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Home Warranty In Hawaii: Comprehensive Guide for 2025

Protecting your home’s systems and appliances is crucial, especially in Hawaii, where unique conditions can damage essential equipment. A home warranty in Hawaii provides homeowners peace of mind and financial security.

Top Home Warranty Providers In Hawaii

#1 RATED COMPANY

Elite Home Warranty

  • Premium
    -
    $44.99 - $59.99
  • Deductible
    -
    $0 & $70
  • Coverage Limit
    -
    $7,000
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Offers
$150 Off + 1 Month Free. 30 Day Free Trial!
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48
States Covered
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Accredited Business
BBB Rating
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$15,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers customizable plans for appliances, systems, and comprehensive options. Add-ons include pools, spas, and septic systems.
  • Price: $44.99 – $59.99 per month.
  • Service Fee: $70 (adjustable based on selected plan).

Why We Picked Elite Home Warranty

Elite Home Warranty is our top choice for Hawaii homeowners due to its highly customizable plans and immediate coverage. This flexibility is significant in Hawaii, where unique environmental factors like humidity and salt air can affect appliances and systems. The ability to adjust service fees and choose coverage tailored to your home’s needs makes Elite a standout provider.
Additionally, Elite Home Warranty strongly emphasizes customer service, offering 24/7 support and fast claims processing. Their commitment to ensuring homeowners receive timely assistance, combined with optional add-ons for pools and spas commonly found in Hawaiian homes, positions Elite as a reliable and trusted choice.

Excellent Services

Home Warranty of America

  • Premium
    -
    $275 - $695
  • Deductible
    -
    $75 - $100
  • Coverage Limit
    -
    $400
Offers
$150 Off + 1 Month Free*
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
  • Price: Monthly plans range from $44 to $60, depending on coverage level.
  • Service Fee: Typically between $75 and $125 per service call.

Why We Picked Home Warranty of America

Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons.

Comprehensive Coverage

The Home Service Club

  • Premium
    -
    $51.25 - $62.50
  • Deductible
    -
    $65,$95,$125
  • Coverage Limit
    -
    $800
Offers
$75 Off + 1 Month Free
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers Standard and Comprehensive plans covering a variety of systems and appliances. Optional add-ons include pest control and water softeners.
  • Price: $50 – $63 per month.
  • Service Fee: $65, $95, or $125, depending on plan selection.

Why We Picked The Home Service Club

The Home Service Club provides excellent coverage options, including plans that cater to unique needs such as pest control. Their comprehensive protection ensures homeowners are covered for routine and unexpected repairs. Hawaii homeowners benefit from their quick claims process, reducing downtime for essential systems and appliances.
Additionally, The Home Service Club’s emphasis on transparency and customer satisfaction makes them trustworthy. Their flexible pricing structure and additional coverage options allow homeowners to customize their plans according to their requirements.

Mike Holmes Protection

  • Premium
    -
    $48-$88
  • Deductible
    -
    $58-$85
  • Coverage Limit
    -
    $3k-$6k/item
Offers
$100 Off + 1 Month Free
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36
States Covered
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Not Accredited
BBB Rating
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$3k-$6k/item
Coverage Limits

Plans, Cost & Coverage

  • Pricing: $48 – $88 per month, with flexible plan options to fit different homeowner needs.
  • Service Fees: Deductible ranges from $58 – $85 per service call, ensuring affordability and quality service.
  • Coverage Limit: Offers protection up to $3,000 – $6,000 per covered item, providing substantial financial relief for repairs and replacements.

Why We Picked Mike Holmes Protection

Mike Holmes Protection stands out for its commitment to quality and homeowner convenience. With virtual assistance, round-the-clock support, and unlimited coverage for home systems, homeowners can rest assured they’ll receive quick and reliable service when needed. The brand’s strong reputation and network of trusted professionals ensure high-quality workmanship for every repair.

Best Customer Support

Liberty Home Guard

  • Premium
    -
    $50 - $60
  • Deductible
    -
    $90
  • Coverage Limit
    -
    $2000
Call Now
Offers
$200 Off + 2 Months Free + Free Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$2K/Item
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Appliance Guard, Systems Guard, and Total Home Guard—covering various home components.
  • Price: Plans start at $49.99 per month.
  • Service Fee: Approximately $90.

Why We Picked Liberty Home Guard

Liberty Home Guard is recognized for its commitment to customer service and providing a hassle-free claims process. Their wide range of coverage options ensures that homeowners can protect essential systems and appliances effectively. Liberty’s strong reputation for reliability and quality repairs makes it an excellent choice for those looking for a provider with proven expertise.

