Cinch Home Services

What Cinch Home Services does

Cinch Home Services, Inc. is a US home warranty provider that sells subscription contracts covering the repair and replacement of residential appliances and built-in systems. Founded in 1978 and headquartered in Boca Raton, Florida, the company operates under private ownership by Cross Country Group (CCG), a diversified parent that serves more than 100 million customers across service contracts, protection plans, roadside assistance, and financial services. Cinch distributes its plans through three primary channels: direct-to-consumer online enrollment and an inside-sales contact center; real estate professionals (agents, brokers, admins) via the Agent Resource Center platform, where plans are bundled into property transactions as seller and buyer protections; and embedded insurance partnerships with carriers and agencies such as Progressive, AIS, First Choice, and PEMCO. Plan issuance is conducted through four regulated subsidiaries — HomeSure Services, HomeSure of America, California Cinch Home Services (CA license #3356-3), and HomeSure of Virginia — enabling coverage in 48 US states with California-specific plan structures.

The product portfolio centers on three core tiers — Repair Only, Repair + Replace, and Repair + Replace Premier — covering up to 37 home appliances and systems (HVAC, electrical, plumbing, kitchen and laundry) for $24.99–$131.99 per month plus per-visit service fees of $100–$150. Differentiated features include a 180-day Workmanship Guarantee (compared with an industry-standard 30–60 days), coverage of unknown pre-existing conditions regardless of item age, a patent-pending Claim-No-Claim Warranty that returns up to $100 on HVAC maintenance even when no claims are filed, and an Appliance Buyline discount program. Service fulfillment is delivered through a national network of 18,000+ licensed contractors, coordinated via a claims management platform that supports 24/7 service requests and is exposed to customers through the My Account portal.

The revenue model is subscription-recurring, with monthly or annual premiums paid by homeowners, lump-sum payments at real estate closing, and B2B revenue share from insurance partners. Pricing varies by state and tier, with promotional levers such as a 30% first-year discount used to drive acquisition. Customer segments include individual homeowners (primary), real estate professionals (primary), insurance carriers and agencies (primary), and landlords and property managers (secondary). Cinch reports having served millions of homeowners since 1978 and having paid out over $1B in claims over the past six years, and has received 14 Stevie Awards and six ConsumerAffairs Buyer's Choice Awards in recent years as customer-experience signals. The company is privately held, does not disclose revenue, and has no public funding rounds on record; recent executive additions include CFO Jordan Siegel (Nov 2025), SVP & General Counsel Michael Fletcher (Oct 2025), and Board of Advisors member Kristine Miller (Jan 2026), and the company acquired Fixd Repair in May 2021.

Name

Cinch Home Services

Legal name

Cinch Home Services, Inc.

Website

https://cinchhomeservices.com

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Cinch Home Services is a US home warranty provider, founded in 1978 and owned by Cross Country Group, selling subscription plans that cover repair and replacement of home appliances and systems to individual homeowners, real estate professionals, and insurance carrier partners across 48 states.

Ownership category

akta.pro rank

Product category

Home Warranty Services

NAICS

Consumer Electronics and Appliances Rental (532210)

SIC

Wholesale-Furniture & Home Furnishings (5020)

akta.pro primary industry

Home Warranty / Residential Service Contracts (Systems & Appliances) (FSAJALAG)

akta.pro secondary industry

Appliance & Major Home Equipment Protection Plans (FSAJALAI)

Keywords

• Home warranty services
• Appliance repair coverage
• Home protection plans
• HVAC system warranty
• Home service contracts

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Home Warranty Subscription Plans: Recurring subscription revenue from monthly or annual home warranty plan payments. Plans cover repair and replacement of home appliances and systems. Revenue generated through direct consumer sales and channel partner referrals.
2. Real Estate Partner Plans: Plans sold through real estate agents during property transactions, typically paid at closing. Includes seller protection plans (up to 180 days listing coverage) and buyer plans effective at closing.
3. Insurance Partnership Programs: Home protection products embedded into insurance carrier and agency offerings. Revenue generated through B2B partnerships with insurance companies seeking to reduce claims and increase customer lifetime value.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Cinch Home Services sells subscription-based home warranty plans that cover the repair and replacement of household appliances (refrigerators, ovens, washers, dryers, etc.) and major built-in systems (HVAC, electrical, plumbing, water heaters). Plans are sold direct-to-consumer, through real estate agents at property closing, and embedded into insurance carrier and agency offerings. Service is delivered via a national network of pre-screened licensed contractors coordinated through the company's claims management platform.

