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FAQs
WHAT IS COVERED UNDER THE PLAN?
- Covers everything from your heating, A/C, electrical and plumbing, and appliances. *See T&C’s for more detailed information.
- Covers rust and corrosion, water sediment and other unknown pre-existing conditions.
- Only a $150 per claim deductible for covered items.
- 180-Day Workmanship guarantee on all covered repairs.
- Access to discounts on appliance purchases.
- $25 credit you can use towards A/C filters.
- 24/7 assistance to place claims or receive assistance by calling Cinch’s toll-free number or by going online at my.cinchhomeservices.com.
- Emergency Lodging Reimbursement up to $1,200 a year when you have a sudden breakdown of an A/C or heating unit. *One claim per 12-month period.
- Homeowners Insurance Deductible Reimbursement up to $1,000 a year when customers must pay a homeowners’ insurance deductible. *One claim per 12-month period.
- No limit to the number of claims up to $10,000 a year of coverage.
WHAT IS THE FLORIDA STATUTE 634.346?
Effective January 1st, 2020, Florida Regulations are requiring Home Warranty companies to offer voluntary coverage to consumers to cover the cost of upgrading a unit due to the Florida code requirements.
Just like many home warranty companies, the Cinch plans do not cover paying for changes or upgrades due to code or regulatory requirements. Cinch covers repairs or replacements due to wear and tear.
If you’d like further information about the Cinch Premier Upgrade plan option, please call Cinch Home Services once you receive your welcome kit and have it added to your plan. Again, you have up to 30 days from the effective date to add it to your plan.
WHAT IS THE PREMIER UPGRADE PLAN?
The Premier Upgrade Package (PUP) enhances the base Cinch Home Warranty coverage plan for buyers, offering additional benefits for non-covered charges associated with a systems or appliance repair or replacement.
Just like many home warranty companies, Cinch Home Warranty plans excludes paying for changes or upgrades due to code or regulatory requirements. Cinch covers repairs or replacements due to wear and tear.
Let me explain how it works with an example. Let's say you have an approved claim to replace your A/C. Cinch’s home warranty covers the costs of parts and labor, but there are $700 of non-covered charges associated with the replacement (for duct modifications and permits). Without the Premier Upgrade Package, you would be out of pocket $700 in addition to your deductible. If you have the Premier Upgrade Package, will receive a brand-new A/C and only pay your deductible out of pocket.
Keep mind, this option can be used two times per contract year, for up to $1,000 of non-covered charges each time. That’s up to $2,000 worth of coverage for only $120 a year. It’s only an additional $10 per month.
CAN I USE MY OWN REPAIRMAN?
Cinch Home Services’ network of providers has an extensive list of service professionals. There’s a chance that the company you use is already approved to do work for Cinch. You can always ask them if they are part of Cinch’s network or if you’d like to recommend someone, please give them the information and they will contact the company to inquire if they would like to participate in our network.
WHEN DOES COVERAGE BEGIN?
Coverage begins 30 days from today. Cinch will send you a welcome kit so you can review the features, benefits and service agreement before any coverage or billing begins.
HOW CAN I BE SURE OF THE QUALITY OF THE PEOPLE CINCH SENDS TO MY HOME?
Every service technician Cinch sends out has undergone an extensive selection process, which includes, but is not limited to: License and insurance verification. No one is permitted into the Cinch network unless they meet certain requirements.
IS IT TRUE CINCH WILL HELP PAY FOR A REPLACEMENT IF THE APPLIANCE OR SYSTEM CAN'T BE FIXED?
Absolutely, as you will see in the materials, Cinch sends you, if the repair person determines that the problem can’t be fixed, Cinch will try to replace the covered item. Of course, just like any other protection plans, some restrictions may apply… things like caps and non-covered incidental charges. That’s one of the top reasons why it’s so important to have protection like this.
WHAT IF MY SYSTEMS AND/OR APPLIANCES ARE REALLY OLD?
It doesn't matter how old your covered items are. As long as they are working when your contract goes into effect, you're covered. When you get the contract, you can see the actual details of how it works.
WHEN WOULD I PAY MORE THAN THE [$150] DEDUCTIBLE?
Some parts or failures may not be covered and in that case, you would pay that in addition to the deductible for the item to be repaired. Cinch may elect to deduct the amount due for the protection plan from any claim credit. Cinch also requires for the plan payments to be current before processing any claim. All exclusions and limitations will be listed within the terms and conditions included in your welcome package.
EXPLAIN THE DEDUCTIBLE/SERVICE FEE
When you call Cinch to place a claim, they will collect the $150 deductible. Some repairs may not be completed at the time of the first visit however the deductible is still due when you place a claim. If the technician must return to complete the repair, you don’t have to worry about paying a second deductible. You will only pay $150 as long as the service to be provided does not exceed any coverage limits or contractor fees.
WHEN WILL I RECEIVE THE WRITTEN INFORMATION?
You should receive your Service Agreement and other protection materials within 7-10 working days from [today/tonight].
CAN I CANCEL AFTER I’VE MADE A CLAIM?
Yes, you can cancel after making a claim. Cinch may charge a $25 processing fee at their discretion, and you would be responsible for the remainder of the annual premium or the amount of the claim, whichever is less.
CAN I CANCEL AT ANYTIME?
Yes, you may cancel at any time. If you call to cancel during the next 30 days you will not be billed a penny. You may also cancel at any time after the next 30 days, and billing will stop. There is a cancelation processing fee of $25 that is exercised at Cinch’s discretion. However, if you have made a claim, you would be responsible for the remainder of the annual premium or the amount of the claim, whichever is the lowest.
HOW CAN CINCH OFFER THIS PROGRAM TO KIN INSURANCE CUSTOMERS? / WHY ARE THEY OFFERING THIS PROGRAM?
Kin Insurance believes this has proven to be an extremely valuable protection for homeowners.
WHERE/WHO IS CINCH?
What: Cinch Complete Home is a home protection plan that covers your primary systems and appliances. That means, when any of your covered items break down from everyday wear and tear, you’ll be protected against having to pay those high and unexpected repair and replacement costs.
Who/Where: IF CUSTOMER PROPERTY IS IN: AL, AZ, FL, IL, IA, MA, NV, NM, NY, NC, OK, SC, TX, UT, VT, WA, WI, WY:
The Cinch Complete Home Service Agreement is issued by HomeSure of America, Inc.
CA:
The Cinch Complete Home Service Agreement is issued by HomeSure Protection of California, Inc.
OR, VA:
Home Protection Plan in VA
The Cinch Complete Home Service Agreement is issued by HomeSure of Virginia, Inc.
ALL OTHER STATES:
The Cinch Complete Home Service Agreement is issued by HomeSure of America, Inc.