Cinch Home Services Review (2020) – MarketWatch

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Cinch Home Services, formerly known as Cross Country Home Services, is a home warranty company based in Boca Raton, Florida. With over 40 years of home industry experience, Cinch Home Services is one of the most experienced home warranty companies in the industry.

Our research team took a close look at Cinch’s home warranty and evaluated it based on its quotes and claims processes, cost, coverage and more. We found that Cinch Home Services’ 180-day workmanship guarantee was notable within the industry. If you’re concerned about work getting done right (and having that guaranteed), then we encourage you to get a customized online quote from Cinch or call 877-589-0505.

In this article:

  • Quick take: Cinch Home Services

  • Cinch Home Services company background

  • Plans and coverage

  • Cost of premiums and fees

  • Quotes and claims

  • Cinch Home Services reviews

  • Our conclusion: Cinch Home Services

  • Top recommended provider: American Home Shield

  • Do you need a home warranty?

Quick take: Cinch Home Services
  1. Solid coverage plans: Cinch Home Services offers three home warranty plans that cover a variety of expensive appliances and built-in systems.

  2. Great benefits: Cinch Home Services offers rust and corrosion coverage, which is one reason it stands out from many competitors. The company also has a 180-day workmanship guarantee and offers protection for unknown pre-existing conditions. In addition, homeowners have access to discounts on new appliances.

While Cinch is an appealing option and should be considered by interested homeowners, we recommend American Home Shield — another popular home warranty company we have reviewed — for those who are OK with a shorter service guarantee of 30 days and prefer to have options for add-on coverage. You can get a free quote from American Home Shield using the link below.

Cinch Home Services company background

Cinch Home Services was previously known as Cross Country Home Services until October 2019, when it rebranded, along with some of its subsidiaries, under the Cinch Home Services name.

Cinch responds to over 1 million service requests a year, and it also has nearly 1 million customers nationwide. In addition to these accomplishments, Cinch Home Services is one of the fastest-growing home warranty companies with annual revenue approaching $500 million.

Plans and coverage

Cinch Home Services offers three home warranty plans: an Appliances plan, a Built-in Systems plan and a Complete Home plan. It also offers a generous 180-day workmanship guarantee, protection for unknown pre-existing conditions, as well as rust and corrosion coverage with all of its plans. In addition, the company has discounts available on new appliances and an annual homeowners insurance deductible reimbursement up to $500 when owners of its Complete Home plan have to pay a deductible on a covered homeowner’s insurance claim.

One negative aspect to note about Cinch Home Services’ coverage is that it does not offer any optional add-ons, which many other home warranty companies offer for each of their plans.

Cinch Home Services is available in 48 states, including all but Alaska and Hawaii. Overall, based on its plan coverage and benefits, the company is still a solid home warranty provider. It covers a number of items in each of its plans, and its benefits are very useful to homeowners — especially those looking for dependable service on broken systems and appliances.

Cinch Home Services Coverage


Built-in Systems

Complete Home

Clothes dryers

Clothes washers



Food Centers (Built-in)

Freestanding ice makers

Microwaves (Built-in)


Range Exhaust Hoods


Trash Compactors (Built-in)

Wall Ovens

Air conditioning including ductwork

Attic fans

Ceiling fans

Central vacuums


Electrical system

Garage door openers

Garbage disposals

Heating system including ductwork

Instant hot/cold water dispenser

Plumbing system

Smoke detectors

Sump pump


Water heater

Whirlpool/Jetted tub (Built-in)

Cost of premiums and fees

The cost of Cinch’s monthly premium is dependent on the service call fee you select for your plan. The table below reveals the cost per plan for a single-family home in Raleigh, North Carolina.

Cinch’s costs are on the higher end of the home warranty industry. Another company we reviewed, Choice Home Warranty, offers its Basic plan and Total plan for under $51 per month. Another previously reviewed provider, Select Home Warranty, offers all three of its plans for under $38 per month.

In addition to its higher monthly premium, Cinch’s service call fee is high compared to the industry average of $75 to $125 per repair. Though Cinch’s prices are high, it may still be worth the cost for some homeowners due to the peace of mind that comes with its workmanship guarantee.

