Cinch Home Services
Formerly Cross Country Home Services and HMS Home Warranty, now operating under the Cinch brand with nationwide coverage.
Reliability Score
74
out of 100 · grade B
The verdict: Cinch Home Services's independent reputation signals add up to 74/100 (grade B): an A+ BBB rating, 1.05★ across 817 BBB reviews and 4.0★ on Trustpilot.
The Reliability Score blends independent reputation signals only, never marketing, and never raw complaint counts (which scale with company size). How it's calculated →
Independent reputation signals
A+
BBB rating · accredited
1.05★
817 BBB reviews
4.0★
4,761 Trustpilot reviews
2,424
BBB complaints (3 yr)
Complaint counts scale with company size, a large national provider naturally logs more than a small one, so we show them for context but keep them out of the score.
How the score is built
Each signal scaled to 0–100, then weighted.
A+ grade
1.05★ · 817 reviews
4.0★ · 4,761 reviews
Annual cost
$350-$700
Service fee
$75-$150
Availability
50 states
Coverage by plan tier
| System / Appliance | Appliances | Built-in Systems | Complete Home |
|---|---|---|---|
| Ceiling Fans | |||
| Central Vacuum | |||
| Ductwork | |||
| Electrical | |||
| Garage Door Opener | |||
| HVAC | |||
| Kitchen Appliances | |||
| Laundry Appliances | |||
| Plumbing | |||
| Pool/Spa | |||
| Roof Leak | |||
| Septic System | |||
| Water Heater | |||
| Well Pump |
Hover icons for limit and exclusion details. Based on Cinch Home Services's published plan documents.
Available in 50 states
Not currently available in 1 state:
What the data says about Cinch Home Services
Factor in BBB rating, BBB reviews and Trustpilot and Cinch Home Services lands a 74/100 Reliability Score (grade B). Complaint resolution is where the BBB grades it A+. Its everyday customer reviews tell a related story: 1.05★ on the BBB, 4.0★ on Trustpilot.
Plans run $350-$700 per year, plus a $75-$150 service fee per visit. Founded in 1978, it now operates under Cinch Home Services (formerly Cross Country Home Services). Available in 50 states. The headline price rarely predicts the claims experience; the contract's exclusions do, so read the sample contract before purchasing.
Disclaimer: Informational only; not legal, financial, or insurance advice. Figures are point-in-time snapshots from the sources above and change over time. Always confirm current plan terms directly with the company before purchasing.
Every figure on PlainWarranty is rendered directly from BBB, Trustpilot, and state regulatory data, no number is typed in by an editor. Company figures are computed directly from BBB, Trustpilot, and state regulatory data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.