Why should I choose Cinch’s home warranty plan?
When it comes to choosing a home warranty company, we know you have options, but if you’re wondering why you should pick Cinch, we think it’s pretty simple. We have more than four decades of home industry experience. We also have a nationwide network of carefully vetted, experienced service providers, and we offer all sorts of extras you won’t find elsewhere – including our 180-day workmanship guarantee to back it all up!
What types of failures are covered?
Generally, these plans cover a mechanical breakdown from routine use, sometimes referred to as “normal wear and tear.” This means that mechanical parts, such as motors and switches, and parts like knobs and handles are covered. To fully understand what parts are covered, it is best to read theterms and conditions.
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. It's important to read the details included in the General Exclusions and Limitations section of the terms and conditions. You can also read the terms and conditions before you buy a plan online. Or, call us with any questions.
Can I customize my plan with additional items?
We offer optional add-ons that may be added for an extra cost per year to any of our three plans: Appliances, Built-in Systems and Complete Home.
The optional coverage items include a pool only (heater included), spa only (heater included), pool with spa (heater included), septic tank/pumping, well pump and a premier upgrade package, which provides additional coverage for permits, code upgrades and more. Each item is priced separately, ranging from $4.58 to $22 per month.
You can also read the sample contract for exclusions and limitations.
When does coverage begin?
There is a 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.
Are there caps or maximums?
Yes, for some items. The cap is the maximum the plan will pay for repairs or replacements during your coverage period. This maximum amount might vary per item covered, or it can be a total cap across all items. Check the terms and conditions for details.
What is a deductible?
Similar to an insurance deductible, this is your share of a covered repair or replacement event, not including any non-covered charges or amounts over caps and limitations that may apply, which is generally collected at the time of a service request. Most plans offer multiple deductible options, so you can choose to pay more per month for the plan and have a lower deductible; or vice versa.
Will you replace my system or appliance if it cannot be repaired?
If we determine that your system or appliance cannot be repaired, we’ll replace the unit with a similar model with comparable capacity that meets all federal manufacturing standards and performs the same primary function as the broken unit, while also covering the new unit’s full purchase price and cost of installation. Read more details in ourterms and conditions.
How does the claim process work?
At Cinch, we strive to keep our claims process simple. If you have a problem with a system or appliance, first review your coverage to make sure you have a claim. Then request service by calling or reaching out to us online. Next, we’ll have a service provider contact you so that you can agree on a good time for an in-person appointment, at which time your appliance or system will be diagnosed, repaired and/or replaced, unless a part needs to be ordered or acquired first.
Why would I want a home warranty if I already have homeowner’s insurance?
Required by mortgage lenders, homeowners’ insurance protects your home from weather and theft, as well as covering your liability if someone is injured while on your property. Only sometimes will it also cover some or all of your home’s systems and appliances. If, like many homeowners, you look into your coverage and discover that these systems and appliances are exempt, a home warranty is a great way to fill that coverage gap and get peace of mind. Still unsure about the difference? Read our FAQ article discussing home warranties vs. home insurance.
