There are unique challenges Hawaii homeowners face when it comes to maintaining their homes. The high humidity levels, salty air, and occasional tropical storms can take a toll on even the most well-maintained systems and appliances. When something breaks down, the cost of repairs or replacements can be staggering, especially when considering the overall higher cost of living in the beautiful state.
That’s where a reliable home warranty comes in, offering protection against unexpected expenses and providing peace of mind. However, with so many providers to choose from and the industry’s reputation for confusing contracts and subpar service, finding the right company can be a daunting task.
To help Hawaii homeowners navigate this complex landscape, I conducted extensive research into the top home warranty companies serving our state. Using Today’s Homeowner’s rigorous rating criteria as a guide, I evaluated each provider’s coverage options, pricing, customer service, and overall reputation. I analyzed countless customer reviews, compared real costs, and scrutinized the fine print to identify the providers that offer the most comprehensive coverage and reliable service. After countless hours of research, I can confidently recommend the best home warranty companies in Hawaii.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
Read our full Home Warranty Review Methodology for more details.
Top 5 Hawaii Home Warranty Companies
- For Hawaii homeowners seeking a home warranty with unparalleled customization options, Liberty Home Guard is a top contender. With an impressive lineup of more than 40 add-ons, including pest control, electronics protection, and carpet cleaning, Liberty enables you to create a plan that precisely matches your home’s unique requirements. Additionally, its 60-day workmanship guarantee offers extra assurance, ensuring that any repairs are completed to your satisfaction.
- If your Hawaiian home features high-end home appliances, Elite Home Warranty’s exceptional coverage caps — up to $6,000 for appliances and $10,000 for home systems — provide the comprehensive protection you need. Elite also boasts strong customer ratings and offers 26 add-ons for further customization. Alternatively, American Home Shield stands out for its roof leak coverage, which you can get as an add-on or as part of a premium bundle. This is particularly valuable in Hawaii, where seasonal heavy rainfall could lead to potential roof issues.
- When choosing a home warranty in Hawaii, consider the state’s unique challenges, such as high humidity levels and the potential for tropical storms. Look for providers that offer coverage for systems and appliances prone to more wear and tear from these conditions, like air conditioning units and sump pumps. Additionally, since Hawaii has a higher cost of living compared to many other states, pay close attention to service fees and coverage limits to ensure you’re getting the best value for your money. Finally, take the time to thoroughly review the contract terms, including any exclusions or limitations, to avoid any surprises down the line.
My Expert Recommendation
For Hawaii homeowners seeking the best home warranty coverage, my extensive research and secret shopping have revealed two standout providers: Elite Home Warranty and Liberty Home Guard. Elite Home Warranty is an excellent choice for those with high-end appliances and systems, as it offers some of the highest coverage caps in the industry — up to $6,000 for appliances and an impressive $10,000 for home systems. These generous limits provide unparalleled protection for even the most expensive home components, which is particularly valuable in Hawaii, where the cost of living and repairs can be higher than the national average.
Liberty Home Guard, on the other hand, shines in its customization options. With more than 40 add-ons, including additional offerings like pest control, carpet cleaning, and premium appliance coverage, Liberty allows Hawaii homeowners to tailor their coverage to their specific needs. This flexibility is crucial, as Hawaii’s tropical climate and unique geographical challenges can put extra strain on home systems and appliances. Additionally, Liberty’s 24/7 emergency service ensures that you can get help quickly when breakdowns occur, minimizing the potential for further damage and discomfort.
When choosing a home warranty in Hawaii, it’s essential to carefully review contracts, compare coverage options, and consider the unique needs of your home, just as in any other state. However, with their comprehensive coverage, generous caps, and customizable plans, Elite Home Warranty and Liberty Home Guard stand out as two of the best options for protecting your Hawaii home investment. By prioritizing these providers in your search, you can find the peace of mind that comes with knowing your home is well-protected.
Hawaii Home Warranty Companies I Didn’t Include
I didn’t include First American Home Warranty (FAHW). Although FAHW is a prominent player in the industry, claiming to offer coverage in 35 states, I discovered that Hawaii is not among the states it serves. Another notable provider I didn’t include in my list is AFC Home Warranty. While AFC is indeed an industry-leading provider, recognized for its comprehensive coverage and excellent customer service, the company has yet to expand its reach to Hawaii.
I also left out Choice Home Warranty, as it’s currently facing a consumer fraud lawsuit filed by the Arizona Attorney General, which raises concerns about the company’s business practices and overall trustworthiness. Until this lawsuit is resolved and I can thoroughly review the findings, I don’t feel comfortable recommending Choice Home Warranty as a reliable option for Hawaii residents.
Compare The Highest Rated Home Warranties In Hawaii
| Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
|---|---|---|---|---|---|---|
 |
$50-$60 |
$75 |
12-48 hrs. |
NR |
VISIT SITE | |
 |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
VISIT SITE | |
 |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
VISIT SITE | |
 |
$46–$55 |
$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$52–$58 |
$60 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$38–$62 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$38–$48 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$17–$60+ |
$65–$100 |
2–24 hrs |
A- |
VISIT SITE | |
 |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
VISIT SITE |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties in Hawaii
Liberty Home Guard
4.6
Our Rating
When it comes to protecting your Hawaii home, Liberty Home Guard offers an unparalleled level of customization, allowing you to tailor your coverage to your property’s unique needs. With more than 40 add-on options, including protection for backup generators, central vacuum systems, guest houses, pest control, and even spas, Liberty provides the flexibility to create a plan that perfectly fits the systems and appliances in your home. This adaptability is particularly valuable in Hawaii, where homes often have unique amenities.
