What is a home protection plan?

It's an annual service agreement that helps control the costs when essential systems and appliances in your home break down. It can cover things like your A/C, plumbing, refrigerator, clothes washer and dishwasher. Here's how it works:


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 provider to diagnose and remedy the problem. (If it can’t be repaired, it will be replaced.)


Relax, because we help pay the bill and your covered repair is guaranteed for 180 days. It's that simple.

Compare plans


Covers larger appliances:

  • Built-in Kitchen Appliances
  • Refrigerators
  • Washers and Dryers

View a sample service agreement

Opens in a new window.

Complete Home

Combines both plans, plus more!

  • Larger Household Appliances
  • Electrical and Plumbing Systems
  • A/C and Heating Systems
  • Interior Gas Lines 
  • Emergency Lodging Reimbursement1,3
  • Homeowners Insurance Deductible Reimbursement2,3

View a sample service agreement

Opens in a new window.

Built-in Systems 

Covers major systems:

  • A/C and Heating Systems
  • Electrical and Plumbing System
  • Interior Gas Lines
  • Emergency Lodging Reimbursement1,3

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 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 protection plan?

Unlike homeowners insurance, a home protection 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 typically a 30-day 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.

Can I manage my account online?

Yes! You can easily manage your account online through the Cinch My Account portal. Once you register, you can see all your plan documents, request service, update your profile and more 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!  My Account registration is free and allows you to easily request service or manage your Cinch plan online. You can also request service by calling (844) 324-5688.

How do you choose your service pros?

Every service provider 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.

Real stories, real customers

"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

"We’ve been with the company for over 10 years now. Most recently, our water heater ruptured and needed it replaced. My wife took care of that claim and it went very smoothly. We got emails keeping us updated and the two technicians that installed the new heater were very nice. I would recommend them, no question."
- Lyndon, Greensboro, NC
"Submitting a claim was very easy and the reps were very nice. Plus, the response time was immediate. The technician did a good job and the quality of work was excellent. The staff that you speak with is extremely friendly and very helpful."
- Sheri, Tampa, FL
"I had a plumbing issue not long ago and somebody came out and repaired it. Submitting the claim was easy. I did it over the phone and they were able to answer all of my questions. The tech who came out was quick and professional. I would recommend them."
- Florena, Germantown, MD

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.