Looking for the best home warranty companies in Hawaii?
Perfect you’re in the right spot. In this guide you’ll learn:
- What should you know about home warranties in Hawaii?
- The factors do you need to consider in researching a HI home warranty?
- What are the steps to take in choosing the best home warranty for you in Hawaii?
- And much more!
We’ve researched and reviewed 68+ home warranty companies and are revealing the top 7 picks for HI homeowners. Protection from costly repairs is just a step away in The Aloha State. Keep reading!
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
Finding information on all the home warranty options available to you in Hawaii can be a challenge. We’re here to help, with data collected from the warranty companies themselves, but also consumer advocates like the Better Business Bureau, Yelp, and more. Take a look at the questions we’ve asked and who comes out on top in these home warranty reviews when we weigh the options for good coverage in Hawaii.
Hawaii’s housing is unique. For instance, an air conditioner and heating system are optional, even rare in Hawaiian homes. Continue reading to find out everything you need to know to pick the perfect plan.
Top 5 Best Home Warranty Companies In Hawaii
|Hawaii Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Liberty Home Guard||From $39.99 to $59.99||$75 flat rate|
|Service Plus||From $45.33 to $52||$75 flat rate|
Who Needs A Home Warranty in Hawaii?
The best Hawaii home warranty companies offer plenty of options for different types of warranty purchasers, whether you live in bustling Honolulu or tiny Discovery Harbor (population 949) --your home can use some added protection beyond a homeowner’s insurance policy. So who should consider a home warranty in Hawaii, and why?
Seasoned homeowners often become weary of DIY-ing everything and find a comprehensive home warranty plan very beneficial, like the one offered by American Home Shield. A customizable plan is ideal for Hawaii, where so much is different from the mainland.
As a young, first-time homeowner in Hawaii, you might think you can figure out how to fix a plumbing issue by yourself. But with a home warranty company, you can leave the problem up to a specialized technician, leaving you more time out on the water.
Wherever you live, a home warranty is always a nice added value in a real estate transaction. But especially in Hawaii, where home prices are at a premium, a home warranty will give prospective buyers both added incentive and peace of mind as they consider one of the largest purchases they will make in their lives.
Top 5 Best Home Warranty Companies in Hawaii
For instance, maybe you have a fully functional but electrical system and don’t want to go to the expense of replacing it. Offering home warranty coverage will allow buyers to live in the home with protection from basic electrical malfunctions that might occur with an older system.
Homebuyers are looking for incentives to buy a particular property. Hawaiian homebuyers, especially if they are moving from an area with a lower cost of living, will be glad for the added protection of a home warranty that comes with the purchase of their new home.
If you are considering a move to Hawaii, here is an excellent video about what you can expect from the housing stock. One significant difference from the mainland—you may not have HVAC in your Hawaii home, so a home warranty plan where you can pick and choose coverage for the systems and appliances you actually will have here might be a great way to go.
Real Estate Agents
If it makes selling a home easier, realtors are all for it. Especially in higher price-point markets like Hawaii, a real estate agent could find it well worth the investment to purchase a home warranty on behalf of the home seller give that incentive to buyers.
Housing demand has been holding steady over the past several years and is expected to grow slightly—not gangbusters. So offering something like a home warranty to differentiate from other similar properties is a good sales strategy. When demand is flat, providing something of real value can make all the difference in making your client’s property stand out.
Renters and Landlords
For obvious reasons, Hawaii is a paradise for short-term rentals. Landlords love home warranties because they cover wear and tear and potential problems not covered by a standard tenant occupied homeowner’s insurance plan.
Say a garbage disposal stops working, or a cooktop or clothes dryer stops functioning at a rental property. You can go there yourself as the landlord, or for covered claims, you can have the home warranty company take care of it. For home warranty work, you can make the call and if you’ve chosen well, the service provider will take care of the problem with minimal hassle to you and the tenant.
Learn more about landlord and tenant rights and responsibilities with this Landlord/Tenant Handbook from the Hawaii Office of Consumer Protection.
What Should You Think About When Purchasing A Home Warranty in Hawaii?
Weather is a big consideration when looking at home warranty coverage. Being near the ocean wherever you are in Hawaii means high salinity, high rainfall, high humidity, and heat. You might not think of these things as having an impact on a home warranty, but with optional roof leak protection (for instance), you can beat the weather's impact on your home's systems.