Liberty Home Guard also excels in customer satisfaction, maintaining an impressive 4.7-star rating on both Google and Trustpilot. This stellar reputation sets Liberty apart from many competitors in the industry, who often have average ratings of just 2 to 3 stars. As a Hawaii homeowner, you can feel confident that Liberty will be there for you when you need urgent repairs, offering responsive service and support. Additionally, Liberty goes above and beyond with perks like a 60-day workmanship guarantee on repairs — double the 30-day industry standard — ensuring that any issues are properly addressed and resolved to your satisfaction.
One concern I have with Liberty is its relatively low coverage limits for appliances, which max out at $2,000. This falls short of industry leaders like Elite Home Warranty, which offers an impressive $6,000 limit — three times that of Liberty. If you need to replace a high-end appliance like a clothes washer or refrigerator, you may find yourself with substantial out-of-pocket costs with Liberty.
It’s also worth noting that while Liberty offers an extensive array of more than 40 optional add-ons, these come at a higher price point than many competitors. On average, Liberty’s add-ons cost $14.99 per month, whereas some providers, such as Elite Home Warranty, offer certain add-ons for as little as $5.99 to as much as $12.99. Additionally, I’m not a fan of Liberty’s $50 cancellation fee when terminating their contract 30 days after starting it.
When it comes to finding the perfect home warranty for your Hawaii property, Liberty Home Guard’s extensive customization options make it a standout choice. With more than 40 add-ons, including coverage for pools, spas, saltwater pools, roof leaks, reverse osmosis water filter systems, TV mounting, and even pest control, Liberty allows you to create a plan that perfectly fits your home’s unique features and needs. This level of personalization, combined with competitive pricing starting at around $50 per month, is why I consider Liberty a top pick for most Hawaii homeowners and give it an impressive 9.3/10 rating.
One potential drawback to keep in mind is Liberty’s $2,000 coverage cap per item, which may not fully cover repairs or replacements for high-end appliances. If your Hawaii home is equipped with luxury or Pro-Series appliances, you should consider providers like American Home Shield or Elite Home Warranty, which offer higher coverage limits of $5,000 and $6,000 for appliances, respectively. However, for homeowners with standard appliances and systems, few companies can match Liberty’s combination of customizable plans, affordability, and excellent service reputation.
Speaking of service, Liberty consistently receives praise for its customer support, maintaining a 4.7-star rating on both Google and Trustpilot. Customers appreciate the company’s fast claims processing, responsive support, and 60-day workmanship guarantee — double the industry standard of 30 days. This dedication to customer satisfaction, along with its adaptable coverage options, makes Liberty Home Guard a top contender for safeguarding your Hawaii home and providing you with valuable peace of mind.
With an impressive array of three comprehensive plans and 40+ add-ons, Liberty Home Guard offers unparalleled customization options for Hawaii homeowners, earning a perfect 10/10 rating from me in the plans and coverage category. From unique offerings like pest control and limited roof leak coverage to essential protections for systems like well pumps and generators, with Liberty, you can create a policy that perfectly fits your home’s specific needs.
While Liberty’s service call fees of $65 to $125 are higher than the industry average, and most of its add-ons range from $8 to $15 monthly, the company offers enticing discounts that can help offset these costs. During my secret shopping online, I was offered two free months with annual payments and a seasonal $225 coupon, providing significant savings.
For comprehensive protection, I recommend Liberty’s Total Home Guard plan to Hawaii homeowners. At just $60 per month, it combines extensive appliance and system coverage for only $10 more than the base Appliance Guard plan, offering exceptional value. Additionally, Liberty’s 60-day workmanship guarantee stands out by doubling the industry standard, providing extra peace of mind on the quality of repairs.
With its customizable coverage, discounted pricing, and comprehensive plans, Liberty Home Guard is an excellent choice for Hawaii homeowners looking to safeguard their homes and budgets. The company’s flexibility and commitment to customer satisfaction make it a top contender in the home warranty market.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Appliance Guard | $49.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
| Systems Guard | $54.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
| Total Home Guard | $59.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Honolulu, HI. The cost data presented was accurate at the time of writing.
Available Add-Ons
Liberty offers more than 40 optional plan riders for Hawaii homeowners. If you don’t have a lot of time on your hands to complete less frequently required home maintenance tasks like gutter cleaning, power washing, and window washing, LHG’s options for these services are quite useful.
