HMS National

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HMS National Review

When you are buying a home, you want to know that you won’t be saddled with expensive repairs or replacements as soon as you move in. As a seller, you want to offer potential buyers something that gives them added value and extra incentive to make an offer. A home warranty plan from HMS National Home Warranty can solve both of those problems. With comprehensive coverage for appliances and home systems, HMS National Home Warranty offers value and protection for home buyers, sellers, homeowners, and real estate professionals.

What Does HMS National Home Warranty Have to Offer?

  • Free, no obligation quote. Visit the HMS National Home Warranty website and type in your zip code to receive a free brochure outlining the plan options and pricing for your area. Also included is a detailed copy of the service terms agreement.
  • Comprehensive plan options. While some home warranty companies offer a variety of confusing plan options, HMS National Home Warranty makes it easy – choose from two plans with optional add-ons and upgrades for customization to get the coverage you need.
  • No inspection required. HMS National Home Warranty is a great option for both home buyers and home sellers, especially since you don’t need a home inspection to quality. Offering a home warranty can add value to any real estate transaction.
  • Submit a claim online. If one of the appliances or systems in your homes happens to break down or wear out, you want to know that it can be fixed quickly. That’s why HMS National Home Warranty offers their customers the ability to file a claim by phone or online.
  • A Large network of service technicians. HMS National Home Warranty has access to an extensive network of more than 40,000 local and national service partners. Each technician is pre-screened and pre-qualified to make sure they offer fast, friendly, ad reliable service.

Costs and Plan Options

HMS National Home Warranty offers their customers three plan options – the Platinum Care Plan, the Gold Care Plan, and the Bronze Care Plan. You also have the right to add optional coverage for other appliances and systems that are not covered by these three plans – optional coverage is offered on a per-appliance or per-system basis. Below you will find a comprehensive list of what is covered under each plan.

Buyer Plan

  • Central Heating (2 units)
  • Central AC (2 units)
  • Electrical
  • Plumbing
  • Plumbing Stoppages
  • Water heater
  • Attic Exhaust/Whole House Fan
  • Ceiling Fan
  • Central Vacuum System
  • Clothes Washer/Dryer
  • Built-In Dishwasher
  • Doorbell
  • Refrigerator
  • Built-in Ice Maker
  • Garage Door Opener
  • Garbage Disposal
  • Jetted Bathtub
  • Built-in Microwave
  • Oven/Range/Cooktop
  • Range Exhaust
  • Sump Pump
  • Trash Compactor
  • Locksmith Service
  • Appliance Buyline Program
  • Emergency Lodging Reimbursement
  • Homeowners Insurance Deductible Reimbursement

Buyer Plan Cost: The total annual cost for the Buyer Plan is $489 for coverage that begins at closing. You can add optional coverage for an additional central heating unit for $100, additional central AC for $50, or additional refrigerator for $25 each. You can also purchase the Premier Upgrade Plan for an additional $89 which includes extra coverage for things like fees, upgrades, permit costs, and non-covered items associated with a claim.

Seller Plan

  • Central Heating (2 units)
  • Central AC (2 units)
  • Electrical
  • Plumbing
  • Plumbing Stoppages
  • Water heater
  • Attic Exhaust/Whole House Fan
  • Ceiling Fan
  • Central Vacuum System
  • Clothes Washer/Dryer
  • Built-In Dishwasher
  • Doorbell
  • Refrigerator
  • Built-in Ice Maker
  • Garage Door Opener
  • Garbage Disposal
  • Jetted Bathtub
  • Built-in Microwave
  • Oven/Range/Cooktop
  • Range Exhaust
  • Sump Pump
  • Trash Compactor
  • Locksmith Service
  • Appliance Buyline Program

Seller Plan Cost: The total annual cost for the Buyer Plan is $489 for coverage that begins at closing. You can purchase seller air/heat coverage for $75. You can add optional coverage for an additional central heating unit for $100, additional central AC for $50, or additional refrigerator for $25 each.

Other Plan Options: Coverage for existing homeowners (not associated with a real estate transaction) costs $489 per year. For a duplex (2 attached units) you will pay $639 per year, and new home construction plans for single-family homes start at $589 per year.

Optional Buyer Only Coverage Add-Ons:

  • Deductible Buy Down to $50 ($100)
  • Outside Gas Line ($60)
  • Outside Sewer Line ($60)
  • Outside Water Line ($60)
  • Outside Gas/Sewer/Water Line Combo ($120)
  • Pool ($205)
  • Spa ($205)
  • Combo Pool/Spa ($205)
  • Septic Tank/Pumping ($45)
  • Water Softener ($50)
  • Well Pump System ($75)
  • Well Pump System with Booster Pump ($150)
  • Premier Upgrade Package $1,000 ($89)

In addition to the cost of your HMS Home Warranty plan, you will also be responsible for paying a $100 trade service call fee or deductible per claim. You will be required to pay this fee regardless of whether the claim is granted in part or in whole. There is an option to buy down your deductible to $50 – this option is only available to buyers, and it costs $100.

Contracts and Restrictions

To view a copy of HMS Home Warranty service contact agreement, click HERE.

The agreement covers only mechanical failures relating to mechanical parts and components of domestic-grade items that were in the home and are in proper operating condition on the Agreement effective date. Mechanical failure occurs when a covered item becomes inoperable and unable to perform its function. Mechanical failure due to rust and corrosion is not covered.

You must notify HMS Home Warranty immediately upon discovery of any mechanical failure – if you fail to notify HMS Home Warranty of the failure before the expiration of the terms of the agreement, HMS will not be responsible for the cost of any repair/replacements.

HMS has the sole right to select independent contractors – all work covered by the agreements must be performed by an approved contractor. HMS will use reasonable efforts to provide a referral to an independent contractor within 2 hours after the service request is received during business hours.

You may void the agreement within 30 days of the coverage effective date for a full refund of contract fees if no claim has been made. A 10% penalty per month will be added to any refund that is not paid or credited within 30 days after termination.

HMS may terminate the agreement for non-payment, fraud, or material misrepresentation. If terminated for these reasons, HMS shall refund all paid contract fees if no claims were made.

Coverage is subject to a trade service call fee up to your deductible of $100 per service call, per trade agent unless the optional lower deductible is purchased.

Customer Satisfaction

HMS National Home Warranty makes every effort to meet the needs of their customers by offering multiple plan options as well as plenty of optional add-ons. Customers can speak to a Customer Service agent by phone 24 hours a day, 7 days a week, 365 days a year and you can submit your claim online or by phone. You will be required to pay a $60 service fee per claim.

The Better Business Bureau accredited HMS National Home Warranty in 2007, giving the company a B rating on a scale of A+ to F. HMS National Home Warranty has been in business for nearly 40 years, and you can find reviews (both positive and negative) online.

When you compare HMS National Home Warranty to some of its competitors, you will see that there are some significant advantages but also some disadvantages to think about. One of the biggest advantages that HMS National Home Warranty has to offer is the option to customize their plan – choose from three plans with over a dozen optional add-ons. As far as disadvantages go, you may be required to pay a service fee or deductible for each claim.

If you have further questions about HMS National Home Warranty, their plans, or their home service agreement, call toll-free at (800) 531-3466 to speak with a Customer Service representative.

The Bottom Line

HMS National Home Warranty markets their products toward home buyers, home sellers, and real estate agents but anyone can purchase a plan. If you are worried about the possibility of one or more of your appliances or home systems breaking down, a warranty from HMS National Home Warranty could protect you against unexpected costs for repairs and replacements. Plans are affordable, customizable, and they come with access to a premier network of service providers.

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