A Hawaiian home warranty is a service contract that protects homeowners from the cost of repairing or replacing essential appliances and systems. Home repair budgets don’t stretch as far in Hawaii as they do in other states. From the Big Island to Honolulu, housing prices are high. With experts suggesting you budget around 1-4% of your home’s purchase price for repairs each year, maintenance costs can quickly add up. 

Home warranties are helpful for saving money in any state, but they tend to be more valuable in Hawaii than in many other areas. For most of the year, Hawaiians experience temperatures above 70 degrees, including in the winter. The sustained heat means air conditioners and refrigerators will need to work constantly, which puts them at risk of breakdown.

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

Unlike homeowners’ insurance, home warranties cover day-to-day repair costs. We’ve identified the best home warranties in Hawaii based on coverage, cost, and reputation. These providers offer varying levels of coverage and price points, so take a look at the details and gather some quotes to see which provider best meets your home’s needs. However, if you need other recommendations aside the below listed, you can check out our premium home warranty services.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.


What Are the Best Home Warranties in Hawaii?

Liberty Home Guard is our top pick for home warranty coverage in Hawaii. But, it might not be the best fit for every homeowner. We’ve compiled a list of our top five Aloha State recommendations to help you find your best fit:

Liberty Home Guard: Best For Customization

Hawaii Home Warranties Compared

The table below outlines data for the best home warranty companies on the market. We constantly update these ratings and as these companies change their policies and prices to give you the most accurate information possible. Continue reading for our specific reviews of Hawaii’s top options.

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE
AFC Home Warranty logo

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$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

How to Choose the Best Home Warranty in Hawaii

These top five home warranty plan options in Hawaii are quite strong. It doesn’t matter if you have a new or old home; you can take advantage of this impressive coverage. The hard part now becomes narrowing down which one is specifically best for your needs. Three things to look for in the overall plan are coverage caps or limits, cancellation fees, and the BBB rating. 

Each home warranty company has several different plans that you can choose from. Most companies have an appliance plan, a system plan, and then a combo plan. The combo plan tends to be the best choice for Hawaii homeowners because of the combination of system and appliance coverage. To deal with the humidity and warm conditions in Hawaii, a comprehensive policy is important. 

Each appliance or system in your home warranty coverage will have a coverage cap or policy limit. For some plans, this will be around $500, and for others, it will be $3000. If you have a higher coverage cap, it could help with replacement costs as well. 

Service fees are the price that you pay each time you file a claim for a repair or replacement. Most service fees will be priced anywhere from $60 to $150. The more expensive service fees typically have lower monthly prices. The company’s workmanship guarantee will ensure that you are not paying extra service fees for failed repairs. If you schedule a repair for an appliance or system, the workmanship guarantee ensures that it will be covered for 60,90, and sometimes even 180 days. To keep out-of-pocket expenses low, the workmanship guarantee is an important policy benefit to look for. 

Most home warranty companies allow for cancellation with a catch. Some companies charge a cancellation fee associated with the plan. Typically $75 is the early cancellation fee, but this is a good thing to look into before you sign up for the plan.

The BBB rating indicates how the home warranty company is doing when it comes to customer service and reliability. It is good to check into the BBB ratings but don’t take these as the only way to choose a plan.

The above criteria are crucial to consider no matter where you live, and there are some additional things to think about when choosing a home warranty in Hawaii, specifically.

First, most Hawaiians want coverage for their air conditioning systems, as cooling equipment is under constant stress from the high year-round temperatures in the area. Condensers and blower motors are more likely to break down and fail when they’re overworked, so a warranty that covers these items can be particularly valuable.

Another thing you might specifically want to look for coverage for is your refrigerator. Just like with your AC system, your fridge will battle the high temperatures and high summer humidity and will be more prone to breaking down and needing service. A home warranty that covers refrigerators is often well worth the investment, given that repair and replacement costs can reach into the thousands.


How Much Does a Home Warranty in Hawaii Cost? 

The average home warranty cost in Hawaii will range in price from around $40 a month to more than $70 per month. The difference in cost typically has to do with plan choices and add-on coverage. The more comprehensive your policy is, the more it is going to cost you. Add-on coverage can bump up your annual costs as well. The average service fee is around $85 per claim, although this is typically your only out-of-pocket cost.

Overall$736.76
Single Family$643.51
Multi Family$1,032.03
Townhome$612.33
Condo$612.33
Duplex$886.03
Home Over 5,000 sq ft$1,232.50
Home Under 5,000 sq ft$661.13

Home Warranty Cost Calculator

Our home warranty cost calculator is designed to help Hawaii estimate the yearly costs of a new home warranty plan. Just type in your monthly premium, the number of service visits you expect, and the service call fee into the tool below. It will then output the complete annual cost of a new home warranty plan.

