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HMS National Home Warranty Review


Rating: 6.1 / 10 (Very good)
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HMS National is a home warranty provider based out of Fort Lauderdale, Florida. They also offer real estate errors and omissions insurance in order to provide protection against unforeseen circumstances. Their unlimited service guarantee is extraordinary in the industry, and their most positive feature. They are a BBB-accredited company with a B rating.

How is HMS National rated?

Breakdown

6/10
Coverage
7/10
Reputation
5/10
Contract & Price
6/10
Claims & Service

Overall Rating: 6.1 / 10 (Very good)

HMS National’s comprehensive appliance coverage and unlimited service are their largest draw. However, HMS National’s BBB rating, $360 starting premium, reasonable service fees, and 30-day service waiting period are all within the industry average.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Systems Benefit Limit
$1,500

Coverage - 6 / 10

HMS Nationa provides exclusively hybrid policies, without a term-level cap, or any sort of cap on appliances. While systems are capped at $1,500, anything labeled as ‘unlimited’ in the home warranty is exceedingly rare. As far as specific coverage goes, their covered systems, appliances, and specialty items are fairly run of the mill.

What does HMS National cover?

Covered Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Central Vacuums
  • Smoke Detectors
  • Ductwork
  • Sump Pumps

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Trash Compactors

Exclusions

For a full list of HMS National exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic

Contract & Price

Contract Details

Annual Premium
Starting at $360
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 5 / 10

Along with an online quote calculator, HMS National offers a 30-day money back guarantee, if the customer is not fully satisfied with the service. Their 12-month, base-level contract has a starting annual premium of $360, and does not require a home inspection before activation.

Sample Contract

HMS National provides a sample contract for potential customers on its website: HMS National Sample Contract

Cancellation Policy

1. You may void this Agreement within thirty (30) days of the coverage effective date for a full refund of the contract fees paid if no claim has been made. The right to void this Agreement as provided in this paragraph is not transferable. A ten (10) percent penalty per month will be added to any refund required under this paragraph, including any accrued penalties, that is not paid or credited within thirty (30) days after termination of this Agreement pursuant to this paragraph. 2. You may cancel this Agreement within thirty (30) days of the coverage effective date if a claim has been made, or at any time thereafter, at which time you may be entitled to a refund of unearned contract fees paid based on the short rate schedule less a processing fee of twenty-five dollars ($25) and less the cost of any services performed pursuant to the Agreement, where permitted by law. If the refund calculation results in you owing us payment for services provided, we may bill you for the lesser of the net amount due to us or the unpaid annual term contract fee. We will bill or charge you any balance owed to us through the same mechanism as any previous installment billings, or we will direct bill you if such a mechanism is not available.

Claims & Service

Claims

Service Fee
$50, $100
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size
40000

Claims & Service - 6 / 10

HMS National operates a 24/7 claims department, which is always ready to connect customers with one of their 40,000 in-network contractors. In the event of a service visit, only available after their 30-day waiting period, the fee ranges between $50-$100, which is par for the industry.

HMS National Reputation

Company Details

Year Founded
1979
NHSCA Membership
BBB Rating
B
BBB Rating
2
BBB Neutral Reviews
3
BBB Negative Reviews
60
Date Collected
2017-07-21

Reputation - 7 / 10

In addition to being a member of the NHSCA, HMS National is also accredited with the Better Business Bureau. Their B rating, which has been held since 2007, is based on two positive, three neutral, and 60 negative reviews.

Contact & Additional Information

Homepage URL
Company Phone
(954) 835-1900
Headquarters Address
1625 NW 136th Ave Bldg E # 200, Sunrise, FL, 33323
Mailing Address
1625 NW 136th Ave Bldg E # 200, Sunrise, FL, 33323
Year Founded
1979

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Customer Comments & Reviews

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Jessica W
New York, New York
11/17/2017
I have never received customer service as terrible as I have from HMS Home Warranty. Today I waited four hours for a repairman that never came, but that is only the latest incident in my months long saga to get my dishwasher repaired. 1. Every time I call it is at least a 20 minute wait to get someone on the phone. And the only time you can set an appointment is between 8am and 5pm. I work full time and do not have time to sit on the phone for over half an hour during that time to set an appointment. 2. When I finally do have time to sit and wait on the phone to make an appointment it is a 3-4 week wait. 3. The problem was not solved on the first visit. I finally, after over a... Read More


K
Kathy O
Roanoke Rapids, North Carolina
11/11/2017
Eight weeks have passed since submitting the claim on 9/13/2017 and it is still not resolved. It has been determined that the control board on the 24" wall oven is bad and that replacement parts are not available. HMS gave two options: 1) a very nice 27" GE wall oven priced at $1899 or 2) $1000. Wall ovens are typically built into a cabinet, as is mine. The 27" wall oven offered would require the cabinet to be rebuilt and the light switch to be moved; HMS won't pay for that. I requested a 24" GE wall oven, that would actually fit the cabinet, priced over $600 less from the website they sent me to. HMS is firm on the two options they gave, the 27" wall oven or the $1000.... Read More


K
Kathy O
Roanoke Rapids, North Carolina
10/13/2017
According to the HMS Customer Service center, an appliance should be diagnosed within 72 hours and repaired in 1-5 days. We put in a claim for a wall oven on 9/13/2017. The oven does not heat up; it's non-functional. Sears came out on 10/5/2017 to diagnose the issue. The parts arrived at our home on 10/10/2017. The earliest Sears can return to install the parts is 10/17/2017. We also put in a claim for the dishwasher on 10/6/2017. The lights on the control panel blink; it's non-functional. The earliest Sears can come to diagnose the issue is 10/19/2017. It's apparent that HMS cannot meet the service level expectations.


V
Valerie
College Park, Maryland
8/19/2017
I received an HMS warranty with the purchase of my house. In the year that I had it, I never had a problem with HMS. Every time I contacted them, their reps were polite, sympathetic, and competent. I think I made 5 claims in my first year, and they never denied one or gave me any type of trouble. The companies that they sent out always did satisfactory work, but didn't seem to follow through with the administrative side of things, often forcing me to contact HMS to have them follow up when an issue required a second visit. When my furnace stopped working in the middle of a very cold January, I had to wait a week and a half for a repair, due in large part to the service provider not... Read More



Top Rated
Our Partner
9.7 / 10
  • Far and away the trusted industry leader
  • They have paid out over $1.8 billion in claims in the past 5 years
  • Nationwide network of more than 13,000 contractors
  • More than 1.6 million customers
  • Best reputation in home warranty industry