Best Home Warranty Companies in Hawaii

As a homeowner in Hawaii, having a home warranty can protect your systems and appliances when they break down due to normal wear and tear. It will also give you peace of mind that your home items will be repaired or replaced quickly when an issue arises.

To help you throughout your home warranty buying process, we reviewed the best home warranty companies in Hawaii so that you can skip the research and go straight to buying.

Hawaii’s Top 3 Home Warranty Companies

The highest-rated home warranty companies in Hawaii include these:

• Liberty Home Guard: Best Customer Ratings
• Select Home Warranty: Best Value
• The Home Service Club: Quickest Service

Our team 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.

Summary of the Best Home Warranty Companies 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 policy discounts if you sign up over the phone or are a veteran. 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.

Annual Home Warranty Cost Calculator

Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

Life span and repair cost data sourced from InterNACHI and The Home Depot

Liberty Home Guard

Liberty Home Guard (LHG) is our top provider for Hawaii homeowners who wish to have customizable home systems and appliance 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

Check out our list of pros and cons for Liberty Home Guard coverage:

✔ Guarantees workmanship on repairs for 60 days
✔ Provides coverage for two air conditioning units
✔ Includes a $2,000 coverage cap per covered item

✘ 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.

Liberty Home Guard also provides the following 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.

Fill out Liberty Home Guard’s quote form or call 866-452-9107 for your free quote.

Learn more: Liberty Home Guard Review

Select Home Warranty

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

✔ Includes roof-leak coverage
✔ Offers discounts on purchases for several years of protection
✔ Has awards from Consumers Advocate, Consumer Affairs, and more

✘ 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.

You can also purchase additional coverage for these items: 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.

Learn more: Select Home Warranty Review

The Home Service Club

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

Review key pros and cons regarding The Home Service Club’s coverage options:

✔ 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

✘ 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.

The Home Service Club coverage add-ons include these items:

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.

To learn more: The Home Service Club Review

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. 

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.

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.

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.

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.

Our Conclusion

The This Old House Reviews Team recommends Liberty Home Guard, and Select Home Warranty for Hawaii homeowners looking to protect their budget from appliance and system breakdowns. Before purchasing a home protection plan, we recommend getting a quote from each provider to see what coverage, exclusions, pricing, and benefits each one can offer you and your home.

How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.

Our Rating Methodology

The This Old House Reviews Team backs 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, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.  

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.