Cinch Home Services

Cinch Home Services Reviews

Cinch Home Services Reviews
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$30.99 to $93.99
Monthly premium cost
48 states
Availability
180 days
Labor guarantee
Starts at $75
Service fee
Overall Rating4.0 out of 5
See all 10,778 reviews

About Cinch Home Services

Cinch Home Services is a home warranty company currently operating in 44 states. It sells three home warranty plans with three different service fee options for flexible coverage and pricing. Cinch also has an online claims portal and a 180-day workmanship guarantee.

    Pros & Cons

    Pros

    • Three plan options
    • Three service fees to choose from
    • 180-day workmanship guarantee
    • Covers unknown preexisting conditions

    Cons

    • Somewhat high service fees
    • Not available in all states

    Bottom Line

    Cinch Home Services sells three warranty plans with flexible pricing options. While its service fees may be a bit pricey, Cinch’s comprehensive coverage and workmanship guarantee may make it worth it.

    Featured Reviews

    Verified
    Oxnard, CA

    The workmen Cinch provides are always very knowledgeable and courteous. ... We've been satisfied with their response. It's one thing off your mind, because when something goes wro...

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    Verified
    Elkton, MD

    The gentleman they sent to do the repair for the range hood was fine. But getting the right person to get the repair scheduled was a real pain. ... But once I got to the right per...

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    Cinch Home Services coverage and plans

    Cinch Home Services sells three home warranty plans: an appliances-only plan, a systems-only plan and a combination plan (Complete Home). It’s a pretty standard selection, but one standout feature is that it does include a $500 homeowners insurance deductible reimbursement as part of the combination coverage. Also, its plans cover mechanical failures caused by rust, corrosion or sediment.

    Appliances PlanSystems PlanComplete Home
    Clothes dryer
    Clothes washer
    Cooktops
    Dishwashers
    Food centers (built-in)
    Free-standing ice makers
    Microwave (built-in)
    Ranges
    Range exhaust hoods
    Refrigerators
    Trash compactors (built-in)
    Wall ovens
    Air conditioning (including ductwork)
    Attic fans
    Ceiling fans
    Central vacuums
    Doorbells
    Electrical system
    Garage door opener
    Garbage disposals
    Heating system (including ductwork)
    Instant hot/cold water dispenser
    Plumbing system
    Smoke detectors
    Sump pump
    Toilets
    Water heater
    Whirlpool/jetted tub (built-in)
    $500 homeowners insurance deductible reimbursement

    There’s also a long list of add-ons available starting at around $5 per month, including pool or spa only (heater included), pool with spa (heater included), septic tank/plumbing and well pump coverage. The company also sells a Premier Upgrade Package for an additional $12.50 per month at the time of publishing that provides additional coverage for permits, code upgrades and more.

    Each plan covers up to $10,000 worth of repairs or replacements within a contract year, although some systems and appliances have coverage limits. For example, the company will only pay up to $2,000 per covered kitchen and laundry appliance (including access, diagnosis and repair).

    Cinch Home Services cost

    Cinch Home Services offers three service fees — which you choose affects the overall monthly cost of your plan. The higher your fee, the lower your monthly cost. Choosing a higher service fee may be a good idea for homeowners who don’t expect to have a lot of service calls in a year but want to ensure they’re covered if they do.

    Those who may have more issues in a calendar year may financially benefit from a lower service fee, even if the monthly cost is higher.

    Service feeAppliancesBuilt-in SystemsComplete Home
    $100 $48.99 per month $55.99 per month $66.99 per month
    $125 $47.32 per month $52.32 per month $63.32 per month
    $150 $38.99 per month $43.99 per month $54.99 per month
    Note: Costs are accurate as of the time of publishing for a home in Houston, Texas.

    Cinch Home Services coverage exclusions

    Like most home warranty companies, Cinch Home Services has some plan exclusions. Its list is pretty simple and straightforward, with no big red flags. Here are a few of the key exclusions:

    • Routine maintenance
    • Items covered by any other warranty, insurance or guarantee
    • Failures caused by anything other than normal wear and tear, like mold, neglect, "acts of God," etc.
    • Costs of construction, code upgrades, modifications, disposal of old equipment and more
    • Commercial-grade appliances
    • Flues, venting, chimneys and exhaust lines
    • Items without a visible model or serial number
    • Recalled or defective items (as determined by Consumer Product Safety Commission or manufacturer)
    • Improper installation or repairs
    • Anything below the slab or basement floor

    It’s important to note that each type of repair has its own exclusions. For example, cooktops are covered, but the company won’t replace a cracked glass top that was “misused” or “abused.”

