I am not familiar with HMS either. I have used AHS (American Home Shield) and HWA (Home Warranty of America) in the past. I do like the fact that HWA offers a 13 month home warranty (whereas) some of the others offer 12. My experiences have been that they will also allow the referring apply an agent referral fee of $70 back to the client for an additional discount on their purchase. I will have to look into HMS myself.