Best Home Warranty Companies in Hawaii (2023)

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.

Hawaii’s Best Home Warranty Companies in 2023

• Choice Home Warranty: Best Overall
• Select Home Warranty: Most Cost-Effective
• American Home Shield: Best Customizable Plans
• The Home Service Club: Fastest Service
• Liberty Home Guard: Most Trustworthy

Choice Home Warranty

• Our Take: Best Overall
• Average Annual Cost: $504-$639.96
• Response Time: Up to 48 hours

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.

Plans and Pricing

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: 

• Basic Plan ($42/month): The Basic Plan from Choice Home Warranty is one of the few basic plans in the industry that includes both appliances and home systems. It covers your electrical, plumbing, and heating system, including hot water heaters, HVAC ductwork, and toilets. It also covers ovens, cooktop exhaust fans, dishwashers, microwaves, and garbage disposals. It also includes coverage for garage door openers.
• Total Plan ($53.33/month): The Total Plan is more comprehensive in its coverage, but it also includes both appliances and home systems. This plan will provide protection for everything in the Basic Plan, plus air conditioners — which is crucial in Hawaii — refrigerators, washers, and dryers. This plan is only slightly more expensive than the basic option and includes more of the coverage that’s needed in Hawaii.

Coverage

The add-on products for additional coverage are rather limited with Choice Home Warranty, but you opt into added protection for:

• Central vacuum
• Limited roof leak
• Septic system
• Septic tank pumping
• Sump pump
• Well pump
• Pool/Spa
• Second refrigerator
• Stand-alone freezer

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.

Select Home Warranty

• Our Take: Most Cost-Effective
• Average Annual Cost: $624-$684
• Response Time: Up to 48 hours

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.

Plans and Pricing

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: 

• Bronze Plan ($52/month): The Bronze Plan is great for homeowners who only want coverage for their appliances, as it excludes all home systems. It provides protection for refrigerators, ranges, ovens, microwaves, washers, dryers, and garbage disposals. It’s more costly than some other basic appliance plans but provides more value by including all major appliances and maintaining low service call fees.
• Gold Plan ($52/month): The Gold Plan is another basic option from Select Home Warranty, but it covers home systems rather than appliances. You’ll get a warranty for electrical, heating, plumbing, and air conditioning systems, which includes water heaters and HVAC ductwork.
• Platinum Plan ($57/month): The Platinum Plan combines the Bronze and Gold Plan coverages for more comprehensive protection. This plan covers everything in the other two plan options, plus ceiling fans, plumbing blockages, and garage door openers. At just $5 more per month than the other plans, this is a great deal.

Coverage

Select Home Warranty also provides some add-on options for other things you might want to be covered, including:

• Pool
• Spa
• Septic system

• Well pump
• Sump pump
• Lawn sprinkler system
• Roof leaks
• Central vacuum
• Stand-alone freezer

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

• Our Take: Best Customizable Plans
• Average Annual Cost: $419.88-$779.88
• Response Time: Up to 48 hours

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. 

Plans and Pricing

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: 

• ShieldSilver ($39.99/month): The ShieldSilver plan from AHS is the systems-only option. It covers plumbing, heating, and electrical components, including air conditioners, HVAC ductwork, water heaters, and more. It includes additional coverage for minor systems, like smoke alarms and garage door openers.
• ShieldGold ($49.99/month): The ShieldGold plan is also a basic plan option, but it covers appliances instead of home systems. This plan provides protection for refrigerators, dishwashers, ovens, cooktops, washers, and dryers. Minor appliances covered include microwaves, garbage disposals, and instant hot and cold water dispensers.
• ShieldPlatinum ($64.99/month): For those who want the most comprehensive protection, the ShieldPlatinum plan is likely the best. It covers all appliances and home systems that are included in the other two plans, but it adds on unlimited refrigerant refills for your AC — which is particularly helpful in Hawaii — an annual tune-up for your air conditioner, roof leak coverage, and more. This plan has higher coverage caps than the other options as well, making it a better value.

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:

• Electronic extended warranty
• Pool and spas
• Well pump
• Septic pump
• Guest unit
• PC and TV

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

• Our Take: Fastest Service
• Average Annual Cost: $600-$756
• Response Time: Within 24 hours

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.

