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 scores 74/100 (grade B) for reliability - a 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
What the data says about Cinch Home Services
Cinch Home Services earns a Reliability Score of 74/100 (grade B), built from BBB rating, BBB reviews and Trustpilot. Its A+ BBB rating reflects how it handles and resolves complaints, while customers rate it 1.05★ on the BBB and 4.0★ on Trustpilot, the gap between a company's complaint-handling and its everyday customer sentiment is often where the real story is.
Plans run $350-$700 per year, with a $75-$150 service fee per visit. Founded in 1978, it operates under Cinch Home Services (formerly Cross Country Home Services), and is available in 50 states. As with any home warranty, the contract's exclusions, not its headline price, usually decide whether a claim is paid, so read the sample contract before buying.
Sources for this page
- Better Business Bureau - rating, accreditation, complaints, and reviews for Cinch Home Services. BBB profile
- Trustpilot - customer review score and count. Trustpilot profile
- Cinch Home Services plan documents - coverage matrix, service fees, and pricing.
- Reputation data retrieved 2026-06-15. See our methodology.
According to our independent reputation-signal analysis, Cinch Home Services scores 74/100 (grade B) for reliability, backed by a A+ Better Business Bureau rating. See our methodology for how the Reliability Score is calculated.
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.
Related guides & tools
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.