    For a full list of exclusions, check out your contract.

    Cinch Home Services claims and coverage limits

    You can either request service through your online account or by calling the company directly. In many cases, you can open the request and put in your preferred appointment time simultaneously to expedite the process. Once the request is in, Cinch will provide a referral to one of its service professionals (usually within two hours during normal business hours).

    The company doesn’t make any guarantees on when that service professional will schedule your appointment, however.

    All services are backed by a 180-day guarantee for workmanship. So, if something breaks down after your service but before this period has passed, Cinch will return and fix it for free.

    Coverage limits

    The following items or systems have a coverage limit per agreement term.

    Item or systemLimit per agreement term
    Central air conditioning/cooling system $1,500
    Septic tank/septic tank pumping $500 to pump, $1,000 to replace
    Heater for swimming pool and/or spa $1,000

    FAQ

    Is Cinch Home Services legit?

    With more than 40 years of experience, Cinch Home Services is a big name in the home warranty industry. Cinch backs up its work with a fairly long workmanship guarantee, and its plans include comprehensive coverage. It’s also easy to submit and track a claim through the Cinch online portal.

    What is Cinch Home Services?

    Cinch Home Services is a company that offers both home warranty and home protection plans. The company offers three different plans, each of which protects important items and systems in your home.

    How does Cinch Home Services work?

    You can get a quote for Cinch Home Services by filling out an online form or calling the company. After you’ve signed your agreement, you can begin submitting claims as needed on your covered appliances or home systems when they need to be repaired.

    Does Cinch Home Services require a home inspection?

    No, a home inspection is unnecessary to qualify for a Cinch home protection plan. Its plans cover all appliance makes and models and unknown preexisting conditions.

    Can I pick my own service technician with Cinch Home Services?

    Usually, the company selects its own in-network professional for service, but it may authorize your claim for work by someone out of network after some paperwork. Make sure to read your contract to see everything required before you go this route to ensure you’re covered when it comes time to get reimbursed.

    How long is Cinch Home Services’ workmanship guarantee?

    Each service comes with a 180-day guarantee on work. If a repaired or replaced system breaks down again during that time, contact the company directly.

    Does Cinch Home Services have an age limit on systems or appliances?

    Cinch Home Services covers all makes, models and ages of systems and appliances (included in its coverage list). Older models aren’t exempt from repair or replacement coverage.

    Where are Cinch Home Services warranties available?

    Cinch Home Services is available in all states except Alaska, California, Hawaii, Iowa, Massachusetts and Utah.

    How can I manage my Cinch warranty plan?

    You can create an account any time after you purchase your plan by visiting the customer login page on the company’s site. With your online account, you can request service, check service request status, download plan documents, update information and more.

    Cinch Home Services Reviews

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    Verified purchase
    Customer ServiceClaims HandlingCoveragePunctuality & SpeedRefunds & Payouts

    Reviewed Sept. 1, 2023

    Cinch Home Services is overall, a good company. We had to get our garage door fixed, and there wasn't any available to come here. We had one that was up the street, and it took forever for it to be approved. I didn't like that. Also, it used to be you could pick your service person. Because we like to stick with the same one. We don't want different companies coming in. Because as soon as we got a different person to come in to look at the central air, they quoted all kinds of stuff. The people we normally would get wouldn’t do that. So, we had them to come out again. That's why we like the service people that we are familiar with. And we don't have to deal with people that are coming out just to get us to get a new unit. But the policy now is we cannot pick who we want unless they don't have anybody else.

    The recordings are pain in the butt. It's ridiculous because we don't get to talk to a person right away. And sometimes the prompts do not take us to what we need. I don't like that we have to go this step to this step to this step just to get to where we need to go. The phone should be more personal where we could get ahold of a person and not be bounced around to one person to another. I dread making the phone call to get the process going. It shouldn’t be that way. Sometimes the ball is dropped. And that has happened a few times. I have a number to a supervisor. So, I try to give it some time. Also, I've had a couple of times I’ve put a claim in and not heard from anybody. They never heard that there was a claim. I don't like to think that I have to have a turnaround of 24 hours, but I would wait and find out my claim was never written up. But it used to be worse than it is now. It has gotten better.