- Carpet cleaning: $19.99/month
- Casita guest unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics protection: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleaning: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Instant hot water dispenser: $9.99/month
- Lawn sprinkler system: $9.99/month
- Lighting fixtures: $7.99/month
- Limited roof leak: $11.99/month
- Pest control: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Additional spa: $9.99/month
- Power washing (exterior flooring): $19.99/month
- Pro-series clothes dryer: $4.99/month
- Pro-series dishwasher: $7.99/month
- Pro-series microwave: $4.99/month
- Pro-series range/oven/cooktop: $12.99/month
- Pro-series refrigerator: $14.99/month
- Pro-series stand-alone freezer: $14.99/month
- Pro-series washing machine: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Salt water pool: $23.99/month
- Second refrigerator: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (up to 65-inch TVs): $14.99/month
- TV mounting (up to 85-inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Well pump: $12.99/month
- Window washing/cleaning: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
Liberty has the following standard exclusions to its plans:
- Cosmetic defects
- Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
- Disposal of appliances, systems, or components
- Electronics, computerized, “smart,” or Internet/enabled components and parts
- Filters associated with any covered items
- Fire sprinkler systems
- Flues, vents, chimneys, and exhaust lines
- Glass parts
- Lighting
- Malfunction or damage caused by acts of God
- Noise
- Radon and other leak detection monitoring systems
- Remote receiving and transmitting devices
- Solar systems and applications
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
While Liberty’s base plans are competitively priced, starting at around $50 per month, its add-ons are generally more expensive than other providers. Most add-ons cost over $15 per month, compared to the $6 to $13 range competitors offer. Additionally, Liberty’s non-negotiable service fee, which ranges from $65 to $125 when filing a claim (depending on what system or appliance you need to be repaired), is higher than what many other companies charge.
Another factor to consider is that Liberty only covers items up to their “book value” rather than their full replacement cost. Book value is the estimated depreciated value of an item, meaning you’ll only receive partial credit for a failed appliance’s new value. Moreover, Liberty’s per-item coverage caps max out at $2,000 — much lower than the limits set by providers like Elite Home Warranty ($6,000) and American Home Shield ($3,000).
While these potential drawbacks are worth noting, Hawaii homeowners with standard appliances and systems may still find Liberty’s base plans to be an affordable choice. However, those with unique or luxury items should carefully weigh the costs and coverage limits of Liberty’s add-ons to ensure they meet their specific needs and budget.
When it comes to customer experience, Liberty Home Guard stands out with its 60-day service guarantee on repairs — double the industry standard — providing Hawaii homeowners with extra peace of mind that any work performed will meet quality expectations. If an issue isn’t resolved satisfactorily the first time, Liberty will address it again at no additional cost (in other words, no extra service call fees). I also appreciate the company’s user-friendly online quoting system, which allows residents to easily customize their plans and compare coverage options tailored to their home’s unique needs.
While Liberty’s 30- to 60-day waiting period (depending on the plan) before coverage kicks in is a potential drawback, it’s still in line with industry averages and shorter than some competitors who make customers wait up to 90 days. Once you’re a policyholder, you’ll have access to multiple contact options, including phone, email, and online chat, ensuring prompt support when you need it most.
When it comes to home warranty providers, Liberty Home Guard truly stands out from the crowd, consistently maintaining high ratings across thousands of reviews. If you’re a Hawaii homeowner looking for a company with an outstanding reputation and a proven track record of customer satisfaction, Liberty is my top recommendation. The company’s 4.7-star ratings on Google and Trustpilot speak volumes about its commitment to providing exceptional service, smooth claims processes, and quick issue resolution, setting it apart from competitors in the industry.
It’s worth noting that Liberty recently faced a temporary challenge when the Better Business Bureau (BBB) revoked its A+ rating due to several complaints being submitted in a short timeframe. However, this is a standard procedure while the BBB meticulously reviews the complaints, and Liberty has gone through this before in the last couple of years, successfully regaining its A+ rating after each evaluation. Negative reviews are rare and primarily mention isolated incidents of longer wait times or unexpected fees, which pale in comparison to the overwhelming praise from satisfied customers.
| Rating Site | Rating | Number of Reviews |
| BBB | NR (Not Rated)*/4.5 of 5 stars (customer reviews) | 2,519 |
| Trustpilot | 4.7 of 5 stars | 2,620 |
| 4.7 of 5 stars | 10,440 | |
| Yelp | 1.4 of 5 stars | 49 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note (as of 4/4/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.
With its impressive 12-hour average response time, critical emergency repair options, and a smooth, user-friendly claims process that includes multiple contact methods, Liberty Home Guard earns a well-deserved 10/10 rating from me for its outstanding claims handling. Once you’ve made it through the standard 30- to 60-day coverage waiting period, you can expect most claims to be approved within a swift 48 hours, and customers consistently praise Liberty’s quick payouts after approval. These rapid responses can be life-savers during a home crisis, like a broken air conditioner during a sweltering Hawaii summer or a burst pipe that threatens to flood your home.
LHG offers its plans in all 50 U.S. states, including Hawaii. Thanks to its ample nationwide coverage, you can expect to find local contractors near you who can repair issues in your home at a moment’s notice.
American Home Shield
4.3
Our Rating
I like that American Home Shield has over 50 years of experience in the industry. In that time, AHS has built a wide network of contractors, ensuring that Hawaii homeowners have access to specialized repair help for any distinctive needs their properties may have. This expertise, combined with the company’s commitment to customer satisfaction, is evident in its coverage of rust, corrosion, and even preexisting conditions and its adjustable service fee options.
One of the standout features of AHS is its roof leak protection, which can be included in the premium plan or added as an optional coverage — uncommon among home warranty providers. This is particularly valuable in Hawaii, where the tropical climate and occasional severe storms can put additional wear and tear on roofs. I’m also impressed by AHS’s industry-leading coverage limits, offering up to $5,000 for essential home systems like HVAC and $4,000 for appliances, which is substantially more than the $2,000 to $3,000 typically provided by most competitors.
