We bought a foreclosed home in '08. Our title company, Key Title of Reston, Va., added HMS home insurance into our closing paper the last minute when we closed the house. The charge wasn't listed the day before when we requested a copy of the estimated fees. It turns out that HMS was a total disappointment. We've never received the detailed document as of what're covered and what are not. So basically any problems are subjected to the intepretations of HMS. Few months after we moved in, we noticed some ceiling stains under... read full review »