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Our homes are meant to provide us with comfort, not stress. When major home appliances and systems break down, it can be difficult to come up with the money to get them fixed. With PEMCO and Cinch, you can get the help you need and spend less time worrying about your appliances and more time enjoying your home.



With a home warranty by Cinch Home Services, you can pick the coverage plan that works best for your home and get your first month free.1

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A home warranty, offered by Cinch, makes it simple for homeowners to get the help they need in covering their appliances, built-in systems or both.

Appliances Plan

The Appliances plan covers major items like your refrigerator, microwave, dishwasher, oven, clothes washer and dryer.

Built-in Systems Plan

The Built-in Systems plan protects your home's heating and cooling systems, plumbing, electrical systems and more.

Complete Home Plan

By choosing the Complete Home Plan, you are covering both your appliances and systems at an affordable price. Any PEMCO customer with this plan can also get up to $1000 of their homeowners insurance deductible reimbursed on a homeowners insurance claim (one reimbursement per year) thanks to PEMCO’s partnership with Cinch!2,3



A home warranty is an annual service agreement that provides coverage for the repair or replacement of systems and appliances when they malfunction or break down due to normal wear and tear.

Home warranty coverage and home insurance, while both important, are very different things. Your mortgage lender will require you to have homeowners insurance if you carry a balance on your home loan. Home insurance claims usually involve items such as water damage, broken windows, torn roofs or theft from a break-in.

A home warranty, on the other hand, is a completely optional coverage plan that can help you repair or even replace appliances and systems in your home that you use daily. *

While home insurance is there for the worst-case scenarios that might happen, a home warranty is there for the unexpected things that will definitely happen at some point, especially as your home's systems and appliances age and require more maintenance.

  1. When a covered item breaks down, you can request service online or by phone and the preset deductible is collected.
  2. Cinch will find a pre-screened service pro to diagnose and remedy the problem. If it can't be repaired, it could be replaced. *
  3. You can relax because Cinch helps pay the bill and the covered repair is guaranteed for 180 days. It's that simple.

Cinch has annual warranty plans that start as low as $24.99 a month* with a deductible of $150. Click here to get a quote. *

Homeowners can spend an average of one to four percent of a home's value annually on maintenance and repairs. Repairs to appliances and household systems are not covered under homeowners insurance, and the cost can add up. Additionally, as a house ages, the need for repairs and replacements increases.

Unexpected expenses shouldn't burden your budget. If your home's systems or appliances break, a home warranty can help cover the expenses as well as provide you with qualified service technicians to get the job done right.

When you pay a deductible on your homeowners insurance claim, any PEMCO customer – even if you don't have PEMCO's homeowners insurance – can simply submit proof and get up to $1,000 of the deductible reimbursed if they have the Cinch Complete Home Plan (one reimbursement per year). 2,3

When things like your air conditioning or refrigerator break down, it can be hard to know who you can trust and how expensive it's going to be. With a Cinch home warranty, you can help protect your budget and be sure that your repair or replacement is being taken care of by someone you trust.

A home warranty is a smart investment for many homeowners. This coverage may be right for you if:

  • You just moved or are considering moving.
  • You're selling your home.
  • You're busy and a breakage could throw off your whole day, week or even year.
  • You've purchased an older or a newly constructed home with limited information.
  • You aren't handy and have no immediate resources available.
  • If you currently own a home or are thinking of purchasing one, a home warranty can help protect your investment, alleviate unnecessary stress, and save your wallet from the unpredictable.

1First month free off valid when you choose the monthly billing option on your purchase of a new annual Appliances, Built-in Systems or Complete Home plan. Excludes optional coverage and add-ons. Cannot be combined with any other offer. Not available in all states.

2Reimburses you up to $1,000 when you have to pay a deductible on a covered homeowners insurance claim. Only 1 claim, per member per 12-month period. Additional terms and conditions apply, which will be included in your Cinch plan materials you receive after enrollment.

3This benefit is provided by an unaffiliated third party under an insurance policy issued to Cinch Home Services, Inc., for the benefit of customers enrolled by Cinch Insurance Agency, Inc., an affiliate of HomeSure Services, Inc. and Cinch Home Services, Inc.

*All plans are subject to terms, conditions and limitations in your Cinch service plan agreement. Deductible due at time of service request. Non-covered charges may apply to certain repairs and replacements. Coverage and pricing may vary by state; subject to sales tax where applicable.

Cinch is a registered mark of Cinch Home Services, Inc.