Plans and Pricing

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:

• Standard Coverage Plan ($50/month): The Standard Plan covers 18 different home systems and appliances. These include heating, electrical, and plumbing systems, plumbing leaks, water heaters, ceiling fans, and central vacuum systems. It also covers appliances like refrigerators, ranges, ovens, dishwashers, microwaves, washing machines, dryers, and more.
• Comprehensive Coverage Plan ($63/month): As you might have guessed, the Comprehensive Plan is more comprehensive, as it provides coverage for everything in the Standard plan and more. For an additional $13 per month, this plan adds on pest control, garbage disposals, plumbing stoppages, gas leaks, sump pumps, ceiling fans, alarm wiring, and much more. Most homeowners in Hawaii find this to be a better option for the money.

Coverage

The Home Service Club also provides the opportunity to customize your coverage plan using add-on services. The add-ons from HSC include:

• Utility line coverage package (includes outside water, gas, and electric lines, sewer lines, sprinkler system, and more)
• Pools and spas
• Pool and spa equipment
• Spa heater
• Sprinkler systems
• Water softeners
• Well pump
• Built-in refrigerators
• Stand-alone freezers
• Jetted bathtubs
• Roof damage
• And more

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

• Our Take: Most Trustworthy
• Average Annual Cost: $779.88-$899.88
• Response Time: Within 24 hours

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. 

Plans and Pricing

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: 

• Appliance Guard ($64.99/month): As you might have guessed, the Appliance Guard plan covers appliances only and excludes home systems. With this plan, you’ll get protection for your fridge, oven, dishwasher, cooktop exhaust fans, microwaves, ice maker, garbage disposal, washers, dryers, ceiling fans, and garage door openers. This plan is more expensive than most other appliance-only options, but it covers most major appliances.
• Systems Guard ($69.99/month): The Systems Guard plan is the other basic option, but this one excludes appliances and just covers home systems. It provides protection for heating, plumbing, electrical, and air conditioning systems. This also includes coverage for components like HVAC ductwork, water heaters, bathroom exhaust fans, and toilets.
• Total Home Guard ($74.99/month): The Total Home Guard plan includes the most coverage and provides the best value from Liberty Home Guard. It’s $5 to $10 more expensive than the other options, and it includes everything in the other plans for total protection.

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:

• Pool and spa (no jet or liner coverage)
• Additional spa
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system
• Electronics protection (TVs and computers are separate)
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak coverage
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser (instant hot or cold)

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.

Home Warranties in Hawaii Cities

How Much Does a Home Warranty in Hawaii Cost? 

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

Compare the Best Home Warranty Companies in Hawaii

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

Final Thoughts

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. 

How to Choose the Best Home Warranty in Hawaii

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. 

• Coverage Caps: Each appliance or system in your home warranty coverage will have a coverage cap or policy limit. For some plans, this will be around $500, and for others, it will be $3000. If you have a higher coverage cap, it could help with replacement costs as well. 
• Cancellation Fees: Most home warranties have a cancellation fee associated with the plan. Typically $75 is the early cancellation fee, but this is a good thing to look into before you sign up for the plan.
• BBB Rating: The BBB rating indicates how the home warranty company is doing when it comes to customer service and reliability. It is good to check into the BBB ratings but don’t take these as the only way to choose a plan.

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.

What is a Home Warranty?

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 Warranty vs. Homeowners Insurance

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.

How Does a Home Warranty in Hawaii Work?

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:

• Find an issue with an appliance or home system that is covered by your home warranty
• File a claim to request service, which involves filling out a claim form on your provider’s website or app or calling the service line
• Your home warranty company hires a service provider based on your claim
• You wait for the technician to come to your home to fix the problem
• You pay a service fee, which usually is around $85, rather than the entire cost of the repair or replacement.

What does a Home Warranty Cover?

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.

What is Not Covered by a Home Warranty?

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.

Biggest Complaints about Home Warranty Companies in Hawaii

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.

Are home warranties worth it?

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.

House Method Home Warranty Ranking Methodology

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:

• Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
• Prices: How reasonable are the monthly and service fees compared to the industry average? We compared the costs of each company to competitors.
• Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
• Customer service: How is the customer experience when calling the providers? Based on our phone calls, we judged each company’s customer service.
• Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
• Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
• Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that set them apart from the competition.

See the best home warranty companies in your state

Additional Hawaii Home Warranty Resources