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
BBB A+ complaint grade
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.
Cinch Home Services carries an A+ BBB letter grade for complaint handling and is BBB Accredited.
Better Business Bureau · Trustpilot reputation blend, see methodology.
Cinch Home Services vs every tracked home warranty company
Reliability Score (0-100), Better Business Bureau + Trustpilot blend
74 Top 32% higher than 68% of 19 companies
Companies, banded by Reliability Score
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source BBB + Trustpilot reputation blend · 2026-06-15
Where Cinch Home Services sits: cost vs. reliability
The two numbers that actually trade off when picking a home warranty plan, plotted against 19 tracked peers. Dividers sit at the peer-group median ($500/yr, 63/100), not a simple high/low average, so one outlier can't drag the split off-center. See the full registry view on the homepage.
Cinch Home Services vs. cost-and-reliability peers
Independent reputation signals
A+
BBB rating · accredited
1.05★
817 BBB reviews · bottom third
4.0★
4,761 Trustpilot reviews · middle third
807
BBB complaints (12 mo) · 2,424 over 3 yr
Among 19 listed issuers, Cinch Home Services's 807 BBB complaints in the last 12 months place it #5 (6% of the corpus total); raw counts are not a reliability ranking.
BBB A+ complaint grade - weighted signals
Each signal scaled 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
Customer base
400,000+
Revenue band
$100M-$500M
Official site
Cinch Home Services coverage across 3 plan tiers
| 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.
Across 14 system types in this matrix, 10 show full coverage on at least one tier. Uncommon inclusions here: Central Vacuum (17/19 issuers), Ductwork (18/19 issuers).
Available in 50 states
Not currently available in 1 state:
Nationwide companies with similar reliability or review volume
Two peer sets for Cinch Home Services on BBB/Trustpilot-derived metrics that vary across the full issuer corpus, not state service-area overlap.
Similar reliability score
Nearest Reliability Scores (74/100 here).
Similar Trustpilot review volume
Nearest Trustpilot review counts (4,761 here).
BBB A+ complaint grade
Why Cinch Home Services lands in the top reliability third
Cinch Home Services carries an A+ BBB letter grade for complaint handling and is BBB Accredited.
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.
Cinch Home Services FAQ
How reliable is Cinch Home Services?
Cinch Home Services has a PlainWarranty Reliability Score of 74/100 (grade B), based on an A+ BBB rating, 1.05★ across 817 BBB reviews and 4.0★ on Trustpilot. The score blends independent reputation signals only and excludes raw complaint counts.
How does Cinch Home Services rank against other home warranty companies?
Cinch Home Services ranks #6 of 19 home warranty companies we track by Reliability Score, ahead of 68% of the tracked companies.
What does Cinch Home Services's BBB rating mean?
Cinch Home Services holds an A+ Better Business Bureau rating, which reflects how it handles and resolves complaints, separate from its customer review average.
Is Cinch Home Services a good value?
Cinch Home Services plans run $350-$700 per year with a $75-$150 service fee. The cheapest plan is rarely the best value, the contract's coverage limits and exclusions matter more than the premium.