    We had a company come out for a refrigerator two years ago. But the poor man couldn't even get on the floor. He's elderly to do the job. And he did the same thing with our washing machine. The man couldn't perform his job. You gotta be able to get down and do your job. I don't care how old you are. You could be 90. If you could perform your job, that's okay with me. It's about capability. That was the worst service we had. We just know not to go with them.

    Usually, I'm satisfied when the job is finalized. After the garage was done, I got a substantial amount of money back from the initial. It was $1,000. I got back 800 for the service being done. So, I've been satisfied as far as replacement. One year, we had two refrigerators replaced within a couple of months apart. So, after two or three tries, and they would say, “Okay. We give up.” I like that. If the appliance couldn't be fixed, they would offer us to get another one. So, I've been, on the most part, happy with them. I referred them to a couple of people.

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    Response from Cinch Home Services

    Dear Lucille, I’m sorry to hear that you experienced problems with our automated system. We are always working to improve our customer experience and we appreciate the feedback you provided. We will ensure it is provided within the organization in an effort to improve future interactions. Thank you for being a loyal customer for 22 years!! Sincerely, Christine

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      Verified purchase
      Customer ServiceTech

      Reviewed June 18, 2023

      My air conditioner broke in October of last year and I didn't call right away because I didn't need it anymore. So, I called Cinch in February and I said, "My air conditioner broke last year, central air conditioner unit. You know, the outside box wouldn't come on." I didn't call because I didn't need it, but I was assuming that, eventually, they might get busy and I wanted somebody to look at it before May. There would be a $125 charge, and then they would give you the name of a vendor to call. So, I called the vendor and the guy came out on a day at the end of February. It was probably 68 degrees. He looked at the air conditioner and said, "Oh, this is old." I said, "I know it's old. It was here when I bought the house in 1998." I just had it serviced once, and the guy told me to never get rid of it until it can't be repaired. It's a Lennox. It's a great air conditioner. So, I would rather fix it if I could fix it.

      The guy said, "Oh, we can't turn on an air conditioner until it's been 72 degrees for longer than 10 days. So, I don't know why they sent me out here, but I can't do anything today." So, I asked him if he would reschedule when it's more than 72 degrees for 10 days, and he said he didn't know. Three weeks went by, nobody called me. So, I called the company and they said, "Our policy is that it has to be 72 degrees for 10 days." They were never gonna send somebody out again unless I called and I owe them another fee. So, I asked the woman, "Really? Is that a trick that you don't tell the person calling? 'It's not a good time for you to call, wait until it's 72 degrees,' that you actually send somebody out and then they don't do anything?" She insisted that that is how they do business.

      So, I called Cinch. I just got the information that they took over. The woman said, "I will have somebody more local come out to you." She gave me a phone number. She told me to call them because I was a little annoyed about it. Then 15 minutes later, the guy from the company called me and told me that Cinch contacted him. He came out the next day, and he said it was a compressor issue. He put the part in. I asked him if I owed him the service charge and he said Cinch told him that they would give him the service charge just to come out and fix my unit, and he went home. So, Cinch really did a good thing. Then somebody from the other company called days later and apologized and said that they would send somebody else out. I said, "It's okay. Cinch already sent somebody else. There is no reason for you to come back." So, my experience with Cinch was a good one.

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      Response from Cinch Home Services

      Dear Katherine, We're sorry to hear about the issues you encountered with your air conditioning claim. Ultimately, our goal is to make managing home repairs easy and we are pleased to hear that you are overall satisfied with your service. Thank you for sharing. Sincerely, Christine

      Verified purchase
      Customer ServiceClaims HandlingCoverageTechRefunds & Payouts

      Reviewed June 9, 2023

      We had a problem with TotalProtect initially because I did not totally understand the process. There were so many things that we thought we were gonna get with repair. But we did not get them. In addition to that, the company that did the work sent in an invoice of what he had not completed. So, we talked and talked and talked and they in turn made that $1,000 good. Then I increased my coverage to a better coverage where we'll cover all those little incidentals that they didn't cover the last time. Submitting the claim online is great. I would normally do my claim online, and then if I had any questions, I would call back to get a live representative. Because sometimes, it's hard to explain your concerns online.

