Cinch Home Services Review

Quick Facts

Score Breakdown

Final Score: 84.0/100 (8.2 normalized)

Overview

Cinch Home Services (formerly Cross Country Home Services and HMS) has been in the home-protection business since 1979. The company is known for its standout 180-day workmanship guarantee — three to six times longer than most competitors — and unique perks like rust and corrosion protection.

Cinch's plans cost more than budget alternatives but include extras that genuinely add value, particularly for homeowners who want the longest possible repair guarantee.

Plans & Coverage

• Appliances: Major appliance coverage with rust and corrosion protection.
• Built-In Systems: Core home systems including HVAC, plumbing, electrical, and water heater.
• Complete Home: Bundles Appliances and Systems with the strongest payout caps.

Pricing

Cinch plans range from about $40/month (Appliances) to $63/month (Complete Home). The customer-chosen service-call fee runs $100, $125, or $150 — among the higher fees in the industry.

Claims Process

Cinch handles claims 24/7 with online and phone intake. Average resolution time in our analysis was 4.2 days.

Customer Service

Cinch maintains an A+ BBB rating and operates a sizable U.S.-based service team. Communication during claims is consistent, and the 180-day workmanship guarantee is the longest in our roundup.

Pros & Cons

What Customers Are Saying

Cinch averaged 4.0/5 in our review. Customers consistently praise the workmanship guarantee and the air-filter credit; complaints focus on the higher service fees.

Bottom Line

Cinch is the right pick for homeowners who want the longest possible repair guarantee and don't mind paying a premium service fee for it. The included perks tilt the value calculation back in Cinch's favor.