Despite its impressive five decades of experience in the industry and extensive contractor connections, AHS has a disproportionately high number of negative reviews compared to its competitors. In the last year alone, the company received over three times the number of complaints on the BBB than rivals like Liberty Home Guard.
Furthermore, American Home Shield’s sub, 2-star ratings on both Trustpilot and Yelp indicate a lack of reputability, which should raise red flags for Hawaii homeowners. While it’s true that AHS’s longevity may contribute to the accumulation of reviews, the consistently low ratings across multiple platforms are disappointing for a company with such a well-established presence in the home warranty market.
American Home Shield’s extensive coverage limits set it apart from competitors, offering up to $5,000 for home systems and $4,000 for appliances. These high caps are a significant advantage for Hawaii homeowners with high-end equipment; the only provider with higher limits is Elite Home Warranty (EHW). The company’s 50 years of experience in the industry is evident in its comprehensive coverage, which includes protection against undetectable preexisting defects, rust, and corrosion – coverage that almost all other providers exclude.
While AHS boasts a vast contractor network, ensuring widespread support across the islands, some reviewers have reported extended repair delays. Additionally, the company’s 30-day workmanship guarantee falls short compared to rivals like EHW, which offers a 90-day guarantee. During my secret shopping experience, I found AHS’s website and quote process user-friendly and straightforward. However, it’s important to note that despite the higher coverage limits, the company’s lower-tier plans cover fewer appliances and systems compared to entry-level options from competitors. For all Hawaii homeowners seeking home warranty protection with AHS, I recommend the ShieldPlatinum plan. This plan offers broad coverage at only a slight increase in cost while still outshining comparable plans from other providers.
When it comes to plans and coverage, American Home Shield earns a solid 9/10 rating, thanks to its three comprehensive options: ShieldSilver for major systems, ShieldGold, which includes some appliances, and the top-tier ShieldPlatinum. The ShieldPlatinum plan stands out for its unique inclusion of roof leak coverage — a rare offering in the home warranty industry. This premium plan also provides free HVAC tune-ups, a valuable benefit for Hawaii homeowners looking to maintain their cooling systems and prevent breakdowns during the island’s year-round warm weather.
Another noteworthy feature of all AHS plans is their coverage of old, improperly installed items and preexisting conditions, which sets the company apart from competitors like Liberty Home Guard. However, AHS’s service fees range higher than average — $100 to $125. That said, AHS has the flexibility to allow customers to choose between lower monthly premiums or higher service fees based on their budget and needs. Additionally, the ShieldPlatinum plan includes allowances for code violations, permits, and equipment modifications that other warranties often exclude. During my secret shopping experience, a representative offered a 20% discount over the phone for signing up the same day (I found the same offer online, too), so it’s worth inquiring about any available deals or promotions.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| ShieldSilver | $39.99 – $49.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
| ShieldGold | $59.99 – $69.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
| ShieldPlatinum | $89.99 – $99.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
*If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $49.99 rate for the ShieldSilver plan pairs with the $100 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Honolulu, HI. The cost data presented was accurate at the time of writing.
Available Add-Ons
AHS has the following optional add-ons to its plans. While limited, I do appreciate the electronics protection plan — I know first-hand how costly and painful it can be to repair or replace these items.
- Electronics protection plan: $14/month
- Guest unit: $15.99/month
- Pool & built-in-spa equipment: $18/month
- Roof leak repair: $10/month
- Septic pump: $5/month
- Well pump: $8/month
Exclusions
American Home Shield has the following industry-standard exclusions to its plans:
- Damage due to pets or pests
- Failure to properly clean or maintain home systems or appliances
- Foundation or structural damage
- Improper installation, improper wiring, or damage caused by construction activity
- Manufacturer’s defect
- Misuse or human error
- Malfunction or damage due to natural disasters
- Neglect, rust, corrosion, or sediment
- Removal of hazardous materials such as asbestos, lead, or other toxic materials
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
When it comes to affordability, American Home Shield may not be the most budget-friendly option, with monthly premiums ranging from about $40 to $100 and service fees of $100 to $125, which are slightly above the industry average. However, its high coverage caps of $5,000 for home systems and $4,000 for appliances can save Hawaii homeowners more money in the long run if they have expensive repairs and need replacements. This justifies the higher up-front costs and earns AHS an 8.7/10 rating from me in this category.
During my secret shopping experience, I found American Home Shield’s website to be user-friendly when obtaining quotes and comparing pricing for different plans. The company also offers a standard 30-day waiting period before a new policy takes effect, which is a plus compared to the 60-day or longer wait times imposed by some competitors. Additionally, AHS assigns each customer an account manager and provides multiple contact methods, demonstrating a commitment to responding and helping you get better communication from individual representatives.
However, despite these advantages and the company’s impressive 50 years of experience in the home warranty industry, I came across numerous customer complaints about unreturned calls and messages during my research. This is particularly concerning if your AC unit stops cooling during a heat wave. Taking these factors into account, I give AHS a decent 8.4/10 rating for customer experience.