      When I had to email Cinch for a claim one night and I paid them $115, I got a call from a serviceman the next morning. Then they were in the next day and fixed my dishwasher and they were gone. It was excellent service. But I had a claim where I had a total of three companies that came out and in my opinion, each of them were fly-by-nighters. But it was not Cinch's fault. I even wrote them an email and told them that they had to be very, very careful about who they sanction as a representative of their company because it gives the company a bad name.

      I had a serviceman that Cinch sent out and he was a very nice guy. He said, "May I use your bathroom?" I said, "Well, of course, you can." So, he went to the bathroom and he stayed approximately one minute and 13 seconds and he came out and said, "Let me show you something. Come here for a minute." So, I went in and he cut the water on in the face bowl. He said, "See how much pressure you have. I tore this down and I cleaned it out and I put it back together and that's why your water pressure is up." The valve in the basement controls the water pressure. It was low. But when you flush the toilet, while the toilet is filling up, the water pressure at your face bowl is gonna be low. When the bowl fills up, your pressure's coming back up again. I didn't wanna argue with him, so I just let him go. But when I shared that with the vendor, they said, "He would not have done that."

      The vendor that came out for my heat exchanger put in a piece of PVC and they stripped it where it wasn't put in correctly. It filled up and leaked all over my basement, my attic, and ruined the ceiling in my kitchen. That's been five years ago and I still have the piece here somewhere to remind me never to call this guy for anything.

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      Response from Cinch Home Services

      Richard, We strive to be clear and upfront about the coverage we offer to eliminate the complexity and confusion. We love feedback from long-time customers and appreciate you taking the time to share your home warranty experience! Sincerely, Angela

      Verified purchase
      Customer ServiceClaims HandlingCoverageTechPunctuality & Speed

      Reviewed May 5, 2023

      I moved in to the house April 1st. Shortly thereafter, once I got settled in, I found four problems. One was with the dryer. Another was with a dishwasher. One was with the stovetop. And the other was with the pool heater. Cinch Home Services did all the stuff. They were responsive with them. Because everything was simple repairs. Replace a part. I had appointments the next day to have the guy come out.

      I got a text saying my technician is coming back out to replace the control panel in the stovetop. It tells you who my technician is and that he is expected between 8:00 to 5:00. I got that yesterday. And this morning, I got an update saying, "He's five stops away. It'll be 1:27." So, Cinch is good about updates because he's expected to get there at 3:14. And he can't replace the parts. He has to get approval. He had the part for the dryer, and he was able to replace it. So, it's a one stop deal. The dishwasher was something stupid. The previous homeowner got a new garbage disposal and never took the plug out when he hooked up the dishwasher. So, the dishwasher would not drain. That was a simple fix. And the stovetop was also simple, but the tech had to get that part ordered because he doesn't carry those. Parts came in, and he's coming out today to install.

      But when it came to going online to address my pool heater, Cinch didn't have a pool option. But that's one of the services they cover. So, when I called Cinch's 800 number, they tried to direct me to go online to address and file claims. Which is fine and dandy because online they have is it an appliance, a kitchen, a dishwasher, but they didn't have a category for pools. And the pool is one of the covered services. So, it complicated things.

      I had to call, wait until I got ahold of somebody. Called about the pool heater, and they didn't have anybody in the area that could service it. So they said, "Go find your own, we'll reimburse you." I called one. They came out and looked at the pool heater last Friday. And they said, "Yup. It's not repairable 'cause it's a gas pool heater. The manifold and the gas tubes are rusted out. So we have to replace the system." They sent me the invoices saying the diagnostic thing, "Hey, yup." And they did that Monday.

      Monday I called Cinch and asked what they needed me to do because I figured I had to get pre-approval before they would authorize replacing the $4,400 pool heater. They said, "Yup." So I emailed them Monday with the information. And I got an email yesterday saying they need additional time to look at my claim, and they would let me know if they need additional information. It's all good because it was through the service they use. It was quick and easy. But because now I've had to go out on my own to find this, that's where I have a concern about, "Are they going to fight me on having to replace this system?" But it's straightforward.

