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. 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 Apr 28, 2019

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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
Plans and Coverage:
The Fine Print:
Editor Rating:
Reader Rating:
Covered Appliances and Systems
Facts and Figures
30 days
Effective in
$499 - $588
$1000 - $3000
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

  # 1 Select Home Warranty
Editorial Rating 98.5
  • 24/7 service calls
  • Great annual promotions
  • Plans under $30/month
  • High contractor professionalism
  • Quick replacement payments
  • First 30 days: Free cancellation
  # 2 Choice Home Warranty
Editorial Rating 96.8
  • Market veteran
  • Large and established firm
  • Emergency service available
  • Free cancellation within 30 days
  • 24/7 service calls
  • Reservice for failed repairs
  # 3 Total Home Protection
Editorial Rating 91.2
  • Emergency service available
  • Free cancellation within 30 days
  • 24/7 service calls
  • Multiple optional coverage items
  • Clients praised communication
  • Reservice for failed repairs

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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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.


How to contact
Main page >> Contact us
Online chat
Social media

Company sales representatives and customer support can be reached at The HMS Home Warranty phone number is 1.800.247.3680.

Benchmarks HMS National Other companies

Company size
0 1,650
Annual revenue
0 $1,276,000,000
Number of homeowners
No data
0 2,200,000
Number of BBB complaints closed within last 3 years
0 14,850
0 383,900
Number of independent contractors
0 44,000


BBB accreditation
Gold 2019 Stevie Award in the Sales Distinction of the Year category, Silver 2019 Stevie Award in the Front-Line Customer Service Professional of the Year category, Silver 2019 Stevie Award in the Best Use of Technology in the Customer Service category, Bronze 2019 Stevie Award in the Customer Service Complaints Team of the Year category, Bronze 2019 Stevie Award in the Business Development Achievement of the Year category

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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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

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 94.6% of industry
Time to cancel automatic renewal
Fee for contract transfer
Above industry average
Max time to submit claim
At industry minimum
Repair timeframe
Repair timeframe (weekends and holidays)
Free second opinion
As 50% of industry
Emergency service available
As 86.8% of industry
Hours for service calls
As 85.2% of industry
Reservice if repairs fail
Free reservice period (parts)
Free reservice period (labor)

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:

This company is everything they say they are and then some. I have never been more satisfied with any service type organization. On top of that, their employees are the most polite in the world.

Trust Link, April 30, 2013

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


Relative Score

Adjusted Score

Complaints Board
Ripoff Report
Pissed Consumer
Google Reviews
My 3 Cents
Active Rain
Trust Link

Summary Rating

Types of repairs performed according to customer feedback:

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

Main takeaway points from customer feedback:

HMS National
Industry Average
Good work
Professional contractor
Good communication
Money offer
Fast work
Act of good faith
Communication problems
Repair delay
Claim denial
Tricky terms
Unexpected costs
Unprofessional contractor
Payment delay

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. 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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