HMS – Home Sure of Virginia is a total rip off. Talk about your “creative accounting” – they ought to hook up with the folks in California – HMS will have that deficit paid off in NO TIME. After numerous calls to obtain a receipt for payment & my renewal policy, my husband & I decided to go ahead & terminate this contract with HMS due to lack of customer service & trying to use the policy was like pulling teeth.. The “refund” included a twenty five $25 cancellation fee & instead... read full review »