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      Response from Cinch Home Services

      Dear Louis, We aim to deliver quick and reliable service, and understand how stressful these type of situations can be. We’re pleased to hear the provider was able to get your appliances taken care of right away. We regret you experienced difficulties with our online system while requesting service on your pool heater. Unfortunately, we have limited availability in your area to service the request. The approval/reimbursement amount will be based on the terms and conditions of your policy. In this case, there is a cap limit of $1,000 for any work performed on the pool heater. This information can be found in the agreement which was provided to you upon enrollment of the plan. Should you need further assistance, you may send an email to erelations@cinchhs.com and a team member will follow up with you personally. Sincerely. Christine

      Verified purchase
      Customer ServiceCoverageTechPriceRefunds & Payouts

      Reviewed Dec. 11, 2022

      When we turned our furnace on and when we turned it off and on, it clunked. The guy Cinch sent out looked at my furnace and said, "You got some kind of a flame sensor." He said that was bad. He pulled it out and showed it to me. There was a little wire, and he wanted $380 to fix it. It was an outrageous amount, so I said, "No, I'm not gonna do that. I'm gonna call the warranty company." Cinch sent out a company from down in Miamisburg, which I live outside of that, and I had to pay the guy 150. He was the guy that gave me all that song and dance about that, and I was dissatisfied with that. I'm not even sure there was anything wrong with what it was that he was looking at. I'm not sure that guy wasn't trying to stick me with a big bill.

      On the other hand, I was very satisfied with the work I had done for a garage door opener. I called a company out to look at it, because I didn't think it was a warranty issue. That company charged me $100 twice just to come out and look at it. First time, they didn't fix it. The next time they came out, they did whatever they did, then they wanted put a whole new thing, so I said, "Forget it." I called Cinch, then they came out and fixed it. They did a good job. The thing wasn't working and they said, "Couldn't repair it," so they replaced it. I was very happy with that one. However, I learned a lesson on this. I'll never call anybody other than Cinch, but they raised their deductible up to 150.

      We're Realtors, and we use Cinch all the time. The disadvantage is on some things, people need something instantaneous. They gotta fix it now. They can't wait for a part. Right now, for example, I have an air conditioning unit that's at least 25 years old. It works fine, and I've had it checked every year, but that may not even be compatible with the new furnace we put in. If my furnace went out on January 1st, I can't wait for three weeks to get a new furnace. One issue we had was two months for a part to come in. We had another claim, for a microwave oven, and they couldn't get it fixed for four months. The home warranty company sent us a check for 350 and told us to get it fixed, because we could get another company here to fix it for 350.

      I am generally satisfied with Cinch. The only complaint in selling them is some Realtors say things they should never say. They lead people to believe that, "Oh, if this breaks, you get a new one. If this goes out, you get a new one," and people's expectations are awfully high. That's not the way it works. People pay 150 bucks, the home warranty company sends someone out, and if they can fix it, they fix it.

      My wife had almost insisted that everybody get a home warranty, but I don't do it, because if anything goes wrong with Cinch, they start blaming me. However, I tell people it's a good idea if they want to get it. If something major goes wrong with their house, they have a warranty. I would give Cinch good marks as any of the other companies. Also, I like the agent that's in charge of this area. She's cute, really helpful and does a nice job.

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      Customer ServiceCoverageRefunds & Payouts

      Reviewed Oct. 28, 2023

      We had a single-family, four-bedroom home that came with a home warranty program and when the year came up, we thought we no longer have a home warranty program. We got a renewal in the mail and it was from HMS, and much to our surprise, we could renew it. We decided the house was big enough and there was enough electrical stuff in the house that it might be worth it to keep the home warranty program. So we did. Occasionally, when something comes up, it's nice to have insurance that covers whatever breaks. So, we just hung on to it. At the 15-year mark, we moved. We sold our house and because we liked the home warranty program, we insisted that the sellers provide us with the home warranty program. And they did. So they paid for the one year and then we've kept it going since.

      We have a $200 deductible and for some repairs, we've had to pay $200 that maybe we could have gotten for less. But for the most part, we can't have a service guy out here for much less than that anyway. And if you have a major problem, it's nice that we only have to pay a deductible. So, it's a peace of mind. And in the long haul, it'd probably save us money. Some people are handier than others but we don't happen to be so we're gonna have to call a service guy out one way or the other when something breaks. We had our air conditioning go out as well as our HVAC system at the other house. So, we've had some major expenses and we've only had to pay the deductible.

      One thing I don’t like is when they’re making decisions about repair. There comes a point at which it needs to be replaced. I haven't had to yet, but I don't wanna keep paying $200 to have the same appliance go out because Cinch hasn't made a decision that it needs to be replaced. We got a home inspection at our new house and there were some things that were getting toward the end of their useful life. They haven't gone out but in the event they do, I’m wondering how many times Cinch is gonna send the repair guy out before they say this calls for a replacement. And probably, if that happens, that could be a big dissatisfier. When some appliance gets to be 20-plus years old, there's not a lot of sense in putting a lot of repair into it.

