I purchased the highest tier warranty available from Cinch Home Services, covering appliances and systems, over the phone. I was told my deductible would be $50. I was never sent a copy of the contract, despite calling to request it several times. The first time I had to call for service, it took TWO MONTHS just to get them to enter a service request. The next time, we went without heat for over a week in 30 degree weather when our central heater blower motor went out. They couldn't find anyone to do the job, because they treat contractors so poorly (i.e., don't pay them for months after they complete a job, refuse to cover all of what it takes to complete the repair, etc.). This time, I had a leak under the kitchen sink and the faucet was broken after a super hard freeze. We went without water in the kitchen for THREE WEEKS because 1.) I was dismissed and rudely hung up on repeatedly by outsourced, chauvanistic, foreign men who had no grasp of typical English communication. I'm not talking about an accent. I'm talking about the abject inability to communicate using the English language. 2.) once a service request was actually entered, at 4:00 P.M., and I had paid a $150 (not $50) deductible, they called me 16 hours later at 8:30 A.M. to tell me they couldn't find a provider and I was on my own to find someone to do the repairs, pay that provider myself, and then PRAY that Cinch would reimburse me in two months. 3.) When I refused that "option" and asked to speak to someone about canceling, since they're incapable of servicing my warranty, I was finally transferred to someone who spoke English. I was then outsourced to yet another company, Plus One Solutions, that is somehow TIED to Cinch but also a separate entity, to actually find a service provider. 4.) Plus One Solutions didn't get the memo from Cinch that I had a leak under the sink. They were only authorized to cover the faucet, which was the least of the issues. Their solution was for ME to call Cinch AGAIN to get a work order for the leak. 5.) It took two weeks AFTER a plumber agreed to work "just this once" with Cinch before we had water in the kitchen. 6.) Cinch refused to cover a faucet comparable to the one I had. I have a ceramic sink, with no hole on the side for a sprayer. My sprayer was part of the faucet. The cheapest comparable faucet the plumber could find was way more than the $85 limit Cinch placed on him. The part needed to fix the leak in the plumbing was also more than the $25 limit Cinch placed on him. I had to pay this plumber $170, on top of the $150 deductible I paid Cinch. There's no point in having a warranty unless they fix the problems, no matter what it costs. I could have just plopped down $320 to get a plumber three weeks before when the problem arose. At least we wouldn't have had to go without water in the kitchen for three weeks. Don't waste your money.