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

What Are Home Warranty Regulations in Hawaii?

The state of Hawaii does not do all that much to regulate home warranties. However, you can ensure that you choose to get a reputable company by reading reviews, checking with the BBB, and using one of the reputable companies on our list of the best home warranties in Hawaii. 

Resources for Hawaii Homeowners and Home Buyers

  • Hawaii Housing Finance and Development: When it comes to purchasing a home and maintaining it, many financial matters are involved. Without some direction, homeowners often make poor financial decisions. The Hawaii Housing Finance and Development Corporation can ensure that you are getting fair rates on mortgages, closings, refinances, and more. 
  • Homeownership Assistance Hawaii The US Department of Housing and Urban Development can help Hawaii homeowners who are considering purchasing a home. In addition, HUD can help those who are trying to stay in their home after financial trouble. 
  • US Department of Agriculture Rural Development: For Hawaii homeowners that live in more rural areas, the US Department of Agriculture Rural Development can help with single-family loans, education, and much more. If you think you will purchase a home on land that is considered rural, it is worth understanding the help that is available to you. 
  • Kauai Homebuyer Program: The Kauai Homebuyer Program provides loans, down payment assistance, and special assistance to qualified buyers in the Kauai area. Don’t forget to research the specific areas you plan to buy to take advantage of these programs. 
  • Maui Housing Division: With Maui being one of the more popular areas in Hawaii to purchase a home, many people are looking for assistance and special programs. Maui Housing Division aims to keep homeownership more affordable for Maui residents. 

Our Reviews of the Best Hawaii Home Warranty Companies

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage

Liberty Home Guard is the most trustworthy home warranty in the state of Hawaii. The interesting thing about the Liberty Home Guard company is that they have only been on the market for two years. Even after just two years in the industry, they have managed to earn and maintain an A rating from the BBB. This is almost unheard of in the home warranty industry, and LHG should get some credit for it. In addition to their impressive customer service and reputation, the Liberty Home Guard policy gives homeowners a wide range of remarkable coverages to choose from. 

To get a free quote, visit Liberty Home Guard online.
60-day workmanship guarantee
Outstanding customer service
Simple claims process
A rating with the BBB
On the expensive end of plans

There are three Liberty Home Guard plans. The appliance plan, systems plan, and combo plan are the three basic options. You can choose one of these that fits your budget and then customize the plan with the add-on coverages. Liberty Home Guard has one of the most extensive add-on coverage lists in the home warranty industry. LHG averages around $840 annually, making it one of the more expensive options. Its service fee is $75 per claim.

LHG provides some of the most add-on coverage options in the industry. If the plans above don’t meet your needs, you can supplement them with the below options:

  • Pool and spa (no jet or liner coverage)
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection (TVs and computers are separate)
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak coverage
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser (instant hot or cold)

Here’s a detailed look at Liberty Home Guard’s cost options: 

  • Appliance Guard ($64.99/month): As you might have guessed, the Appliance Guard plan covers appliances only and excludes home systems. With this plan, you’ll get protection for your fridge, oven, dishwasher, cooktop exhaust fans, microwaves, ice maker, garbage disposal, washers, dryers, ceiling fans, and garage door openers. This plan is more expensive than most other appliance-only options, but it covers most major appliances.
  • Systems Guard ($69.99/month): The Systems Guard plan is the other basic option, but this one excludes appliances and just covers home systems. It provides protection for heating, plumbing, electrical, and air conditioning systems. This also includes coverage for components like HVAC ductwork, water heaters, bathroom exhaust fans, and toilets.
  • Total Home Guard ($74.99/month): The Total Home Guard plan includes the most coverage and provides the best value from Liberty Home Guard. It’s $5 to $10 more expensive than the other options, and it includes everything in the other plans for total protection.
Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

If you want the most comprehensive overall coverage, we find that American Home Shield offers the best home warranty around. In addition to the usual wear and tear damage, American Home Shield also covers damage from rust, corrosion, sediment and insufficient maintenance of your appliances or systems. If the problem is due to improper installation or repair of the appliances, you’re still covered. With more than 50 years in the home warranty industry, American Home Shield still offers the best service contract on the market.

To get a free quote visit American Home Shield online.
Covers unknown pre-existing conditions
Has been in business since 1971
Covers duplicates of the same appliance
More expensive than average
Has fewer add-on options than other companies

As with many home warranty companies, American Home Shield offers three protection plans. The first, ShieldSilver, covers major systems like heating, cooling, electricity and plumbing. The second, ShieldGold, covers these systems and adds coverage for home appliances like refrigerators, dishwashers and clothes washers and dryers. Finally, ShieldPlatinum covers major systems and appliances, plus roof leaks, HVAC tune-ups and code upgrades.

