Updated On

April 27, 2023

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    Homesure of America, also known as HMS National or HMS Home Warranty, is one of the top home warranty companies available. HMS National has been in the home warranty business for nearly 40 years, has more than 40,000 service contractors, and offers around-the-clock access to its customer service team. The company offers two home warranty plans which cover repairs and replacements on home appliances and systems.

    This HMS National review will outline the home warranty company’s plan options, pricing, processes, and customer reviews.

    Summary of benefits

    Available plansBase planP
    remier plan 
    AvailabilityAll states, except Alaska and Hawaii
    Average cost per monthApproximately $40
    Service fee$100–$200
    Contract termThe contract is for a 12-month period and can be renewed annually. Contracts can be cancelled at any time with a 30-day written notice.
    Service recall period180 days
    SupportA customer support team is available 24 hours a day, seven days a week, 365 days a year.
    Cancellation fee$25
    Reviews“Very good experience! Very timely and very fair. Thank you.”
    “Definitely a 10. The prompt, smooth way this was all handled. How quick this was repaired and even the company that I worked with.. I was surprised.. Happy.. I would recommend them to anyone.”
    Years in business39 years
    BBB ratingB+
    BBB complaintsN/A

    HMS Home Warranty plans and coverage

    While HMS Home Warranty’s plans vary by state and type of residence you live in (house, apartment, condo, etc.), there are two plans available to contract holders: a base plan and a premier plan. Contract holders can also purchase coverage for systems, like a pool, spa, or septic tank, within the first 30 days of the contract’s effective date.

    Both the base plan and premier plan cover the following items:

    • Air conditioning/heating system
    • Electrical system
    • Plumbing system
    • Hot water heater
    • Oven/range/cooktop
    • Refrigerator with built-in icemaker
    • Built-in dishwasher
    • Washer and dryer
    • Built-in microwave
    • Built-in trash compactor
    • Vacuum
    • Microwave
    • Garbage disposal
    • Ceiling, attic, and house fans

    Note: With the premier plan, the appliances and systems covered are the same as the base plan, but the Premier Upgrade Package (PUP) provides buyers with up to $1,000 of coverage for non-covered charges on repairs or replacements.

    Coverage length

    A home warranty contract with HMS lasts for 12 months and can be renewed annually. A contract can be cancelled at any time, provided there’s a 30-day written notice. Customers can also opt for a multi-year agreement to activate an HMS home warranty renewal.

    Coverage limits

    While HMS has a coverage limit of $3,000, there’s no limit to the number of times a contract holder can use the service. However, an HMS Home Warranty does have individual caps as well as an aggregate claims maximum per contract term. The company recommends contract holders refer to the terms, conditions, and limitations in their service agreement to understand what is and isn’t covered.

    HMS home warranty cost

    The annual premium for an HMS home warranty is between $400–$600 depending on the state in which you live. HMS also offers multi-year discount pricing.

    • On average, the base plan for a single-family home costs $489, while a condo or townhome costs $459. 
    • On average, the premier plan for a single-family home costs $588, while a condo or townhome costs $558.

    Read more: Best home warranty for condos

    Service fees range between $100–$200 with a coverage limit of $3,000.

    Note: The overall cost of your HMS home warranty will depend on your state, type of home, and plan.

    Monthly cost

    Since the annual premium for an HMS home warranty is between $400–$600, the monthly cost is approximately $40 per month.

    Service fees

    HMS service fees range between $100–$200. However, some repairs may require more than one technician visit, and a service fee will apply for each visit. If a technician has to order a part and come back for a future installation, this would not incur an additional service fee. These fees vary by state.

    How does an HMS home warranty work?

    When a home appliance or system that’s covered under the warranty breaks, customers can request repair and replacement service by:

    • Submitting a claim onlinehere
    • Calling HMS at a toll-free support phone number: 800.432.1033

    Once the technician has diagnosed the problem, they will call HMS to report the issue. HMS will then determine your coverage options according to the terms and conditions of your specific contract. It’s important to read your contract and understand what is and isn’t covered, prior to submitting claims with HMS.

