Compare Plans & Coverage | Cinch Home Services

Sanjia of Townsend, DE

"They're wonderful."

Teri of Mentor, OH

"...very happy with Cinch."

Elizabeth of Slaughters, KY

"...fast and on the ball."

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

Heating & air conditioning systems
Electrical & plumbing systems
Kitchen & laundry appliances
Up to $1,000 per covered appliance
2 units per appliance covered
$10,000 total limit per agreement term
$500 homeowners insurance deductible reimbursement¹
Outside water, sewer & gas lines
Extra coverage for equipment disposal, permits & more

Deductible of $100-$150

Learn More

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

Heating & air conditioning systems
Electrical & plumbing systems
Kitchen & laundry appliances
Up to $2,000 per covered appliance
2 units per appliance covered
$10,000 total limit per agreement term
$500 homeowners insurance deductible reimbursement¹
Outside water, sewer & gas lines
Extra coverage for equipment disposal, permits & more

Deductible of $100-$150

Learn More

	Cinch Repair Only	Cinch Repair + Replace	Cinch Repair + Replace Premier
Replacement Coverage Provides replacement when a covered item cannot be repaired. See sample terms and conditions for more details.	Not available	Included	Included
Exterior Gas Line The outside gas service line is covered. There are some caps and exclusions. See sample terms and conditions for more details.	Add on	Add on	Included
Exterior Sewer Line The outside sewer service line is covered. There are some caps and exclusions. See sample terms and conditions for more details.	Add on	Add on	Included
Exterior Water Line The outside water service line is covered. There are some caps and exclusions. See sample terms and conditions for more details.	Add on	Add on	Included
Homeowners Insurance Deductible Reimbursement Reimburses you up to $500 when you have to pay a deductible on a covered homeowners insurance claim. One claim per year. ¹	Not available	Included	Included
Up to $2,000 in extra coverage Provides up to $2,000 per year (two claims of up to $1,000 each). Certain covered repairs or replacements may require additional fees that are not normally covered under your plan, such as disposal of equipment, plumbing modifications, reclamation of refrigerant, code upgrades, permits and more.²	Add on	Add on	Included
	Get a quote	Get a quote	Get a quote
	See sample terms	See sample terms	See sample terms

Heating and Cooling

Cinch icons 64x64-Jun-10-2025-01-50-41-4033-PM

Air Conditioning Including Ductwork

All components and parts of ducted central electric split and package units, geothermal, wall air conditioners and mini-splits are covered. There are some caps and exclusions. See sample terms and conditions for more details.

Heating System Including Ductwork

All components and parts of forced-air (gas, electric, oil), geothermal, wall-mounted heaters, floor furnaces, package units, heat pumps, mini-splits, hot water or steam-circulating heat and electric baseboard are covered. There are some caps and exclusions. See sample terms and conditions for more details.

Kitchen and Laundry Appliances

Clothes Dryers

All components and parts are covered, excluding Wi-Fi transmitters.

Clothes Washers

All components and parts are covered, excluding Wi-Fi transmitters.

Cooktops

CooktopsAll components and parts are covered, excluding Wi-Fi transmitters, and broken, chipped or cracked glass cooktops due to misuse. See sample terms and conditions for more details.

Dishwashers

All components and parts are covered, excluding Wi-Fi transmitters.

Food Centers (Built-in)

All components and parts are covered.

Freestanding Ice Makers

All components and parts are covered.

Microwaves (Built-in)

All components and parts are covered.

Ranges

All components and parts are covered, excluding Wi-Fi transmitters, and broken, chipped or cracked glass cooktops due to misuse. See sample terms and conditions for more details.

Range Exhaust Hoods

All components and parts are covered for hoods located above the range.

Refrigerators

All components and parts are covered, excluding freestanding freezer, multi-media centers built into appliances, wine chillers, consumables and Wi-Fi transmitters. See sample terms and conditions for more details.

Trash Compactors (Built-in)

All components and parts are covered.

Wall Ovens

All components and parts are covered, excluding Wi-Fi transmitters.

Electrical Systems

Attic Fans

All components and parts of built-in attic fans are covered.

Ceiling Fans

All components and parts are covered.

Central Vacuums

All components and parts, excluding Wi-Fi transmitter, removable hoses and accessories; access and closing costs to floors, walls and ceilings when locating or repairing a malfunction.

Doorbells

All components and parts, excluding when the doorbell is part of an intercom or monitoring system.

Electrical Components

All direct current wiring, lighting fixtures and built-in exhaust/vent/attic fans are covered. There are some exclusions. See sample terms and conditions for details.

Garage Door Openers

All components and parts located inside the ceiling-mounted electric motor are covered, excluding door or door track assemblies, cables, springs and Wi-Fi transmitters. See sample terms and conditions for more details.

Smoke Detectors

All battery-operated and hardwired units are covered, excluding carbon monoxide detectors.

