Frequently asked questions

When it comes to choosing a home warranty company, we know you have options, but if you’re wondering why you should pick us, we think it’s pretty simple. We have more than four decades of home industry experience. We also have a nationwide network of carefully vetted, experienced service providers, and we offer all sorts of extras you won’t find elsewhere, including our 180-day Workmanship Guarantee to back it all up!

Generally, these plans cover a mechanical breakdown from routine use, sometimes referred to as “normal wear and tear.” This means that mechanical parts, such as motors and switches, and parts like knobs and handles are covered when they break down due to normal wear and tear. To fully understand what parts are covered, it is best to read the sample terms and conditions after requesting a quote. 

Other non-mechanical items in your home, like the roof, windows, walls and doors, are typically not included in home warranty 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. Before you buy a plan, check out the sample terms and conditions after requesting a quote. Existing customers can access their plan in My Account anytime.

Yes. There are optional items available that can be bundled into most plans for an additional cost. To learn more, start building your plan today.

There is a 30-day 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.

Yes, all plans have annual total aggregate claim dollar amount caps. Additionally, some covered items have individual per-claim and/or per-item dollar amount caps. The cap is the maximum the plan will pay for repairs or replacements during your annual coverage term. For more details, check the sample terms and conditions after requesting a quote. 

A deductible is generally collected at the time of placing your claim. This is your share of the claim cost, not including any non-covered amounts or amounts over cap limits that you would be responsible for, if any. You can choose your deductible when you enroll in one of our home warranty plans — a lower monthly fee usually means a higher deductible.

Depending on which plan you have, if we determine that your system or appliance cannot be repaired, we may replace the unit with a similar model with comparable capacity that meets all federal manufacturing standards and performs the same primary function as the broken unit. We will also cover the new unit’s full purchase price and cost of installation (subject to your plan's terms and conditions, including claim caps or maximums).

At Cinch Home Services, we strive to keep our claims process simple. If you have a problem with a system or appliance, first review your coverage to make sure you have a claim. Then place a service request by calling or reaching out to us online. Next, we’ll have a service provider contact you so you can agree on a good time for an in-person appointment. During the visit, your appliance or system will be diagnosed, and any covered failures will be repaired and/or replaced depending on which plan you have — unless a part needs to be ordered or acquired first.

Required by mortgage lenders, homeowners insurance protects your home from weather damage and theft, and it also covers your liability if someone is injured on your property. Only sometimes will it cover some or all your home’s systems and appliances. If, like many homeowners, you review your policy and discover that these items are excluded or that mechanical failures due to normal wear and tear aren’t covered, a home warranty can help fill that gap and offer added peace of mind. Still unsure about the difference? Read our article discussing home warranties vs. home insurance.

Costs vary by region and type of coverage. Find specific pricing in your area.

Learn more about the pricing of home warranties, including what can affect pricing, what plans are available and more.

You will be charged once your plan becomes active, at which point we'll charge the payment method you provided.

You can request service online anytime in My Account or by calling (844) 324-5688.

Your deductible is due when you request 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 non-covered charges depending on the work needed to fix the issue, or if your plan caps and maximums have been reached. For example, if a permit is needed, or you need a new concrete slab for a replacement A/C unit, those costs may not be covered by your plan.

You can make as many service requests as necessary for covered items, unless you have reached any maximum dollar amount caps in your plan.

Every service provider 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 service providers and scoring them based on customer feedback.