Best Home Warranty Companies in Hawaii
Having a home warranty protects your home systems and appliances when they break down from normal wear and tear. Your provider also connects you with repair technicians, ensuring your home items are fixed quickly when an issue arises. We compared top home warranty companies on key factors such as cost, coverage, and customer reviews. We then narrowed down our selections for Hawaii homeowners.
Hawaii’s Top 3 Home Warranty Companies
The highest-rated home warranty companies in Hawaii include these:
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
- The Home Service Club: Quickest Service
Our team examined the leading home warranty providers in Hawaii and narrowed them down by looking at factors such as pricing, plans, reputation, customer service, and more.
Summary of the Best Home Warranty Companies in Hawaii
|Best For||Monthly Cost||Service Fee||Response Time||BBB Rating||Link|
|Liberty Home Guard||Best Customer Ratings||$49–$59||$65–$125||Up to 48 hours||A||VISIT SITE|
|Select Home Warranty||Best Value||$44–$47||$60–$75||48-84 hours||B-||VISIT SITE|
|The Home Service Club||Quickest Coverage||$50–$63||$65–$125||12-48 hours||C||VISIT SITE|
|Liberty Home Guard|
|Best For||Best Customer Ratings|
|Response Time||Up to 48 hours|
|Select Home Warranty|
|Best For||Best Value|
|Response Time||48-84 hours|
How Much Does a Home Warranty Cost in Hawaii?
Based on the pricing information we obtained for this article, the average cost of a Hawaii home warranty is $52 monthly or $624 annually. Home warranty pricing varies by company. Your home size and chosen coverage plan also affect pricing. For example, if your home is larger than 4,000 square feet, you’ll likely pay more for a coverage plan. Also, a more comprehensive plan covering major systems and appliances costs more than a basic plan covering just one category.
If you’re on a strict budget, the following are some ways to lower your monthly premium:
- Coverage: Review which items you need coverage for and purchase a plan that only covers what you need. If you just need appliance coverage, you’ll save money by purchasing an appliances-only plan rather than a more expensive combination plan.
- Discounts: Many providers offer policy discounts if you sign up over the phone or are a veteran. The most common discount is an annual premium discount.
- Service call fees: Some companies provide flexible service call fees that raise or lower your plan cost. Choose the higher service call fee if you want a lower monthly premium.
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
|Appliance||Average Repair Cost||Average Replacement Cost|
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
Liberty Home Guard
Liberty Home Guard (LHG) is our top provider for Hawaii homeowners who wish to have customizable home systems and appliance coverage. LHG offers more than 30 unique add-ons, such as limited roof coverage and a 60-day workmanship guarantee for all completed repairs. LHG also covers two air conditioning units, whereas most providers cover one per service contract.
Pros and Cons
Check out our list of pros and cons for Liberty Home Guard coverage:
✔ Guarantees workmanship on repairs for 60 days
✔ Provides coverage for two air conditioning units
✔ Includes a $2,000 coverage cap per covered item
✘ Lacks transparency in the quote process regarding its service call fee
✘ Requires claims to be filed as soon as discovered
Plans and Pricing
Liberty Home Guard offers three coverage plans: the Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard covers home appliances. The Systems Guard covers home systems, and the Total Home Guard includes both systems and appliance coverage. We’ve outlined Liberty Home Guard’s home warranty plan coverage below:
- Appliance Guard: The Appliance Guard protects nine major appliances, such as clothes washers, clothes dryers, refrigerators with ice and water dispensers, built-in microwave ovens, dishwashers, garbage disposals, ranges/ovens/cooktops, ceiling and exhaust fans, and garage door openers.
- Systems Guard: The Systems Guard protects six major systems, such as air conditioning, heating, ductwork, electrical and plumbing systems, and water heaters
- Total Home Guard protects everything listed in the Appliance Guard and System Guard.
Liberty Home Guard also provides the following add-on coverage options:
Additional spa, carpet cleaning, casita guest unit, central vacuum, ejector pump, electronics protection, freestanding ice maker, generator, grinder pump, gutter cleaning, in-fridge ice maker, instant hot water dispenser, lawn sprinkler system, lighting fixtures, limited roof-leak, pest control, plumbing fixtures, pool and spa, pro-series clothes dryer, pro-series dishwasher, pro-series microwave, pro-series range/oven/cooktop, pro-series refrigerator, pro-series washing machines, rekey services, reverse osmosis water filter system, saltwater pool, second refrigerator, septic system pumping, stand-alone freezer, sump pump, swamp cooler, trash compactor, water dispenser water line, water softener, well pump, window washing/cleaning, wine cooler, and fridge.
