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HMS National Home Warranty Review


ConsumersAdvocate.org Rating: 1.5 / 5 (Poor)
77 Customer Comments & Reviews - see all comments
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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

0.0/5
Transparency
3.0/5
Claims Processing
3.0/5
Coverage Options
0.0/5
Additional Benefits
1.5/5
Customer Experience

Overall Rating: 1.5 / 5 (Poor)

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 Options - 3 / 5

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 Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Central Vacuums
  • Smoke Detectors
  • Ductwork
  • Sump Pump

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Built-In 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 - 2.5 / 5

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 Processing - 3 / 5

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 Positive Reviews
2
BBB Neutral Reviews
3
BBB Negative Reviews
60
Date Collected
2017-07-21

Reputation - 4.5 / 5

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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77 Customer Comments & Reviews

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A
A L
2/1/2019
The short version: we went over a month without heat while we waited for HMS to replace our boiler. They never did - they said they would and didn't. This company is unreliable and acting in poor faith. A longer explanation: We received our warranty when we closed on our house last year, in case anything went wrong. On December 15, our heat went out. We called the customer service number - and by the way, there are extremely long wait times when you do this. A repair person came out on December 17, but declared that we needed a new boiler. We then spent hours and hours on the phone trying to get HMS to agree to a new boiler which *their own* repair person said was the only fix. We... Read More


J
joyce
1/22/2019
If I could give no stars I would - this is the worst home warranty company ever!! I have been without a range for a month and no end in sight. Do not use these people!


A
Alex Y
1/14/2019
I am having the worst and most horrible experience dealing with this company. I believe they purposely are delaying my claim to fix a hot water heater so I get it fixed outside the warranty process.


K L
1/10/2019
My heather stopped working December 30th. I placed a claim that day with HMS and was able to get someone to come out on Monday the 31st. The technician quickly identifies the problem and says he'll return January 2nd to make the repair because he can't get get the part on a holiday, January 1, 2019. I hear nothing from the technician January 2nd so I call HMS on the third. They tell me the technician submitted the request for the part January 2nd and they're waiting on it. What they didn't tell me was that they rejected the technician's request for the part and ordered it themselves from their own supplier because it was cheaper. With no heat, I call again January 8th which is when, after... Read More


B
Brad B
1/7/2019
The first contractor that was sent to our house was absolutely incompentent. They literally had one star on Google reviews and "F" BBB rating. The fact that you would even associate with a company like that is horrific. That company was either 100% incompetent, or 100% fraudulent - either way, not a good look for HMS. He couldn't even remember which type of refrigerant my system had. His initial diagnosis was that I had a system leak - confirmed by the tag on my system that said a dye test had been performed six months earlier. Then, he called HMS and decided to backtrack, saying the system simply needed cleaned *eye roll*. Either the refrigerant was low, or it was not, and that... Read More


Jack C
12/27/2018
The worst customer service I've ever had. I'll never purchase another product of their's or utilize any company associated with their services. It was truly that bad. They took almost two months to replace a failed microwave. It's been two weeks for a dishwasher. Speaking to a supervisor has no effect on their response times or customer service.


W
wesley y
11/27/2018
Giving HMS a rating higher than terrible makes me question the credibility of this website. Check customer reviews on any other site, and you will see a new complaint every couple days. We received an HMS home warranty as part of the purchase of our home in December 2018. In the course of the last year we had about 4-5 issues submitted to HMS as part of our warranty package. Each ticket required significant follow up from me just to get a response. If I did not continually contact HMS, none of my requests would be serviced. HMS purposely makes the issue resolution process complicated to limit the number of requests from a homeowner. The worst of these instances was with our... Read More


Christie H
11/19/2018
October 21 - Our heater stops heating. We file a claim with HMS and the service tech is scheduled to arrive the next day. October 22 - Tech arrives and quickly figures out the issue. Control board and high limit switch bad. They need to consult with HMS. We pay $100 deductible. Didn’t hear much from the service company. I was constantly checking in every few days on the status of parts and was told each time, “We don’t know when the parts will come in.” Kind of weird and we’re starting to question the service company. October 31 - Received an email from service company saying they were coming to the house that day to repair the heater. Sweet. I don’t even need to be home. They... Read More


rachelgresock
11/18/2018
We purchased our home in June 2018 and moved in August 2018, and we had the house inspected and everything was fine, we noticed last week our shower was leaking directly under the shower on the main floor and the paint was bubbling and a exhaust fan was also leaking so I got in touch with our warranty people and they said they would send someone out to fix the shower, the plumber came and he was in the house for 5 minutes and told us that we needed to re-caulk our shower and he said he didnt feel like fixing the vent line and didnt feel like caulking the shower or looking into it any further and he demanded we pay him 100, so we did and he refused to come back and the people from the... Read More


Harold C
11/5/2018
In July of 2018, as a part of my home purchase, I obtained a home warranty agreement with HMS Home Warranty. During the first week of October I started have problems with my side-by-side refrigerator. The temperature in the freezer started fluctuating by several degrees. It got to the point that after 60 degrees I threw out the food. After contacting HMS, they dispatched A&E (Sears) to make the repair. On October 5th the tech diagnosed the problem was with the front door control panel. He also ordered and replacement motor for the ice maker. After a couple of weeks, the parts arrived. The tech that installed the parts said that the real problem was the master control board.... Read More



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