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      Response from Cinch Home Services

      Dear Patricia, We appreciate your dedication to our company, and for taking the time to provide this feedback. We hope to be able to deliver the same great service you’ve come to expect from us for many more years! Sincerely, Christine

      Verified purchase
      Customer ServiceCoverageSales & MarketingPunctuality & SpeedRefunds & Payouts

      Reviewed Oct. 27, 2023

      After I learned the way Cinch worked, it was better. I had a claim last year for a water pump and they told me I had things hooked to the lake towards the irrigation system for the yard. I had placed a new part to it. I called the company that installed it 15 years that got experience with it and paid them. I submitted the bill to Cinch and they said I was supposed to call them first. I asked if they were gonna reimburse me this amount that I paid over the deductible and they said no and that they didn’t have the pump on there. It wasn’t my fault. Their sales rep said it was good.

      For this year, about a month ago, I called Cinch and told them I needed someone out here. The air conditioning was not running. It was still a little warm about four weeks ago. The rep gave me the name of the company and the person, and they said the person can’t come out until October. I told them to get somebody else that's on their list. And they did. A nice lady from a local firm came out. The company they recommended gave me top-notch service. The lady was there for about an hour, fixed the air conditioning and had to replace the part. If anything happens to the air conditioning, I'll call Cinch first, but I'll say it is the company I wanna use and that they still work with them.

      Cinch is a good company. It's just they didn't explain it or highlight it in their plan that I must call them first to schedule. This is my second year with them. It was $61 and it went up to 84.66. The policy has the things I told the lady about when I first signed up. I got a refrigerator freezer and two mini freezers in the garage, separate units, little storage freezers and the refrigerator in the kitchen. I wanna make sure that the water pump is in the plan. I get some Dominion Power all the time and if they had to replace my wires, my homeowner's insurance does not cover it. I got it for $5 through Cinch and something else to replace any sewage pipes or water. I told them they better be careful because I got a new ground water system. So, they better know how to dig around it. If they damage that, they're gonna pay for it. Cinch was good because I can wear a person out sometimes in a polite way. But they finally got me the right thing for the second go-around.

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      Response from Cinch Home Services

      John , We are committed to be there for our customers when they need us by providing trusted technicians to service claims. Ultimately, our goal is to make managing home repairs easy and also follow up to ensure the item has been repaired. We are pleased to have met your expectations and hope for many more years of partnership. Sincerely, Christine

      Verified purchase
      Customer ServiceClaims HandlingTech

      Reviewed Oct. 26, 2023

      I had to file a claim to Cinch on my furnace and my air conditioner. They sublet it out to Sears. Cinch doesn't control the technicians, but I did have quite a bit of issues with Sears, and Cinch was not able to find anybody else in my area to take care of it. So they kept sending Sears, even though, at one point, the technician for Sears pulled up, took a photo of my house, and said I wasn't here and left. I was not very happy. I finally got on the line with Cinch again, and the earliest that I could get in was a week and a half later to get somebody else from Sears to come back out. So the claims process, not on Cinch's side, but on Sears' side has been atrocious. It's not something that Cinch is doing. The customer service with Cinch was okay. It was kinda hard to get ahold of somebody to talk about what was going on. But whenever I did get ahold of someone, I was able to talk them through what was going on, and they were able to work through it with me.

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      Response from Cinch Home Services

      Dear Camaran, We appreciate you taking the time to share your warranty experience. We do our best to provide quick and reliable service and we thank you for being a loyal customer. We are sorry to hear that your interaction with one of our service providers was less than satisfactory. We're glad to hear our customer service team was able to address your concerns. Thank you for sharing. Christine

      Verified purchase
      Customer ServiceClaims HandlingTechPricePunctuality & SpeedRefunds & Payouts

      Reviewed Oct. 26, 2023

      Submitting a claim to Cinch has been miserable. They have an online system in which you submit your claim and you would think, "Oh, that's simple and easy." You have to have the serial number that's on your unit, and that makes sense. The problem comes in if you're someone like me and if you have two units. You have to submit two different claims for two units even though it's only one service call. You're only supposed to pay the initial fee for them to come out but because you have to submit two, they will then schedule you two different appointments for the same problem and they charge you twice, which is what they did for me. They charged us twice for something they were only supposed to charge us once for, which I found out later.