American Home Shield has a mixed reputation, with concerning ratings of 2.2 on Trustpilot and 1.1 on Yelp at the time of writing, but a glowing 4.5-star rating on Google, with thousands more reviews. The company’s Better Business Bureau (BBB) rating is slightly better at a B, but still falls short compared to other providers. Negative reviews often focus on slow repair dispatch, inexperienced contractors, or contract misunderstandings. Most of the contract complaints seem to be from customers who did not thoroughly review policy details before signing up.
Considering that AHS has positive ratings on Google and many more reviews than Trustpilot and Yelp, I give it a fair 7.7/10 rating for its reputation. It is also nice to see that American Home Shield actively engages with customers on Trustpilot. It replied to over 98% of negative reviews, often within 24 hours, demonstrating a commitment to resolving complaints.
| Rating Site | Rating | Number of Reviews |
| BBB | B/2.11 of 5 stars (customer reviews) | 11,139 |
| Trustpilot | 2.2 | 5,263 |
| 4.5 | 32,947 | |
| Yelp | 1.1 | 1,271 |
Editor’s Note: The ratings provided were accurate at the time of writing.
American Home Shield’s claims process earns a solid 8.4/10 rating for its user-friendly setup, 24/7 customer service availability, and the ability to submit claims online or by phone. Once you file a claim, AHS provides transparency by allowing you to track its status and view your home’s repair history through your online account dashboard. However, its average 48-hour response time is longer than some industry leaders, and some reviews highlight instances of unreturned calls and messages, slightly lowering my overall rating.
American Home Shield is available in every U.S. state, including Hawaii. With full nationwide coverage, you have access to its wide network of experienced contractors when you need repairs.
Select Home Warranty
4.2
Our Rating
I appreciate Select Home Warranty’s commitment to providing comprehensive coverage at an affordable price. What sets Select apart from other home warranty companies is its inclusion of limited roof leak coverage in all its plans. This feature is often excluded or only offered as an add-on by competitors. With Montana’s harsh winters and the potential for roof damage, this coverage brings me peace of mind.
Additionally, Select’s monthly rates, ranging from $44 to $48, are among the most cost-effective in the industry, making it an attractive choice for budget-conscious homeowners like myself. The company’s 90-day repair guarantee, which is significantly longer than many other providers, further demonstrates Select’s dedication to customer satisfaction and reliability.
One drawback of Select Home Warranty is that the company doesn’t allow you to choose your preferred repair contractors, which takes away your control over who works on your home’s systems and appliances. Another issue is the company’s strict $75 cancellation fee, which seems to prioritize Select’s interests over providing flexibility to Hawaii residents. I also find the lack of coverage for unknown preexisting conditions concerning, as it puts homeowners at risk of claim denials if they were unaware of hidden issues before signing up. To avoid this, I advise thoroughly inspecting your home and documenting everything before enrolling.
I also don’t like Select’s limited number of add-ons, with only nine options available compared to providers like Liberty Home Guard that offer more than 40, which could be problematic for those with unique home systems or high-end appliances requiring specific coverage.
Select Home Warranty offers a compelling mix of affordability, simplicity, and reliable coverage, earning it a solid 8.4/10 rating in my book. The company’s straightforward Bronze Care, Gold Care, and Platinum Care plans make it easy to choose the right protection for your appliances, systems, or both. One of Select’s standout features is its budget-friendly monthly premiums, which range from $44 to $48 — lower than many competitors like American Home Shield and Liberty Home Guard. This, combined with its lower service fees, makes Select an attractive choice for budget-conscious homeowners in Hawaii.
However, Select’s coverage caps max out at $3,000 for crucial items like air conditioning and HVAC systems. Given Hawaii’s year-round warm climate, which can put extra strain on cooling units, this coverage limit may not be enough for expensive replacements. Some providers offer caps up to $6,000 (American Home Shield) or even $10,000 (Elite Home Warranty), so it’s wise to consider the cost of your HVAC system before opting for Select.
That said, Select Home Warranty’s 90-day workmanship guarantee is a notable advantage, surpassing the 30- to 60-day guarantees typical in the industry. For Hawaii homeowners with standard appliances and systems looking for reliable, affordable protection, Select Home Warranty is a solid choice that delivers excellent value.
Select Home Warranty provides Hawaii homeowners with a respectable 8.3/10 rating for its straightforward approach to home warranty coverage. The company offers three clear plans: Gold Care for appliances, Bronze Care for systems, and Platinum Care for both. While the Gold and Bronze plans leave gaps in coverage, the Platinum Care plan fills those gaps for just $4 more per month, making it the obvious choice for most Hawaii residents seeking comprehensive protection.
One of Select’s standout features is its commitment to affordability. During my secret shopping, I found a 20% discount sale and was offered enticing incentives, such as two free months of coverage and $150 off the annual price. Customer reviews even mentioned the possibility of negotiating lower monthly and service fees when speaking directly with a representative. However, it’s worth noting that Select’s $3,000 coverage limits may not be enough for those with high-end appliances or systems. If you need higher coverage limits, look at competitors like American Home Shield and Elite Home Warranty, which offer limits two to three times higher.
| Plan | Monthly Cost* | Service Fee | Available Discounts |
| Bronze Care | $44.42 | $75 | $150 off (website), two extra months free (website) |
| Gold Care | $44.42 | $75 | $150 off (website), two extra months free (website) |
| Platinum Care | $47.75 | $75 | $150 off (website), two extra months free (website) |
*Note: Monthly cost figures provided include the discounted rate offered at the time of writing ($16 off). Select Home Warranty has been running this promotion since the beginning of this year.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Honolulu, HI. The cost data presented was accurate at the time of writing.
