Plan includes*
Protect the essentials insurance doesn't cover
Plus, Pemco customers get their first month free*
Plus, Pemco customers get their first month free*
A home protection plan covers what insurance doesn't, including repair or replacement services for the major appliances and systems within your home.
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FREE MONTH
Appliances
Covers the components of 11 essential home appliances you rely on every day, including refrigerators, ovens and more!
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$3,000 per covered kitchen appliance -
$3,000 per covered laundry appliance
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$10,000 total limit per agreement term
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5 units per appliance covered
Appliances
This plan covers the components of 11 essential home appliances you rely on every day, including refrigerators, ovens and more! See what's covered below.*
Kitchen appliances
- Cooktops - All components and parts are covered, excluding Wi-Fi transmitters, and broken, chipped or cracked glass cooktops due to misuse. See sample terms and conditions for more details.
- Dishwashers - All components and parts are covered, excluding Wi-Fi transmitters.
- Food Centers (Built-in) - All components and parts are covered.
- Freestanding Ice Makers - All components and parts are covered.
- Microwaves (Built-in) - All components and parts are covered.
- Ranges - All components and parts are covered, excluding Wi-Fi transmitters, and broken, chipped or cracked glass cooktops due to misuse. See sample terms and conditions for more details.
- Range Exhaust Hoods - All components and parts are covered for hoods located above the range.
- Refrigerators - All components and parts are covered, excluding freestanding freezer, multi-media centers built into appliances, wine chillers, consumables and Wi-Fi transmitters. See sample terms and conditions for more details.
- Trash Compactors (Built-in) - All components and parts are covered.
- Wall Ovens - All components and parts are covered, excluding Wi-Fi transmitters.
Laundry appliances
- Clothes Dryers - All components and parts are covered, excluding Wi-Fi transmitters.
- Clothes Washers - All components and parts are covered, excluding Wi-Fi transmitters.
*Important Details
Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.
Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.
FREE MONTH
Built-in Systems
Keep the heart of your home running with coverage for 26 components of major, core systems that power your house — including heating, cooling, plumbing and electrical systems.
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Heating & air conditioning systems
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Electrical & plumbing systems
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$10,000 total limit per agreement term
Built-in Systems
This plan covers more than 26 appliances and systems regardless of age, make or model. See what's covered below.*
Electrical systems
- Attic Fans - All components and parts are covered.
- Ceiling Fans - All components and parts are covered.
- Central Vacuums - All components and parts, excluding Wi-Fi transmitter, removable hoses and accessories; access and closing costs to floors, walls and ceilings when locating or repairing a malfunction.
- Doorbells - All components and parts, except when part of an intercom or monitoring system.
- Electrical Components - All direct current wiring, lighting fixtures and built-in exhaust/vent/attic fans are covered. There are some exclusions. See sample terms and conditions for details.
- Garage Door Openers - All components and parts located inside the ceiling-mounted electric motor are covered, excluding door or door track assemblies, cables, springs and Wi-Fi transmitters. See sample terms and conditions for more details.
- Smoke Detectors - All battery-operated and hardwired units are covered, excluding carbon monoxide detectors.
Heating and cooling systems
- Air Conditioning Including Ductwork - All components and parts of ducted central electric split and package units, geothermal, wall air conditioners and mini-splits are covered. There are some caps and exclusions. See sample terms and conditions for more details.
- Heating System Including Ductwork - All components and parts of forced-air (gas, electric, oil), geothermal, wall-mounted heaters, floor furnaces, package units, heat pumps, mini-splits, hot water or steam-circulating heat and electric baseboard are covered. There are some caps and exclusions. See sample terms and conditions for more details.
Plumbing systems
- Garbage Disposals - All components and parts are covered.
- Instant Hot/Cold Water Dispenser - All components and parts are covered.
- Jetted Tubs (Built-in) - All motors, pumps and air switch assemblies are covered.
- Plumbing Components - All valves, lines, and drain and sewer stoppages are covered. There are some exclusions. See sample terms and conditions for more details.
- Sump Pumps - All permanently installed sump pumps (ground water only) are covered.
- Standard and Tankless Water Heaters - All components and parts are covered, including tankless water heaters and circulating pumps. A maximum amount of $1,000 per unit is allowed per term. There are some exclusions. See sample terms and conditions for more details.