Cinch Home Services Pricing Breakdown


Built-in Systems

Complete Home Protection


$44.99 per month

$51.99 per month

$61.99 per month


$39.99 per month

$45.99 per month

$55.99 per month


$34.99 per month

$39.99 per month

$49.99 per month

Quotes and claims

Ultimately, pricing for a home warranty depends on many factors, so it’s wise to get two or three quotes to compare your options. You can get a free quote from Cinch Home Services on the company’s website or by calling 877-589-0505.

To submit a claim with the company, you can either call customer service at 844-627-6003, open a service request on your online account or ask Amazon Alexa to open a claim for you.

Cinch Home Services was the first home warranty company to introduce Amazon Alexa into its claims process, which is unique and valuable. The company responds to claims within 48 hours, which is standard among home warranty companies.

Cinch Home Services reviews

Cinch Home Services holds a solid B+ rating from the Better Business Bureau (BBB) and is also accredited by the organization. Like with most home warranty companies, reviews on third-party websites show feedback from both satisfied and dissatisfied customers.

Below are a few positive and negative Cinch home warranty reviews for you to consider. Generally, positive reviews focused on the company’s friendly customer service, while negative reviews mentioned issues with claims fulfillment.

Positive reviews:

My refrigerator was leaking and I called to place a claim. The agent was extremely helpful and friendly. She scheduled an appointment with Sears. The technician came out the same day, replaced my ice maker, and repaired the refrigerator.” – Wendy D. via BBB

The young lady I was speaking to in Member Services was awesome. She was very knowledgeable, polite, and patient. I renewed my policy because she answered all my questions and provided me with additional information. She was also empathetic to my concerns.” – Perenthia Brown via Trustpilot

Negative reviews:

It took me one and a half hours and calling back to four different people to schedule my claim. They [Cinch Home Services] kept saying I only have coverage on my TV, not my appliances. They finally figured it out, and I do have coverage.” – Anonymous customer via Trustpilot

Terrible experience. Where’s my replacement oven? No one can tell me. Different story every time. Only thing that is consistent is, “you’ll have your replacement oven within 5 business days. It’s been a month! Be aware.” – Stephen A. via BBB

Our conclusion

Cinch Home Services is among the best home warranty companies in the nation with solid coverage plans and unique benefits. For many customers, its higher cost and lack of optional add-ons are more than made up for by what we consider to be the “Top Service Guarantee” in the industry and its discounts on new appliances.

We recommend that customers who want to take advantage of a top service guarantee get a free quote from Cinch by completing this quick form or calling 877-589-0505.

Alternative provider: American Home Shield

American Home Shield (AHS) is one of the most reputable home warranty companies in the nation. We ranked this provider at the top of our list of the best home warranties due to its comprehensive coverage, rapid claims response and generous coverage caps.

American Home Shield also serves one of the two states that Cinch Home Services does not: Hawaii. AHS is a quality alternative for Hawaii residents who are considering a home warranty, and it’s also worth getting a quote if you’re a homeowner who wants to compare costs with Cinch. For a free quote from American Home Shield, fill out this form or call 844-529-9298.

Do you need a home warranty?

Many complex appliances and systems are needed to keep your home properly running, including your hot water heater, dishwasher, HVAC system and many others. Unfortunately, these appliances and systems break down over time and are often very expensive to replace or repair.

The vast majority of Americans don’t have thousands of dollars in savings to pay for these repairs and replacements. So, how do they pay for them? A home warranty allows homeowners to pay a relatively small monthly payment and a trade service fee around $75 to $125 every time they need a repair. Because of the peace of mind that a home warranty brings, it is commonly bought by millions of homeowners. In 2019 alone, over 2 billion dollars were spent on home warranties in the U.S.

Our research team thinks that it is a good decision to consider a home warranty because of the financial protection it provides. Your warranty may not need to be used regularly, but when it is used, it will often save you a considerable amount of money and stress.

Our methodology

Because our consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to define our rankings of the best home warranty companies. The system takes several ranking factors into account, all based on data we collected from dozens of home warranty providers across the country.

Our ranking factors include:

  • Overall plan options (5 points possible, weighted X5)

  • Cost (5 points possible, weighted X5)

  • Trust (5 points possible, weighted X5)

  • Customer service (5 points possible, weighted X2)

  • State availability (5 total points possible)

  • Additional benefits (5 total points possible)

  • Coverage specifics (5 total points possible)

All company data is monitored on an ongoing basis so that all rankings and information remain up-to-date. Read the full breakdown of our ranking methodology for more information.

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