Cinch P3 Real Estate Products 2026 - Year 0

Cinch P3 Real Estate Products 2026 - Year 0

The Real Estate Cinch P3 products will be available in April 2026. These plans provide CINCH customers with comprehensive, marketplace-leading coverage and are offered to both new and existing customers. Coverage and pricing may vary by region. 

Definitions

Term

Definition

Guest Home/Accessory Dwelling Unit (ADU)

An attached or permitted detached unit with its own separate entry, separate living space, and its own systems and/or appliances.

Per Diem fee

Daily Charge

Plus Plan - Midwest-South (Group 4)

Priced +$160 more than Buyer Base plan, with the addition of PUP

Preferred Plan

Priced +$110 more than the Buyer Base plan, with the addition of PUP 

Premium Appliance Brands Option

Brand matching, when possible and limited to these domestic manufacturers: Asko, Bertazzoni, Bosch, Dacor, Delfield, GE Monogram Series, Fisher & Paykel, JENN-AIR, Kitchen Aid, Meile, Sub Zero, Thermador or Viking Café.

Aesthetic Modifications

Cabinet/count modifications, painting, tile replacement, etc.

Wholesale/Warehouse Club Membership Reimbursement

Reimburses up to $130 for one-time annual paid club membership fee (i.e. BJ’s, Costco, Sam’s Club) during their contract term. Proof of payment must be submitted during contract term. Reimbursement will be for the paid membership not to exceed $130.

Region Group Numbers

Group

Area

States

1

MidAtlantic

DC/DE/MD/East PA/VA/WV                   

2

Northeast

CT/MA/ME/NJ/NY/RI/VT/NH

3

Florida

FL

4

Midwest/South

AL/AR/CO/GA/ID/IA/IL/IN/KS/KY/LA/MI/MS
MO/MN/MT/NC/ND/NE/NM/OH/OK/West PA
SC/SD/TN/UT/WI/WY 

5

West

AZ/CA/NV/OR/TX/WA

What's New

Updated Coverage

Group

Value

Cap

Deductible Options

All

$100/$200

n/a

Guest Home/ADU

1, 3, 5

$110

See T&Cs

No HVAC System Limit

All

n/a

See T&CS

Increased Refrigerant Cap

3, 4

n/a

$25

Premium Appliance Option

1, 3

$350

$10,000

Premier Upgrade Package includes aesthetic modifications

All

$1000 x 2

n/a

Washer/Dryer in Plus Plan

3,4

Included

n/a

Water Heater Cap

3, 4

n/a

$1,500

Wholesale Club Reimbursement

All

$130

$130

Removed From All Plans: Trash Compactor, Food Center, Free-Standing Ice Maker, Central Vacuum

Updated Pricing (see attached Matrix below)


Seller Heat and Air Option

Group

Value

1,2

$50

3

Included - Approximately 15% more on Seller coverage fee

4

$75

5

$75 - CA: Per Diem fee

Other Conditions and Coverage

Condition/Coverage

Value

Plan

Failures Due to Lack of Maintenance

n/a

Seller

Buyer

HVAC PM Reimbursement/Claim No Claim:
 No claim through month 9.

$100

Seller

Buyer

Rust and Corrosion

n/a

Seller

Buyer

Sediment Build Up

n/a

Seller

Buyer

Unknown Pre-Existing Conditions

n/a

Seller

Buyer

Added Features

Features

Value

Plan

180-day Workmanship Guarantee

n/a

Seller

Buyer

Appliance Buying Service

n/a

Seller

Buyer

Discount on HVAC Filters

$25

Seller

Buyer

Emergency Lodging Reimbursement

Up to $1,200

Seller

Buyer

Handyman Reimbursement

Up to $100

Seller

Buyer

Homeowners Insurance Deductible Reimbursement

$1000

Seller

Buyer

Locksmith Reimbursement Service

$50

Seller

Buyer

ReKey Benefit

Up to 6 Locks

Seller

Buyer

Wholesale Club Membership Reimbursement

Up to $130

Seller

Buyer

Basic Coverage Details

AlertCoverage may vary by region.
See Matrix for additional details

Covered Items by Trade

Seller

BUYER
$100/$200 Deductible

Buyer Preferred

$200 Deductible

HVAC

Air Conditioning (Unlimited Units)

Seller Air & Heat

includes geothermal and ductwork

Heating Systems (Unlimited)

Geothermal & Water Sourced Heat Pump/Converted Heated System & Boiler ($1500 cap)

Ductwork

Concrete Encased Ductwork ($1000 cap)

Appliances ($4000 cap)

Dishwasher (Built-in)

Clothes Washer/Dryer
Not included in base for all regions.

Refrigerator

Microwave (Built-in)

Washer/Driver

Oven/Range/Cooktop/Built-in Grills

Range Exhaust

Electrical

Attic Fans

Ceiling Fans

Door Bell(s)

Electrical System

Garage Door Opener

Lighting Fixtures

Smoke Detectors

Plumbing

Concrete Encased Plumbing
($1000 cap)

Expansion Tanks

Faucets (similar features of finish styles & replacements)

Garbage Disposals

Hot Water Dispenser

Plumbing Stoppages (up 125 ft. )

Plumbing Systems

Pressure Regulators

Rough Finish ($1000)

Shower Heads/Arms/Diverters/Angle Stops/Risers

Sump Pump

Toilets

Whirlpool/Jetted Bathtub

Water Heater


Optional and Additional Coverage

Additional Item

Value

Cap/Limit

Optional Item

Value

Cap/Limit

Clothes Washer

$30

Up to 5 units

Pool with Heater

$275

$1000

Clothes Dryer

$30

Up to 5 units

Spa with Heater

$275

$1000

Dish Washer (Built In)

$30

Up to 5 units

Pool/Spa Combo

$275

$1000

Garage Door Opener

$36

Up to 5 units

Saltwater Pool with Heater

$275

$1,500

Kitchen Grill (Built In)

$30

Up to 5 units

Saltwater Spa with Heater

$275

$1,500

Microwave (Built-In)

$30

Up to 5 units

Outside Gas Line

$60

$2,000

Range Exhaust

$30

Up to 5 units

Outside Sewer Line

$60

$3,000/Repairs - $1,500/Sidewalk

Range/Cooktop/Oven

$30

Up to 5 units

Outside Water Line

$60

$2,000

Refrigerator w/Icemaker and water Dispenser

$30

Up to 5 units

Outside Gas/Sewer/Water Line (Combo)

$120

Refer to caps above

Sump Pump

$75

n/a

Septic Tank Pumping

$75

$500/Pumping - $1,000/Tank

Water Heater

$96

$1,500 Groups 3,4

Standalone Freezer

$50

$4,000 - Up to 5 units

Whirlpool/Jetted Bathtub

$125

n/a

Water Softener

$75

n/a

Idea
Options/Additions can be added 30 days before or 30 days after the effective date

Premier Upgrade Package

$150

$1,000 x 2 per year. Duplex 2x the price


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