American Home Shield also offers a few additional coverage options for items that not all homeowners may have. You can purchase coverage for pools/spas, septic pumps, well pumps and guest units of up to 750 sq. ft.

CoverageShieldSilverShieldGoldShieldPlatinum
Roof-leak repairs  
Air conditioner
Heating unit
Ductwork
Built-in exhaust, vent and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor and components
Water heater
Refrigerator 
Range/Cooktop 
Oven 
Dishwasher 
Built-in microwave 
Garbage disposal 
Instant hot/cold water dispenser 
Clothes washer 
Clothes dryer 

Every home warranty requires you to pay a monthly or yearly premium for the length of your service contract. Each time you file a claim, you’ll also pay a deductible or service call fee when a technician comes to your home. These fees are paid directly to the service providers at the time they diagnose or fix the problem.

American Home Shield allows you to customize your service fee with respect to your premium. If you choose a higher deductible, you’ll have a lower premium payment and vice versa. Here’s some sample pricing we were quoted for a 1,400 sq. ft. home in Waianae, HI, on Oahu.

Plan$75 Service Fee$100 Service Fee$125 Service Fee
ShieldSilver$74.99$64.99$59.99
ShieldGold$84.99$74.99$69.99
ShieldPlatinum$104.99$94.99$89.99

American Home Shield offers additional coverage for 11 items, including pools, spas, septic systems, well pumps, and more. These add-ons can fit nearly any budget, and many of these covered items cost less than $20 per month. For instance, you can add roof-leak coverage for just $10 per month.

As mentioned, you get unlimited coverage for your home systems – such as your air conditioner or heating system — and either $2,000 per appliance or $4,000 per appliance if you choose ShieldGold or ShieldPlatinum, respectively.

AHS covers damage caused by normal wear and tear and does not cover damage caused by misuse, lack of maintenance, or poor installation. However, American Home Shield will cover preexisting conditions if the damage was not previously discovered.

As mentioned, you get unlimited coverage for your home systems – such as your air conditioner or heating system — and either $2,000 per appliance or $4,000 per appliance if you choose ShieldGold or ShieldPlatinum, respectively.

AHS covers damage caused by normal wear and tear and does not cover damage caused by misuse, lack of maintenance, or poor installation. However, American Home Shield will cover preexisting conditions if the damage was not previously discovered.

Covers unknown pre-existing conditions
Has been in business since 1971
Covers duplicates of the same appliance
More expensive than average
Has fewer add-on options than other companies
Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!

Choice Home Warranty is the best overall home warranty in the state of Hawaii. Choice Home Warranty has one of the most simple and straightforward contracts in the industry. Choice Home Warranty is a great place to start if you like to keep things simple and know exactly what is covered under your plan. With more than 13 years in the industry, Choice Home Warranty has built a great network of service professionals.

Choice Home Warranty is fairly priced and has very high policy limits or caps. Overall it’s hard for other companies to compete with the all-around great package that Choice Home Warranty brings to the table.

Get a free quote from Choice Home Warranty.

Wide range of coverage
Excellent customer service
Appliances and home systems always covered
Straightforward contracts and limits
Minimal plan customization available

There are only two plans offered by the Choice Home Warranty company. However, the unique thing about these plans is that they are both combo or comprehensive plans. This means that you will get a mix of appliance and system coverage as part of the home warranty plan. In addition, Choice is great about offering add-on coverage for things like a pool or a spa. This helps to ensure that your Hawaii home has all the coverage that you need it to have. The coverage caps are excellent from this company, and the service fee is just $85 per claim.

Here’s a detailed look at Choice Home Warranty’s coverage: 

  • Basic Plan ($42/month): The Basic Plan from Choice Home Warranty is one of the few basic plans in the industry that includes both appliances and home systems. It covers your electrical, plumbing, and heating system, including hot water heaters, HVAC ductwork, and toilets. It also covers ovens, cooktop exhaust fans, dishwashers, microwaves, and garbage disposals. It also includes coverage for garage door openers.
  • Total Plan ($53.33/month): The Total Plan is more comprehensive in its coverage, but it also includes both appliances and home systems. This plan will provide protection for everything in the Basic Plan, plus air conditioners — which is crucial in Hawaii — refrigerators, washers, and dryers. This plan is only slightly more expensive than the basic option and includes more of the coverage that’s needed in Hawaii.