      I had to spend several hours speaking with them on the phone, across multiple days to get it straightened out. When I did get it straightened out, they said, "Well, you have to submit your claim via the phone," and it is extremely difficult to get a hold of them. If both of our units have a problem, we have to call them. Even when we did that, they still filed the claim wrong. When we finally did get a technician, he said, "I have one service request for one unit, even though both of your units are broken and you paid to have both looked at."

      What happened was we submitted our request for our unit because it was broken. This wasn't Cinch's fault, but the gentleman went to the wrong address. So, he didn't service our home, and they couldn't get us back on the schedule for like a week or two. I took off work so I could be there, and no one showed up. I was angry. I called them and said, "Hey, I don't know what happened. Nobody showed up." "Okay. Well, we don't have an appointment for you in our system even though you spoke with someone that scheduled it."

      I've called out of four days of work to get someone to come out to our home and check our unit, and they kept telling me I have an appointment scheduled for this day, at this time, with this company and the person didn't show up. I received a call at 5 o'clock from Cinch saying, "Okay. We have your appointment scheduled for Thursday at 5 o'clock." I said, "Well, ma'am, it's Wednesday at 5 o'clock and you told me it was today. I can't keep taking off days of work for you." I missed a total of a week and a half of work for appointments that they kept telling me existed and didn't. So, I missed out on that much of my pay, which is really hard on my bills.

      When they finally got a gentleman to our home, the gentleman tried really hard to fix our unit. He was very kind. The problem was that our unit didn't have the serial number stamped into the metal. So the gentleman said, "I'm so sorry. The unit you have, I can't fix it. We can't just put random amounts of coolant in here and hope it works because it could blow up." I was like, "Okay, that makes sense." My pipes had burst on my unit, and he couldn't replace them. So I said, "Okay, that's fine." He said, "We'll contact Cinch. They should be with you tomorrow. They'll contact you in 24 hours."

      A week went by, and I didn't hear anything from Cinch. I didn't hear anything from anybody. I had to call Cinch. I kept having to leave them messages. No one could help me. I had to sit on the phone with them for over two hours. I had to get raised up four supervisor levels to speak to somebody who finally knew how to help me, and what they told me was, "Well, we have to have another person come out and verify that they don't know what your unit is or what is wrong with it." I said, "Fine. If that's what it is, then that's what it is." We're in the hottest heat wave that we've had in years, and I have a heart condition that makes me pass out in the heat. I can't live in my own home at this point. It's making it hard. I've told them I can't go up my stairs, which is where part of my things are in my home because I'll pass out, fall down the stairs, and could break my neck.

      They got a gentleman to come out the third time and he confirmed, "Yes, we don't know what's wrong with it." They were able to get my smaller unit, which is upstairs, fixed. So, we have some cool air but my bedroom and stuff are downstairs. So, all of my living stuff is downstairs and it's not a good thing for me to go up and downstairs again in the heat. They said, "There's nothing we can do. We can't call it an emergency. You have at least one unit working."

      I called them and I was like, "Okay. So what are my options? Because you had somebody confirm that you don't know what our unit is and you have to replace it." I finally spoke to a woman and she said, "Well, you have two options. You can have the buyout option, or you can have the replacement option. Which would you like?" I said, "I don't understand. Could you explain my options a little more?" She said, "You have a buyout option and you have a replacement option. Which would you like?" I said, "Ma'am, could I get a little bit more details? Can I know what's the price range for the buyout?" She said, "I can't get you that information." I said, "Okay. Well, can you just read my contract to me? Can I just have you send me a copy of my contract?" "I don't have that." "What do you mean you don't have a copy of my contract in your computer system, ma'am?"

      The lady told me she didn't have a copy of my contract in their computer system. It's horrible. I haven't reported them to the BBB, but I very much want to. This woman then kept telling me, "Well, I'm gonna send you the paperwork for the buyout." I said, "Ma'am, I just wanna confirm with you, I'm not choosing that option. I just wanna know more about it before I pick one." She said, "Okay. So I'm gonna send you all the paperwork to fill out for the buyout option." I said, "No, ma'am. I just want a copy of my contract. I wanna know the details for what my options are. Can you just send that to me?" She said, "Well, it's gonna take me 3 to 5 business days to send it to you via email." They never sent it. I never got a copy of my contract from them. It was insane. I finally had to hang up on her because she kept trying to get me to choose the buyout option and couldn't tell me anything about it.

