We chose Choice Home Warranty as the best home warranty company in Hawaii due to its budget-friendly combined system and appliance coverage that costs less than $70 per month. We also selected Elite Home Warranty as a top pick for Hawaii based on its flexible premiums, long list of add-ons, and high coverage caps.
Home warranties in Hawaii can help protect your systems and appliances, especially with the state’s humid climate that can speed up wear and tear. We compared leading home warranty companies based on key factors such as cost, coverage, and customer reviews, narrowing down the best options for Hawaii homeowners. Keep reading to learn more about our top picks.
Key Takeaways
- We picked Choice Home Warranty as the top home warranty provider in Hawaii.
- A home warranty in Hawaii costs $62–$65 per month, or about $712–$744 per year.
- Our 2025 survey of 2,000 home warranty users nationwide revealed that 58% of respondents considered coverage the most important feature when selecting a plan.
Hawaii’s Top Home Warranty Companies
The highest-rated home warranty companies in Hawaii include these:
- Choice Home Warranty: Best Basic Coverage
- Elite Home Warranty: Best for Customized Coverage
- Liberty Home Guard: Best Customer Support
- Select Home Warranty: Best Budget Plan
Comparing Home Warranty Companies in Hawaii
We examined the leading home warranty providers in Hawaii and narrowed our list based on factors such as pricing, plans, reputation, customer service, and more. Compare our top picks below:
Note: We based the pricing information in this table on averaged costs from sample quotes for single-family homes both over and under 5,000 square feet across all 50 U.S. states. Your pricing may vary depending on your home’s location, size, type, and plan selections.
Better Business Bureau (BBB) ratings accurate as of March 2025. A “No Rating” or “NR” indicates that the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Reviews of the Best Home Warranty Companies in Hawaii
Below is a detailed review of our top Hawaii home warranty providers.
We recommend Choice Home Warranty for Hawaii homeowners who want a balance of comprehensive coverage and affordability. The company offers plans that cover both systems and appliances for under $70 per month, plus a generous $3,000 cap for most covered items.
Pros and Cons
Pros
- Offers two plans with combined system and appliance coverage on both
- Backs repairs with a 90-day guaratee on parts and 60 days for labor
- Offers a $3,000 coverage caps for most items
Cons
- Excludes some key items from its lowest plan tier, such as air conditioning
- Only offers one service call fee option, limiting your cost flexibility
Plans and Pricing
Choice Home Warranty offers two plan options: the Basic Plan and the Total Plan. Both plans provide combined coverage for systems and appliances, but at different levels. The Basic Plan offers the least coverage, excluding essential home items like air conditioning, washers, dryers, and refrigerators. If you need coverage for these items, you can choose the Total Plan instead.
The company charges a standard $100 service call fee for each repair appointment. You will pay this fee every time you schedule a service visit. Most providers offer two or three fee options to make it easier to customize costs to your budget.
Here’s an overview of Choice Home Warranty’s plan options:
- Basic Plan ($60 per month): Covers seven systems and seven appliances, such as built-in microwaves, dishwashers, and plumbing systems
- Total Plan ($68 per month): Covers eight systems and 10 appliances, adding air conditioning, clothes washer, clothes dryer, and refrigerator coverage
Add-On Coverage Options
CHW offers 10 add-ons, ranging from $3–$15 per month, allowing policyholders to protect items not covered by its base plans. The company has a $500 coverage limit for all add-ons, except septic tank pumping, which is limited to $250 per claim.
Below is a sample of avaiable add-ons:
- Limited roof-leak coverage
- Pools
- Septic system
- Sump pump
- Well pump
Elite Home Warranty lets you customize coverage with 30 add-ons and a “Customize Your Own” option to select specific appliances and systems. This plan offers the most flexibility in our review, helping you avoid paying for unnecessary coverage.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Provides an entirely customizable plan option
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technician
Plans and Cost
Elite Home Warranty’s plans include a $15,000 annual coverage limit, with up to $7,000 for appliances and $8,000 for systems—higher than many competitors. However, claim limits vary by item, such as a $4,000 cap for air conditioners and $2,000 for electrical systems. The company also offers a 90-day workmanship guarantee, three times longer than the industry standard.
The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls after hours or on weekends.
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems ($50 per month): Covers eight home systems, HVAC, ductwork, electrical systems
- Elite Complete ($60 per month): Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
Add-On Coverage Options
Elite offers 30 add-on options, the second-largest catalog we’ve seen from a home warranty company. Based on our research, most providers provide eight to 15 add-ons. Elite’s add-on coverage limits vary by item, but there is a $5,000 total limit per term. However, the company doesn’t disclose add-on pricing online.
Below is a sample of its available add-on options:
- Freestanding ice maker
- Freestanding spa equipment
- HVAC annual maintenance
- Jetted and/or hot tub
- Lawn sprinkler system
- Septic system
We like Liberty Home Guard (LHG) for Hawaii homeowners who want strong customer support and customizable coverage. LHG offers more than 42 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
- Includes a $2,000 coverage cap per covered item
- Guarantees workmanship on repairs for 60 days
- Provides coverage for two air conditioning units
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: 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.
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.
We’ve outlined Liberty Home Guard’s home warranty plan coverage below:
- Appliance Guard ($57 per month): Covers nine major appliances, such as clothes washers, clothes dryers, built-in microwave ovens, dishwashers, garbage disposals, and garage door openers
- Systems Guard ($62 per month): Covers six major systems, such as HVAC, ductwork, electrical, and plumbing systems
- Total Home Guard ($68 per month): Includes everything listed in the Appliance Guard and System Guard
Add-On Coverage Options
Liberty Home Guard offers 42 add-ons, far more than the 8–12 options typically provided by other home warranty companies. Options include coverage for secondary refrigerators, water softeners, pools, and lawn sprinkler systems. While the service contract doesn’t list coverage limits for all add-ons, it does cap certain items at $500, such as pools, septic tank plumbing, and well pumps.
