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What You Need to Know About Cinch Home Services

Formerly known as Cross Country Home Services, Cinch Home Services serves customers in 47 states and offers a 180-day workmanship guarantee. Cinch was featured on Inc. 5000’s 2018 list of the fastest-growing companies in the U.S., and it currently serves nearly one million customers.

In this review of Cinch Home Services, our review team summarizes our findings on this company’s plans, coverage options and more to help you decide if it’s the best home warranty company for you.

In this article:


Cinch Home Services: The Highlights

Background and Availability

Cinch Home Services was incorporated in 1978 and is one of the longest-running home warranty companies in the industry. Its plans are available in every state except Hawaii, Texas and Alaska. 

Here are the key pros and cons to consider about Cinch Home Services:

  • Over 40 years of experience in the industry
  • 180-day workmanship guarantee
  • Protection for unknown pre-existing conditions
  • Rust and corrosion coverage
  • High service fees
  • Doesn’t offer optional add-ons


Homeowners can get a free quote from Cinch Home Services by calling 877-589-0505 or by filling out this form.

While we think Cinch Home Services is an option worth considering for homeowners seeking a home warranty that covers systems and appliances with unknown, pre-existing conditions, we recommend getting quotes from multiple companies so you can find the best plan for your needs. American Home Shield offers coverage in every state but Alaska and, depending on a few factors, may be able to offer a more affordable premium. To get a free quote from American Home Shield, you can call the company at 844-529-9298 or complete this form.

Coverage Options

Cinch Home Services offers an Appliances plan, Built-in Systems plan and a Complete Home plan. The coverage provided in each of these home warranty plans can be viewed in the table below. Each Cinch Home Services plan comes with a 180-day workmanship guarantee, which means that the company will not charge you additional fees if they need to provide follow-up services on an item that was recently repaired or replaced.

Cinch helpfully covers items that have been affected by rust and corrosion, and it also protects items with unknown pre-existing conditions. This is significant as many home warranty companies do not cover items under these conditions. 

Cinch also offers a few notable benefits to its customers. The company offers discounts on new appliances and $500 cash back for owners of its Complete Home plan if you have a home insurance claim. Additionally, it offers credit toward purchasing A/C filters and a free leak alarm that alerts you to issues with your plumbing system.

Covered ItemsAppliancesBuilt-In SystemsComplete Home Protection
Clothes washer
Clothes dryer
Food centers (built-in)
Freestanding ice maker
Microwave (built-in)
Range exhaust hood
Trash compactor (built-in)
Wall oven
Air conditioning (including ductwork)
Attic fans
Ceiling fans
Central vacuum
Electrical system
Garage door openers
Garbage disposal
Heating system (including ductwork)
Instant hot/cold water dispenser
Plumbing system
Smoke detectors
Sump pump
Water heater
Whirlpool/jetted tub (built-in)



A home warranty’s cost consists of a monthly premium and a service fee (a.k.a. deductible), which is paid whenever you need a repair or replacement. The cost of Cinch Home Services plans is dependent on the service fee that you choose to pay the company — it offers a service fee between $100 and $150. We like the ability to choose your own service fee, but many home warranty companies allow you to pay a service fee much lower than $100.

Cinch Home Services monthly premiums range from $34.99 per month to $61.99 per month. Cinch’s prices are reasonable considering the benefits and workmanship guarantee it provides.

Plan Cost by Service FeeAppliancesBuilt-In SystemsComplete Home Protection
$100$44.99 per month$51.99 per month$61.99 per month
$125$39.99 per month$45.99 per month$55.99 per month
$150$34.99 per month$39.99 per month$49.99 per month



Getting a Quote and Submitting a Claim

You can get a free quote from Cinch Home Services by filling out this form or by calling 877-589-0505

Owners of Cinch Home Services’ warranty can submit a claim by calling the 24/7 customer service team at 844-627-6003, by filling out a form on their online account, or by using Amazon Alexa.

Cinch Home Services Reviews

From an industry reputation perspective, Cinch is accredited by the BBB and holds an A- rating with the organization. In regards to its customer reviews, Cinch Home Services has received mixed customer reviews — plenty of both positive and negative reviews can be found online. 

The company holds a two-star average rating on its BBB webpage and a three and a half star average rating on its Trustpilot webpage based on over 600 online reviews. The company’s two-star average rating is probably more indicative of the opinion of customers since the company received over two times as many reviews on its BBB webpage than its Trustpilot webpage. 

Below, we share a few sample reviews that we found about Cinch. Generally, customers have a positive experience with Cinch’s customer service team, but many customers mention having to wait several days for repairs after submitting a claim.

On June 11, 2020, Joe Suez wrote via Trustpilot: “We spoke with [customer representative], and he was very professional. He took his time and had patience with all of our questions. The customer service was great, and my wife and I were happy talking to him.”

On June 6, 2020, Gregory B. wrote via BBB: “Our A/C unit went out, and a service provider / technician came out within a day or two. A problem was identified, which needs to be repaired/replaced. However, since then, I have called every day for 9 days and continue to hear varying levels of the same response, such as ‘Your claim is with our research department’”


Final Thoughts

Cinch Home Services offers solid coverage plans that include coverage protections, an excellent workmanship guarantee and unique benefits. However, this provider doesn’t offer any optional add-ons or customizable plans. We recommend that interested customers get a free quote from Cinch and compare its services with those of our other recommended providers, which we discuss below.


Our review team analyzed every major home warranty company in the industry on a wide range of criteria, such as customer service, cost, benefits and more. American Home Shield and Choice Home Warranty came out as the best home warranty companies of all the providers we examined.

Below, we discuss these two top providers and share links to get a free quote.

American Home Shield

American Home Shield founded the home warranty industry and is known for its vast contractor network and quick claims service. AHS is available in 49 states (all but Alaska) and works with over 16,000 pre-screened contractors nationwide. Because of its many strengths, American Home Shield serves almost half of all home warranty customers in the U.S.

Get Free Quote 

You can get a free quote from American Home Shield by calling 844-529-9298 or by completing this form.

Choice Home Warranty

Choice Home Warranty was founded in 2008, and it has already covered over one million homes. Choice offers a quick, two-day timeframe for repairs and also offers a free second opinion on repairs. Both of these features are uncommon among home warranty companies, yet Choice offers both of them to its customers.

Choice Home Warranty covers appliances and systems of all ages, which makes it an excellent provider for homeowners with old homes. Some of our readers prefer Choice Home Warranty over American Home Shield because its plans are cheaper. Choice Home Warranty also finished in second place among all home warranty companies we examined and is recommended as a strong option by our review team. You can read more about this provider in our Choice Home Warranty review.

Get Free Quote

You can get a free quote from Choice Home Warranty by calling 929-400-6165 or by entering a few details on this quote form.

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