HMS Home Warranty: A Review of the Online Home Protection Provider

HMS Home Warranty is a company that provides home protection plans for homeowners, home buyers, and home sellers in 48 states and the District of Columbia. It claims to offer comprehensive coverage for appliances and systems in your home, as well as 24/7 customer service, quality contractors, and competitive pricing. In this article, we will review HMS Home Warranty, its plans, features, benefits, and challenges.

What is HMS Home Warranty?

HMS Home Warranty is a company that provides home protection plans for homeowners, home buyers, and home sellers in 48 states and the District of Columbia. It was founded in 1989 and is headquartered in Fort Lauderdale, Florida. It is a subsidiary of Cinch Home Services, which is one of the largest and oldest home warranty companies in the US.

HMS Home Warranty offers two plans: Premier and Premier Upgrade. Each plan covers different items and services, such as:

• Premier: This plan covers the repair or replacement of major home appliances and systems, such as refrigerator, oven, dishwasher, washer, dryer, air conditioning, heating, plumbing, electrical, etc. It also includes some additional benefits, such as emergency lodging reimbursement, food spoilage reimbursement, etc.
• Premier Upgrade: This plan covers everything that is included in the Premier plan, plus some additional items and services, such as permits, code violations, improper installation or maintenance, etc. It also includes some enhanced benefits, such as water heater sediment removal, HVAC ductwork modification or replacement, etc.

HMS Home Warranty also offers optional add-ons that cover items and services that are not included in the base plans, such as pool and spa equipment, septic system, well pump, etc.

Read more about How to Choose the Best Home Warranty Company for Your Needs

What are the features of HMS Home Warranty?

HMS Home Warranty provides various features and benefits for homeowners who want to protect their homes and save money on repairs and replacements. Some of these features are:

• Online portal: HMS Home Warranty has an online portal where homeowners can manage their accounts request service track claims renew plans etc. The online portal is accessible 24/7 from any device.
• Customer service: HMS Home Warranty has a customer service team that is available by phone or email from Monday to Friday from 8 am to 8 pm EST and on Saturday from 9 am to 5 pm EST. The customer service representatives are friendly and helpful and can answer any questions or issues that homeowners may have.
• Contractor network: HMS Home Warranty has a network of over 40 000 licensed bonded and insured contractors across the country. The contractors are screened and trained by HMS Home Warranty and can provide quality and timely service to homeowners.
• Service fee: HMS Home Warranty charges a service fee of $100 per service call regardless of the plan or item. The service fee is lower than the industry average and can be paid online or by phone.
• Guarantee: HMS Home Warranty guarantees its workmanship for 180 days for parts and labor. If the same problem occurs within 180 days of the initial service call HMS Home Warranty will send another contractor to fix it at no additional cost.

What are the challenges of using HMS Home Warranty?

HMS Home Warranty also has some challenges that homeowners should be aware of before using their service. Some of these challenges are:

• Limited coverage: HMS Home Warranty has a limited coverage area that excludes Alaska Hawaii Montana North Dakota South Dakota Vermont Wyoming Puerto Rico Guam etc. It does not cover homeowners in these states or territories.
• Exclusions and limitations: HMS Home Warranty has many exclusions and limitations on its coverage that may not be clear or disclosed upfront. For example it does not cover items that are damaged by misuse abuse neglect fire flood earthquake etc. It also does not cover items that are under manufacturer’s warranty or subject to recall etc. It also has caps or limits on the payouts or claims per year or per item.
• Negative reviews: HMS Home Warranty has received many negative reviews and complaints from customers and reviewers who have experienced issues with its service such as delays denials cancellations poor quality etc. It has received a D rating from the Better Business Bureau and a 2-star rating from Yelp.

Conclusion

HMS Home Warranty is a company that provides home protection plans for homeowners home buyers and home sellers in 48 states and the District of Columbia. It claims to offer comprehensive coverage for appliances and systems in your home as well as 24/7 customer service quality contractors and competitive pricing. HMS Home Warranty offers two plans: Premier and Premier Upgrade. Each plan covers different items and services such as refrigerator oven dishwasher air conditioning heating plumbing electrical permits code violations improper installation or maintenance etc. HMS Home Warranty also offers optional add-ons that cover items and services such as pool and spa equipment septic system well pump etc. HMS Home Warranty provides various features and benefits for homeowners who want to protect their homes and save money on repairs and replacements such as online portal customer service contractor network service fee guarantee etc. HMS Home Warranty also has some challenges that homeowners should be aware of before using their service such as limited coverage exclusions and limitations negative reviews etc.