Below is a sample of Liberty Home Guard’s add-ons options:
- Generator
- Lawn sprinkler system
- Limited roof leak
- Stand-alone freezer
- Well pump
Select Home Warranty offers three plans with some of the most affordable rates in our review–with coverage costing less than $50 per month in Hawaii. Select also includes roof-leak repair coverage in every plan, and offers generous cooling and heating systems coverage.
Pros and Cons
Pros
- Includes roof-leak coverage with every plan
- Offers up to $3,000 in HVAC protection
- Provides the lowest monthly costs and service call fees in this review
Cons
- Doesn’t disclose service call fees during the buying process
- Limits coverage caps for appliances and add-on options
Plans and Pricing
Select Home Warranty offers three plans: Gold Care, Bronze Care, and Platinum Care. Bronze covers appliances, Gold covers major systems, and Platinum provides comprehensive coverage. The company doesn’t disclose its service call fees during the quote process, but they typically range from $60–$75 per visit when a contractor repairs or replaces a covered item. Select Home Warranty offers $3,000 coverage for HVAC systems, while other systems are capped at $500, which is much lower than other reviewed providers.
We outlined Select Home Warranty’s coverage options in each plan below:
- Bronze Care ($44 per month): Covers eight major appliances, such as cooktops, dishwashers, garbage disposals, built-in microwaves, refrigerators, stove/ovens, clothes washers and clothes dryers
- Gold Care ($44 per month): Covers six home systems, including air conditioning, ductwork, plumbing, heating, and electrical systems and water heaters
- Platinum Care ($48 per month): Bundles home systems and appliance coverage into one comprehensive plan
Add-On Coverage Options
Select Home Warranty offers nine add-on options, including coverage for pools, spas, septic systems, and well pumps. The coverage levels of these add-ons are capped at $400 or lower, which is lower than many competitors.
Here are some of Select Home Warranty’s available add-ons:
- Central vacuum
- Lawn sprinkler system
- Pool
- Sump pump
- Well pump
How Much Does a Home Warranty Cost in Hawaii?
The average cost of a Hawaii home warranty is $62–$65 per month or $712–$744 per year. This falls within average home warranty pricing of $47–$82 per month or $564–$984 per year, making Hawaii’s costs slightly higher than the national average. Home warranty prices vary by provider and depend on home size and coverage level. Larger homes, particularly those over 4,000 square feet, often have higher monthly costs, and choosing a more comprehensive plan covering major systems and appliances will also cost more than basic or single-category plans.
If you’re looking to reduce your monthly premium, consider the following strategies:
- Coverage selection: Only purchase coverage for the items you genuinely need. For example, if you only require appliance protection, an appliances-only plan is a more affordable option than a complete systems-and-appliances combination plan.
- Discounts: Many providers offer discounted plans for veterans, online sign-ups, or annual premium payments. Checking for these deals can help lower costs.
- Service call fees: Some companies offer flexible service call fees that allow you to adjust your monthly premium. Opting for a higher service fee can significantly reduce your plan’s monthly cost.
Home Warranty Regulations 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 $75 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 Should You 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.
Other Resources for Hawaii Residents
FAQs About Home Warranties in Hawaii
Who is eligible for a home warranty in Hawaii?
Anyone in Hawaii, including real estate agents, first-time home buyers, home sellers, and existing homeowners, is eligible for a home warranty. For real estate agents or home sellers, offering a warranty can attract potential buyers. A home warranty helps protect against unexpected repair or replacement costs for systems and appliances.
Which home warranty company provides the best coverage in Hawaii?
Choice Home Warranty is the best option for Hawaii homeowners thanks to its low-cost basic coverage. We also recommend Elite Home Warranty for its flexible plans and extensive add-on options.
What is the difference between homeowners insurance and home warranty?
Home insurance offers financial protection for structural damage or loss of personal property due to emergencies and catastrophic events, such as fires, storms, and theft. A home warranty covers the cost of repairs and replacements to appliances and systems that break down due to normal wear and tear. While mortgage lenders typically require home insurance, a home warranty is optional.
Our Rating Methodology
We used a detailed rating methodology to evaluate each home warranty company. Our evaluation included conversations with company representatives, gathering quotes, reviewing sample contracts, and conducting surveys and focus groups with homeowners. We also conducted secret shopping and tested the sign-up and claims process for 11 top providers to assess the customer experience.
The results of our evaluations led us to score each provider across six essential comparison categories. The total score, out of 100 points, was converted into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: This category evaluated how comprehensive each provider’s coverage is, including coverage for standard and special items. Providers offering more extensive coverage and higher annual limits earned higher scores, while long waiting periods and depreciation policies led to deductions.
- Cost: We analyzed average pricing and service call fees. Providers with lower pricing and no extra fees were rated higher.
- Trustworthiness: We examined customer reviews on BBB, Trustpilot, and other trusted sources to evaluate reliability. Providers with strong customer feedback, long guarantees, and no legal issues received higher scores.
- Plan transparency: We assessed the clarity of each provider’s contract terms, policies, and disclosures. Providers offering clear and accessible information scored higher.
- Customer support: We reviewed the accessibility and responsiveness of customer support, considering factors such as multiple claims filing options and response times. Companies with fast, helpful service earned better scores.
- Flexibility: We awarded higher ratings to providers offering various plan options, numerous add-ons, technician choice, and customer-friendly cancellation policies.
