Cinch Review

Cinch offers affordable and reliable home warranty services for your most important appliances and systems 鈥
Fact-checked with 极速体育直播极速体育直播.com 鈥
No caps on most appliances and systems
Comprehensive coverage
180-day workmanship guarantee
Free first month

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Cinch offers home warranty services for an extensive list of appliances and systems. Customers can get coverage on anything from their washer/dryer to their built-in whirlpool tub.

Depending on your needs, there are three different plans to choose from that are affordably priced. Customers can also choose between a $100, $125, or $500 deductible. Keep in mind that rates vary by area and coverage, so it鈥檚 important to specific to your situation using the online tool.

Cinch Overview

  • Plan types: Appliances, Built-in Systems and Complete 极速体育直播
  • Pricing: Monthly plans range from $65.99 – $84.99
  • Service fees: $0, but all services require a deductible payment upfront
  • Workmanship guarantee: 180 day guarantee
  • Contract length: One year
  • BBB rating (Letter): B+
  • 极速体育直播 inspection required? No
  • States served: All states except Alaska and Hawaii
Plan Type
Built-in Systems
Complete 极速体育直播
Monthly Premiums $65.99/month* $69.99/month $84.99/month
Appliances Covered
  • Dryers
  • Washers
  • Cooktops
  • Dishwashers
  • +8 more (see below)
  • None All from appliances plans
    Systems Covered None
  • Air Conditioning
  • Garage door openers
  • Garbage disposals
  • Smoke Detectors
  • +12 more (see below)
  • All from built-in systems plan

    *Prices vary by location and coverage – sample data was taken from the online quote tool.

    Who is this best for?

    Cinch is a great home warranty company for homeowners that want to save money on coverage. Because the service limit is $10,000 for every plan, Cinch may not be the best option for people who have outdated appliances and systems that might need repairs more frequently.


    • Pricing varies: Cinch鈥檚 plans aren’t the highest in the industry, and can be paid monthly or yearly. Customers can choose a deductible between $150-$500 depending on their budget and the state they live in.
    • Extensive coverage options: Even at a low price, Cinch covers an extensive list of household appliances and systems.
    • Service guarantee: The company honors a 180 day service guarantee on all repair work.


    • Low coverage limit: Cinch will only cover up to $10,000 in repairs to your systems and appliances, which means you might not be able to fix everything you need to.
    • Coverage doesn鈥檛 start immediately: After purchasing your plan, there鈥檚 a waiting period before you can request service.

    The Competition

    States served
    All states except AK and HI
    All states except CA and WA
    Reviews rating
    Service fee
    Workmanship guarantee
    180 days
    90 days for parts, 30 days for labor
    30 days
    30 days
  • Online quote generator鈥
  • Extensive coverage options鈥
  • No service fee鈥
  • First month free offer鈥
  • Add-on coverages鈥
  • Flexible pricing鈥
  • Flexible coverages鈥
  • Choose your service fee鈥
  • Available nationwide鈥
  • Optional coverages鈥
  • Affordable prices鈥
  • No coverage limit鈥
  • *All information accurate as of February 2020.

    Cinch Compared to Choice 极速体育直播 Warranty

    Generally speaking, Choice 极速体育直播 Warranty offers better coverage options because customers can customize their plan based on their needs. For example, Choice 极速体育直播 Warranty provides coverage for a second refrigerator, well pump, roof leak or pool, which aren鈥檛 offered by Cinch.

    Looking at the price, it鈥檚 hard to compare the two. Both companies offer affordable plans, but Cinch charges customers differently based on their location. For Choice 极速体育直播 Warranty, it鈥檚 a flat fee regardless of the state. Choice 极速体育直播 Warranty runs a 鈥渇irst month free鈥 deal when you purchase any new policy. However, they also charge an $85 service fee, which is expensive when you consider that Cinch doesn鈥檛 charge one at all.

    Lastly, Cinch has a better workmanship guarantee. The company offers a guarantee on both parts and labor for 180 days, whereas Choice 极速体育直播 Warranty only offers a 90-day guarantee for parts and 30 days for labor.

    Further reading: Choice 极速体育直播 Warranty Full Review

    Cinch Compared to American 极速体育直播 Shield

    Right off the bat, one of the advantages that American 极速体育直播 Shield has over Cinch, is that it鈥檚 available in every state. Like Cinch, American 极速体育直播 Shield also offers three plans鈥攐ne that covers appliances, one for systems, and one for both. In addition, American 极速体育直播 Shield also offers a build your own plan option for completely customized coverage.

    When it comes to service fees, Cinch has a leg up because they don鈥檛 require one unless additional labor is needed above and beyond basic services. However, American 极速体育直播 Shield provides a service fee based on the cost of the customer鈥檚 plan. Customers with a more expensive plan pay less, and those with a cheaper plan pay more.

    The major drawback to American 极速体育直播 Shield is their service guarantee鈥攊t鈥檚 only 30 days, which is pretty low compared to other providers on the market. Cinch offers a 180-day service guarantee, which is great for customers, even if they鈥檙e paying more.

    Further reading: American 极速体育直播 Shield Full Review

    The Bottom Line

    With affordable prices, no service fee, and a solid 180-day guarantee, Cinch is a great home warranty provider on all fronts. The company offers extensive coverage options and a variety of plans to give you peace of mind knowing that your appliances and systems are covered. Keep in mind that Cinch does have a $10,000 limit, so it鈥檚 best suited for people who don鈥檛 have old appliances or home systems that may require more frequent or extensive repairs.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is a Rhode Island-based copywriter and content marketing consultant. She has expertise writing about home, auto and business insurance, and has been published in widely-read publications, including the Simple Dollar, Bankrate and Decision Data. Elizabeth holds a BA in Communications from Northeastern University in Boston.

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