- Toilets - All toilets and related mechanisms, toilet wax ring seals and clearing of toilet stoppages are covered.
Also covered
- 24/7 service requests online or by phone
- Up to $1,200 reimbursement for emergency lodging per year1
- Failures due to rust and corrosion
- Thousands of pre-screened service providers
- Unknown pre-existing conditions
*Important Details
Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.
1Reimburses you up to $1,200 for lodging expenses if (a) your only cooling or heating system is non-operational for 24 hours or more from the time of the first service visit should there be a delay in acquiring repair parts, or (b) a sudden break in a water pipe results in flooding and the removal of water from the residence by a water removal company is delayed by 24 hours or more. Only one reimbursement benefit per claim occurrence and only one claim per member per 12-month period. Additional terms and conditions apply, which will be included in your plan materials you receive after enrollment. This benefit is provided by an unaffiliated third party under an insurance policy issued to Cinch Home Services, Inc. for the benefit of customers enrolled by Cinch Insurance Agency, Inc., an affiliate of Cinch Home Services, Inc., California Cinch Home Services, Inc., HomeSure Services, Inc., HomeSure of America, Inc. and HomeSure of Virginia, Inc.
FREE MONTH
Complete Home
Take control of your home with a plan that covers 37 components of all major systems and appliances, giving you the most protection.
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Heating & air conditioning systems
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Electrical & plumbing systems
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$3,000 per covered kitchen appliance
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$3,000 per covered laundry appliance
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$10,000 total limit per agreement term
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5 units per appliance covered
Complete Home
This plan covers covers 37 components of all major systems and appliances, giving you the most protection. See what's covered below.*
Kitchen appliances
- Cooktops - All components and parts are covered, excluding Wi-Fi transmitters, and broken, chipped or cracked glass cooktops due to misuse. See sample terms and conditions for more details.
- Dishwashers - All components and parts are covered, excluding Wi-Fi transmitters.
- Food Centers (Built-in) - All components and parts are covered.
- Freestanding Ice Makers - All components and parts are covered.
- Microwaves (Built-in) - All components and parts are covered.
- Ranges - All components and parts are covered, excluding Wi-Fi transmitters, and broken, chipped or cracked glass cooktops due to misuse. See sample terms and conditions for more details.
- Range Exhaust Hoods - All components and parts are covered for hoods located above the range.
- Refrigerators - All components and parts are covered, excluding freestanding freezer, multi-media centers built into appliances, wine chillers, consumables and Wi-Fi transmitters. See sample terms and conditions for more details.
- Trash Compactors (Built-in) - All components and parts are covered.
- Wall Ovens - All components and parts are covered, excluding Wi-Fi transmitters.
Laundry appliances
- Clothes Dryers - All components and parts are covered, excluding Wi-Fi transmitters.
- Clothes Washers - All components and parts are covered, excluding Wi-Fi transmitters.
Electrical systems
- Attic Fans - All components and parts are covered.
- Ceiling Fans - All components and parts are covered.
- Central Vacuums - All components and parts, excluding Wi-Fi transmitter, removable hoses and accessories; access and closing costs to floors, walls and ceilings when locating or repairing a malfunction.
- Doorbells - All components and parts, except when part of an intercom or monitoring system.
- Electrical Components - All direct current wiring, lighting fixtures and built-in exhaust/vent/attic fans are covered. There are some exclusions. See sample terms and conditions for details.
- Garage Door Openers - All components and parts located inside the ceiling-mounted electric motor are covered, excluding door or door track assemblies, cables, springs and Wi-Fi transmitters. See sample terms and conditions for more details.
- Smoke Detectors - All battery-operated and hardwired units are covered, excluding carbon monoxide detectors.
Heating and cooling systems
- Air Conditioning Including Ductwork - All components and parts of ducted central electric split and package units, geothermal, wall air conditioners and mini-splits are covered. There are some caps and exclusions. See sample terms and conditions for more details.
- Heating System Including Ductwork - All components and parts of forced-air (gas, electric, oil), geothermal, wall-mounted heaters, floor furnaces, package units, heat pumps, mini-splits, hot water or steam-circulating heat and electric baseboard are covered. There are some caps and exclusions. See sample terms and conditions for more details.
Plumbing systems
- Garbage Disposals - All components and parts are covered.
- Instant Hot/Cold Water Dispenser - All components and parts are covered.
