Best Home Warranty Companies in Hawaii (2025)
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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. We chose Elite Home Warranty as our top pick for Hawaii based on its flexible premiums and high coverage caps.
Key Takeaways
- The best home warranty companies in Hawaii is Elite Home Warranty, based on our extensive research of 13 home warranty providers.
- A home warranty costs $44–$62 per month in Hawaii, depending on your provider and coverage.
- Our survey revealed 92.7% of policyholders were satisfied with their current home warranty plan.
Hawaii’s Top 4 Home Warranty Companies
The highest-rated home warranty companies in Hawaii include these:
- Elite Home Warranty: Best for Flexible Coverage
- Liberty Home Guard: Best Customer Support
- Select Home Warranty: Best Budget Plan Option
- The Home Service Club: Best for Niche Add-on Coverage
We 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.
Comparing Home Warranty Companies in Hawaii
*We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,020-square-foot, single-family home in Honolulu, Hawaii. Your pricing may vary depending on your home’s location, size, type, and plan selections.
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 home warranty discounts for veterans or for signing up over the phone. 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.
Reviews of the Best Home Warranty Companies in Hawaii
We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Rolls your service call fee into your annual premium, avoiding a per-claim charge
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technician
- Requires you to call for a quote
Plans and Cost
When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.
We recommend reading through the sample contract or getting a quote for full details on coverage caps.
Below are the details of Elite’s coverage plans:
- Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit.
- Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.
- Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection.
Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.
More details on Elite’s plans and pricing can be found in the table below:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Elite Appliances | $44.49 | $70 | Varies per Item |
| Elite Systems | $49.99 | $70 | Varies per Item |
| Elite Complete | $58.99 | $70 | Varies per Item |
Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term.
We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:
- Annual maintenance
- Drainage, sewer, and water service lines
- Pool and spa equipment
- Geothermal heating and cooling systems
- Guest house
- Septic system
Our Experience with Elite Home Warranty
One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:
- He submitted his claim online and received an Elite claims specialist call within 30 minutes.
- He received a next-day appointment for his repair.
- The technician arrived on the assigned day but realized the repair would require out-of-stock parts.
- After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
- The technician completed the repairs within an hour.
Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.
We like Liberty Home Guard (LHG) for Hawaii homeowners who want strong customer support and customizable 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
Pros
- Guarantees workmanship on repairs for 60 days
- Provides coverage for two air conditioning units
- Includes a $2,000 coverage cap per covered item
Cons
- 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.
Here is a table so you can compare plan pricing:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Appliance Guard | $49.99 | $65–$125 | $2,000 |
| Systems Guard | $54.99 | $65–$125 | $2,000 (Plumbing & electrical: $500) |
| Total Home Guard | $59.99 | $65–$125 | Coverage caps remain the same |
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.
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
Pros
- Includes roof-leak coverage
- Offers discounts on purchases for several years of protection
- Has awards from Consumers Advocate, Consumer Affairs, and more
Cons
- 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.
Here is a table to compare plan pricing:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Bronze Care | $44.42 | $60–$75 | $500 |
| Gold Care | $44.42 | $60–$75 | $500 (HVAC: $3,000) |
| Platinum Care | $47.75 | $60–$75 | Coverage caps remain the same |
Add-On Coverage Options
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.
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
Pros
- 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
Cons
- 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.
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Standard | $51 | $65-$125 | Varies per Item |
| Comprehensive | $62 | $65-$125 | Varies per Item |
Add-On Coverage Options
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.
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 Do You 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 Best Home Warranty Company in HI – Our Take
We recommend Elite Home Warranty for Hawaii homeowners looking to protect their budget from appliance and system breakdowns. Before buying a home protection plan, we suggest getting a quote from at least three providers to see what coverage, exclusions, pricing, and benefits each one can offer you and your home.
Other Resources for Hawaii Residents
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?
Liberty Home Guard is the best option for Hawaii homeowners. Its three plan options allow homeowners to find the package that fits their needs. We also recommend Select Home Warranty for its affordable pricing and extensive add-on options.
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.
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.
