Although it’s best to get a home warranty as soon as you become a homeowner, you can purchase a plan at any time during the buying, selling or home-owning experience.

Even though purchasing a home warranty is important when buying or selling a home, you will also want to purchase a warranty when your existing limited-time warranties expire or when you remodel and add new appliances or systems to your home.

For NJ residents, the product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer. 

While a Cinch Home Services warranty plan offers a wide range of coverage, some situations are not covered by a home warranty, including:

• Neglect and failure to do scheduled maintenance
• Cosmetic dents and scratches to appliances
• Non-mechanical items in the home, such as windows, walls, doors and the roof
• Improper installations or repairs
• Pest damage
• Misuse 

Unlike many other plans, Cinch Home Services' warranties usually cover “unknown pre-existing conditions.” To fully understand what isn’t covered, read the details of the “General Exclusions and Limitations” section of a plan’s terms and conditions.

While home insurance policies are typically required for homeowners, a home warranty plan is never mandatory. But since insurance policies don’t cover costs for daily wear and tear to the appliances and home systems you rely on, warranty coverage can save you a lot of trouble and money.

Homeowners insurance covers four primary areas of your home:

• Personal property that could be stolen or damaged
• The interior of your home
• The exterior of your house
• General liability that covers you if someone gets injured on your property

Home warranties generally cover failures incurred from daily wear and tear to both your home’s major appliances and systems such as:

• Major kitchen appliances like your fridge or built-in microwave
• Clothes washer and dryer
• Water heater
• HVAC systems 
• Plumbing and electrical systems

Home warranties are not just for new appliances and systems. A home warranty plan has several benefits for owners of older appliances and systems:

• Fill coverage gaps: The manufacturers’ warranty plans will likely have expired on your older appliances and systems and homeowners insurance doesn’t cover damage due to wear and tear.
• Save on repair costs: A home warranty plan helps replace large, unexpected costs with a small, predictable monthly plan. 
• Get qualified repair service and a low service fee: A home warranty plan connects you to a network of experienced service providers, and all Cinch Home Services plans guarantee their work for up to 180 days.
• Get matched with a service pro: Our customer service takes care of matching you with an in-network service provider when you make a claim, so you don’t need to go searching for one yourself.
• Secure your peace of mind: Inevitably, one of your items may breakdown, but with a warranty plan, you may not need to dip into long-term savings or credit to pay for it.