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    CWI Underwriters

    5.0 (4 reviews)
    Closed 8:30 am - 5:30 pm

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    HMS National - March 23, 2020 Call Log

    HMS National

    (247 reviews)

    I had my upstairs a/c unit go out, they sent a great company to fix the issue. Had to be replaced,…read morealong with the furnace, cost me only the $100 deductible. Saved me $10k!!! When the downstairs unit acted up, they let me request the same company, this time it only need a new evaporator, not full replacement. I don't consider a home warranty for anything other than HVAC. If that is covered fully, then it is well worth the $495 a year premium. It is not for minor problems like clogged tubs and fridge parts. I continue to use them on all my houses.

    Our new house came with a realtor's closing gift of a 1-year home warranty for free. We paid out…read moreof pocket to renew the plan for a second year -- and that's when everything went downhill. Previously known as Long & Foster Home Warranty Plan, powered by HMS Home Warranty -- this Florida-based home insurance company has changed its name to Cinch Home Services, I'm told. Whatever they call themselves these days, the fact remains that this company is a total ripoff! Even though you pay all this money for an insurance policy, it is next to IMPOSSIBLE to get them to actually fix anything. I TWICE paid a $100 deductible for each of two different technicians to come out and inspect my faulty dishwasher. Neither tech could identify any problem, though the machine still does not work properly to this day. So I basically paid $200 (plus the additional annual cost of the insurance itself) for absolutely nothing! I am out those hundreds of dollars, plus the hundreds more I'll have to spend eventually to replace the entire dishwasher. And to make matters worse, the second tech scratched my tile kitchen floor when moving the dishwasher out to inspect. So, yeah, thanks for nothing, Long and Foster / HMS National / Cinch Home Services! What a ripoff! Don't make the same mistake I did! Run as fast as you can away from this company. They will collect your money and then offer you absolutely nothing in return.

    CWI Underwriters - insurance - Updated July 2026

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