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7 Best Home Warranty Companies in Hawaii for 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
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- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
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- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
When it comes to owning a home in Hawaii, it’s important to have peace of mind knowing that your home systems and appliances are protected in case of breakdowns. Whether it’s Honolulu or Pearl City, one way to ensure this peace of mind is by purchasing a home warranty, which is a service contract that covers the repair or replacement of certain home appliances and systems. In this article, we will be discussing the seven best home warranty companies in Hawaii for 2023.
Our Top Picks for Best Home Warranty Companies in Hawaii
- Best choice of systems plan: Liberty Home Guard
- Best for low-cost plans: Select Home Warranty
- Best for unlimited coverage: American Home Shield
- Best for appliances: Home Warranty of America
- Best for no-inspection coverage: Choice Home Warranty
- Best for less common coverages: Home Service Club
- Best for zero service fees: Complete Protection Home Warranty
Table of Contents
- Best home warranties in Hawaii reviews
- Home warranty companies in Hawaii guide
- Best home warranties in Hawaii FAQs
- How we chose the best home warranty companies in Hawaii
Best home warranties in Hawaii reviews
Best Choice of Systems Plan: Liberty Home Guard
- Three highly-customizable plans
- Choose coverage by system
- Can't choose your own deductible
Liberty Home Guard provides three customizable plans to meet diverse customer needs: Systems Guard, Appliance Guard and Total Home Guard. But the company differentiates itself by allowing customers to choose coverage for specific systems in your home.
With an extensive list of optional add-ons, it stands out from competitors. Systems Guard covers important systems such as HVAC, plumbing and electrical. Appliance Guard protects common home appliances, including washers, dryers, microwaves and more. The Total Home Guard plan combines the benefits of both.
Although Liberty Home Guard has moderate premiums, its $125 service call fee is not flexible and is at the high end of the industry-wide range.
Best for Low-Cost Plans: Select Home Warranty
- Choose among systems, appliances or combo plan
- Low-cost combo plan
- Save money with multiple-year plans
- Fewer add-on options
- Coverage limits for appliances, electrical systems and plumbing systems is just $500
- Doesn't provide service call fee information
- More exclusions than other plans
Select Home Warranty offers homeowners three plan options: appliance, systems, or a combo of both. Its Platinum Care plan is affordable compared to other combo plans, and you can save on Select Home Warranty premiums by opting for a multi-year contract.
However, Select Home Warranty plans may not fully cover certain systems and appliances should they need replacement. For example, the company limits appliance replacement coverage to $500. Nowadays, many kitchen appliances cost far more.
The company provides a sample contract showing coverage details and exclusions, but does not disclose its service call fee or length of workmanship guarantee, which are crucial factors to consider when evaluating a home warranty plan’s value.
Best for Unlimited Coverage for Systems Repairs: American Home Shield
- Over 50 years in business
- Unlimited coverage for covered system repairs
- Covers items with no maintenance records
- Covers breakdowns of appliances that haven't been properly maintained
- Free removal of items that need replacement
- More expensive than other plans
American Home Shield has been in business since 1971. In 1989, the company was acquired by Service Master, a 100-year-old company and one of the best-known and most experienced companies in the home service category. So when it comes to experience and street cred, American Home Shield lands at the top of our list.
The company also stands out for having fewer exclusions than other home warranty companies and for placing no limits on system coverage. Appliances that have been neglected are still eligible for breakdown coverage. With no limits on systems coverage, an American Home Shield warranty can save you thousands of dollars should your heating system need replacement, for example.
The ShieldSilver plan covers four major systems in your home: heating, cooling, electrical and plumbing. The ShieldGold plan adds in coverage for kitchen and laundry room appliances. The ShieldPlatinum plan includes everything covered in the two less expensive plans and adds in limited roof leak coverage, free HVAC tune-ups and unlimited refilling of A/C refrigerant. It also includes coverage for repairs made necessary by code violations, which are normally excluded by home warranty plans.
Best for Appliances: Home Warranty of America
- Includes coverage for items not covered typically by other companies
- Provides optional coverage for secondary appliances
- GreenPlus plan can save customers on water and electricity costs
- Annual premiums higher than national average
- Cancellation fee of 10%
Home Warranty of America (HWA) is a home and appliance insurance provider with over 20 years of experience in the industry. They offer two home warranty plans, Premier and Premier Plus, which include coverage for over 30 items, including those that are typically not covered by basic home warranty plans. The company also provides optional coverage for secondary appliances, saltwater equipment, water heaters and primary and secondary pools or spas.
HWA’s GreenPlus plan is a unique offering that allows customers to replace their covered systems or appliances with Energy Star-qualified products, which can save customers on water and electricity costs. Although HWA’s annual premiums, starting at $580, are higher compared to competitors, the company still provides reasonable prices. The plans are flexible, with the option to cancel within the first 30 days of coverage, although a cancellation fee of 10% will be deducted. HWA’s claims processing is available 24/7 and the company offers comprehensive coverage, making it a good choice for discerning customers.