    If the broken item is covered, a repair date will be assigned. If the item is beyond repair, the technician may recommend a replacement. This replacement cost is typically covered by HMS, which is typical of most home warranty companies. The two main factors HMS considers when determining if an appliance or system should be repaired or replaced are:

    1. If repairs will cost more than 50% of the cost of a new appliance or system, HMS may recommend the item be replaced.
    2. HMS considers the average life expectancy of the covered item. If it’s nearing the end of its life span, it might make more sense to replace it than to repair it.

    How to make a service call

    HMS customers can make service calls by calling the company’s toll-free support number at 800.432.1033.

    HMS national customer reviews

    In addition to servicing homeowners, a large part of HMS’s customer base is composed of real estate agents who highly recommend HMS to their clients. Here are some HMS home warranty reviews featured on the company’s website:

    Karen W. from Brookfield, WI:

    “As a real estate agent, I had a seller that took out an HMS Home Warranty and it saved them $2,000 on a furnace problem and another $200 for a problem with a drain line, both detected during the home inspection. I always suggest a home warranty to sellers.”

    M.H. from Minneapolis, MN:

    “Thank you for great customer service! Your willingness to actually help submit the claim demonstrates that your concern for the customer extends beyond closing. I will definitely recommend HMS and you to all my clients and fellow realtors.”

    L.T. from Franklin, TN:

    “I have been a full-time realtor for over 35 years and always suggest that clients get a home warranty. From my experience, I chose HMS for my home as did my son. You have always done what you promised, therefore, I will continue to recommend HMS.”

    N.B. from Smithville, TN

    “I am a realtor and have used several warranty companies. You handled my personal claim wonderfully.”

    However, there are some customers who have not had the best experience with the home warranty provider. Below is one complaint from the company’s Better Business Bureau (BBB) profile:

    “They were not helpful at all. Every time I called them to check on my status, I got a different answer. I felt like I was bothering them, they were minimally helpful, and I did most of the work myself by finding a technician for my heating emergency issue. There are so many other warranty programs out there. Do not use this one.” — Michael L.

    HMS ratings

    The BBB gives HMS a B+ rating. HMS has resolved most of their complaints on their BBB company profile, which is a factor in the BBB’s rating system. It shows that the company is responsive to its customers.

    Our top-rated alternatives to HMS

    There are many home warranty companies available, which can make it difficult to find the best fit for your individual needs. If you’re not sure whether HMS is right for you, here are three top-rated alternatives to consider.

    Frequently Asked Questions About Homesure of America Home Warranty

    What is a home warranty?

    A home warranty helps protect homeowners from the expenses that come with unexpected repairs to appliances (i.e. washers, dryers, refrigerators, garage door openers, etc.) and other home systems (i.e. air conditioning, heating, plumbing, electrical, etc.). Different from an insurance policy, a home warranty is a service contract that covers items that need to be repaired and replaced in the home.

    Is an HMS home warranty worth it?

    Having a home warranty saves homeowners the headache of vetting a repair company and paying costly out-of-pocket expenses for unexpected repairs or replacements. Because of this, an HMS home warranty is definitely worth the long-term value it offers.

    What is covered by Homesure of America?

    HMS covers a variety of systems and appliances. The HMS base plan and premier plan cover your air conditioning and heating system, electrical system, plumbing system, oven/range/cooktop, refrigerator, built-in dishwasher, built-in microwave, built-in trash compactor, and more. However, with the HMS Premier Upgrade Package, buyers can get up to $1,000 of coverage for non-covered repairs or replacements.

    Does HMS cover roof repairs and replacements?

    Roof repairs and replacements are not included in HMS’s base plan.

    How much does Homesure of America cost?

    You can expect to pay between $400–$600 a year for your HMS home warranty. The overall price will depend on where you live, the type of house you inhabit, and the HMS plan you choose.

    Every person and every home needs the plan that’s right for them. Check out some of our other expert reviews to get all the information you need to find the right home warranty for you. Remember, each of these companies gives a free quote.

    Editorial Contributors
    Alora Bopray

    Alora Bopray

    Staff Writer

    Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

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    Roxanne Downer


    Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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