covered?
Generally, these plans cover a mechanical breakdown from routine use, sometimes referred to as “normal wear and tear.” In addition, other parts like knobs or handles are also covered. It’s always best to read the terms and conditions to fully understand any limitations or exclusions.
What is NOT covered?
Other non-mechanical items in your home, like the roof, windows, walls and doors, are typically not included in protection plan coverage. Also, if a covered item was improperly installed or repaired, your plan will likely not cover it. It's important to read the details included in the General Exclusions and Limitations section of the terms and conditions. You can also read the terms and conditions before you buy a plan online. Or, call us with any questions.
When does coverage begin?
There is a waiting period from the time you purchase your plan to when you can request service. You'll be advised exactly when your coverage begins before you complete your purchase. In addition, your confirmation email and plan documents will include this information.
Are there caps or maximums?
Yes, for some items. The cap is the maximum the plan will pay for repairs or replacements during your coverage period. This maximum amount might vary per item covered, or it can be a total cap across all items. Check the terms and conditions for details.
What is a deductible?
Similar to an insurance deductible, this is the amount that you pay out of pocket. The deductible is collected at the time of service and may be applied toward the cost of the covered repair or replacement. Most plans offer multiple deductible options, so you can choose to pay more per month for the plan and have a lower deductible; or vice versa.
How much does a Cinch plan cost?
Costs vary by region and type of coverage. Here’s how to find specific pricing for your area:
• Click here to get a quote.
What are my payment options?
In most cases, you can choose monthly or annual payment.
When and how will I be charged?
You will be charged once your plan becomes active, at which point we'll charge the payment method you provided.
What do I do when something breaks down?
You can open your service request online in My Account or with your voice using our Home Service Manager skill for Alexa. Need a human? Our friendly customer service team is available 24/7 at (844) 324-5688.
What am I responsible for?
Your deductible is due at the time of the service. A couple of other helpful reminders:
1. The deductible is per service trade. So, if you have more than one item that needs repair and they are in different service trades – for example, a plumber and an electrician – there will be a deductible due for each one.
2. There could be additional charges if more work is needed to fix the issue. For example, if a permit is needed, or you need a new concrete slab for a replacement A/C unit, those costs are not covered by the plan.
How many service requests can I make?
You can make as many service requests as necessary for covered items, unless you have reached any maximum caps in your plan.
How do you choose your service technicians?
Every technician that we refer has undergone an extensive screening and selection process, which includes, but is not limited to, license checks and verification of active liability insurance. We also have a continuous process of monitoring our technicians and scoring them based on customer feedback.
My Account and Alexa
What is My Account?
My Account is where you can conveniently manage your plan online, anytime, day or night. It's easy, mobile-friendly and secure.
Here are a few things you can do in My Account:
• Download your plan documents
• Open a service request
• Check service request status
• Change your payment method (if you currently pay by credit card or bank account)
• Update your contact information
How do I sign up?
You can create an account any time after you purchase your plan by visiting https://my.cinchhomeservices.com. Have your Plan Number (also known as your Contract Number) available for quick sign-up.
You'll be asked to verify your email address and set up a password. That's it!
How do I enable the Cinch Alexa skill?
Our skill is called Home Service Manager. Visit our Alexa page for details on how to set it up.
What can I do with Alexa?
You can open a service request, check the status and get the contact info for your assigned technician. Visit our Alexa page for additional information.
Terms to know
Occurs when a covered item becomes inoperable and unable to perform its primary function, subject to the limitations and conditions of this agreement.
Items are those that were designated by the manufacturer, manufactured and marketed solely for installation and use in a residential, single-family dwelling.
Items are those that were designated by the manufacturer, manufactured and primarily marketed for installation and use in commercial operations.
Of the covered item is considered to mean the viewing of an item to verify that it appears structurally intact and without damage or missing parts that would indicate inoperability.
Simple mechanical test
Means the ability to turn the unit off and on, verifying the item operates without irregular sounds or smoke that may indicate a problem. In certain instances, we may require documentation from you during a claim review.
Proper operating condition
Means the covered item was correctly located within the home, was properly installed to code at the time of installation, was fully connected, was capable of successfully performing all operations commensurate with the manufacturer’s original design intention and did not pose any hazard to life or property.
Necessary or required upgrade
Is a replacement improving a manufacturer's specification; energy efficiency; or system performance due to external circumstances (such as inability to obtain parts/equipment or government mandated system modifications).
Includes air conditioning unit, heating unit, water heater, individual appliances such as refrigerator, dishwasher and ceiling fans.
Defined as the total time for which an item is technically designed to operate from its date of purchase and is expressed in years.