- Jetted Tubs (Built-in) - All motors, pumps and air switch assemblies are covered.
- Plumbing Components - All valves, lines, and drain and sewer stoppages are covered. There are some exclusions. See sample terms and conditions for more details.
- Sump Pumps - All permanently installed sump pumps (ground water only) are covered.
- Standard and Tankless Water Heaters - All components and parts are covered, including tankless water heaters and circulating pumps. A maximum amount of $1,000 per unit is allowed per term. There are some exclusions. See sample terms and conditions for more details.
- Toilets - All toilets and related mechanisms, toilet wax ring seals and clearing of toilet stoppages are covered.
Also covered
- 24/7 service requests online or by phone
- Homeowners insurance deductible reimbursement up to $1,000 per year1,3
- Emergency lodging reimbursement up to $1,200 per year2,3
- Failures due to rust and corrosion
- Thousands of pre-screened service providers
- Unknown pre-existing conditions
Optional extras
- Pool (Heater Included)
- Spa (Heater Included)
- Pool with Spa (Heater Included)
- Septic Tank/Pumping
- Well Pump
*Important Details
Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.
1Reimburses you up to $1,000 when you have to pay a deductible on a covered homeowners insurance claim.
2Reimburses you up to $1,200 for lodging expenses if (a) your only cooling or heating system is non-operational for 24 hours or more from the time of the first service visit should there be a delay in acquiring repair parts, or (b) a sudden break in a water pipe results in flooding and the removal of water from the residence by a water removal company is delayed by 24 hours or more.
3Only one reimbursement benefit per claim occurrence and only one claim per member per 12-month period. Additional terms and conditions apply, which will be included in your plan materials you receive after enrollment. This benefit is provided by an unaffiliated third party under an insurance policy issued to Cinch Home Services, Inc. for the benefit of customers enrolled by Cinch Insurance Agency, Inc., an affiliate of Cinch Home Services, Inc., California Cinch Home Services, Inc., HomeSure Services, Inc., HomeSure of America, Inc. and HomeSure of Virginia, Inc.
Compare Plans
Complete Home
$85 month
Built-in Systems
$56 month
Appliances
$35 month
KITCHEN APPLIANCES
Cooktops
All components and parts are covered, excluding Wi-Fi transmitters, and broken, chipped or cracked glass cooktops due to misuse. See sample terms and conditions for more details.
Dishwashers
All components and parts are covered, excluding Wi-Fi transmitters.
Food Centers (Built-in)
All components and parts are covered.
Freestanding Ice Makers
All components and parts are covered.
Microwaves (Built-in)
All components and parts are covered.
Ranges
All components and parts are covered, excluding Wi-Fi transmitters, and broken, chipped or cracked glass cooktops due to misuse. See sample terms and conditions for more details.
Range Exhaust Hoods
All components and parts are covered for hoods located above the range.
Refrigerators
All components and parts are covered, excluding freestanding freezer, multi-media centers built into appliances, wine chillers, consumables and Wi-Fi transmitters. See sample terms and conditions for more details.
Trash Compactors (Built-in)
All components and parts are covered.
Wall Ovens
All components and parts are covered, excluding Wi-Fi transmitters.
LAUNDRY APPLIANCES
Clothes Dryers
All components and parts are covered, excluding Wi-Fi transmitters.
Clothes Washers
All components and parts are covered, excluding Wi-Fi transmitters.
ELECTRICAL SYSTEM
Attic Fans
All components and parts are covered.
Ceiling Fans
All components and parts are covered.
Central Vacuums
All components and parts, excluding Wi-Fi transmitter, removable hoses and accessories; access and closing costs to floors, walls and ceilings when locating or repairing a malfunction.
Doorbells
All components and parts, except when part of an intercom or monitoring system.
Electrical Components
All direct current wiring, lighting fixtures and built-in exhaust/vent/attic fans are covered. There are some exclusions. See sample terms and conditions for details.
Garage Door Openers
All components and parts located inside the ceiling-mounted electric motor are covered, excluding door or door track assemblies, cables, springs and Wi-Fi transmitters. See sample terms and conditions for more details.
Smoke Detectors
All battery-operated and hardwired units are covered, excluding carbon monoxide detectors.
PLUMBING SYSTEM
Garbage Disposals
All components and parts are covered.
Instant Hot/Cold Water Dispensers
All components and parts are covered.