Plumbing Systems

Garbage Disposals

All components and parts are covered.

Instant Hot/Cold Water Dispensers

All components and parts are covered.

Jetted Tubs (Built-in)

All motors, pumps and air switch assemblies are covered.

Plumbing Components

All valves, lines, and drain and sewer stoppages are covered. There are some exclusions. See sample terms and conditions for more details.

Standard and Tankless Water Heaters

All components and parts are covered, including tankless water heaters and circulating pumps. A maximum amount of $1,000 per unit is allowed per term. There are some exclusions. See sample terms and conditions for more details.

Sump Pumps

All permanently installed sump pumps (ground water only) are covered.

Toilets

All toilets and related mechanisms, toilet wax ring seals and clearing of toilet stoppages are covered.

Pool (Heater Included)

Spa (Heater Included)

Pool with Spa (Heater Included)

Septic Tank/Pumping

Well Pump

General exclusions

Items already covered by manufacturer warranties
Pre-existing conditions known at time of coverage
Improper installation or lack of proper maintenance
Cosmetic defects (scratches, dents, rust, corrosion)
Outdoor items (sprinkler systems, landscape lighting)
Failures due to misuse or negligence
Routine maintenance and cleaning
Items not listed in your coverage agreement

Common limitations

Repair Only Plan: Up to $1,000 per covered repair; replacements excluded
2 unit maximum per covered appliance
Annual total coverage limit of $10,000 per agreement term
Water, sewer & gas lines outside your home (unless you have the Premier Plan or add-on coverage)
Permit fees, modifications and disposal costs (unless you have the Premier Plan or add-on coverage)

24/7 claims support online or by phone

File a claim when (and how) it's most convenient for you.

Verified service providers

We find help so you don't have to.

Coverage for unknown pre-existing conditions

Items are covered regardless of age, make or model.

Request

When a covered item breaks, place a service request anytime online or by phone.

Repair

We'll find a pre-screened service provider to diagnose and remedy the problem.

Relax

We'll help pay the bill, and the covered repair is guaranteed for 180 days.

Teri of Mentor, OH

Via ConsumerAffairs

5/5

I am very happy with Cinch. Submitting a claim with Cinch was straightforward; they sent someone out quickly. The service was much faster compared to other home warranties I've previously used. Their quick and efficient service stands out. My granddaughter submitted the claim online, and they called me soon after to set up an appointment. The tech arrived the next day, which was very convenient.
I haven't had many claims, but the one experience I had was handled swiftly and met my expectations. I rate my experience with Cinch as fabulous. Their customer service is excellent, as are the services they provide.

Sanjia of Townsend, DE

Via ConsumerAffairs

5/5

Cinch takes care of the customer when there's a problem. The person they decide to use follows up and texts you every step. They have good customer service and always present themselves well. Whenever you have a question, they're always there to answer it. Recently, my water heater was leaking. It couldn't be fixed so it had to be replaced. If I know somebody's looking for a home warranty, I always tell them about Cinch Home Services. They're wonderful. You don't have to go out there and look for anyone to fix anything for you ‘cause they got your back.

Elizabeth of Slaughters, KY

Via ConsumerAffairs

5/5

My experience when submitting a claim was very seamless and effortless. The tech who came knew what the issue was with the heater immediately and he ordered the fan motor. They had it the next morning and he came and put it in the next morning. It was during the winter when I didn't have heat because of it and they were really fast and on the ball.

Why should I choose a Cinch Home Services warranty?

What types of failures are covered?

How does the claim process work?

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.

How much does a Cinch Home Services plan cost?

Why would I want a home warranty if I already have homeowners insurance?

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.

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*Important Details
Plans, offers, and prices shown may not be available in all states and vary by location, plan type, and any applicable sales tax. Discount applies to the first year of a new annual Repair Only, Repair Only, Repair + Replace, or Repair + Replace Premier plan. Excludes optional coverage and add-ons. Cannot be combined with any other offer.

Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.

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

¹Reimburses you up to $500 when you have to pay a deductible on a covered homeowners insurance claim. Only one reimbursement benefit per claim occurrence and 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. This benefit is provided by an unaffiliated third party under an insurance policy issued to Cinch Home Services, Inc. for the benefit of customers enrolled by Cinch Insurance Agency, Inc., an affiliate of Cinch Home Services, Inc., California Cinch Home Services, Inc., HomeSure Services, Inc., HomeSure of America, Inc. and HomeSure of Virginia, Inc.

²Provides 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. For Florida residents, this coverage is offered in accordance with Florida Statute §634.346 which helps maintain the compatibility and operating efficiency requirements of the A/C manufacturer.

Peace of mind for your home made simple

What makes each plan different?

Heating and Cooling

Kitchen and Laundry Appliances

Electrical Systems

Plumbing Systems

General exclusions

Common limitations

Home protection you can rely on

Coverage that specifically works for your home

What to do if something breaks or stops working

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Frequently asked questions

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