Expect to pay between $49 and $60 per month. Your service call fee will fall between $65 and $125. A Liberty Home Guard representative explained to us that the fee is assigned based on your home’s size, type, and location, as well as the plan and add-on options you select.
Learn more: Liberty Home Guard Review
Select Home Warranty
Select Home Warranty offers three plans that are all more affordable than similar plans offered by American Home Shield. Select also includes roof-leak repair coverage in every plan, and the provider offers generous cooling and heating systems coverage alongside a low $75 service call fee.
Pros and Cons
✔ Includes roof-leak coverage
✔ Offers discounts on purchases for several years of protection
✔ Has awards from Consumers Advocate, Consumer Affairs, and more
✘ Doesn’t cover fixtures
✘ Limits coverage caps for appliances and add-on options
Plans and Pricing
Select Home Warranty has three plans: Gold Care, Bronze Care, and Platinum Care. Bronze is best for appliances, Gold is best for major systems, and Platinum is best for comprehensive coverage.We outlined Select Home Warranty’s coverage options in each plan below:
- Bronze Care: The Bronze Care covers eight major appliances, such as cooktops, dishwashers, garbage disposals, built-in microwaves, refrigerators, stove/ovens, clothes washers and clothes dryers.
- Gold Care: The Gold Care covers six home systems, including air conditioning, ductwork, plumbing, heating, and electrical systems and water heaters.
- Platinum Care: The Platinum Care bundles home systems and appliance coverage into one comprehensive plan.
You can also purchase additional coverage for these items: Second refrigerator, stand-alone freezer, central vacuum, refrigerator ice maker, septic system, lawn sprinkler system, well pump, sump pump, pool/spa equipment, plumbing fixtures, lighting fixtures, switches, outlets
If one of your covered items breaks down, you’ll pay a service fee of $75 when a service contractor visits your home and repairs or replaces the item. Customers generally will pay between $44 and $48 per month for a Select Home Warranty plan.
Select Home Warranty’s quote form or call
888-370-3956 for your custom quote.
Learn more: Select Home Warranty Review
The Home Service Club
The Home Service Club (HSC) is another reputable provider for Hawaii residents due to its easy access to customer service reps and the ability to file a claim 10 days after purchasing coverage. HSC provides a generous workmanship guarantee for all completed repairs, and it offers coverage for unique items such as gas leaks, pest control, and more.
Pros and Cons
Review key pros and cons regarding The Home Service Club’s coverage options:
✔ Guarantees parts for 90 days and labor for 30 days
✔ Grants easy access to customer service reps
✔ Offers coverage within its base plan for unique items such as food centers
✘ Charges higher service call fee than others on this list
✘ Includes a high transfer fee when moving service contracts from one home to another
Plans and Pricing
The Home Service Club provides two coverage plans: the Standard Plan and the Comprehensive Plan. The Standard Plan covers a mix of home systems and appliances, such as trash compactors, central vacuum systems, and more. The Comprehensive Plan covers everything the Standard Plan covers, plus additional systems and appliances, including smoke detectors and telephone wiring. Below is the full list of coverage options HSC offers in its plans:
- Standard: The Standard Plan covers air conditioning, ceiling fans, central vacuum, dishwashers, clothes dryers and washers, electrical systems, food centers, garage door openers, garbage disposals, trash compactors, heating systems, refrigerator ice makers, microwaves, oven/stove/cooktops, plumbing systems, refrigerators, and water heaters.
- Comprehensive: The Comprehensive Plan covers all items listed in the Standard Plan plus alarm wiring, doorbells, ductwork, gas leaks, hot water pumps, pest controls, plumbing stoppages, smoke detectors, sump pumps, telephone wirings, hot water dispensers, water leaks, and whirlpool tub motors.
The Home Service Club coverage add-ons include these items:
Additional dishwashers, freezers, microwaves, ovens, ranges, cooktops, freestanding freezers, jetted bathtubs, plumbing sprinklers, pool and spa equipment, refrigerators, dual refrigerator compressors, roof-leak coverage, service lines, sewage ejector pumps, spa and spa heaters, water heaters, water softeners, and well pumps.
Depending which home warranty coverage you select, expect to pay between $51 and $63 per month with The Home Service Club’s $95 service call fee. From our secret shopping, our team discovered plan purchases made over the phone may qualify for a $75 service call fee with the same monthly rates.
To learn more: The Home Service Club Review
How Are Home Warranties Regulated in Hawaii?
