HMS Home Warranty VS 2-10 Home Warranty

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HMS Home Warranty Review

HMS Home Warranty

Our Score: 4.8

User Score: 0

Total User Votes: 0










HMS Home Warranty Company Details:

Price:
$360-$500+

Deductible:
$50-$100

Effective:
After Enrollment

Coverage:
Nationwide

Time in Business:
35 Years

BBB Rating:
B+

Site Security:
No

Phone Number:
1-954-835-1900

Fax Number:
1-800-68-7307

CEO:
Sandra Finn

Hours:
M-F 8-5

Promo Code:
None

Address: 1625 NW 136th Ave Bldg E # 200, Sunrise, FL 33323

2-10 Home Warranty Review

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2-10 Home Warranty

Our Score: 3.2

User Score: 3.2

Total User Votes: 5










2-10 Home Warranty Company Details:

Price:
Free Quote

Deductible:
$30-75

Effective:
Depends on the policy

Coverage:
Nationwide

Time in Business:
30 Years

BBB Rating:
A+

Site Security:
No

Phone Number:
(720) 747-6000

Fax Number:
(303) 368-0529

CEO:
Scott J. Cromie

Hours:
24/7

Promo Code:
None

Address: 10375 E Harvard Ave., Suite 100, Denver, CO 80231

Making an intelligent and cost effective choice between HMS vs. 2-10 home warranties requires a breakdown of the terms and conditions set by the companies, a look at what customers have to say about the them, their coverage, warranties, cost effectiveness and network providers.

In comparison, basic appliance coverage is fairly uniform. Air conditioner and heater, refrigerator, dishwasher, stove, oven, washer, dryer are covered by both companies, although 2-10 does claim built in microwaves among the items protected under terms and conditions. HMS simply says “and others” in addition to the items listed on their web site. Consumers must bear in mind, that coverage of any home repair is governed on a state to state basis. Fully understanding the terms and conditions requires a website visit. HMS and 2-10 both offer a list of items covered on their web site by zip code.
Basic coverage is roughly even.

HMS has been in the warranty business for more than 30 years and has millions of users. 2-10 also claims millions of warranty holders. The difference in pure availability of repair personnel clearly favors HMS. They have 40,000 servicemen and women in covered areas while 2-10 has only 10,000. That means there is a much greater chance of going out of network for repairs through 2-10.

HMS is far ahead of 2-10 in available servicing.

Because the scope of coverage varies not only from insurer to insurer but from policy to policy, it is nearly impossible to determine a bottom line price for comparison. However, range of costs are viable examples. HMS offers a basic policy cost that runs from $360-500 with a deductible ranging from $60-100. 2-10s coverage costs $305-600 and the deductible range is roughly the same as HMS.

Costs of coverage is a tie.

Both 2-10 and HMS have millions of users. However, the number of repairmen/repairwomen advantage must be brought to mind again along with the availability of in service area workers.

Rating systems and customer reviews paint a murky picture of which company has a better claim process and service personality. HMS’ Better Business Bureau rating is a B+ while 2-10 has a rating of +A. However, Consumer Affairs ranked HMS as the #1 warranty company in the business with 2-10 several places below. However, both companies got excellent reviews from warranty holders.

2-10 has the advantage of BBB rating and customer favor-ability.

2-10’s structural warranties are outside the scope of HMS. HMS covers floor structure and wall structures while HMS only delves into electrical systems and plumbing alongside 2-10s coverage.

The question that any consumer has to ask themselves through this comparison is “is it worth it?” Does one of the comparisons make one company significantly better than the other?

The true comparison in coverage is a matter of consumer need and faith in a home’s structural soundness. It is far more likely that a person in an older house would want to carry 2-10 broader array of services.

If a purchaser wants to cancel their account, things can be a little tricky due to state laws. Some states allow cancellation while others do not. HMS allows cancellation with a $25 processing fee along with whatever is stipulated in the terms and conditions. 2-10, on the other hand, offers a “cancel at any time” policy which is available simply by writing.

In sheer clarity, that merits an advantage to 2-10.

The claims process is much easier through 2-10 under the terms outlined in the company’s web site compared to HMS. Claims are streamlined and quick for 2-10 customers.

2-10 gets the advantage under claims processing.

A home warranty consumer must decide for themselves what to look for in coverage. Generally speaking, on the surface 2-10 offers a better deal but