HMS National Review

This Homesure of America Home Warranty review is based on information collected from the company as well as customer reviews collected from multiple consumer reporting sites. ReviewhomeWarranties.com paid close attention to the company’s credibility, policy, terms and conditions, coverage, and pricing. Please read this review carefully before you sign a contract with HMS. It provides all of the necessary information that will help you make an educated decision about HMS Home Warranty.

Updated for Feb 07, 2018

Official website:  

HMS National Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Ratings
Trustworthiness:
Plans and Coverage:
Feedback:
The Fine Print:
Promotions:
Editor Rating:
Reader Rating:
Covered Appliances and Systems
Facts and Figures
30 days
Effective in
24/7
Hours
$25
Cancellation
$499 - $588
Premium
$100
Deductible
$1000 - $3000
Limits
Pros And Cons
Market veteran
Large and established firm
Emergency service available
Free cancellation within 30 days
24/7 service calls

High chance of payment delays
1 day to submit a claim
Online chat not supported
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Our Top-Rated Alternatives to HMS National

 Almost-Nationwide Service

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Best Gold Plan ("Platinum Care") Select Home Warranty Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Wyoming, District of Columbia + 20 More States
More Than 10 Years on the Market

Most Comprehensive Coverage Available

Free Reservice Period for Parts

Emergency Service Available

Cheapest and Best Basic Plan ($34/m) Choice Home Warranty Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Minnesota, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming, District of Columbia + 20 More States
 Customer Service Available 24/7

 Least BBB Complaints

Great Reviews on Google Places

Reservice for Failed Parts

1 Free Month Upon Annual Sign-Up Total Home Protection Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, Colorado, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Florida, Minnesota, Utah, Wisconsin + 15 More States

Editorial Notes

Established almost forty years ago, HMS Home Warranty is a veteran of the home warranty industry. It provides services all across the USA, including California, Texas, Ohio, New York, Virginia, and Florida. The company’s premiums range between $489 and $587, which is the industry’s average, and the deductible is $100, which is a bit above the average.

What customers like most about HMS Home Warranty is that the company’s representatives are easy to reach online and by phone, and an emergency response is available 24 hours a day, 7 days a week. Twenty-four percent of the customers praised the company’s good work, which is twice as much as the industry’s average.

Premium cost level:
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Trustworthiness

HMS Home Warranty was established in 1979, the same year as the other industry giant, TotalProtect Home Warranty. Since then, the company has been a successful provider of home warranty services for customers all over the United States, except Alaska and Hawaii. The company is headquartered in Fort Lauderdale, Florida.

Accessibility

How to contact
Main page >> Contact us
Online chat
No
Social media
-

Company sales representatives and customer support can be reached at https://www.hmsnational.com/contact-us. The HMS Home Warranty phone number is 1.800.247.3680.

Benchmarks HMS National Other companies

Company size
375
0 1,650
Annual revenue
$77,000,000
0 $1,276,000,000
Number of homeowners
No data
0 6,380,000
Number of BBB complaints closed within last 3 years
2,491
0 14,850
Traffic
221,000
0 383,900
Number of independent contractors
40,000
0 44,000

Reputation

BBB accreditation
NR

HMS Home Warranty BBB rating is B, which is a very good index compared to many other companies in the industry. The company has received 2.9 out of 5 stars based on 76 customer reviews, which is comparable to such industry leaders as Select Home Warranty.

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Coverage

HMS Home Warranty offers a variety of plans for home sellers, home buyers, and existing homeowners. There are plans available for single-family homes, duplexes, townhouses, condos, and new home construction.

Home sellers may only purchase a basic plan either for a single-family home or for a condo/townhome. It includes all major home systems and appliances plus pest control services and extras.

Similar basic plans are available for home buyers as well. Premier plans, however, are available to home buyers only. In addition to the basic plan coverage, the premier plan includes the Premier Upgrade Package and a homeowner’s insurance deductible reimbursement.

The Premier Upgrade Package provides home buyers with extra coverage for items excluded under any home warranty. Some examples include, but are not limited to: fees required for permits mandated by federal or local government, upgrades as required when replacing heating or air systems, and non-covered items associated with a covered claim.  