Jetted Tub (Built-in)
All motors, pumps and air switch assemblies are covered.
Plumbing Components
All valves, lines, and drain and sewer stoppages are covered. There are some exclusions. See sample terms and conditions for more details.
Sump Pumps
All permanently installed sump pumps (ground water only) are covered.
Standard and Tankless Water Heater
All components and parts are covered, including tankless water heaters and circulating pumps. A maximum amount of $1,000 per unit is allowed per term. There are some exclusions. See sample terms and conditions for more details.
Toilets
All toilets and related mechanisms, toilet wax ring seals and clearing of toilet stoppages are covered.
HEATING AND COOLING SYSTEMS
Air Conditioning Including Ductwork
All components and parts of ducted central electric split and package units, geothermal, wall air conditioners and mini-splits are covered. There are some caps and exclusions. See sample terms and conditions for more details.
Heating System Including Ductwork
All components and parts of forced-air (gas, electric, oil), geothermal, wall-mounted heaters, floor furnaces, package units, heat pumps, mini-splits, hot water or steam-circulating heat and electric baseboard are covered. There are some caps and exclusions. See sample terms and conditions for more details.
OPTIONAL ADD-ONS
Pool (Heater Included)
Covers above-ground components and parts of the heating, pumping and filtration system.
Add on
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Spa (Heater Included)
Covers above-ground components and parts of the heating, pumping and filtration system.
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Add on
Pool with Spa (Heater Included)
Covers above-ground components and parts of the heating, pumping and filtration system.
Add on
Add on
Add on
Septic Tank/Pumping
Covers sewage ejector pump, tank pumping and septic tank.
Add on
Add on
Add on
Well Pump
Covers components and parts of well pump.
Add on
Add on
Add on
COVERAGE BOOSTS
Premier Upgrade Package
Provides up to $2,000 of coverage per year (two claims of up to $1,000 each) when there are non-covered charges associated with a covered claim, such as permits and equipment disposal. For Florida residents, this coverage is offered in accordance with Florida Statute §634.346 which helps maintain the compatibility and operating efficiency requirements of the A/C manufacturer.
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Add on
Add on
Homeowners Insurance Deductible Reimbursement1,3
Reimburses you up to $1,000 when you have to pay a deductible on a covered homeowners insurance claim.3
Emergency Lodging Reimbursement2,3
Reimburses you up to $1,200 for lodging expenses if (a) your only cooling or heating system is non-operational for 24 hours or more from the time of the first service visit should there be a delay in acquiring repair parts, or (b) a sudden break in a water pipe results in flooding and the removal of water from the residence by a water removal company is delayed by 24 hours or more.3
*Important Details
Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.
1Reimburses you up to $1,000 when you have to pay a deductible on a covered homeowners insurance claim
2Reimburses you up to $1,200 for lodging expenses if (a) your only cooling or heating system is non-operational for 24 hours or more from the time of the first service visit should there be a delay in acquiring repair parts, or (b) a sudden break in a water pipe results in flooding and the removal of water from the residence by a water removal company is delayed by 24 hours or more.
3Only one reimbursement benefit per claim occurrence and only one claim per member per 12-month period. Additional terms and conditions apply, which will be included in your plan materials you receive after enrollment. This benefit is provided by an unaffiliated third party under an insurance policy issued to Cinch Home Services, Inc. for the benefit of customers enrolled by Cinch Insurance Agency, Inc., an affiliate of Cinch Home Services, Inc., California Cinch Home Services, Inc., HomeSure Services, Inc., HomeSure of America, Inc. and HomeSure of Virginia, Inc.
Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.
1Reimburses you up to $1,000 when you have to pay a deductible on a covered homeowners insurance claim
2Reimburses you up to $1,200 for lodging expenses if (a) your only cooling or heating system is non-operational for 24 hours or more from the time of the first service visit should there be a delay in acquiring repair parts, or (b) a sudden break in a water pipe results in flooding and the removal of water from the residence by a water removal company is delayed by 24 hours or more.
3Only one reimbursement benefit per claim occurrence and only one claim per member per 12-month period. Additional terms and conditions apply, which will be included in your plan materials you receive after enrollment. This benefit is provided by an unaffiliated third party under an insurance policy issued to Cinch Home Services, Inc. for the benefit of customers enrolled by Cinch Insurance Agency, Inc., an affiliate of Cinch Home Services, Inc., California Cinch Home Services, Inc., HomeSure Services, Inc., HomeSure of America, Inc. and HomeSure of Virginia, Inc.