Available Add-Ons
Select Home Warranty has the following optional add-ons to its plans. Since many Hawaiian homes have pools and spas, I appreciate the optional coverage for these systems.
- Central Vacuum: $3.33/month
- Lawn Sprinkler System: $5.83/month
- Pool: $8.33/month
- Roof Leak: free
- Septic System: $5.83/month
- Spa: $5.83/month
- Stand-alone Freezer: $3.33/month
- Sump Pump: $3.33/month
- Well Pump: $3.33/month
Exclusions
Select Home warranty has the below exclusions from its plans, all of which are typical in the industry.
- Common areas in condominiums or multifamily homes
- Damage from natural disasters and rust
- Defects or damages caused by the foundation and structure of the home
- Incorrect installation or malfunctions due to construction damage or improper wiring
- Issues with systems or appliances related to hazardous or toxic materials (for example, mold, asbestos, and gas leaks)
- Secondary damage (e.g., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
- Solar heating systems
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Earning my impressive 9.1/10 rating, Select Home Warranty excels in affordability, making it a top choice for budget-conscious Hawaii homeowners. I appreciate that Select offers two affordable service fee options of $65 or $75, which are over $20 below the $100-plus fees many competitors like American Home Shield charge. These reduced fees give me peace of mind that if anything goes wrong, you won’t be out more than $75, depending on your plan.
Select’s competitive pricing extends across its Bronze, Gold, and Platinum plans, covering either appliances, systems, or both without large upcharges. The company’s monthly premiums, around $40 after discounts, are $10 to $20 cheaper than the industry average, providing real savings for Hawaii homeowners needing coverage on a budget. While Select’s $2,000 per appliance coverage limit may not suit every homeowner, it’s plenty for most homes with standard units.
Compared to other providers, Select Home Warranty offers more affordable monthly rates, with many providers costing $50 to $100 per month, compared to Select’s $40 a month (with discounts) rate. Overall, Select’s affordability, lower service fees, and adequate coverage limits make it an excellent choice for Hawaii homeowners looking to protect their homes without breaking the bank.
Select Home Warranty’s above-average customer experience, especially with its user-friendly online interface, makes it stand out from competitors. The company’s quick, transparent, and easy-to-use online quote process allows Hawaii residents to clearly see what each plan includes, excludes, and costs, as well as add-on breakdowns. Compared to pushier competitors that often bombard potential customers with excessive calls and emails, Select’s quote process was much faster and lower pressure for me. This convenience allows Hawaii homeowners to learn which plan best fits their needs without having to deal with aggressive sales tactics or confusing pitches. Select Home Warranty’s commitment to providing a stress-free home warranty experience is a welcome surprise, setting it apart from providers that often overwhelm and confuse potential customers.
With a B rating from the Better Business Bureau (BBB) and mixed reviews from customers across multiple reputable third-party review websites, Select Home Warranty holds an average customer reputation, resulting in a fair 8/10 rating from me. While positive reviews praise Select’s customer service, easy sign-up process, and quick service after filing a claim, negative reviews cite low reimbursement rates, issues with claim fulfillment, and incompetent technicians being sent to perform the work.
| Rating Site | Rating | Number of Reviews |
| BBB | B/1.39 of 5 stars (customer reviews) | 2,110 |
| Trustpilot | 3.8 of 5 stars | 4,818 |
| 3.8 of 5 stars | 19,830 |
Editor’s Note: The ratings provided were accurate at the time of writing.
The claims process with Select Home Warranty is relatively straightforward, allowing Hawaii homeowners to submit requests either online or by phone. However, the company’s average response time of around 48 hours for non-emergency claims is a drawback, especially when compared to some competitors who aim for 12 hours or less. This slower dispatch time earns Select a lower 7.6/10 rating in this category.
When major appliances like refrigerators fail, waiting two days for a technician could result in spoiled food, which is particularly concerning given Hawaii’s year-round warm climate. On a positive note, I appreciate that Select Home Warranty offers 24/7 emergency assistance for issues like burst pipes, leaking water heaters, or broken down AC units, ensuring prompt attention and minimizing potential health and safety risks.
SHW is available in all 50 U.S. states, earning it a tremendous 10/10 rating. With its expansive coverage, you can trust it has service providers near your home for swift home repairs.
Elite Home Warranty
4.3
Our Rating
One of the most impressive aspects of Elite Home Warranty is its affordable pricing combined with an extensive array of customization options featuring 27 different add-ons. Additionally, Elite’s generous coverage limits of up to $8,000 per system and $3,000 per appliance provide a sense of security, ensuring that even high-end equipment is well-protected without breaking the bank.
I also like that Elite Home Warranty boasts consistently high ratings, ranging from 4.5 to 5 stars, on reputable review platforms such as Yelp, Trustpilot, and Google. This glowing reputation stands in stark contrast to the industry’s average of 2- to 3-star ratings, highlighting Elite’s exceptional ability to keep customers satisfied.
