FAQ: When does coverage begin with my HMS home warranty? - HMS National, Inc.

FAQ: When does coverage begin with my HMS home warranty?

January 30, 2015

If you've decided to invest in an HMS home warranty and you've filled out the paperwork, your next question is probably, "When does my coverage begin?" The answer depends on whether you're selling a house, buying a new home or are just insuring your existing home.

If you're selling your house and decide to invest in a home warranty, coverage begins when your enrollment forms are received. The house will be protected for the duration of the listing agreement period, up to 180 days. You can always apply for an extension of up to 360 days if your house is still on the market.

If you're buying a new home and decide to purchase an HMS home warranty, your coverage begins at closing. When the title is transferred into your name and the payment is received, your new house will be covered. It's a great feeling to walk into your new home and know that your appliances and systems are insured!

Finally, existing homeowners who choose to purchase an HMS warranty are covered 30 days after the receipt of funds. However, be aware that coverage only applies to appliances and systems that are in proper working condition on the plan's effective date. If you have any questions about your new home warranty, call our customer care representatives, who are available 24 hours a day.

The information in these articles is intended to provide guidance on the proper maintenance and care of systems and appliances in the home. Not all of the topics mentioned are covered by our home warranty or maintenance plans. Please review your home warranty contract carefully to understand your coverage.