It's your peace of mind
Home insurance doesn't cover everything — leaving your appliances, electrical and plumbing systems unprotected in the event of breakdowns due to everyday wear and tear. Home protection plans from Cinch Home Services come with wallet-friendly pricing and award-winning customer service.
Don't get caught in the insurance gap. Pemco customers also get their first month free!
Your protection plan includes:
- 24/7 service requests online or by phone
- Repair or replacement protection for covered items
- Cinch Home Services 180-day Workmanship Guarantee
| Typical cost1 | |
| Water heater repair | $600 |
| Dishwasher replacement | $1,200 |
| Clothes washer replacement | $1,000 |
Great coverage at a great price
Cinch Home Services has been protecting homeowners for nearly 50 years.
When you enroll today, you'll get your first month free — and sleep soundly knowing your home's most important systems and appliances are in trusted hands.
- Award-winning customer service
- Billions of dollars in customer savings since 1978
- Ranked as a Best Home Warranty Company by U.S. News & World Report
- Thousands of verified service professionals throughout the U.S.
Join our growing family of happy homeowners
Customers nationwide enjoy the benefits of a home protection plan from Cinch Home Services. See what our happiest customers have to say.
I am very happy with Cinch. Submitting a claim with Cinch was straightforward; they sent someone out quickly. The service was much faster compared to other home warranties I've previously used. Their quick and efficient service stands out. My granddaughter submitted the claim online, and they called me soon after to set up an appointment. The tech arrived the next day, which was very convenient.
I haven't had many claims, but the one experience I had was handled swiftly and met my expectations. I rate my experience with Cinch as fabulous. Their customer service is excellent, as are the services they provide.
Cinch takes care of the customer when there's a problem. The person they decide to use follows up and texts you every step. They have good customer service and always present themselves well. Whenever you have a question, they're always there to answer it. Recently, my water heater was leaking. It couldn't be fixed so it had to be replaced. If I know somebody's looking for a home warranty, I always tell them about Cinch Home Services. They're wonderful. You don't have to go out there and look for anyone to fix anything for you ‘cause they got your back.
My experience when submitting a claim was very seamless and effortless. The tech who came knew what the issue was with the heater immediately and he ordered the fan motor. They had it the next morning and he came and put it in the next morning. It was during the winter when I didn't have heat because of it and they were really fast and on the ball.
Frequently asked questions
Wondering how a home protection plan from Cinch Home Services works? We've got you covered.
Why do I need home protection coverage from Cinch Home Services?
As required by mortgage lenders, homeowners insurance protects your home from weather and theft and covers 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 protection plan is a great way to fill that coverage gap.
When does my home protection coverage begin?
There is a waiting period from when you purchase your home protection plan to when you can request service. You'll be advised when your coverage begins before you purchase your plan. Your confirmation email and plan documents will also include this information.
How does the claims process work?
At Cinch Home Services, we strive to keep our claims process simple. If you have a problem with an appliance or system, first review your coverage to make sure you have a claim. Then place a service request by calling or reaching out to us online. Next, we’ll have a service provider contact you so you can agree on a good time for an in-person appointment. During the visit, your item will be diagnosed, and any covered failures will be repaired and/or replaced — unless a part needs to be ordered or acquired first.
What’s NOT covered under a home protection plan from Cinch Home Services?
Other non-mechanical items in your home, like the roof, windows, walls and doors, are typically not included in home warranty 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. Before you buy a plan, it's a good idea to check out the sample terms and conditions. Existing customers can access their plan in My Account, anytime.
How are service providers selected?
Every service provider referred by Cinch Home Services has undergone an extensive screening and selection process. This process includes, but is not limited to, license checks and verification of active liability insurance. We also continuously monitor and score our service providers based on customer feedback.
The choice is easy.
Enroll today and get your first month free on a home protection plan from Cinch Home Services.
*Important Details
Plans, offers, and prices shown may not be available in all states and vary by location, plan type, and any applicable sales tax. Discount applies to the purchase of a new annual home protection plan. Excludes optional coverage and add-ons. Cannot be combined with any other offer.
Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.
1National averages based on actual project costs as reported by unaffiliated third-party home project websites.