Best for No-Inspection Coverage: Choice Home Warranty
- First month free when you select an annual plan
- Two combination systems-and-appliances plans to choose from
- Publishes an informative homeowner's blog
- Refrigerators not covered in its lowest-cost plan
- Only covers properly maintained systems and appliances
- No sample contract provided on website
Choice Home Warranty offers two customizable plans that can be tailored to fit the specific needs of a wide range of properties. Choice Home Warranty’s plans are a good value, providing broad coverage at moderate prices.
Choice Home Warranty is one of several companies that do not require a home inspection before a policy is issued. However, it’s important to note that the company reserves the right to deny coverage for any known or unknown pre-existing condition. This is an important consideration for homeowners who don’t quite know what they’re getting into when they buy an existing home.
Best for Less Common Coverages: The Home Service Club
- Washers and dryers included in the company's least expensive plan
- Coverage available for less common issues like gas leaks, smoke detectors and security system wiring
- Optional roof coverage
- Less flexibility in coverage and pricing
- Offers combo plans only
The Home Service Club offers homeowners two options, both of which include coverage for some, but not all, systems and appliances. Depending on the age of your home and how it’s equipped, the coverage combinations they offer may appeal to you.
The company’s Standard plan includes coverage for the most important home systems — plumbing, electrical, heating and cooling — and the most common appliances, including washers, dryers, and dishwashers. That extent of coverage is unusual in base-price combination plans. Ducts, however, are excluded from the Standard plan — an important consideration for homes with forced-air heating and central air conditioning. The company also excludes plumbing stoppages from its plumbing system coverage.
Home Service Club’s Comprehensive protection plan includes coverage for everything in the Standard plan but adds in protection for ducts, gas and water leaks, telephone and security system wiring, and pest control.
Best for Zero Service Fees: Complete Protection Home Warranty
- Four different plan tiers
- No service fee or deductible with any plan
- Choose your own technician or one from the company's network
- 30-day waiting period
- Protection limited to one unit per system
The Complete Protection Home Warranty offers four different plans: Essential ($500), Advanced ($600), Comprehensive ($700), and Ultimate ($800). The warranty covers appliances and major systems with no service fee or deductible. The protection begins after a 30-day waiting period, unless you receive it through a real estate transaction. You can choose a local repair technician or one from their network. The company will decide if the item needs to be repaired or replaced.
You can customize your plan by adding options. The plan runs month-to-month and can be canceled at any time with 30 days’ notice from the company. The protection is limited to one unit per system or appliance and only covers items listed on the agreement. Service is provided to restore normal operating conditions.
Home warranty companies in Hawaii guide
Home warranties in Hawaii are an excellent investment for homeowners, along with homeowner’s insurance. Here are some key things to know before you buy a home warranty in Hawaii.
- Make sure the company is licensed and insured in the state of Hawaii
- Read the contract carefully and understand what is and isn’t included in its home warranty coverage
- Compare pricing and coverage options from different companies
- Understand the service call fee and additional costs, as well as its exclusions
- Be aware of the difference between home warranty vs home insurance
What does a home warranty company in Hawaii cover?
A home warranty company typically covers major appliances and systems in your home such as your HVAC system, plumbing, electrical, and more. These warranties typically cover repairs and replacements due to normal wear and tear, but not damage caused by neglect or lack of maintenance. Some items that may be covered are:
- Garage door openers
- Garbage disposals
- Heating systems
- Hot water heaters
- Built-in microwaves
- Exhaust fans
- Washing machines
- Water dispensers
- Plumbing systems
This coverage will vary depending on the service provider, and some appliances not covered by the protection plan may be added as add-on coverage. Typically, home warranty providers include a workmanship guarantee.
How much does a home warranty cost in Hawaii?
The cost of a home warranty in Hawaii can vary depending on the company and the coverage plan you choose. On average, you can expect to pay around $300-$500 per year for a basic plan. Additional coverage options may increase the cost.
Who regulates home warranty companies in Hawaii?
Home warranty companies in Hawaii are regulated by the Hawaii Department of Commerce and Consumer Affairs. It is important to make sure the company you choose is licensed and insured by this agency.
How does a home warranty work?
A home warranty covers the repair or replacement of specific home appliances and systems due to normal wear and tear. When a covered item breaks down, you will pay a service call fee and the warranty company will send a service technician to repair or replace the item.
Best home warranties in Hawaii FAQs
How much is the service fee for a home warranty in Hawaii?
How do I know if I'm eligible for a home warranty in Hawaii?
Why is a home warranty indispensable in Hawaii?
How long is the waiting period for a home warranty in Hawaii?
How we chose the best home warranty companies in Hawaii
When choosing the best home warranty companies in Hawaii, we considered several factors including coverage options, pricing, customer reviews, and the company’s reputation. We also made sure that each company was licensed and insured in the state of Hawaii.
We also looked at the specific coverage options offered by each company, such as coverage for appliances like washers and dryers, as well as home systems like plumbing and HVAC. We also considered the pricing of each company and their service call fees.
In addition, we also took into account customer reviews and the company’s reputation in the industry. We wanted to make sure that we were recommending companies that had a track record of providing excellent service and support to their customers.