I don’t like Elite Home Warranty’s policy of excluding commercial-grade appliances from all its plans. This exclusion is a notable drawback that could be a deal-breaker for some Hawaii homeowners. Additionally, I find it disappointing that the company doesn’t cover emergency repairs without charging an extra $150 fee. Many industry providers consider offering emergency services a standard practice, and it’s sensible to react in real-time when critical systems like air conditioners fail in Hawaii’s year-round warm temperatures.
Furthermore, I don’t appreciate Elite’s policy of voiding workmanship guarantees if you choose to use your own trusted technician instead of one from its contractor network. Hawaii homeowners value the option to select contractors they know are reliable and will do a good job.
As a BBB-accredited company, Elite Home Warranty offers some of the best coverage limits in the industry, with system payouts as high as $10,000 and appliance payouts up to $6,000. These generous caps are two to three times higher than the $2,000 to $3,000 maximums typically offered by competitors like Liberty Home Guard and Select Home Warranty, making Elite a top choice for Hawaii homeowners seeking to safeguard their expensive household equipment against costly repairs.
I strongly recommend Elite Home Warranty for Hawaii residents with high-end appliances, those who have more appliances and/or home systems than the average homeowner, or anyone concerned about low coverage caps. My personal preference leans toward Elite’s Complete plan, which bundles both home systems and appliances, ensuring you make the most of these industry-leading coverage limits. Additionally, with 26 add-ons available, Hawaii homeowners can customize their protection to fit the unique needs of their homes.
That said, while Elite offers round-the-clock customer service, it falls short when it comes to emergency repairs outside of normal business hours, charging a $150 emergency fee. This limitation, along with potential service surcharges for certain luxury brands and the exclusion of commercial-grade equipment across all plans, are drawbacks to consider. Despite these cons, I give Elite Home Warranty an impressive 8.6/10 rating for its comprehensive coverage and flexibility.
I confidently rate Elite Home Warranty’s plans a perfect 10 out of 10 for Hawaii homeowners, with its reasonable $100 service call fee and fair pricing for its three main offerings: Elite Appliances, Elite Systems, and Elite Complete. The Elite Appliances plan covers eight types of appliances, while the Elite Systems plan protects six home systems. For the most comprehensive coverage, I recommend the Elite Complete plan, which includes both appliances and systems.
What truly sets Elite apart are its unparalleled coverage caps, which are significantly higher than industry standards. For appliances, Elite pays up to an impressive $6,000 per claim, and for home systems, you get up to $10,000 in coverage. These robust limits are particularly valuable for Hawaii homeowners, given the state’s year-round warm climate that can put extra strain on home systems and appliances, increasing the likelihood of breakdowns and costly repairs.
When I was getting quotes, Elite offered me a 30-day free trial and $150 off enrollment over the phone. Because of this deal, calling them directly is the way to go for the best pricing. In fact, it is the only way you can get pricing, as Elite doesn’t provide quotes online. Still, with coverage limits significantly surpassing industry standards, Elite delivers exceptional protection for essential appliances and systems, providing immense peace of mind by fully covering sudden repair expenses.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Elite Appliance | $48.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
| Elite Systems | $52.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
| Elite Complete | $59.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Honolulu, HI. The cost data presented was accurate at the time of writing.
Available Add-Ons
Elite offers the following 26 optional add-ons. For homeowners in Hawaii who have geothermal heating and cooling systems, the optional coverage can save them hundreds to thousands in repair or replacement costs. Note that add-ons are charged at a yearly, not monthly, rate.
- Attic exhaust fan: $69.99/year
- Central vacuum: $49.00/year
- Effluent pump: $99.99/year
- Ejector pump: $99.99/year
- Freestanding freezer: $59.99/year
- Freestanding ice maker: $59.99/year
- Freestanding spa equipment: $119.99/year
- Generator: $99.99/year
- Geothermal heating and cooling System: $299.99/year
- Grinder pump: $99.99/year
- Guest house: $299.99/year
- HVAC annual maintenance: $299.99/year
- Jetted/hot Tub: $99.99/year
- Lawn Sprinkler System: $99.99/year
- Lift pump: $99.99/year
- Limited roof leak repair: $99.99/year
- Pool & spa equipment: $199.99/year
- Pool equipment: $149.99/year
- Premium appliances: $249.99/year
- Premium benefits: $199.99/year
- Premium systems: $299.99/year
- Premium systems plus: $499.99/year
- Septic system: $129.99/year
- Service lines: $349.99/year
- Sump pump: $99.99/year
- Swamp cooler: $149.99/year
- Water filtration system: $99.99/year
- Water softener: $99.99/year
- Well pump: $99.99/year
- Wine cooler: $69.99/year
Exclusions
Elite Home Warranty has these industry-standard exclusions to its plans:
- A lack of maintenance
- Acts of God
- Commercial-grade appliances
- Cosmetic damage
- Natural disaster-related damages
- Units in a rental property
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
When I spoke with Elite Home Warranty’s customer representatives, I found them vague and not very knowledgeable about the company’s add-on fees, which were also hard to find online. This lack of transparency makes it challenging for Hawaii homeowners to accurately compare plans and budget for long-term costs. Most add-ons fall in the $15 to $20 per month range, which is pricier than some other providers but still reasonable for expanded protection. However, additional fees like $150 for weekend or emergency service and $150 per visit for access to premium-brand technicians can quickly drive up expenses once you start a contract.
