HMS National
HMS National is a US-based home warranty subscription provider (founded ~1980, Fort Lauderdale) operating as Cinch Home Services. It issues protection plans for home systems and appliances, distributed primarily through real estate agents who enroll their homebuyers and sellers during transactions.
- Company typePrivate
- Founded1980
- HeadquartersFort Lauderdale, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What HMS National does
HMS National, operating under the consumer-facing brand Cinch Home Services, Inc., is a US-based home warranty subscription provider headquartered in Fort Lauderdale, Florida, that has been operating since approximately 1980 and employs 251–500 staff. The company issues home protection plans covering major household systems and appliances against failure due to normal wear and tear, distributing these plans principally through a B2B2C channel-partner model in which individual real estate agents, brokers, and realtors enroll their homebuyer and seller clients during property transactions. HMS National also distributes through direct consumer enrollment via website, a 24/7 phone line ((800) 247-3680), fax, and mail, and serves homeowners independently as a secondary persona.
The product portfolio centers on four offerings: (1) Cinch Home Protection Plans, the core subscription warranty product covering residential systems and appliances when they fail; (2) Real Estate Plans, specialized plans tailored for transaction-based enrollment with value-add features including a 180-day workmanship guarantee, a Claim-No Claim Warranty, locksmith services, and Appliance Buyline discounts; (3) the Agent Resource Center, a web-based portal (signin.hmsnational.com) for real estate professionals to enroll, generate invoices, and convert seller warranties; and (4) Errors and Omissions (E&O) business insurance sold through the affiliated HMS Risk Management brand (hmsriskmanagement.com). The underlying operations rely on a national service partner network that performs covered repairs or replacements, with HMS National absorbing covered claims costs and earning revenue through recurring plan premiums.
The business model is straightforward recurring subscription: agents or homeowners pay annual premiums in exchange for the company absorbing the cost of covered repairs/replacements. Distribution is weighted heavily toward real estate agent intermediaries, with multi-channel enrollment (web/phone/fax/mail), account executives for agent support, and content marketing (blog, FAQs, brochures) used to support the channel. Geographic footprint is US-domestic only, with no disclosed international operations. Evidence of customer engagement consists exclusively of individual real estate professional testimonials from Tennessee, Minnesota, and Wisconsin, indicating a long-tail SMB customer base rather than concentrated enterprise accounts.
HMS National firmographics
Firmographics- Name
- HMS National
- Legal name
- Cinch Home Services, Inc.
- Website
- https://hmsnational.com
- Company type
- Private
- Founded year
- 1980
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- HMS National is a US-based home warranty subscription provider (founded ~1980, Fort Lauderdale) operating as Cinch Home Services. It issues protection plans for home systems and appliances, distributed primarily through real estate agents who enroll their homebuyers and sellers during transactions.
- Ownership category
- akta.pro rank
HMS National industry classification
Industry- Product category
- Home Warranty Services
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Home Warranty / Residential Service Contracts (Systems & Appliances) (FSAJALAG)
Keywords
Where HMS National is headquartered
LocationHeadquarters
- HQ city
- Fort Lauderdale
- HQ country
- United States
- HQ region
- North America
Markets served
HMS National business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Supply Chain, Technology or R&D
Revenue model
- Home Warranty Plan Subscriptions: HMS National generates revenue through annual home warranty plan subscriptions paid by real estate professionals on behalf of their clients or directly by homeowners. Plans cover repair/replacement costs for covered appliances and systems when they fail, with the company absorbing costs for covered claims and earning revenue through plan premiums.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
HMS National product offering
Product offeringCore offering
HMS National, operating as Cinch Home Services, sells annual home warranty and protection plans that cover repair and replacement costs for major home appliances and systems when they fail due to normal wear and tear. Plans are distributed primarily through real estate professionals who enroll their homebuyer and seller clients during real estate transactions, with direct enrollment also available to homeowners. The company handles service requests 24/7 and assigns local service partners to complete covered repairs or replacements.
Product overview
Cinch Home Services (a brand of HMS National) operates as a home warranty company offering a unified product portfolio centered on home protection plans. The core offering consists of Cinch Home Protection Plans covering home systems and appliances, with specialized Real Estate Plans tailored for real estate professionals to protect clients during transactions. These are supported by the Agent Resource Center platform for agent enrollment and plan management, and E&O insurance as an additional coverage product for real estate professionals. The portfolio is designed to serve both homeowners directly and real estate agents as intermediaries.
Differentiator
Problem solved
Functional benefit
Products and services
- Cinch Home Protection Plans Home warranty and protection plans that cover major home systems and appliances when they fail due to normal wear and tear. Customers can request service 24/7 online or by phone, and if a covered item is beyond repair, Cinch may recommend and pay for a replacement. Targeted at homeowners seeking protection against unexpected repair costs.
