What is a home protection plan?

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.



Request service if something breaks.


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$150 deductible

Covers larger appliances:

  • Built-in Kitchen Appliances
  • Refrigerators
  • Clothes Washer and Dryer

View sample annual contract

Built-in Systems 

$150 deductible

Covers major systems:

  • A/C and Heating Systems
  • Electrical Systems
  • Interior Gas and Plumbing

View sample annual contract


Complete Home

$150 deductible

Combines both plans, plus more!

  • Larger Household Appliances
  • Electrical Systems
  • A/C and Heating Systems
  • Interior Gas and Plumbing

View sample annual contract

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, such as 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 protection plan 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.

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 (855) 242-5631.

How do you choose your service providers?

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.

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

What our happiest customers say...
"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