Prosperity Home Mortgage and Cinch Home Services have you covered!

When covered appliances or systems in your new home break down, we're here to help.

Request service

What is a home warranty?

It's a service plan that helps cover the cost to repair or replace your essential appliances and systems when they break down from everyday use — no matter how old they are.† Not only can it save you money, it also eliminates the hassle of finding qualified service providers because we've done the vetting for you.

How it works

Request

When a covered item breaks down, request service anytime online or by phone and pay your preset deductible.

Repair

We'll find a pre-screened service provider to diagnose and remedy the problem. If it can’t be repaired, it will be replaced.†

Relax

We help pay the bill and your covered repair is guaranteed for 180 days. It's that simple.

What is covered by a Cinch Home Services warranty?

It covers repair and replacement of over 20 essential appliances and systems:

HVAC System

  • Air Conditioning System
    (up to $2,000)
  • Heating System
    (up to $2,000)
  • Ductwork
  • Concrete-Encased Ductwork
    (up to $1,000)

Electrical System

  • Electrical Wiring, Switches
    and Outlets
  • Ceiling Fans
  • Garage Door Openers
  • Smoke Detectors
  • Central Vacuums

Plumbing System

  • Interior Plumbing and Gas Lines
  • Garbage Disposals
  • Plumbing Stoppages
    (up to 125 ft)
  • Toilets
  • Water Heaters
  • Sump Pumps
  • Jetted Bathtubs

Appliances ($750 cap on each)

  • Clothes Washers and Clothes Dryers
  • Refrigerators
  • Ranges/Cooktops/Ovens and
    Range Exhausts
  • Dishwashers/Microwaves/Trash Compactors (Built-in)
  • Freestanding Ice Makers
  • Food Centers (Built-in)

Other

  • Failures Due to Lack of Maintenance
  • Unknown Pre-existing Conditions
  • Rust and Corrosion
  • Water Heater Sediment Buildup
  • Repair to Rough Finish
    (up to $1,000)

Requesting service is easy with My Account!

Help is just a few clicks away.

 

Once you close on your home, you'll be able to use My Account where you can request service in less than two minutes. Log on anytime, anywhere, from any device.

Create your account

All plans include:

Discounts on brand-name appliances when you're ready for an upgrade

A $25 credit to use toward filters for your A/C

Easy-to-read plan documents so you know exactly what's covered

Frequently Asked Questions

How long does my coverage last?

Your Cinch coverage lasts for one year from the date of closing. Before your current plan expires, we'll contact you about how to continue to protect your home and budget for years to come.

How much does repair service cost?

At the time of the service request, you will pay a $50 deductible.

 

Helpful reminders:

  • The deductible is per service trade. So, if you have more than one item that needs repair and they are in different service trades — for example, a plumber and an electrician — there will be a deductible due for each one.
  • Certain items have coverage caps. If your repair or replacement cost exceeds the cap, you will be responsible for the difference.
  • There could also be additional charges if more work is needed to fix the issue. For instance, if a permit is needed or you need a new concrete slab for a replacement A/C unit, those costs are not covered by your plan.

How do you choose your service providers?

Every service provider in our network has undergone an extensive screening and selection process, which includes background and license checks plus verification of active liability insurance. We also continuously monitor and score them based on customer feedback.

What is NOT covered?

Other non-mechanical items in your home, like the roof, windows, walls and doors, are typically not included in protection plan 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.

How do I request service?

You can request service anytime — 24/7! Visit this page or register for My Account. My Account registration is free and allows you to easily request service or manage your plan online. You can also request service by calling {{dynamic_phone}}.

Real stories, real customers

"I’m very pleased with the service Cinch Home Service has provided me. The representative was very knowledgeable and was able to provide me with the correct service I need. I’m looking forward to being a loyal customer."
- Kate, Raleigh, NC
"Representative was extremely knowledgeable. She patiently addressed my concerns. The excellent customer service was instrumental in my decision to purchase a policy, and canceling my previous warranty policy."
- Rebecca, Jersey City, NJ
"I called to determine what makes Cinch standout from the other companies. All of my questions were answered and I felt like the rep took the time to address all of my concerns and what Cinch offered, and why they were a better company."
- John, Hanford, CA
"I would have paid over a thousand dollars in parts and repairs. I only paid [a small deductible] to have all three appliances repaired."
- R.C., Kalama, WA

Real stories, real customers

"I'm very happy with the service. When the toilet overflowed, the plumber came in, did the job and had to replace some parts. He was great. He was a very pleasant and competent man. I was totally satisfied."
- Nancy of Haymarket, VA
"I made a claim to Cinch for a plumbing issue. They came out quickly and got it taken care of. I had a toilet leak and a shower leak, and they fixed both of them. The tech was great. He knew what he was doing. He fixed it and was nice about it.."
- Jeffrey of Knoxville, TN
"I do claims online, which is quick and easy. The website is very easy to follow. The repair people I've had so far have been very good as well. I'd recommend this home warranty. It's worth having."
- Janet of North Olmsted, OH
"I would have paid over a thousand dollars in parts and repairs. I only paid [a small deductible] to have all three appliances repaired."
- R.C., Kalama, WA

About Cinch Home Services

For over 45 years, we've been committed to helping customers protect their homes and budgets.

ConsumerAffairs 4x Category Winner

Recognized for BEST customer satisfaction rates in:

Claims Handling

Coverage Options

Technicians

Value for Price

When things break down, we step up.