I'm not trying to entertain anyone, it is unfortunately real life. hms sells your home insurance for 1 year after you purchased your home. if you need any coverage for something broken such as (in our case) heating system, you would be fullished by paying their $100 deductible every time they send someone to 'find out' what is wrong. What they really do is getting your money and declined your claim. Our main heater did not work to begin with for injectors (they don't work with propane) were improperly installed in 2006... read full review »