Product overview

Cinch Home Services offers a home warranty platform with three core protection plans: Repair Only, Repair + Replace, and Repair + Replace Premier. The Repair Only plan covers 37 essential appliances and systems with repair coverage up to $1,000 per repair. The Repair + Replace plan adds replacement coverage up to $2,000 per appliance plus $500 deductible reimbursement. The Repair + Replace Premier is the most comprehensive, adding coverage for outside water, sewer, and gas lines plus $2,000 for permits and disposal. These core plans are complemented by specialized Real Estate Plans for sellers and buyers during property transactions, plus Insurance Partnership Programs enabling agencies and carriers to embed home protection products. The company also provides customer-facing My Account and Agent Resource Center web portals for plan management and service requests.

Differentiator

Problem solved

Functional benefit

Brands

• Cinch Home Services: Home warranty and protection plan brand offering coverage for appliances and systems
• Cinch

Products and services

• Repair Only Plan Entry-level home warranty covering repairs to 37 essential home appliances and systems including heating, air conditioning, electrical, plumbing, and kitchen/laundry appliances. Includes up to $1,000 per covered repair and $10,000 total limit per agreement term.
• Repair + Replace Plan

Quantifiable outcome

• 180-day workmanship guarantee vs industry standard 30-60 days
• +5 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• American Cancer SocietyminorOthers · 1 October 2025Non-profit partnership during Breast Cancer Awareness Month. Cinch donated $30,000 in 2025, surpassing previous year's milestone. Supported Making Strides Against Breast Cancer Walk in Palm Beach County.
• Cross Country Group (CCG)coreOthersParent company ownership of Cinch Home Services. CCG is a leading privately-held provider of technology-enabled service programs, partnering with over 150 clients and serving over 100 million customers with home service contracts and protection plans, roadside assistance, and financial services.
• ProgressiveminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering home protection products to their customer base through embedded insurance offerings.
• AIS (American Insurance Specialists)minorChannel Partner/ Reseller/ DistributorInsurance agency partner distributing Cinch home protection products to their customers.
• First ChoiceminorChannel Partner/ Reseller/ DistributorInsurance agency partner with co-branded marketing relationship for home protection products.
• PEMCOminorChannel Partner/ Reseller/ DistributorRegional insurance carrier partner offering Cinch home warranty products to policyholders.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• American Home Shield (Frontdoor): American Home Shield, a brand of Frontdoor Inc., is the largest U.S. home warranty company and Cinch's most direct competitor. Both offer appliance and system protection plans sold direct-to-consumer and through real estate channels, with similar coverage tiers and pricing structures. AHS serves as the category scale benchmark for Cinch.
• First American Home Warranty: First American Home Warranty is a major direct competitor offering appliance and systems home warranty plans across the U.S. Both companies compete on similar coverage breadth, real estate agent partnerships, and pricing tiers, and both emphasize pre-existing condition coverage.
• Old Republic Home Protection: Old Republic Home Protection is one of the longest-established home warranty providers (founded 1977), directly comparable to Cinch in age, product structure, and channel mix. Both serve real estate and direct consumer markets with similar appliance/system coverage and claim-fee models.
• 2-10 Home Buyers Warranty: 2-10 HBW is a leading home warranty provider with deep penetration in real estate agent and new-construction builder channels. The 2-10 structural warranty for new homes and home warranty products overlap directly with Cinch's Real Estate Seller/Buyer Protection Plans.
• Choice Home Warranty: Choice Home Warranty is a major direct-to-consumer home warranty competitor offering two-tier (Basic and Total) plans closely mirroring Cinch's product structure. Both compete on price, coverage caps per appliance, and trade-call service fees.
• Liberty Home Guard: Liberty Home Guard is a fast-growing direct competitor offering appliance and home systems warranty plans with comparable tier structure (Appliance, Systems, Combo). Both target similar homeowner and real estate agent segments with online enrollment and 24/7 claims.
• Home Warranty of America (HWA): Home Warranty of America is a direct competitor in the residential home warranty category, offering appliance and systems coverage with plans sold through real estate channels and direct to homeowners. Comparable product breadth and pricing tier structure to Cinch.
• Landmark Home Warranty: Landmark Home Warranty is a regional and national home warranty provider offering comparable appliance and systems protection plans. They compete with Cinch particularly in Western U.S. markets and through real estate agent partnerships.
• Total Home Protection: Total Home Protection is a direct-to-consumer home warranty competitor offering appliance and HVAC-focused plans with similar pricing tiers and online enrollment. Comparable customer segment (homeowners seeking budget protection from repair costs) and digital GTM model.

Broad incumbents

• Assurant: Assurant is a large diversified insurance and protection-products company offering extended warranties, device protection, and service contracts across multiple categories including home appliances. While not a direct home-warranty competitor, Assurant operates in adjacent extended-warranty and protection-plan categories and could expand into Cinch's core market.

Market position

Strengths5 records

Weaknesses3 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cinchhome
• Facebookfacebook.com/CinchHomeServices

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cinch Home Services