Our research shows that Hawaii’s Department of Commerce and Consumer Affairs (DCCA) oversees home warranty regulation. The DCCA has an Insurance Division that enforces regulatory jurisdiction on home warranty companies. It established Statutes §§ 481X-1–481X-12 to evaluate companies and keep them in check.
Home warranty companies also self-regulate via industry associations. For instance, the Service Contract Industry Council (SCIC) is a national trade association that helps lawmakers develop fair regulations. These regulations protect consumers from unethical business practices companies may have.
How Does a Home Warranty Work?
Home warranties are service contracts that homeowners can purchase to cover the high repair and replacement costs of home appliances and systems. For a monthly (or annual) fee, home warranty providers send vetted service providers directly to your home to fix your broken home items. You will also owe a service call fee for each filed claim before the service technician performs any work.
What Is a Service Call Fee?
A service call fee is a fee separate from your monthly premium that home warranty companies charge when you file a new claim. Companies charge service call fees to source and send service technicians to your home. Each service call fee is usually associated with one claim at a time. Typical service call fees range from $60 to $150. If you have an outstanding service call fee balance and wish to file a claim, your provider will only send a technician after you pay your balance.
What To Expect When Filing a Claim
Once you file a claim, your home warranty provider will review it within 24 to 48 hours. If you file a claim during non-business hours, expect processing delays. Once your provider reviews your claim, it’ll contact you to discuss the outcome of its review and the next steps to take.
How To Read Service Contracts
Many homeowners have difficulty understanding the details of their home warranty service contracts. Knowing your provider’s coverage limitations and exclusions will help limit unwelcome surprises when you submit a claim. Below are a few pointers on reading and understanding the fine print of a home warranty service contract.
- Find what’s covered: Look through the fine print to see if your provider includes all the home items you’d like to cover. Although most providers cover common systems and appliances, confirm that your provider covers what you need.
- Understand exclusions: Your provider will have certain instances or components that it won’t cover, even on a covered item. For example, while your air conditioner might be a covered item, the filters likely won’t be. Similarly, your provider may exclude preexisting conditions from coverage.
- Ask questions: If you don’t understand the coverage exclusions in the service contract, call the provider and ask a representative to clarify those sections for you.
Who Is Eligible for a Home Warranty in Hawaii?
You can buy a home warranty if you’re a real estate agent, first-time homebuyer, home seller, or seasoned homeowner. As a real estate agent or home seller, including a warranty in the sale can be an extra incentive for potential buyers to buy the home. Whether you’re moving to Hawaii for the first time or a longtime homeowner in the Aloha State, a warranty will limit how much you’ll pay out of pocket for a repair or replacement on an important system or appliance.
Expert Takes on Home Warranties
We sourced experts across various industries and asked them questions homeowners have about home warranties. Here is what they had to say:
- Are Hawaii home warranties worth it for older homes? According to Dave Bringer, owner of Bringer Appliance Repair, “Older homes need home warranties because their appliances and systems have most likely used their manufacturer’s warranty coverage.”
- How quickly does a home warranty send a service provider? Ryan Hawker, co-founder of H3 Homebuyers, says, “Once the claim is approved, the company will arrange for a pre-approved service provider to come to your home within 48 hours to assess the problem.”
- Why should I consider a home warranty? Marcus Fernandez, attorney and co-owner of Kinney, Fernandez, and Boire Law, recommends pairing a home warranty with your homeowners insurance plan for complete home protection. “They go beyond what your homeowners insurance covers by catering to the inevitable wear and tear of home systems and appliances, which typically isn’t covered by insurance,” he says.
The This Old House Reviews Team recommends Liberty Home Guard and Select Home Warranty for Hawaii homeowners looking to protect their budget from appliance and system breakdowns. Before purchasing a home protection plan, we recommend getting a quote from each provider to see what coverage, exclusions, pricing, and benefits each one can offer you and your home.
Other Resources for Residents in Hawaii
Frequently Asked Questions
Who is eligible for a home warranty in Hawaii?
If you’re a real estate agent, first-time home buyer, home seller, or seasoned homeowner you can buy a home warranty. As a real estate agent or home seller, including a warranty in the sale can act as an extra incentive for potential buyers to buy the home. Whether you’re moving to Hawaii for the first time or you’re a longtime homeowner in the Aloha State, a warranty will protect you from having to pay out of pocket for a repair or replacement on an important system or appliance.
Which home warranty company provides the best coverage in Hawaii?
What is the difference between homeowners insurance and home warranty?
Home insurance offers protection for damage or loss of personal property due to emergencies, such as fires or theft. A home warranty covers the cost of repairs and replacements to appliances and systems that break down due to normal wear and tear.
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at firstname.lastname@example.org.