My son needed renters insurance. Neither of us knew much about it and didn’t know where to go for this. We see SO MANY ads on TV but they often seem confusing in their presentation. So we decided to explore HMS. My husband and I have had homeowners insurance through HMS for decades. Our representative explained the renters insurance to us very well. She was very patient and reassured us on several questions we had. Everything was handled online, which was new to us. What a GREAT JOB!