What is a Cinch home warranty?

It's an annual service plan that helps cover the cost to repair or replace your essential appliances and systems when they break down from everyday use  no matter how old they are. Not only can it save you money, it also eliminates the hassle of finding qualified service pros because we've done the vetting for you.

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$120 deductible applies to all plans.


    Covers larger appliances:

    • Built-in Kitchen Appliances
    • Refrigerators
    • Clothes Washer and Dryer
    • Plus, get your first month free1

    View sample annual contract

    Built-in Systems 

    Covers major systems:

    • A/C and Heating Systems
    • Electrical Systems
    • Interior Gas and Plumbing
    • Plus, get your first month free1

    View sample annual contract


    Complete Home

    Combines both plans, plus more!

    • Larger Household Appliances
    • Electrical Systems
    • A/C and Heating Systems
    • Interior Gas and Plumbing
    • Plus, get your first month free1

    View sample annual contract

    How does it work?


    When a covered item breaks down, request service anytime online or by phone and pay your preset deductible.


    We'll find a pre-screened service pro to diagnose and remedy the problem. If it can’t be repaired, it will be replaced.


    We help pay the bill and your covered repair is guaranteed for 180 days. It's that simple.

    What else is included?

    Discounts on brand-name appliances when you're ready for an upgrade

    Locksmith reimbursement protection up to $50 per year

    A $25 credit to use toward filters for your A/C or fridge

    A digital dashboard you can use to request service 24/7 from anywhere

    Coverage for all appliance components and parts like knobs, doors and drawers

    Restrictions apply.

    Easy-to-read plan documents so you know exactly what's covered

    Frequently asked questions

    Is it worth it to have a home warranty?

    Unlike homeowners insurance, a home warranty plan covers the cost of repairing or replacing major appliances or systems in your home. Whether you’re dealing with problems caused by normal wear and tear or a surprise breakdown, a home warranty could cover thousands of dollars of expenses.

    What if my appliances and systems are old?

    It doesn't matter how old your covered items are. If they are working when your home warranty plan goes into effect, you're covered. For complete details, see the General Exclusions and Limitations section of the sample annual contract.

    What is NOT covered?

    Other non-mechanical items in your home, like the roof, windows, walls and doors, are typically not included in protection plan coverage. Also, if a covered item was improperly installed or repaired, your plan will likely not cover it. For complete details, see the General Exclusions and Limitations section of the sample annual contract.

    When does coverage begin?

    There is a waiting period from the time you purchase your plan to when you can request service. You'll be advised exactly when your coverage begins before you complete your purchase. In addition, your confirmation email and plan documents will include this information.

    Is it easy to cancel?

    We hope you’ll stick around, but know that you can easily cancel your plan online, by phone or in writing, anytime. 

    What is a deductible?

    Similar to an insurance deductible, this is the amount that you pay out of pocket. The deductible is collected at the time of service request.

    How do I request service?

    You can request service anytime — 24/7!  MyAccount registration is free and allows you to easily request service or manage your Cinch plan online. You can also request service by calling (888) 409-3803.

    How do you choose your service pros?

    Every service pro in our network has undergone an extensive screening and selection process, which includes background and license checks plus verification of active liability insurance. We also continuously monitor and score them based on customer feedback.

    Why choose Cinch?

    Homeowners nationwide count on us to keep their homes running year round.

    Cinch is accredited with hundreds of
    5-star reviews.

    We guarantee our work for six months — at no additional cost to you.

    Real stories, real customers

    "I put in a claim for dryer service and it turned out really good. The tech came and fixed the problem on the spot so I was happy with that."
    - Pete of Norwalk, CA
    "Their customer service was excellent, and I liked their speediness. Filing a claim was easy too, and they handled the situation very quickly."
    - Christopher R. of Roswell, GA
    "Having the home warranty program gives us peace of mind. We got it when we bought a new refrigerator. And in the first year, the compressor went out."
    - Julie of Three Rivers, MI
    "I would have paid over a thousand dollars in parts and repairs. I only paid [a small deductible] to have all three appliances repaired."
    - R.C., Kalama, WA