By Dan Simms
Updated Jan 10, 2023
By Dan Simms
Updated Jan 10, 2023
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For most Hawaii homeowners, living in this tropical paradise is a dream come true. With access to amazing beaches, scenic views, and great communities, Hawaii is a fantastic place to own a home. However, just like homeownership in other states, there is some stress involved in being a homeowner. When systems and appliances start to break down, it can get expensive and time-consuming.
Home warranties are helpful for saving money in any state, but they tend to be more valuable in Hawaii than in many other areas. For most of the year, Hawaiians experience temperatures above 70 degrees, including in the winter. The sustained heat means air conditioners and refrigerators will need to work constantly, which puts them at risk of breakdown. We consider these types of coverage and more local factors when ranking the best home warranty companies in Hawaii.
Why Trust House Method
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty is the best overall home warranty in the state of Hawaii. Choice Home Warranty has one of the most simple and straightforward contracts in the industry. Choice Home Warranty is a great place to start if you like to keep things simple and know exactly what is covered under your plan. With more than 13 years in the industry, Choice Home Warranty has built a great network of service professionals. The Choice Home Warranty is fairly priced and has very high policy limits or caps. Overall it’s hard for other companies to compete with the all-around great package that Choice Home Warranty brings to the table.
Pros
Cons
There are only two plans offered by the Choice Home Warranty company. However, the unique thing about these plans is that they are both combo or comprehensive plans. This means that you will get a mix of appliance and system coverage as part of the home warranty plan. In addition, Choice is great about offering add-on coverage for things like a pool or a spa. This helps to ensure that your Hawaii home has all the coverage that you need it to have. The coverage caps are excellent from this company, and the service fee is just $85 per claim.
Here’s a detailed look at Choice Home Warranty’s coverage:
The add-on products for additional coverage are rather limited with Choice Home Warranty, but you opt into added protection for:
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
For more information, read our Choice Home Warranty Review.
The Select Home Warranty is the most cost-effective home warranty plan for Hawaii residents. Homeownership can be expensive, and if your budget does not have much room to spare, it’s a smart idea to consider the overall costs of the plan you invest in. Select Home Warranty offers tremendous value with its home warranty plans. You will be amazed at home much coverage you get for the price offered. With nearly ten years in the home warranty industry, Select Home Warranty has made a name for itself. They are very strict and restrictive about who they choose to come to your home and make a repair. The workmanship from Select Home Warranty stands out as some of the best in the industry.
Pros
Cons
The Select Home Warranty has a very traditional plan system in place. There are three plans to choose from; one is an appliance plan, one a systems plan, and one a comprehensive plan. The fact that the comprehensive plan is just a few dollars more per month is one of the reasons that many Hawaii homeowners choose this plan. Select Home Warranty gives all Hawaii policyholders free roof leak coverage with the purchase of their plan; however, there is plenty of other add-on options you can attach as well. The annual fee averages around $650, making it one of the more affordable options, and the service fee is well below average at just $60.
Here’s a detailed look at Select Home Warranty’s coverage:
Select Home Warranty also provides some add-on options for other things you might want to be covered, including:
Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.
Read our Select Home Warranty review to learn more.
American Home Shield is the most customizable plan in Hawaii. Hawaii homes are often quite different in design, style, and overall building. Therefore, it makes sense to have a plan that is customizable to work for your individual home. With the American Home Shield plan, you can build out your coverage to be very specific. With more than 50 years in the industry, American Home Shield certainly knows what they are doing. The AHS coverage is considered to be some of the most premium on the market.
Pros
Cons
American Home Shield offers three home warranty plans for Hawaii customers. The two combo or comprehensive coverage plans tend to be the most popular. Each of these plans offers both system and appliance coverage. American Home Shield is known for having very comprehensive coverage. However, if there is something missing from the policy, the add-on coverage choices will allow you to protect your home further. AHS offers high coverage caps that can be unlimited in some cases, and you can choose the service fee you want between $75 and $150.
Here’s a detailed look at American Home Shield’s coverage:
In addition to the unique coverage options included in the plans mentioned above, American Home Shield also offers add-on coverage for the below items:
To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.
To read more, visit our American Home Shield review.
The Home Service Club has been in the home warranty industry for over a decade, and it has grown significantly since it was founded in 2008. The company offers some of the widest coverage options available via its pre-set plans and add-on coverages, and the protection kicks in in just ten days. The Home Service Club provides great customer service and has plenty of positive reviews to back up its commitment to service, although it is not accredited with the Better Business Bureau yet.
Pros
Cons
The Home Service Club has two plans available: the Standard Coverage plan and the Comprehensive Coverage plan. The Standard option is one of the few basic plans in the industry that includes appliance and home system coverage. Both plans provide tons of protection, and the add-on products available offer some customization options. The coverage caps can be as low as $500 for some items or as high as $2,500 for others. The service fee is customizable between $65 and $125 for some flexibility.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club also provides the opportunity to customize your coverage plan using add-on services. The add-ons from HSC include:
Ready to get a free quote from The Home Service Club? Just fill out the company’s contact form or call HSC at 800-842-9334.
