Cinch

If you are a homeowner who values pricing flexibility and a variety of extra perks above occasional discounts on certain services, Cinch Home Services may be a good option. One of these perks is a $25 credit for purchasing a new air conditioner or refrigerator filter.

The coverage maximum for Cinch Home Services is clearly stated on the company's website as $10,000 per year. All insured properties must be in good condition (including regular maintenance) and be of "domestic grade." Cinch's plans typically only include mechanical parts; therefore, non-mechanical parts, such as oven racks, may not be covered. Each part of the sample contract that describes what is covered also provides instances of what is not included.