Cinch P3 Real Estate Products 2026 - Year 0
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) | Adds $160 to the Buyer Base plan, and includes PUP. |
Preferred Plan | Adds $110 to the Buyer Base plan, and includes PUP. |
Premium Appliance | 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. Cinch will match the brand on replacements when possible. |
Aesthetic Modifications | Cosmetic modifications such as cabinet/counter install, cuts, painting, tile replacement, etc. |
Wholesale/Warehouse Club Membership Reimbursement | Customers are eligible for reimbursement of a one-time annual paid club membership fee (i.e. BJ’s, Costco, Sam’s Club) up to $130 during their contract term. Proof of payment must be submitted during the contract term. Reimbursement applies only to the Membership Fee. |
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, |
5 | West | AZ, CA, NV, OR, TX, WA |
What's New Overview
|
What’s New |
Details |
|
Guest Home/ADU pilot product created for Mid-Atlantic, Florida, and West |
Sold as a separate plan. |
|
Homeowners Deductible Reimbursement added to MidAtlantic and Northeast |
All regions now have this benefit up to $500 L&F reimbursement remains up to $1,000 |
|
Premium Appliance Option extended beyond L&F and added to MidAtlantic and Midwest South |
$350 value, $10,000 cap. |
|
Three Northeast states (AL, LA, MS) relocated
from Northeast to Midwest South
|
Newly added benefits for these states:
|
|
South (except Florida) relocated to Midwest South |
Newly added to the South: refrigerant cap ($25).
|
|
Texas merged with the West |
The merge resulted in 5 groups instead of 6 |
|
Plus Plan added to Florida and Midwest South |
Includes PUP and washer/dryer in base coverage |
|
PUP Option includes aesthetics/cosmetic repair |
Automatically included in Preferred and Plus plans |
|
No HVAC Limit added to Florida, Midwest-South, and West |
Unlimited HVAC coverage is now available in all regions. |
|
‘No Air’ removed from the West (Group 5) |
Plan has been discontinued |
|
Added Reimbursement Benefits to all regions |
Wholesale Club Reimbursement ($130) Handyman Reimbursement ($100) |
|
Removed From All Plans: Trash Compactor, Food Center, Free-Standing Ice Maker, Central Vacuum |
|
|
See Matrix for New Pricing
for ALL groups |
|
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 |
Long & Foster and Weichert
However, the following longstanding differences between the two partners still apply:
- Homeowners Insurance Deductible Reimbursement (HIDR) coverage is up to $1,000
- all other groups and partners, including Weichert, remain at $500.
- Outside Sewer Line up to $3,000
- ELR benefits are not included.
- Provides a 10% discount for Year 0 customers.
- Includes an ELR benefit up to $1,200
Existing Conditions Covered
Condition/Coverage | Value | Plan | |
Failures Due to Lack of Maintenance | n/a | Seller☐ | Buyer☒ |
HVAC
PM Reimbursement/Claim No Claim: | $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☒ |
Additional Benefits
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 | $500 | 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
Coverage may vary by region.See Matrix for additional details
|
Covered Items by Trade |
Seller |
BUYER Single Family Home |
Preferred/Plus Single Family Home Includes PUP |
|
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 |
✓ |
✓ |
✓ |
|
Refrigerator |
✓ |
✓ |
✓ |
|
Microwave (Built-in) |
✓ |
✓ |
✓ |
|
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 (125’) |
✓ |
✓ |
✓ |
|
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 |
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 |
Water Heater | $96 | $1,500 | Standalone Freezer | $50 | $4,000 |
Whirlpool/Jetted Bathtub | $125 | n/a | Water Softener | $75 | n/a |
 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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