The add-on products for additional coverage are rather limited with Choice Home Warranty, but you opt into added protection for:

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Stand-alone freezer

Choice Home Warranty provides additional coverage for your pool, hot tub, well pump, sump pump, central vacuum, and more. CHW offers good roof leak protection and covers up to $500 to repair holes in your roof.

Choice Home Warranty covers only the cost of repairing home appliances and systems when they fail due to normal wear and tear. If the system or appliance has broken down due to misuse, lack of maintenance, improper installation, or acts of nature, this warranty provider does not cover it.

CHW has a generous coverage cap of $3,000 for all systems and equipment covered under the Basic or Total plans, but add-on items have a coverage cap between $250 and $500 per item. Coverage may differ if you live in California and Georgia, so consult your service contract for the most accurate coverage.

Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

The Select Home Warranty is the most cost-effective home warranty plan for Hawaii residents. Homeownership can be expensive, and if your budget does not have much room to spare, it’s a smart idea to consider the overall costs of the plan you invest in. Select Home Warranty offers tremendous value with its home warranty plans. You will be amazed at home much coverage you get for the price offered. With nearly ten years in the home warranty industry, Select Home Warranty has made a name for itself. They are very strict and restrictive about who they choose to come to your home and make a repair. The workmanship from Select Home Warranty stands out as some of the best in the industry.

Get a free online quote from Select Home Warranty.
Less expensive than many competitors
Every plan covers roof leaks
Great customer service
Many years of experience
Coverage caps are a bit lower than other providers

The Select Home Warranty has a very traditional plan system in place. There are three plans to choose from; one is an appliance plan, one a systems plan, and one a comprehensive plan. The fact that the comprehensive plan is just a few dollars more per month is one of the reasons that many Hawaii homeowners choose this plan. Select Home Warranty gives all Hawaii policyholders free roof leak coverage with the purchase of their plan; however, there is plenty of other add-on options you can attach as well. The annual fee averages around $650, making it one of the more affordable options, and the service fee is well below average at just $60.

Select Home Warranty also provides some add-on options for other things you might want to be covered, including:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer

Here’s a detailed look at Select Home Warranty’s pricing: 

  • Bronze Plan ($52/month): The Bronze Plan is great for homeowners who only want coverage for their appliances, as it excludes all home systems. It provides protection for refrigerators, ranges, ovens, microwaves, washers, dryers, and garbage disposals. It’s more costly than some other basic appliance plans but provides more value by including all major appliances and maintaining low service call fees.
  • Gold Plan ($52/month): The Gold Plan is another basic option from Select Home Warranty, but it covers home systems rather than appliances. You’ll get a warranty for electrical, heating, plumbing, and air conditioning systems, which includes water heaters and HVAC ductwork.
  • Platinum Plan ($57/month): The Platinum Plan combines the Bronze and Gold Plan coverages for more comprehensive protection. This plan covers everything in the other two plan options, plus ceiling fans, plumbing blockages, and garage door openers. At just $5 more per month than the other plans, this is a great deal.
Best for Additional Benefits

AFC Home Warranty

4.3

Our Rating

Limited Time:
$200 off + free roof leak coverage

Hawaii is a truly unique state, with plenty of unique homes and homeowners. If you’d like a little more customization with your home warranty plan, America’s First Choice (AFC) Home Warranty may have exactly what you need. With four plans, three deductible choices, and a long list of additional coverage options, you can create a home warranty plan that covers what you have without having to pay for things you don’t need. You can even choose your own contractor, as long as they receive prior authorization before performing repairs.

To get a free quote visit AFC Home Warranty.
Extends workmanship guarantee through the length of your contract
Lets you lock in rates as long as you renew
Offers free security perks, including identity protection
Requires HVAC coverage maintenance records
Features a $75 cancellation fee 

AFC Home Warranty’s Systems Plan covers home systems, and the Silver Plan covers major appliances. The Gold Plan covers both systems and appliances, plus ductwork, and the Platinum Plan adds coverage for microwaves, ice makers, faucets and plumbing stoppages.

You can add coverage for microwaves or ice makers to the Systems, Silver or Gold Plans for a small extra monthly fee. You can also purchase optional coverage for a tankless water heater, in-ground pool, stand-alone freezer, sump pump, double oven, central vacuum, hot water dispenser, septic system or well pump. If you pay monthly, you can add total electronics coverage for $24.99 a month, too.

