Is Cinch Home Services a good home warranty?
Cinch stands out for covering unknown pre-existing conditions and a long workmanship guarantee, but its service fees run higher and its HVAC cap is low.
- Our score: 4.1/5 (Best for Unknown Pre-Existing Issues).
- Price: about $31-$67/mo (varies by ZIP and fee tier); service fee $100-$150.
- Availability: 47 states (not AK, CA, HI).
- Coverage caps: A/C & heating $1,500; plumbing $1,000; appliances $2,000; $10,000 per term.
- Stands out for: covers unknown pre-existing conditions.
- Our top-rated provider is Liberty Home Guard (4.8/5), available in all 50 states and DC with fees from $65.
- Covers unknown pre-existing conditions
- 180-day workmanship guarantee
- Rust and corrosion coverage
- Higher service fees ($100-$150)
- Lower HVAC cap ($1,500)
- No roof coverage option
Cinch Home Services at a Glance
| Cinch Home Services | |
|---|---|
| Monthly cost | about $31-$67/mo (varies by ZIP and fee tier) |
| Service call fee | $100-$150 |
| Coverage caps | A/C & heating $1,500; plumbing $1,000; appliances $2,000; $10,000 per term |
| Waiting period | Typically 30 days |
| Workmanship guarantee | 180-day workmanship guarantee |
| Add-ons | Limited |
| Availability | 47 states (not AK, CA, HI) |
| In business since | 40+ years (formerly Cross Country Home Services) |
| Third-party ratings | 4.25/5 on ConsumerAffairs (500+ reviews) · 3.5/5 on Trustpilot · BBB grade B |
Cinch Home Services Plans and Pricing
Prices vary by ZIP code, home size and the service fee you choose.
| Plan | What it covers | Price |
|---|---|---|
| Appliances | Washer, dryer and major kitchen appliances | varies |
| Built-In Systems | Heating, cooling, plumbing, water heater, garbage disposal | varies |
| Complete Home | Both plans + up to $500 homeowners-insurance deductible reimbursement | varies |
How Cinch Compares to Our Top Pick
| Cinch Home Services | Liberty Home Guard (#1) | |
|---|---|---|
| Our score | 4.1/5 | 4.8/5 |
| Monthly cost | about $31-$67/mo | $44.99-$54.99/mo |
| Service fee | $100-$150 | $65-$125 |
| Availability | 47 states (not AK, CA, HI) | All 50 states + DC |
| Add-ons | Limited | 40+ optional add-ons |
| Coverage caps | A/C & heating $1,500; plumbing $1,000; appliances $2,000; $10,000 per term | $2,000 per item for most systems & appliances |
Read the full Liberty Home Guard vs. Cinch Home Services comparison →
Frequently asked questions
How much does Cinch Home Services cost?
Cinch Home Services plans cost about $31-$67/mo (varies by ZIP and fee tier), with a service call fee of $100-$150.
Where is Cinch Home Services available?
47 states (not AK, CA, HI).
What are Cinch Home Services's coverage limits?
A/C & heating $1,500; plumbing $1,000; appliances $2,000; $10,000 per term.
Is Cinch Home Services better than Liberty Home Guard?
In our ratings, Cinch Home Services scores 4.1/5 versus 4.8/5 for Liberty Home Guard. Liberty is available in more states (all 50 + DC), offers more add-ons (40+) and has service fees starting at $65. See the full comparison.