Additionally, HMS Home Warranty offers home buyers optional coverage for items such as additional central air conditioning or water heater units, refrigerators, pool and spa, well pump system, and more. Each item is priced separately.

Summary of plans and coverage:

Coverage Term
Service Call Fee
ItemsLimit Platinum Combo Plan Silver Combo Plan Optional Coverage
Premium Amount - $588.00 $499.00 $45.00 - $205.00
Service Call Fee - $100.00 $100.00 -
Term, Month - 12 12 12
Coverage$1,000.00 - $3,000.00

What does HMS Home Warranty cover?  

To answer this question, we took an HMS Home Warranty brochure for Texas, as an example, and carefully studied the information and summarized it below. It will give you a general idea of HMS warranty’s coverage. For other states, information may slightly differ.

Air Conditioning


For Air Conditioning, the company covers mechanical parts and components for up to two systems of the ducted electrical central heat pump system or the evaporative (swamp) cooler unit. Please note that ductwork from the air conditioning unit to the point of attachment at registers/grills is covered. The coverage limit is $1,500 per agreement term.


Central Heating System

The company covers mechanical parts and components of two systems, either the hot water and steam heating system, or the centrally ducted forced air gas/electric/oil heating system, or electric baseboard units if providing the primary source of heat in the dwelling.

The coverage includes accessible ductwork from covered heating unit to point of attachment to register/grill. HMS will not pay more than $1,500 per covered item per contract term for any repairs or replacements. This limit is comparable to coverage limits of other home warranty companies.

Plumbing System


HMS Home Warranty’s plumbing coverage includes mechanical parts and components of the garbage disposal, interior hose bibs, shower and tab valves, leaks and breaks (except when caused by freezing or roots), toilet tanks, bowls and mechanisms, valves, sump pumps, whirlpool motor, and clogs in the sewer lines up to 125 feet from the point of access. Coverage includes access, diagnostics, and repair. Please note that a request to clear the same line(s) after fourteen days’ time has elapsed will be considered a new claim and require a new deductible.

Septic System
 

As for HMS Home Warranty septic system coverage, the contract may cover the mechanical parts and components of one sewage ejector pump located within the perimeter of the main foundation.

The clearing of stoppages within the connecting waste line leading from the house to the primary septic tank, which is attributable to normal wear and tear and can be accessed through an existing cleanout without excavation, is also covered by HMS.

Please note that in the event the septic tank needs to be pumped or replaced, you may be responsible for locating an independent contractor to perform the necessary repairs or replacement. The coverage limit for pumping the septic tank is $500, and $1,000 for septic tank replacement.


Electrical System


Electrical system coverage by HMS includes standard mechanical parts or components located within the perimeter of the outer load-bearing walls consisting of ceiling fan motors and their controls, excluding transmitters and remotes. All exhaust fans in the house, smoke detectors, interior light switches, and doorbells are also covered.

Home Appliances

HMS Home Warranty covers most components and parts that affect the operation of major home appliances. These include washer and dryer, refrigerator, dishwasher, exhaust unit, oven/range/stove/cooktop, and built-in microwave. The coverage limit is $3,000 in the aggregate per contract term, which is above the average limit of the market.

Optional coverage is available for home buyers only. It includes pool and spa, well pump system, additional a/c units, outside gas, sewer and water lines, and more.

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The Fine Print

Item
Comparison to Industry
Coverage effective after
Above industry average
Cancellation with refund within
Above industry average
Cancellation fee
Below industry average
Automatic policy renewal
As 94.7% of industry
Time to cancel automatic renewal
n/a
Fee for contract transfer
Above industry average
Max time to submit claim
At industry minimum
Repair timeframe
n/a
Repair timeframe (weekends and holidays)
n/a
Free second opinion
As 47.4% of industry
Emergency service available
As 88.7% of industry
Hours for service calls
As 85.5% of industry
Reservice if repairs fail
n/a
Free reservice period (parts)
n/a
Free reservice period (labor)
n/a

We have scrupulously read all of the terms and conditions in order to find every little, yet important, detail of the company’s operating procedures. We found that HMS Home Warranty coverage becomes effective thirty days after the contract was signed. It is possible to cancel the contract within thirty days with a $25 cancellation fee.