Nationwide Coverage

Regency Total Home Warranty

  • Premium
    -
    $39.99 - $58.90
  • Deductible
    -
    N/A
  • Coverage Limit
    -
    N/A
Call Now
Offers
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Covers essential home systems and appliances, with optional add-ons for pools, septic systems, and second refrigerators.
  • Price: $39.99 per month.
  • Service Fee: $75 per service request.

Why We Picked Regency Total Home Warranty

Regency offers competitively priced plans that cover a wide range of essential home systems and appliances. Their straightforward and transparent policies make them a dependable choice for Hawaii homeowners. Optional add-ons allow for tailored protection, ensuring that specific homeowner needs are met.
Regency’s commitment to customer satisfaction is evident in its prompt claims processing and dedicated support. Homeowners can rely on Regency to provide reliable service and comprehensive coverage, making it an excellent option for protecting their homes.

American Home Shield (AHS)

  • Premium
    -
    $29 - $79
  • Deductible
    -
    $100 & $125
  • Coverage Limit
    -
    $6000
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48
States Covered
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Accredited Business
BBB Rating
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5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers three plans: ShieldSilver (systems), ShieldGold (systems and appliances), and ShieldPlatinum (comprehensive coverage, including roof leaks).
  • Price: $29 – $89 per month.
  • Service Fee: $100 – $125 (adjustable).

Why We Picked American Home Shield (AHS)

American Home Shield is a trusted name in the industry, offering robust coverage options and flexibility in service fees. Their plans cater to different budgets, making it easier for homeowners to find protection that fits their financial and coverage needs. AHS is particularly well-suited for Hawaii’s tropical climate, where HVAC systems are essential and often require repairs or replacements.
Furthermore, AHS has one of the largest contractor networks in the industry, ensuring timely and professional service. Their customizable plans and extensive experience make them a reliable option for Hawaii homeowners who prioritize comprehensive protection and quality service.

America’s First Choice

  • Premium
    -
    $33 - $56
  • Deductible
    -
    $75 - $125
  • Coverage Limit
    -
    N/A
Call Now
Offers
$250 Off + Free Roof Leak Coverage
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50
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: It offers four plans—Silver, Systems, Gold, and Platinum—covering systems, appliances, or both.
  • Price: $33 – $56 per month.
  • Service Fee: $75, $100, or $125, based on preference.

Why We Picked America’s First Choice

AFC Home Club stands out for its flexible coverage options and the unique ability to let homeowners choose their service contractors. This feature is particularly valuable for Hawaii homeowners who may already have trusted local professionals. Additionally, their plans offer comprehensive coverage for systems and appliances, ensuring peace of mind.
Another highlight of AFC Home Club is their lifetime workmanship guarantee, which ensures repairs are done correctly the first time. Their long-term coverage options also allow homeowners to lock in rates, offering financial predictability and protection against rising costs.

First American Home Warranty

  • Premium
    -
    $336 - $534+
  • Deductible
    -
    $85
  • Coverage Limit
    -
    $3,500
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35
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Two plans—Basic and Premier—cover appliances and systems. Optional add-ons include well pumps and pool equipment.
  • Price: $47 – $87 per month.
  • Based on the plan, the Service Fee is $75, $100, or $125.

Why We Picked First American Home Warranty

First American Home Warranty offers robust coverage with no caps on essential systems like HVAC, making it a reliable choice for Hawaii homeowners. Their plans cater to standard and extensive needs, ensuring flexibility and comprehensive protection.
The company is known for its fast claims processing and dedication to resolving issues efficiently. With a strong focus on customer service, First American Home Warranty gives homeowners the confidence to manage unexpected repairs effectively.

ARW Home – American Residential Warranty

  • Premium
    -
    $45 - $84
  • Deductible
    -
    $125
  • Coverage Limit
    -
    N/A
Offers
2 Months FREE* on All Plans
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50
States Covered
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Not Accredited
BBB Rating
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$1K
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Multiple plans covering systems, appliances, and electronics. Optional add-ons include pools, spas, and sump pumps.
  • Price: $45 – $84 per month.
  • Service Fee: $125 per service request.

Why We Picked ARW Home – American Residential Warranty

ARW stands out for its flexibility and wide-ranging coverage options, including electronics protection. This is particularly valuable for Hawaii homeowners who rely on high-tech devices that may be prone to wear and tear in a humid climate. Their plans also include optional add-ons like pool and spa coverage, catering to Hawaii’s lifestyle.
ARW’s 24/7 customer support and nationwide contractor network ensure homeowners receive prompt and reliable service. Their focus on customer satisfaction and flexibility in plan selection makes them a dependable choice for comprehensive home protection.

