Best Home Warranty Companies in Hawaii

Purchasing a home can be one of the most exciting times of your life. Unfortunately, it can also be one of the most expensive. While most homeowners know that they need homeowners insurance to protect their home against threats like fires and burglaries, few homeowners fully understand just how much they might need to spend if one of their home systems or appliances breaks down from normal wear and tear.

A home warranty can provide you with a more affordable repair or replacement after a breakdown. But which company provides the best home warranty policy in Hawaii? Our crash course will help you make that decision.

Hawaii’s top 5 home warranty companies

Top home maintenance problems in Hawaii

The right home warranty company can give you the peace of mind that comes with knowing that major repairs are protected. But what types of breakdowns are the most common in the Aloha State? Let’s explore a few of them below.

• Termite damage: Termites tend to breed during calm, warm nights, which is what most Hawaii nights are like. Though most home warranties exclude coverage caused by pests, select companies allow you to add pest control services as an optional coverage.
• Air conditioning breakdowns: Hawaii residents enjoy balmy, 80-degree temperatures throughout the year. However, this humid climate can cause increased stress on your air conditioning system, as it exerts more energy to cool your home. A home warranty with systems coverage will typically extend to your AC units.
• Electrical system aging: Hawaii’s salt- and dust-filled breezes may cause your electrical system to corrode more quickly. A home warranty policy with electrical system coverage can help you combat this wear and tear with regular repairs. 

1. Choice Home Warranty

Choice Home Warranty can be an excellent provider for Hawaii homeowners living in older properties. Unlike some home warranty companies, Choice won’t deny you coverage based on the age of your home as long as your home’s systems and appliances are in working order. 

Choice Home Warranty currently offers two plan choices:

• Basic Plan: Choice Home Warranty’s Basic Plan covers 14 systems and appliances.
• Total Plan: The Total Plan includes all of the home systems and appliances found in the Basic Plan plus coverage for your air conditioning system, refrigerator, clothes washer, and clothes dryer.

View monthly pricing information from Choice below:

When you need to use your coverage, you’ll also pay an $85 service fee.

Claim your free quote from Choice Home Warranty by completing this online form or calling 929-400-6164.

2. Amazon Home Warranty

Amazon Home Warranty might be the right choice for you if you want to customize your coverage. Amazon offers one of the largest and most unique list of add-ons we’ve seen with optional coverage for everything from wine fridges to septic systems to lawn sprinkler systems.

Amazon Home Warranty has three policy options:

• Appliances Plan: The Appliances Plan covers eight of your home appliances.
• Systems Plan: The Systems Plan covers eight of your home systems.
• Combo Plan: The Combo Plan combines all 16 coverages in both the Appliances Plan and the Systems Plan. It also includes a few additional coverages.

View annual pricing information from Amazon Home Warranty below:

Amazon Home Warranty’s service fee is set at $75 per visit.

Claim your free quote from Amazon Home Warranty by completing this online form or calling 866-605-8194.

3. American Home Shield 

American Home Shield is one of the longest-standing names in the home warranty industry with almost 50 years of experience offering policies. The company is best known for its generous coverage caps, which makes it less likely that you’ll max out your policy.

American Home Shield offers three policy choices in Hawaii:

• Systems Plan: The Systems Plan covers 12 home systems.
• Appliances Plan: The Appliances Plan covers 10 home appliances.
• Combo Plan: The Combo Plan includes everything in the Appliances and Systems Plans at a lower monthly rate than you’d pay if you purchased both policies individually.

Take a look at the cost of American Home Shield:

When you sign onto your policy from American Home Shield, you’ll choose a $75, $100, or $125 service fee. 

Claim your free quote from American Home Shield by completing this online form or calling 888-365-2839. 

4. Select Home Warranty 

If you’re shopping on a budget, be sure to consider Select Home Warranty. All of Select Home Warranty’s plans are available for less than $40 a month, and they even come with free roof leak protection.

Select Home Warranty has three plans:

• Bronze Care: The Bronze Care plan includes coverage for eight of your home’s appliances.
• Gold Care: The Gold Care plan includes coverage for six home systems.
• Platinum Care: The Platinum Care covers every system and appliance found in both previously listed plans.

Take a look at Select Home Warranty’s prices below:

You’ll also pay a $75 service fee each time you use your plan.

Claim your free quote from Select Home Warranty by completing this online form or calling 888-370-3953.

5. Liberty Home Guard

Liberty Home Guard’s plans come with a 60-day workmanship guarantee. This prevents you from having to pay a second service fee if a system or appliance that was previously repaired breaks down again within 60 days.

Liberty Home Guard currently offers three policy options:

• Appliance Guard: The Appliance Guard plan covers nine of your home’s appliances.
• System Guard: The System Guard plan covers six of your home systems.
• Total Home Guard: The Total Home Guard Plan covers all of the systems and appliances found in both the Appliance Guard and System Guard plans.

View pricing information for Liberty Home Guard below:

You’ll also pay a $60 service fee each time you receive a repair or replacement.

Claim your free quote from Liberty Home Guard by completing this online form or calling 866-451-2281.

Hawaii home warranty buying guide

When buying a home warranty, you probably already know that comparing customer service, cost, and coverage are crucial. However, be sure to also compare the following lesser-known factors.

• Workmanship guarantee: A workmanship guarantee ensures that you won’t need to pay your service fee multiple times if you experience the same breakdown within a set period of time. For example, if a policy has a 30-day workmanship guarantee, that means that you won’t need to pay for the same repair within a 30-day window. Look for a home warranty with a longer workmanship guarantee to get the most out of your coverage.
• Types of home: Though every home warranty company will extend coverage to single-family units occupied by the owner, some companies limit coverage for duplexes, mobile homes, and other types of properties. If you need to protect one of the latter, be sure to look for a home warranty provider that offers this coverage.
• Policy transparency: Be wary of home warranty providers that don’t offer sample contracts, as this limits your access to information regarding what’s covered in each plan. 

Our conclusion

When it comes to choosing a home warranty policy, remember that the best company for your home might not be the best option for every homeowner in your state. The ideal set of coverages will vary depending on your budget, the systems and appliances you have, the age of your property, and more. To see what coverage will look like for you, we recommend getting a custom quote from each of our suggested providers.

Frequently asked questions about Hawaii home warranties

Do home warranty companies offer coverage in Hawaii?

Yes. Though some home warranty providers only cover states in the continental United States, there are still a fair number of companies that will cover your home in the Aloha State.

Is a home warranty part of closing costs?

No. Closing costs are the fees you pay at the close of a real estate transaction, like your appraisal fee, underwriting fee, and your credit check. Though some realtors and sellers choose to offer a home warranty policy as a closing gift when you purchase a home, they aren’t required to purchase you a policy to close the sale.

How do I file a claim with my home warranty company?

Your company will likely have both a customer portal on its website and a customer service phone number, giving you two ways to contact the company when a breakdown occurs.