      I went a total of four months without air conditioning in the heat. I didn't have air conditioning the entire summer because of this. My health condition made this very hard. I was falling and getting bruises and hitting my shoulders and my hips. My hips have bruises on them from where I was falling because I was passing out. I had to place my animals elsewhere because it was so hot in my home. It was bad. I kept telling them this, and finally, I made some progress with someone. I had to yell at some poor lady over the phone and she was like, "Well, we're gonna try to replace your unit." I was like, "Okay, that sounds great. Please replace our unit.”

      They sent us the bill and they were like, "Oh, it's $1200." I said, "Ma'am, we paid extra for certain things that are on this bill so that we didn't have to pay for it." We paid extra on our plan for removal service and we had to pay the removal fee. We had to pay for the concrete pad. We had to pay another $1200. It was $700 for our policy and $400 for them to come out for one service call, even though it's supposed to be 200. They took the other 200 and put it somewhere. I kept asking for a refund. I never got it. Apparently, they had reallocated that money to a downpayment for the guy to come out and start to remove it. but that is not the fee for removing it.

      The $1200 does not get any deduction from the 300 for the gentleman to come out. That's just an initial deductible. Then I pay the full $1200 past that. So that was insane. They never told me that they put the other $200 towards that and just kept telling me, "Well, we'll send you a refund. We'll send you a refund." They never sent us a refund and never explained that to me. Someone else at the very end after everything had to explain it to me.

      It was one of the most horrible experiences I've ever had in my life. The gentleman they had replacing our AC unit helped me the most. I cannot speak more highly of that man. He was calling me from the hospital while his wife was getting surgery for cancer to explain to me how Cinch Home Services works because Cinch couldn't do it. Cinch helped us one time before and it was very easy. We sent in a request, and a gentleman came out and fixed our AC. Life was good and that was why when we called them the second time, we were like, "Oh sure, this will be easy. They'll come out get it fixed. Life will be good." Four months later, we went through hell.

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      Response from Cinch Home Services

      Harley, We’re sincerely regret that this was your experience. This definitely does not describe the level of service we aim to provide to our valued customers. We were able to locate your account and will review your claim experience in detail and follow up with you personally to address your concerns and ensure your claim was resolved based on the coverage you retain. - Christine

      Verified purchase
      Customer ServiceCoverageTechPunctuality & Speed

      Reviewed Oct. 26, 2023

      It's been over a month since my hot water heater went out and the plumber let Cinch know that it needed to be replaced. But I've been back and forth with Cinch and with the plumber. I didn't call them today because it's to the point where you just get frustrated as a consumer and I'm tired of dealing with them every day. So, I'm not gonna renew with Cinch when it's time because I'm not getting the response that I need when something breaks. This is major. But if it would have been something like my air conditioner on a hot point in the year and not getting any kind of response or urgency on their part to get it repaired, it's annoying. I pay good money to come through and have a home warranty and have my stuff covered.

      It happened before with my dishwasher. I waited for a part over a month also. And at some point, we have to stop using COVID as an excuse. I'm in the workforce too and I know that you just can't go through that, and every time use COVID. Staffing is back at capacity now. It's not like it's a big problem and we can get different parts now at ample time. Not like it was before. So that excuse has played out. I'm not happy with Cinch. They take my money when it’s time to renew and I pay them on time. If I have a problem, I gotta pay upfront first. They should do a better job and people will stick with them. Nowadays, people have other choices they can make. They don't have to just stick with somebody who's not giving them the services that they're paying for. They'll take my money and not give me the services that I'm entitled to.

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      Response from Cinch Home Services

      Dear Jerry, We regret to hear this is the experience you have received during your water heater claim. Please know, we would never intentionally delay the resolution of any customer's claim and apologize for the inconvenience caused. I've located your account and will have a team member reach out to you directly to address your concerns. Sincerely, Christine

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      Cinch Home Services Company Information

      Social media:
      Company Name:
      Cinch Home Services
      Company Type:
      Private
      Year Founded:
      1978
      Address:
      4700 Exchange Court, Suite 300
      City:
      Boca Raton
      State/Province:
      FL
      Postal Code:
      33431
      Country:
      United States
      Website:
      www.cinchhomeservices.com

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