Cinch Home Services

  • Premium
    -
    $27.99 ,$32.99,$39.99
  • Deductible
    -
    $100, $125, $150
  • Coverage Limit
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    $2,000
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48
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers Appliances, Built-In Systems, and Complete Home plans. Add-ons include pools and septic systems.
  • Price: $27.99 – $61.99 per month.
  • Based on the plan, the Service Fee is $100, $125, or $150.

Why We Picked Cinch Home Services

Cinch Home Services provides one of the most extended workmanship guarantees in the industry, lasting 180 days. This ensures repairs are done right the first time, which is crucial for Hawaii homeowners seeking reliable service.
Their digital tools, such as a claims tracking dashboard, add convenience and transparency to the repair process. Cinch’s focus on customer satisfaction and comprehensive plans make it a dependable option for protecting your home.

2-10 Home Buyers Warranty

  • Premium
    -
    $19,$51,$60
  • Deductible
    -
    $85 - $100
  • Coverage Limit
    -
    $2,000
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44
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Specializes in structural warranties for new homes and systems and appliances for existing homes.
  • Price: $25 – $69 per month.
  • Service Fee: $85, $100, or $125.

Why We Picked 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty is ideal for new home buyers in Hawaii, offering structural coverage that protects against defects in newly constructed homes. Their plans for existing homes also provide robust protection for essential systems and appliances.
The company’s focus on quality service and partnerships with reputable contractors ensure timely and effective repairs. Its dual focus on structural and systems coverage makes it a versatile choice for many homeowners.

Is A Home Warranty Right For You?

Determining whether a home warranty is the right investment for Hawaii homeowners depends on several factors. Given Hawaii’s unique climate, geography, and the specific wear and tear that properties face on the islands, here’s a detailed breakdown to help you decide:

Hawaii’s Unique Challenges

  1. Salt Air Corrosion: Hawaii’s tropical climate and proximity to the ocean mean appliances and home systems are more prone to rust and corrosion. HVAC systems, refrigerators, and plumbing components can degrade faster, making repairs or replacements more frequent. A home warranty can help cover these costs.
  2. High Cost of Living: Labor and parts in Hawaii are typically more expensive due to shipping costs and availability. A home warranty could offset these costs significantly, especially for extensive repairs.
  3. Aging Homes: Many homes in Hawaii were built decades ago. Aging electrical systems, plumbing, or roofing can lead to unexpected breakdowns, which a warranty can help address.
  4. Year-Round Use of Systems: With Hawaii’s warm climate, systems like air conditioning or water heaters tend to be used all year round, increasing wear and tear.

Benefits Of A Home Warranty in Hawaii

When A Home Warranty Might Not Be Worth It

  1. New Homes or Appliances: A home warranty might be redundant in the short term if your home and appliances are new and come with manufacturer warranties.
  2. Limited Coverage Plans: Some warranties may not cover issues caused by salt air corrosion or other climate-specific problems unless explicitly stated. Always read the fine print.
  3. Self-Insurance: Homeowners who set aside savings for repairs may prefer handling repairs without involving a third party.

How To Choose the Right Home Warranty For Hawaii

  1. Research Local Providers: Look for companies that understand Hawaii’s unique needs and offer coverage for salt damage, tropical conditions, and labor shortages.
  2. Compare Plans: Review the features of different warranty plans, focusing on high-use systems like air conditioners, water heaters, and plumbing.
  3. Customer Reviews: Review reviews from other Hawaii homeowners to gauge the provider’s reliability.

Is a Home Warranty Worth the Cost in Hawaii?

Deciding whether a home warranty is worth the investment in Hawaii requires a cost-benefit analysis that considers the state’s unique living conditions and the needs of your home. Here’s a closer look at the factors that influence the value of a home warranty for Hawaii homeowners:

Understanding The Costs

The average cost of a home warranty in Hawaii ranges from $300 to $800 annually, depending on the provider, the level of coverage, and the size of your home. There’s typically a service fee of $50 to $150 for each repair or claim. While these costs may seem high, they could pale in comparison to the price of significant repairs, which tend to be more expensive in Hawaii due to:

What’s Covered In Hawaii

Most home warranty plans cover significant systems and appliances, but it’s essential to review whether your provider includes protection against issues common in Hawaii, such as:

Potential Savings With A Home Warranty

Here are some examples of repair costs without a warranty compared to the average service fee with one:

The savings can add up quickly for homeowners facing multiple repairs or replacements in a year.