On the other hand, with trade winds so consistent, air conditioning and heating is not a concern in most homes in Hawaii, so you won’t need coverage for those systems.
The islands are located about 1,500 miles north of the equator. The way they are situated means rainfall is heaviest on the western (windward) sides of the islands. There is a wide range of elevation, so there are more climate differences than mainlanders might imagine.
But in terms of your home warranty, If you are among most of the population of the islands, you are living on Oahu, or at lower elevations on the other islands, where temperatures remain as consistent as the arrival of tourists.
Well, obviously, you are out in the middle of the Pacific Ocean. This isn’t Alaska or northern Michigan! This and the other factors add up to high property values and more expensive replacement costs for systems and appliances, so a home warranty can be a good investment.
What Will A Home Warranty Cost A Resident Of Hawaii?
Home warranty providers in Hawaii will carry plans that range from the low $400’s to around $700 depending on the plan you choose.
What Types Of Plans Are Available For You In Hawaii?
There are basic plans and premium plans. These types can generally be divided into three categories: Appliance Plans, Systems Plans, and Combo Plans. Some home warranty companies, like American Home Shield, describe them exactly in that way. Others use “medal” categories like Bronze, Gold, and Platinum. All such plans are available to Hawaii home warranty shoppers.
Beyond the plan categories, also look for add-ons that cover things like pools and whirlpools, garage door openers, and other items you might not think of.
Best Home Warranty in Hawaii?
Choice Home Warranty is our recommended company for Hawaii. With Choice, you can have comprehensive coverage for your appliances and systems as a homeowners, buyers, sellers, and landlords.
Is A Home Warranty Worth It In Hawaii?
The simple answer is “yes.” With all that can go wrong in the simple wear and tear of living in a home, compounded by the weather and geographic conditions on the islands, a home warranty can be a very valuable tool for keeping the cost of homeownership manageable.
For everyday home appliances and systems like a dishwasher, or water heater, the right home warranty coverage can give a homeowner peace of mind, so you can sit back and enjoy the Aloha vibe and not worry about your home.
The Hawaii Department of Commerce and Consumer Affairs offers these suggestions when considering a service contract--which is exactly what a home warranty is.
Here are some things they invite you to consider when buying a service contract:
- Will the coverage extend beyond the period of the original warranty? Because if the service contract doesn’t, you really don’t need to buy it.
- Is the service contract transferable? This is very important if you are considering ever selling your [home] during the coverage period as you could get a better selling price.
- What specific parts and types of repairs are covered?
- Is there a deductible required and how much is it?
- Are there any specific maintenance or other actions required in order to maintain the coverage?
- Are you paying for more protection than you really need, especially if the product is unlikely to need servicing or if the expected costs of repairs is low?
How To Choose Coverage In Hawaii (Is It Unique)?
Step 1: Research
You’re doing it right now! Find out which companies serve Hawaii, and who is offering the specific package that you need.
Step 2: Choose the Optimal Plan
The right plan for you will cover the major appliances (like a clothes washer) in your home, and potential add-ons like a central vacuum, or your pool. Do you have a sump pump, exhaust fans, or a trash compactor? In an emergency, like a plumbing stoppage, you want to have the coverage you need, so make sure the systems and appliances you rely on most are covered. Make sure the service provider will be vetted and available when you need them.
Step 3: Take a Close Look at Your Stuff
Even for covered items, home warranty companies won’t cover pre-existing conditions. So if it’s broken now, it’s not going to get covered
Step 4: Read the Fine Print
Make sure you know exactly what the company covers and what they exempt from coverage. For instance, plumbing systems might be covered with no problem. But repairs from a service contractor on stoppages connected with your septic systems or a well pump might be covered as an add-on. but you shouldn’t expect a protection plan to cover replacement for such a costly item.
Top Home Warranties For Hawaii Reviewed
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem
Service Plus Review
Why Do We Like Service Plus?
Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
Final Thoughts On Home Warranties In Hawaii
You are living in paradise--you might as well have as little stress as possible when it comes to maintaining your home. With a good home warranty geared toward the unique needs of Hawaii residents, you can save money and take it easy on your blood pressure with a good home warranty.