For more information on this company and its plans, you can check out our complete The Home Service Club review.
Liberty Home Guard is the most trustworthy home warranty in the state of Hawaii. The interesting thing about the LIberty Home Guard company is that they have only been on the market for two years. Even after just two years in the industry, they have managed to earn and maintain an A rating from the BBB. This is almost unheard of in the home warranty industry, and LHG should get some credit for it. In addition to their impressive customer service and reputation, the Liberty Home Guard policy gives homeowners a wide range of remarkable coverages to choose from.
Pros
Cons
There are three Liberty Home Guard plans. The appliance plan, systems plan, and combo plan are the three basic options. You can choose one of these that fits your budget and then customize the plan with the add-on coverages. Liberty Home Guard has one of the most extensive add-on coverage lists in the home warranty industry. LHG averages around $840 annually, making it one of the more expensive options. Its service fee is $75 per claim.
Here’s a detailed look at Liberty Home Guard’s coverage:
LHG provides some of the most add-on coverage options in the industry. If the plans above don’t meet your needs, you can supplement them with the below options:
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
To learn more information, visit our Liberty Home Guard review.
The average home warranty cost in Hawaii will range in price from around $40 a month to more than $70 per month. The difference in cost typically has to do with plan choices and add-on coverage. The more comprehensive your policy is, the more it is going to cost you. Add-on coverage can bump up your annual costs as well. The average service fee is around $85 per claim, although this is typically your only out-of-pocket cost.
Overall | $736.76 |
Single Family | $643.51 |
Multi Family | $1,032.03 |
Townhome | $612.33 |
Condo | $612.33 |
Duplex | $886.03 |
Home Over 5,000 sq ft | $1,232.50 |
Home Under 5,000 sq ft | $661.13 |
Home Warranty Company | Choice Home Warranty | Select Home Warranty | American Home Shield | The Home Service Club | Liberty Home Guard |
Our Rating | 9.7 | 9.5 | 9.6 | 9.4 | 9.3 |
Best For | Best Overall | Most Cost-Effective Plans | Best Customization Options | Fastest Service | Most Trustworthy |
Average Cost | $50 per month | $60 per month | $45 per month | $56 per month | $70 per month |
Service Fee | $85 | $75 | $75-$125 | $75 | $60 |
Annual Limit | $3,000 | $2,000 | $3,000 to unlimited | $350-$2,000 | $2,000-$2,500 |
Average Response Time | Up to 48 hours | Up to 48 hours | Up to 48 hours | Within 24 hours | Within 24 hours |
State Availability | 49 States | 46 States | 49 States | 50 States | 48 States |
Online Chat / Mobile App | No | No | No | No | Online Chat |
Quote | Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
Hopefully, you now feel as though you have the information you need to narrow your home warranty purchasing decision down to just a few companies. Choice Home Warranty stands out as the best overall choice for a home warranty policy. With more than 13 years in the industry and reasonably priced home warranty policies, the Choice Home Warranty plan is a company that stands out as being one of the best on the market. However, the other four choices on our list are still worth getting a quote from. Understanding how the pricing will differ for your home is a significant factor in this decision.
These top five home warranty plan options in Hawaii are quite strong. It doesn’t matter if you have a new or old home; you can take advantage of this impressive coverage. The hard part now becomes narrowing down which one is specifically best for your needs. Three things to look for in the overall plan are coverage caps or limits, cancellation fees, and the BBB rating.
The above criteria are crucial to consider no matter where you live, and there are some additional things to think about when choosing a home warranty in Hawaii, specifically.
First, most Hawaiians want coverage for their air conditioning systems, as cooling equipment is under constant stress from the high year-round temperatures in the area. Condensers and blower motors are more likely to break down and fail when they’re overworked, so a warranty that covers these items can be particularly valuable.
Another thing you might specifically want to look for coverage for is your refrigerator. Just like with your AC system, your fridge will battle the high temperatures and high summer humidity and will be more prone to breaking down and needing service. A home warranty that covers refrigerators is often well worth the investment, given that repair and replacement costs can reach into the thousands.
A home warranty is a home protection plan that works somewhat similarly to homeowners insurance. You pay for the plan annually and can then request home services for repair or appliance replacement directly from your home warranty provider. The provider will send a service technician to your home and charge you a flat rate for the work completed, which is often lower than what you’d normally pay for the service.
Most home warranties require a service fee to be paid for each claim made, which averages around $85. Home warranties also have coverage caps or limitations on the payouts for individually covered items. If your required repair exceeds the coverage cap, you’ll have to pay the difference out of pocket.
Home warranties and homeowners insurance policies are similar in that they provide coverage for certain damages in your home. However, there are several differences that set these protection plans apart.
First, homeowners insurance normally covers your entire house in the event of major damage. It costs more to maintain homeowners insurance because it covers everything in your home in the event of a catastrophe, like fires, floods, fallen trees, and storm damage. On the other side of things, home warranties provide protection for specific items or systems in your home, and you can submit separate claims for each of them.
