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91 User Reviews


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LAST UPDATED: March 3rd, 2021

Headquartered in Ft. Lauderdale, Florida, HMS Home Warranty has been providing customers with savings on major appliances repairs since 1978. The company's mission is to provide peace of mind to real estate professionals, homeowners, and those buying or selling homes. The company is a member of the National Home Service Contract Association. See HMS home warranty reviews below to see what real consumers have to say about the home warranty company.

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The Good

  • Multiple Warranty Plan Types
  • Easy to Navigate Website
  • Online Claims

Multiple Warranty Plan Types

Many home warranty companies don't immediately disclose what types of warranty coverage they have. HMS' sample warranty plans give details pertaining to multiple warranty types for homeowners and real estate professionals:

  • Seller Home Warranty
  • Buyer Conversion Warranty
  • Buyer Direct Warranty
  • New Home Warranty
  • Open Direct Warranty

Various home warranty plans help give homeowners peace of mind that there is warranty coverage that will fit their specific needs. HMS home warranties include repairs and replacements of major appliances such as the air conditioner, heater, refrigerator, dishwasher, stove, oven, washer, dryer, etc. HMS says this on its website in regards to its warranty plan policy: "We agree to pay the covered costs to repair or replace the items listed as covered on your Agreement Coverage Summary if any such items become inoperable during the term of this Agreement due to mechanical failure caused by routine wear and tear, subject to the terms and conditions of this Agreement."

Easy to Navigate Website

HMS Home Warranty has one of the best websites we've seen for home warranties. Many competitors have websites that can be out of date and hard to navigate, but HMS does an excellent job of making information easy to track down through their intuitive website.

Online Claims

Placing a claim online is simple and easy with a customer's contract number and zip code. This restricts the need to place an order over the phone, which could save the customer time. All you have to do is go to HMS' website to the "Place My Claim" section of "My Account." You can submit service requests at any time. If you prefer speaking to someone directly, you can call an HMS representative. 

HMS also provides a step-by-step claim process so you know exactly how it works: submit a service request, schedule an appointment, claim diagnosis, pay service call fee to contractor, submit for approval, and finally, repair or replace the system or appliance if approved. See HMS Home Warranty reviews below to see what customers have to say about HMS' claim process.


The Bad

  • No Mobile App
  • Does Not Cover All States
  • HMS Service Fee
  • HMS Home Warranty Cost

No Mobile App

HMS does a good job of staying current by having active Twitter and Facebook accounts, but does not have an app for Android or Apple devices. This could be helpful for customers to submit claims on their mobile devices instead of having to access a desktop.

Does Not Cover All States

According to our research, we found that HMS Home Warranty doesn't cover all fifty states, but doesn't specify what states they're not available in. However, this is easy for customers to discover by inputting their zip code.

HMS Service Fee

HMS Home Warranty has a relatively high service fee of $100. Home warranty service call fees are typically anywhere between $45 - $100. Quite a few warranty providers are on the lower scale of service call fees; unfortunately, HMS Home Warranty is on the higher end. If you have a lot of visits from service contractors to repair or replace major appliances in your home throughout the year, you are going to end up paying a large chunk of money out of pocket in addition to the original cost of the warranty service contract. It's important to note that this will be especially costly for first-time homebuyers since there are a lot of other expenses to cover in the buying process.

HMS Home Warranty Cost

HMS Home Warranty's cost per year is around $516, depending on the warranty coverage you get. Home warranties usually range between $300 - $600. With many home warranty companies offering coverage in the 300s or 400s, HMS Home Warranty's cost is at the higher end of warranty prices.

View Best Home Warranty Companies


The Bottom Line

Overall, HMS Home Warranty appears to have a variety of plan types, but negative customer reception. Services aren't available in all fifty states and there has yet to be a mobile app made for their services. Read HMS Home Warranty reviews below to see what customers have to say about the home warranty provider.

View Best Home Warranty Companies

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