I've used HMS Home Warranty for two years. The first year was because service was free – it came with my newly purchased house. The second year was because I didn't know any better. I've filed multiple claims with them over the years related to the plumbing, the AC, etc. And each time is a real hassle. Their online claims system routinely mistakens me for someone else with the same last name. They generally don't use good contractors – the ones who serviced my AC compressor didn't even speak English well! They will nickel and dime you at every opportunity. Their coverage is limited too. Not worth the hassle! Do some research and see what companies are highly rated in your area.