Second, the trigger for your home insurance and a home warranty kicking in is wildly different. Homeowners insurance usually only provides coverage in the case of catastrophes, as mentioned above. Home warranties will instead kick in when an appliance or home system goes down from normal wear or old age. A home warranty is less of an “insurance policy” and more of a prepaid protection plan.
Finally, homeowners insurance and home warranties differ in the out-of-pocket costs charged to you as the homeowner. A deductible for homeowners insurance is typically several thousand dollars. Rather than a deductible, a home warranty will require you to pay a service call fee, which is a much smaller $85 charge, on average, to get service.
Securing a home warranty is a relatively straightforward process. You just need to choose the best home warranty provider for your needs, select the plan that covers what you want to be covered and suits your budget, pay for the plan, and wait for coverage to kick in. In most cases, your coverage will begin within 10 to 90 days.
Once you have coverage, the process for getting an issue in your home fixed is as follows:
All home warranty companies and plans cover different items and damages, so it’s impossible to say with certainty what your service contract will include. Most home warranty plans cover systems, appliances, or a combination of the two.
If you have a plan that covers major home appliances, chances are you’ll have protection for your refrigerator, oven, dishwasher, microwave, garbage disposal, clothes dryer, washer, and more. If you have a plan that covers systems, some common items include plumbing, heating, cooling, and electrical systems. Some also include minor systems, like smoke alarms, garage door openers, and more.
In addition to the above coverages, most home warranty providers also have add-on options for coverage. Some common add-on products include pools, spas, sprinkler systems, second refrigerators, and more.
Again, every company and every plan is different, so there’s no definitive way to say what your plan will and won’t cover. However, most home warranties exclude pre-existing problems with your home, cosmetic repairs, damages caused intentionally, and damages that result from a lack of maintenance. You should always read your service contract carefully for exclusions so that you’re not caught off guard with out-of-pocket costs that are higher than expected.
The majority of homeowners who purchase home warranties in Hawaii are pleased with the coverage and service they receive, but there are some complaints that show up more often in customer reviews.
One of the most common issues we see in Hawaii is customers complaining that items they believe should be covered are denied coverage. One reason this happens is that customers aren’t always aware of coverage limitations. Most home warranties come with coverage caps, and some have exclusions, even for covered items. This problem most often arises with air conditioning in Hawaii, where damage from a lack of proper maintenance is often denied. You should always read your service contract completely before signing anything.
On the other hand, some home warranty companies deny coverage against their service contracts as a means to save money. Unfortunately, this can happen with less reputable home warranty providers. It’s important to choose a reliable company for your home warranty needs to avoid this and similar issues.
Homeowners in Hawaii have so many great things that they can take advantage of in their local area. Staying at home and dealing with the frustration of broken systems and appliances can make homeownership in Hawaii lose all of its appeal. It only takes one or two system or appliance repairs to justify the costs for your entire home warranty plan for the year.
When you consider what your protection plan will cost and what it could save you, the value becomes evident. The average home warranty cost in Hawaii is around $680, and the service charge per claim averages around $85.
Now consider the common charges associated with home repair. A call to a plumber will cost over $300, on average. A call to an electrician or HVAC specialist will cost only slightly less. Fridge repair alone averages around $300 as well, and a total replacement can cost thousands. You’ll likely pay under $1,000 for your home warranty if you need several service calls, but you stand to save far more than that over the year, provided you need service two or more times.
Home warranties are also considered worth the cost by many homeowners because they provide peace of mind. It’s challenging to budget and save according to plan when you have hundreds or thousands of dollars to pay in unexpected home repairs. A home warranty lets you calculate your expenses much more accurately, and it saves you from high out-of-pocket costs in most cases.
The best home warranty in Hawaii is the Choice Home Warranty. Choice Home Warranty has impressive time spent in the industry, excellent customer service, and affordable plans. Whether your home is five years old or 55, Choice Home Warranty will still offer reliable home warranty coverage.
The service fee is the price you pay each time you need a repair on your Hawaii home. Service fees range in price from $60 to $150. Sometimes a company will give you the ability to customize your service fee and get the pricing of your plan down a bit.
A home warranty isn’t a requirement for homeownership, but many Hawaii residents will never live without one once they’ve seen how beneficial it can be. Home warranties provide protection for appliances and home systems that can easily be damaged, breakdown, or fail. They provide financial assistance to cover you in case of a necessary repair or replacement, which can save you hundreds or even thousands of dollars for each service call you make. Best of all, your out-of-pocket costs will average around just $85 for each service call you need.
Home warranties are particularly helpful for home buyers and sellers. Buying and selling real estate is made much more manageable when you know you won’t have unexpected costs before or after closing. Home warranties are also particularly helpful for older homes, where appliances and systems are more likely to break down and run into issues.
Home warranties with HVAC coverage are highly sought-after in Hawaii, especially because many residents use their air conditioners year-round and put immense pressure on them to perform. Home warranties either cover appliances or systems, and the more comprehensive options cover both. Provided you get a plan that covers home systems, your HVAC equipment will very likely be covered. However, it’s still important to check your service contract to ensure your system is covered before signing anything.
At House Method, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home.
Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
Additional Hawaii Home Warranty Resources
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