- Real Estate Plans Home warranty plans specifically designed for real estate professionals to offer their clients during home transactions. These plans minimize the risk of closing delays due to system or appliance failures and include exclusive benefits such as the Claim-No Claim Warranty, 180-day workmanship guarantee, locksmith services, and Appliance Buyline discounts.
- Agent Resource Center Online portal exclusively for real estate professionals to enroll and manage home warranty plans, generate invoices, convert seller warranties, and access enrollment tools. Agents can create accounts to manage warranties and access their online toolbox.
- Errors and Omissions (E&O) Insurance Business insurance policies offered to real estate professionals to cover their own professional liability, complementing the home warranty plans that protect their clients' homes.
Quantifiable outcome
- Seller saved $2,000 on furnace problem and $200 on drain line problem during home inspection
Companies that use HMS National
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
HMS National technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
HMS National partnerships and signals
Strategic signalRecent moves4 records
Expansion highlights5 records
HMS National competitors and assessment
Company assessmentDirect peers
- Landmark Home Warranty: Regional-to-national home warranty carrier with comparable subscription products and real estate agent distribution; competes for the same pool of agent-driven enrollments.
- Choice Home Warranty: Major US home warranty provider with comparable plan structures, real estate partner programs, and 24/7 claim submission; directly competes with Cinch in the same SMB home-buyer and seller segment.
- Old Republic Home Protection: Subsidiary of Old Republic International offering residential service contracts on the same real estate channel with overlapping system/appliance coverage; close competitor in the agent-enrolled warranty segment.
- Liberty Home Guard: National home warranty carrier selling annual service contracts through real estate professionals and direct to homeowners; comparable subscription model, plan structure, and target customer base to Cinch.
- America's Preferred Home Warranty: Mid-sized US home warranty company selling comparable annual protection plans with real estate channel partners; direct competitor for both buyer and seller warranty enrollments.
- 2-10 Home Buyers Warranty (2-10 HBW): Established US home warranty provider distributing primarily through real estate channels; serves the same new-homebuyer segment with structural and appliance coverage competing directly with Cinch/Cinch Real Estate Plans.
- First American Home Warranty: Operated within First American Financial, offers home warranty plans with analogous real estate agent channel and appliance/system coverage; competes head-to-head with Cinch for agent-driven enrollments.
Broad incumbents
- American Home Shield: Largest US home warranty carrier, owned by Frontdoor (NASDAQ: FTDR); directly comparable subscription-based home warranty products covering major systems and appliances with similar real estate channel distribution.
- Assurant (Home Solutions / Assurant Solutions): Fortune 500 insurer with home protection/warranty products within a broader lifestyle and connectivity portfolio; broader incumbent with overlapping residential service contract offerings.
- Frontdoor (parent of American Home Shield): Public parent of AHS offering tech-enabled home service plans; comparable warranty products but operates at broader scale with investments in claims automation and onboarding technology.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
HMS National social profiles
Digital presenceHMS National financial estimates
Financial estimateRevenue estimate
Valuation estimate
HMS National leadership team
Management profileNumber of profiles
Profiles1 record
HMS National funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HMS National M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HMS National
What does HMS National do?
HMS National, operating as Cinch Home Services, sells annual home warranty and protection plans that cover repair and replacement costs for major home appliances and systems when they fail due to normal wear and tear. Plans are distributed primarily through real estate professionals who enroll their homebuyer and seller clients during real estate transactions, with direct enrollment also available to homeowners. The company handles service requests 24/7 and assigns local service partners to complete covered repairs or replacements.
Is HMS National a public or private company?
HMS National is a private company. It is classified as unknown and is currently operating.
When was HMS National founded?
HMS National was founded in 1980. It employs 251 to 500 people.
Where is HMS National based?
HMS National is headquartered in Fort Lauderdale, United States, in the North America region.
How does HMS National make money?
One revenue line is on record: home Warranty Plan Subscriptions.
Who are HMS National's main competitors?
Direct peers on record are Landmark Home Warranty, Choice Home Warranty, Old Republic Home Protection, Liberty Home Guard, America's Preferred Home Warranty, 2-10 Home Buyers Warranty (2-10 HBW) and First American Home Warranty. Broad incumbents are American Home Shield, Assurant (Home Solutions / Assurant Solutions) and Frontdoor (parent of American Home Shield).
Does HMS National have an API?
No public API is recorded for HMS National.
What industry is HMS National in?
HMS National's product category is Home Warranty Services. Its primary akta.pro industry code is FSAJALAG, Home Warranty / Residential Service Contracts (Systems & Appliances). Its NAICS code is 524 and its SIC code is 6331.