Cinch Home Services vs. Old Republic Home Protection (2026)
Side-by-side comparison of Cinch Home Services and Old Republic Home Protection: pricing, HVAC caps, BBB ratings, and an honest verdict.
Key Metrics Comparison
| Metric | Cinch Home Services | Old Republic Home Protection |
|---|---|---|
| Overall Score | 6/10 | 8.2/10 |
| BBB Rating | A- | A+ |
| Trustpilot | 2.8/5 | 3.8/5 |
| 3-Year Complaints | 4,200 | 980 |
| Monthly Price | $30.99-$62.99 | $32-$52 |
| Service Fees | $75/$100/$150 | $75/$100 |
| HVAC Cap | $1,500 | $6,500 |
| States Served | 48 | 28 |
Cinch Home Services
The HMS-to-Cinch rebrand did not fix core issues: lowest HVAC cap in the industry and mediocre customer satisfaction.
ConditionalOld Republic Home Protection
Backed by a $12B insurance holding company with the industry's highest HVAC cap. Limited availability is the only real downside.
RecommendedAnalysis
This comparison dives deep into both Cinch Home Services and Old Republic Home Protection, evaluating coverage quality, pricing transparency, customer satisfaction metrics, and contract terms. Content for this section will be added with final editorial content.
Key factors to consider include HVAC coverage caps (critical for homeowners in hot or cold climates), service fee structures, complaint patterns with the BBB, and the fine print around pre-existing conditions and code upgrades.
We analyze real contract language, not marketing copy, to give you the clearest possible picture of what each company actually delivers when you file a claim.