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!
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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|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|Amazon Home Warranty||From $42 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 7 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
#1 Pick Choice Home Warranty
Choice Home Warranty is a top pick for service, quality, emergency services and the sheer number of contractors who serve Choice customers. Living in Hawaii means that you might have unique items that you want to have protected, like a pool or septic system coverage, which is where Choice really stands out.
They currently lack a customizable plan, which would be helpful in Hawaii, but their add-on options and limits make up for it. Regarding swimming pools and septic systems, Choice will pay up to $500 per contract term for access, diagnosis and repair and/or replacement.
- Won’t deny coverage for older appliances
- Free cancellation in the first 30 days
- Add-on coverage available
- No custom plans available
#2 Pick American Home Shield
The Combo and Build-Your-Own plans from AHS offer comprehensive and flexible coverage from a market veteran. Your home in Hawaii very likely does not have HVAC, and with a Build-Your-Own plan, you can choose the systems and appliances that you want to be covered. No need to get coverage for a system you don’t even have. A service request will be taken care of promptly with a 24/7 service call capabilities.
- Build-Your-Own option especially helpful for Hawaiian homes
- You can choose your own service fee
- Not highly rated on Google reviews
- Build-Your-Own plan can be pricier than other similar coverage
#3 Pick Select Home Warranty
With Platinum plans available for just $37.50 a month, Select Home Warranty is a solid second-place finisher. And one big reason for choosing a home warranty company is for help in emergency situations. Select Home Warranty not only accepts service calls 24/7, but sends service reps out promptly to take care of whatever you need.
- Prompt, reliable claim service 24/7
- No fee to transfer the policy to other property--great for landlords
- Maintain industry standard of filing claim within 3 days
- $75 policy cancellation fee
#4 Pick Total Home Protection
Really neck and neck with #3 is Total Home Protection. They are a relative newcomer but have gained a solid reputation. They have a strong customer service focus and will help point you in the right direction for help with problems not covered by their policy. On the downside, you have 1 day to submit your claim, while other companies are more generous with the window you have to submit a claim.
- Above average customer service
- Premium coverage starts at $479
- 1 day to submit a claim
- Shorter track record at 4 years in business
#5 Pick Amazon Home Warranty
Amazon Home Warranty is fifth pick on our top home warranty for Hawaii list. Amazon had experience serving customers since 2009, bringing over 10 years of experience to the islands. Their plans are affordable, with the most basic plan starting at $42 per month. Service fees are a flat-rate of $75, so there is never any surprises for each claim requested.
Additional coverage for your sump pump, a second refrigerator (great for keeping all mahi and tuna caught out on the open Pacific!), pool coverage and limited roof leak.
- Service fees are $75 per request
- Additional AC unit can be covered as an add-on
- Excellent BBB rating of A+
- Automatic renewal of plans
- Cancellation fee of $30
- No online chat support on the website.
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.