FAQs

Complete Home:

• Covers your heating, A/C, electrical and plumbing, and appliances. (See T&Cs for more detailed information.)
• Covers rust and corrosion, lack of maintenance and other unknown pre-existing conditions.
• Only a $120 per claim deductible for covered items.
• 180-Day Workmanship guarantee on all covered repairs.
• $25 credit you can use towards A/C or refrigerator filters.
• 24/7 assistance by calling Cinch’s toll-free number or by going online at my.cinchhomeservices.com.
• Up to $50 reimbursed if you lock yourself out of your home and need locksmith services. One claim per 12-month period.
• Up to $10,000 aggregate coverage per year
• Per claim cap of $5,000 for Built-in-Systems
• $3,000 cap limits per agreement term applies towards covered appliances

 

Appliances:

• Covers nine of your most important appliances including your refrigerator, washer and dryer, built-in microwave, interior gas lines and lots more. (See T&Cs for more detailed information.)
• Only a $120 per claim deductible for covered items.
• 180-Day Workmanship guarantee on all covered repairs.
• $25 credit you can use towards A/C or refrigerator filters.
• 24/7 assistance by calling Cinch’s toll-free number or by going online at my.cinchhomeservices.com.
• Up to $50 reimbursed if you lock yourself out of your home and need locksmith services. One claim per 12-month period.
• Up to $10,000 aggregate coverage per year
• $3,000 cap limits per agreement term applies towards covered appliances

No. Replacements are of the same make or model when available, or something close or comparable to it.

Currently, Cinch’s plans do not cover these types of services.

Cinch will pay up to $10.00 per pound for refrigerant

Currently Cinch plans do not provide this type of coverage. 

Currently, Cinch’s plans do not cover mismatched or incompatible systems.

Yes, however the plan would not cover the cost of a crane if it’s required to replace a unit. That would be a non-covered charge unless you decide to add the Premier Upgrade Package to your plan. The Premier Upgrade Package provides up to $1,000 of non-covered charges two times per contract year. That’s $2,000 of coverage for only an additional $10.00 per month or $120 a year.

 

After you’ve enrolled into your plan, you have the option to call Cinch at 866-229-4584 within 30-days from your effective date to have the Premier Upgrade Package added to your plan.

At this time manufacturer defects are not covered. More details can be found inside the Welcome Kit you will receive after enrolling.

In instances where the combined cost of diagnosis and repair or replacement is estimated to exceed a stated contract dollar limit, Cinch will not provide repair or replacement services but will instead pay an amount equal to the contract dollar limit minus the deductible amount. Cinch will also take into consideration any other paid claim amounts within the 12-month agreement term and subtract that from the payment.

Covered repairs are guaranteed for 6 months where most other home warranty companies only offer a 30-day to 90-day workmanship guarantee. If, for example, a repair is done on a covered system or appliance and that same issue happens again within a 6-month timeframe, a service technician will be sent out again to repair that item at no additional cost to you.

What types of properties are covered?

Property must be used solely for residential purposes:

• Single family residences
• Condominiums
• Townhouses
• Villas
• Manufactured homes (see eligibility requirements below)

 

Manufactured homes eligibility:

• Has been constructed within10 yrs. of the effective date of the agreement.
• Must be permanently secured to the ground on land owned or located in a division operated similar to a condominium, where maintenance is provided

 

• What types of properties are not covered?

• Mobile homes
• Multi-family residential property of more than two units
• Any dwelling used in whole or in part for commercial purposes including non-profit organizations.
• Homes listed or registered in any historical register, including without limitation to the National Register of Historic Places

A separate Cinch policy will need to be purchased for each property you would like to cover.

Yes, a separate Cinch policy will need to be purchased for either each side of the duplex or for each apartment unit.

Homeowners insurance pays for accidental damage to a property due to fire, weather, theft, and some natural disasters. It may also protect the homeowner from liability claims should someone be injured on the property.

A home warranty covers the cost of repairs and replacements of certain appliances and systems in homes caused by everyday wear and tear, or from old age. For example, air conditioning and heating systems, plumbing systems, electrical systems, and appliances.

The realtor can work with Cinch’s Real Estate Division. Their phone number is 800-247-3680

Yes. After you have enrolled in your plan, you have the option to call Cinch at 866-924-2401 to have it added to your plan within 30 days from your effective date.

After your warranty is active and your first payment has been received, you will receive an email from FilterJoy™ with instructions on how to redeem your annual $25 Filter credit. If you continue your service, you will receive this credit on a yearly basis after your plan has renewed.

Cinch will reimburse you up to $50 when you get locked out of your home and must pay a professional locksmith to get back in.

Cinch will cover an unknown pre-existing mechanical failure which means the reason for the item’s failure could not have been detected by visual inspection or a simple mechanical test. However, if a problem was found during, let’s say, a home inspection and no action was taken, it would be considered a known pre-existing condition and would not be covered. Unless it is obvious the item has been broken for a long period of time or noted in a prior home inspection of repair invoice, the problem will not likely be deemed a known pre-existing condition.

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 Cinch’s network.

The actual timing will depend upon the availability of the local service provider. You will be notified as soon as a provider is available for your specific issue. This is the way all home protection plans work – no matter which company or what geographic location.

If we enroll you today, I’ll be able to give you one month free which might actually save you more money. 

Coverage begins 31 days from today. 

Day of Enrollment through Day 30:

• Members can cancel by calling or going online, without penalty.

Day 31 and Beyond:

• Members are subject to Cinch’s cancellation terms and can cancel by calling or going online.
• No Claims Placed: A $25 cancellation fee may be charged at Cinch’s discretion.
• Claim(s) Placed: If a claim has been placed, the member would be responsible for the remaining premium for the rest of the year or the amount of the claim, whichever is less. And a $25 cancellation fee may be charged at Cinch’s discretion.

Cinch’s billing is set up as a direct bill, I wouldn’t recommend it, since they will continue to bill the payment method you provide until the warranty is cancelled.

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 replace the covered item and try to find a replacement with comparable features. That’s one of the top reasons it’s so important to have protection like this. Of course, just like any other protection plan, some restrictions may apply, things like caps and non-covered incidental charges. 

You may not receive the exact make and model for replacement but something close to it or comparable.

It doesn't matter how old your covered items are. If they are working and have no known pre-existing condition when your protection plan goes into effect, you're covered. When you get the welcome kit, you can see the actual details of how it works.

All exclusions and limitations will be listed within the terms and conditions included in your welcome kit. However, things like the cap on the aggregate amount of coverage each plan year, per item caps, certain modification, code, or upgrade costs, and other non-covered charges may result in an amount owed by you in addition to the deductible.

The Premier Upgrade Package (PUP) enhances the base Cinch Home Warranty coverage, 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, you’d 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.

After you have enrolled in your plan, you have the option to call Cinch at 866-924-2401 to have it added to your plan within 30-days from your effective date.

Claims can be placed 24/7/365 by calling or going online.

A Cinch Home Warranty is an annual service agreement that helps cover the cost of repairs and replacements of certain appliances and in-home systems when mechanical breakdowns occur due to everyday wear and tear.

 (866)-924-2401

(571)-276-5739 

(866) 229-4584

24/7/365

www.cinchhomeservices.com