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HMS National is a brand of Cross Country Home Services CCHS, whose warranties are underwritten by HomeSure of America. Making the names a little more complicated, HMS is in the process of rebranding to a new name: Cinch Home Services. This all matters because a company's reputation is linked to its name. Name changes and corporate layers, like in this case, make it hard for consumers to research a company. The Better Business Bureau shows more than 2,300 complaints against HomeSure. Better Business Bureau Among the items we found: The Better Business Bureau BBB received more than 2,300 complaints about HomeSure nationwide in the past three years. That sounds like a lot, but as past Bamboozled columns have shown, it's impossible to tell whether a complaint number is high or low without having the perspective of knowing how much business a company does. We asked CCHS, but a spokeswoman refused to say how many warranties it has. She did say it manages more than one million claims per year. BBB lists 18 alternate business names, including HMS and CCHS, for the company. It's common for a company with that many complaints to receive an low rating from BBB, but BBB didn't rank the company.

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With a home warranty, you can know that even when the unexpected happens, you’ll be taken care of by trusted home repair professionals.

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You will need to understand what your coverage options are.