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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?


Contract & Price
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.


Key Facts

Plan Types
Benefit Limit Type
Per Item
Typical Systems Benefit Limit

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


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?
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.

Claims & Service


Service Fee
$50, $100
Maintenance Records Required for Service?
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size

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.

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.

HMS National Reputation

Company Details

Year Founded
NHSCA Membership
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

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

Top Rated
Our Partner
9.7 / 10
  • Far and away the trusted industry leader
  • They have paid out over $3 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

Latest HMS National Reviews

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College Park, Maryland

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

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