Despite these concerns, Elite Home Warranty’s monthly premiums, ranging from $45 to $60, are competitive with those of other providers in the state. The company offers standard coverage options, including appliances-only, systems-only, and bundled plans, with a $100 service call fee that parallels that of top competitors.
On the plus side, Elite offers a 30-day trial period, allowing Hawaii customers to vet plans risk-free before fully committing. Despite some drawbacks, I give Elite Home Warranty an 8.7 out of 10 on its affordability.
I give Elite Home Warranty a fair 7.6/10 rating for its customer experience. I found the company’s website challenging to navigate for quoting, unlike competitors’ sites that display premium estimates up-front. To receive even basic monthly price ranges, you have to call Elite directly, and you have to scroll down excessively to find the optional add-on costs on the website, which are only listed as a yearly price. This hidden pricing approach was frustrating and created unnecessary friction in the comparison shopping process.
When I talked with a customer representative on the phone, I felt like they didn’t explain the extra fees and charges associated with plan add-ons well. This shows a lack of training on their part. However, despite these initial quoting and budgeting hurdles, Elite Home Warranty boasts mostly positive customer reviews on the BBB, Trustpilot, and Google.
I give Elite Home Warranty a fair 8.3/10 reputation score due to its limited number of online reviews as a newer industry player. However, the company’s strong A+ Better Business Bureau rating and nearly all positive reviews from homeowners show its commitment to exceptional service. Customers praise Elite’s fast claims processing, affordable premiums, responsive support, quality contractors, and proactive follow-up to ensure satisfaction. While a few negative reviews mention longer waiting periods than what they advertise and some communication hiccups, these don’t appear to be widespread problems. The positive reviews should give Hawaii residents confidence in Elite’s ability to deliver top-notch service despite the small sample size of online feedback.
| Rating Site | Rating | Number of Reviews |
| BBB | A+/4.97 of 5 stars (customer reviews) | 739 |
| Trustpilot | 4.7 | 59 |
| 4.8 | 146 | |
| Yelp | 4.8 | 4 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I give Elite Home Warranty a below-average score of 6.8 out of 10 for its claims process. On the plus side, the company offers convenient 24/7/365 claims filing options, both online and by phone, which is on par with competitors. However, Elite’s lack of true emergency after-hours repair services without paying a $150 emergency fee is a significant drawback. This could lead some Hawaii homeowners to suffer with a broken AC unit during a heat wave just to save the $150. Furthermore, while Elite’s standard claim response time of 24 to 48 hours aligns with competitors, it doesn’t exceed the industry average, which is disappointing.
Elite offers its plans to homeowners in 46 states, excluding California, Texas, Washington, and Wisconsin. For Hawaii homeowners, you can count on its local contractors for quality repairs.
Calculate the Cost of Hawaii Home Warranty
Use the below home warranty calculator to help estimate the yearly cost of a new plan. Just put in your monthly premium, service call fee, and the number of service visits you expect in a year. The calculator will then provide the full estimated annual cost of a home warranty plan for your Hawaii home.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Hawaii Home Warranty Regulations
In Hawaii, the Department of Commerce and Consumer Affairs (DCCA) is responsible for regulating home warranty companies through its Insurance Division. The DCCA has established specific statutes, namely 481X-1 through 481X-12, which allow the department to assess and monitor home warranty providers, ensuring they operate fairly and ethically. These regulations help protect Hawaii homeowners from potential unethical business practices.
In addition to state oversight, the home warranty industry also engages in self-regulation through organizations like the Service Contract Industry Council (SCIC). As a national trade association, the SCIC collaborates with legislators to create reasonable and reasonable regulations that safeguard consumers’ interests while fostering a healthy business environment for home warranty companies. By working together, state regulators and industry associations strive to maintain a balance between consumer protection and industry growth in Hawaii’s home warranty market.
Editor’s Note: While this article highlights certain regulations, it is vital for readers to do their own research, as the mentioned regulations are not exhaustive.
Frequently Asked Questions
Do You Need a Home Warranty in Hawaii?
Hawaii’s tropical climate and high humidity can take a toll on home systems and appliances by causing more wear and tear, leading to a higher chance of breakdowns. This makes a home warranty a smart investment for many homeowners. Additionally, Hawaii’s remote location can lead to higher repair and replacement costs, which a home warranty can help mitigate.
How Much Does a Home Warranty Cost in Hawaii?
The average cost of a home warranty in Hawaii is around $600 per year, with prices typically ranging from $300 to $900 annually. To get a better understanding of the factors that influence home warranty costs, check out our article on the average cost of a home warranty.
How To Save Money When Shopping for Home Warranties In Hawaii?
To get the best rates on home warranties in Hawaii, I recommend obtaining quotes from at least three different providers and comparing their coverage, pricing, and customer reviews. Additionally, look for promotions or discounts, such as multi-year contracts or bundling your home warranty with other services, which can help you save money in the long run.
Is a Home Warranty Worth It for Hawaii Homeowners?
A home warranty is worth it for Hawaii homeowners because it can provide peace of mind and financial protection against unexpected repairs or replacements of critical home systems and appliances. To learn more about the benefits and drawbacks of home warranties, read our guide on whether home warranties are worth it.