In case the contract is not canceled, it will be renewed automatically. This is almost an industry standard with 95% of the companies having this term in their policy. The contract can be transferred to a new owner with a $25 fee, which is above the industry average.

Unfortunately, we could not find any information on repair timeframes either during business hours or on weekends and holidays. Information on reservice parts and labor in case the repair fails is not available either.

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Customer Reviews and Feedback

Quotes from actual customer reviews:

We had a misunderstanding on the coverage and after talking with them and chatting online, they fixed the problem

Yelp, Chicago, Illinois February 7, 2017

The tech arrived around 1pm, wet vacc'd the condenser catcher that was rusted (so of course this has happened in the past) and said I am good to go. Ha. Well it worked the rest of the summer, so I was fine with the temporary fix. Tech comes, checks a few things, and advises I need a full replacement of the two units and leaves the emergency heat on (which is extremely expensive). That was 12/13/17. As several people hear have stated, I also got the whole ""someone will contact you within 24-48 hours"", ""we cannot call you directly"", back and forth about 8 times, and literally spent about 5-6 hours in total waiting for HMS reps to answer the phone, got put on hold several times, and even was hung up on.

Google Reviews, January 10, 2018

Summary of ratings from popular review sites:

HMS National Industry Average

Website

Relative Score

Adjusted Score

Yelp
86
121
1.0
1.8
1.2
Complaints Board
48
225
1.0
1.0
2.4
Ripoff Report
13
25
1.0
1.0
2.4
Pissed Consumer
329
137
1.2
1.4
2.1
BBB
155
183
2.0
3.2
1.4
Google Reviews
105
372
1.2
3.2
0.5
YSCAM
1
11
1.0
1.0
2.4
My 3 Cents
50
53
1.0
1.1
2.2
Active Rain
11
15
4.4
4.3
2.5
Trust Link
43
39
2.0
1.3
4.0

Summary Rating
1.7
2.0
1.9

Types of repairs performed according to customer feedback:

Air conditioner Heating system Plumbing Refrigerator Oven Dishwasher Water heater Pump Dryer Electrical Doorbell Washer Disposal Pool Cooktop exhaust fan Well pump Garage door Outside water line Spa

Main takeaway points from customer feedback:

HMS National Industry Average
Good work
11%
12%
Professional contractor
6%
6%
Good communication
0%
5%
Money offer
6%
4%
Fast work
0%
3%
Act of good faith
0%
0%
Communication problems
23%
18%
Repair delay
23%
17%
Claim denial
6%
12%
Unprofessional contractor
6%
7%
Tricky terms
4%
7%
Unexpected costs
11%
7%
Payment delay
3%
2%

HMS Home Warranty reviews were collected from multiple consumer reporting sites. Overall, we gathered more than 1,000 reviews from eleven sources, including the Better Business Bureau, Yelp and Google Reviews.

Average rating scores ranged from 1 out of 5 stars based on 42 reviews at My3Cents, to 4.4 out of 5 stars based on eleven reviews on ActiveRain.

Happy customers reported high satisfaction with contractors’ good work and professionalism, while unhappy customers complained about communication problems, repair delays, and unexpected costs.  

In some cases, when company clients left negative reviews, there was a misunderstanding between the customer and support, or the customers misinterpreted the company’s terms and conditions.

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The Final Words

HMS Home Warranty is one of the oldest companies on the market. With all of the experience in home services and customer satisfaction, it may surely be considered one of the most reputable home warranty companies.

The company offers home warranty plans for home buyers, home sellers, existing homeowners, as well as new home construction warranties. There are basic and premier plans for single-family homes, townhouses, and condos.

ReviewHomeWarranties.com collected HMS Home Warranty reviews from multiple websites and performed meticulous research of the company so that you could make an educated choice regarding a home warranty for your property.

The HMS Home Warranty terms and conditions are clearly stated in the company’s brochure. The policy may vary by state, so please read it carefully, and contact company representatives with any questions before making your final decision. Alternatively, you can check the reviews of our best home warranty companies.

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