 Systems PlanSilver PlanGold PlanPlatinum Plan
Air conditioning 
Heating 
Water heater 
Electrical system 
Plumbing system 
Ductwork 
Clothes dryer 
Clothes washer 
Kitchen refrigerator 
Oven 
Range 
Dishwasher 
Garbage disposal 
Garage door opener 
Built-in microwave   
Ice maker   
Plumbing stoppages   
Faucets

As with American Home Shield, AFC Home Warranty offers service fees of $75, $100 or $125. The following quotes apply to a fee of $100 and a one-year contract. You can lower these prices further by choosing a higher service call fee or a longer contract.

PlanMonthly CostAnnual Cost
System Plan$52.50$560
Silver Plan$43.75$455
Gold Plan$61.25$665
Platinum Plan$67.08$735
For more information, visit our full review of AFC Home Warranty.


How Does a Home Warranty in Hawaii Work?

Securing a home warranty is a relatively straightforward process. You just need to choose the best home warranty provider for your needs, select the plan that covers what you want to be covered and suits your budget, pay for the plan, and wait for coverage to kick in. In most cases, your coverage will begin within 10 to 90 days.

Once you have coverage, the process for getting an issue in your home fixed is as follows:

  • Find an issue with an appliance or home system that is covered by your home warranty
  • File a claim to request service, which involves filling out a claim form on your provider’s website or app or calling the service line
  • Your home warranty company hires a service provider based on your claim
  • You wait for the technician to come to your home to fix the problem
  • You pay a service fee, which usually is around $85, rather than the entire cost of the repair or replacement.

All home warranty companies and plans cover different items and damages, so it’s impossible to say with certainty what your service contract will include. Most home warranty plans cover systems, appliances, or a combination of the two.

If you have a plan that covers major home appliances, chances are you’ll have protection for your refrigerator, oven, dishwasher, microwave, garbage disposal, clothes dryer, washer, and more. If you have a plan that covers systems, some common items include plumbing, heating, cooling, and electrical systems. Some also include minor systems, like smoke alarms, garage door openers, and more.

In addition to the above coverages, most home warranty providers also have add-on options for coverage. Some common add-on products include pools, spas, sprinkler systems, second refrigerators, and more.

Again, every company and every plan is different, so there’s no definitive way to say what your plan will and won’t cover. However, most home warranties exclude pre-existing problems with your home, cosmetic repairs, damages caused intentionally, and damages that result from a lack of maintenance. You should always read your service contract carefully for exclusions so that you’re not caught off guard with out-of-pocket costs that are higher than expected.


Biggest Complaints about Home Warranty Companies in Hawaii

The majority of homeowners who purchase home warranties in Hawaii are pleased with the coverage and service they receive, but there are some complaints that show up more often in customer reviews.

One of the most common issues we see in Hawaii is customers complaining that items they believe should be covered are denied coverage. One reason this happens is that customers aren’t always aware of coverage limitations. Most home warranties come with coverage caps, and some have exclusions, even for covered items. This problem most often arises with air conditioning in Hawaii, where damage from a lack of proper maintenance is often denied. You should always read your service contract completely before signing anything.

On the other hand, some home warranty companies deny coverage against their service contracts as a means to save money. Unfortunately, this can happen with less reputable home warranty providers. It’s important to choose a reliable company for your home warranty needs to avoid this and similar issues.

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

FAQs About Hawaii Home Warranties

How much does a home warranty cost in Hawaii?

Nationwide, a typical home warranty costs between $30 and $75 per month. However, since the cost of living in Hawaii is generally higher, home warranty premiums will also be higher. You’re more likely to pay in the range of $40 to $80 a month, plus any applicable service fees.


Will a home warranty pay to replace my refrigerator?

If you have a home warranty and a covered item breaks down due to wear and tear, your provider will first send a technician to try to repair the problem. If repairs aren’t possible, the company will either send a replacement or cover replacement costs in cash. While you will get the covered item replaced, be aware that it may not be the color or brand you want, and the cash will likely be less than retail value for the item.


How does a home warranty provide peace of mind if I’m buying a home?

Although home repairs are never fun to pay for, they can be especially troublesome for homebuyers just moving into a new place. However, your budget will be protected from breakdowns of covered items due to wear and tear with a real estate home warranty. If the problem falls under the terms of your warranty, you’ll only be responsible for the cost of service fees.


Will a home warranty pay to replace my roof?

Because partial roof replacement is a very expensive undertaking, home warranties don’t cover this feature. However, some home warranties will cover roof leaks, typically those over the inhabited parts of your home. In this instance, a leak over the living room would be covered, whereas a leak over a lanai would not.



Today's Homeowner Home Warranty Ranking Methodology

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can earn the maximum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quote process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
avatar for Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

Learn More

photo of Roxanne Downer

Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

Learn More

Browse by Major Market