When A Home Warranty Makes Sense

A home warranty is likely worth the cost in Hawaii if:

  1. You Own an Older Home: Aging systems and appliances are more prone to failure.
  2. You’re a New Homeowner: A home warranty provides peace of mind if you’re unfamiliar with Hawaii’s maintenance challenges.
  3. Your Home Is Near the Coast: Properties closer to the ocean are more susceptible to salt air corrosion.
  4. You Want Budget Predictability: A fixed annual fee and service charges help avoid unexpected, high repair bills.

When A Home Warranty Might Not Be Worth It

  1. New Builds or Recently Renovated Homes: Manufacturer warranties or new systems may provide sufficient protection.
  2. Limited Coverage: The warranty may not provide enough value if a provider excludes common Hawaii-related issues like salt or humidity damage.
  3. DIY Expertise: If you’re handy with repairs, you might prefer to save the warranty cost and handle issues independently.

Tips To Maximize Value

  1. Choose Comprehensive Plans: Look for plans that cover HVAC, plumbing, electrical systems, and high-use appliances.
  2. Understand Exclusions: Read the fine print for exclusions related to Hawaii’s environmental factors.

Research Local Providers: Some providers offer tailored plans for Hawaii homeowners, which can be more effective than generic national warranties.

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Who Oversees Home Warranty Companies In Hawaii?

In Hawaii, home warranty companies are regulated to ensure they operate fairly, transparently, and in the best interest of consumers. Understanding who oversees these companies and how they are controlled can help homeowners make informed decisions when selecting a provider.

Regulatory Authority

Home warranty companies in Hawaii fall under the jurisdiction of the Hawaii Department of Commerce and Consumer Affairs (DCCA). Within the DCCA, the following divisions play a role in oversight:

  1. Insurance Division:
    • Some home warranties are classified as insurance products. In such cases, the Insurance Division ensures these companies comply with state insurance laws, including licensing and financial solvency requirements.
    • The division also handles complaints about deceptive practices, unfair claim denials, and other issues.
  2. Consumer Protection Division:
    • The Consumer Protection Division addresses complaints and ensures home warranty companies follow Hawaii’s Unfair and Deceptive Practices Act.
    • This includes ensuring companies provide clear contract terms, fair cancellation policies, and accurate marketing information.

Licensing Requirements

Home warranty providers must be registered and licensed to operate in Hawaii. This process includes:

Homeowners can verify a home warranty provider’s licensing status by visiting the DCCA Business Registration Division website or contacting the department directly.

Consumer Protections In Hawaii

Hawaii law includes several protections for homeowners purchasing a home warranty:

  1. Transparency of Contract Terms:
    Home warranty providers must clearly outline coverage, exclusions, and limitations in their contracts.
  2. Right to Cancel:
    Homeowners are typically entitled to cancel their home warranty within a specified period (often 30 days) for a full refund as long as no claims have been made.
  3. Fair Claims Processing:
    The state requires providers to process claims promptly and fairly. Unjustified claim denials can be challenged through regulatory bodies or legal action.

How To File A Complaint

If you encounter issues with a home warranty provider in Hawaii, you can take the following steps:

  1. Contact the Provider: Begin by addressing the issue directly with the home warranty company. Many problems can be resolved through their customer service.
  2. File a Complaint with the DCCA:
    • Visit the Hawaii DCCA website to submit a formal complaint.
    • Provide documentation, including your warranty contract, correspondence, and denied claims.
  3. Seek Mediation or Legal Action: Mediation or small claims court may be an option for unresolved disputes.

National Oversight

In addition to state oversight, national organizations like the National Home Service Contract Association (NHSCA) monitor some home warranty companies. While membership in such organizations is voluntary, it demonstrates a commitment to ethical business practices and industry standards.

Why Oversight Matters

Proper oversight protects homeowners from fraudulent or unreliable warranty companies. It ensures that providers meet their contractual obligations and maintain transparency in their operations. When selecting a home warranty company, always choose a licensed provider with a strong reputation for customer service and fair business practices.

Conclusion: Why A Home Warranty is Essential In Hawaii

A home warranty can be a valuable investment for Hawaii homeowners, offering protection against the unique challenges of the island climate, such as salt air corrosion, high humidity, and the wear and tear from year-round use of home systems. With the high cost of repairs and labor in Hawaii, a warranty provides budget predictability and peace of mind, ensuring your home remains functional and well-maintained.

By choosing a reputable, licensed provider and selecting a plan tailored to Hawaii’s needs, you can protect your home, save on unexpected expenses, and focus on enjoying the island lifestyle without the stress of costly repairs.