Best Home Warranty Companies in Hawaii (2024)

By Jesus Sanchez Garcia Updated December 19, 2023

All products and services featured are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

Hawaii is home to year-round sunshine, but the state sees its fair share of rain. Your home’s roof can wear down over time, leading to inconvenient leaks. A home warranty offers roof-leak protection and covers essential home systems and appliances. Our team compared the best home warranty companies in the United States and selected the top two providers available in the Aloha State.



Top Home Warranty Companies in Hawaii

Each company we reviewed offers multiple coverage options, competitive pricing, and solid reputability. We recommend the following home warranty companies in Hawaii:

The cost data in this article is a national average based on the 120 sample quotes we requested for homes across the country. Your cost may vary based on your home’s size and type, your location, and your coverage selections.



Compare Hawaii’s Top Home Warranty Companies

Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
Best Add-On Variety
Flexible Coverage
Best Budget Coverage
Best for Systems Coverage
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$40–$80 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49–$60 $65–$125 NR VISIT SITE
Elite Home Warranty Elite Home Warranty
$55–$75 $70 A+ VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B VISIT SITE
First American Home Warranty First American Home Warranty
$45–$70 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $40–$80
Service Fee $100–$125
BBB Rating B
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating NR
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost $55–$75
Service Fee $70
BBB Rating A+
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $45–$70
Service Fee $75–$125
BBB Rating B

Liberty Home Guard

Liberty Home Guard

Best Add-On Variety
Monthly Cost : $49–$60 Service Fee : $65–$125 BBB Rating : NR

Why We Chose Liberty Home Guard

We chose Liberty Home Guard (LHG) because it’s a great option for homeowners who want more unique coverage from their home warranty. LHG’s extensive list of add-on options expands your protection for potential home repairs to include items such as pools, spas, water softeners, plumbing fixtures, and pest control.

Benefits and Drawbacks


➕ Unique coverage: LHG offers provides 38 add-on options, such as pool coverage

➕ Customer service chat: LHG has 24/7 live-chat feature built into their website to easily connect you with a representative if you have questions or concerns

➕ Workmanship guarantee: LHG re-services all completed repairs and replacements within 60 days at no additional charge


➖ Cloudy service call fees: LHG excludes its service call fee pricing when you pull a quote

➖ Workmanship guarantee limits: LHG excludes its workmanship guarantee on repairs made by service providers outside its network

Plans, Pricing, and Availability

Liberty Home Guard (LHG) offers three coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. Plans typically cost $600–$720 annually with service fees of $65–$125 per visit. Based on our conversation with a representative, LHG will assign a service fee to your account. It considers the location of your home, plan selection, and any additional coverage options you select when choosing your service call fee. Additionally, you can ask a representative about your service call fee during the quote process or review your assigned fee via your online portal after you sign up. Here is a coverage and pricing breakdown for LHG plans:

  • Appliance Guard ($49.99 per month): Covers home appliances, including your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling and exhaust fans, and garage door openers
  • Systems Guard ($54.99 per month): Covers home systems, such as your air conditioning system, heating system, ductwork, plumbing system, electrical system, and water heater
  • Total Home Guard ($59.99 per month): Bundles the coverage of the appliance and systems plans into one comprehensive package
  • Add-ons: Liberty Home Guard offers up to 38 additional coverage options, including carpet cleaning, guest units, gutter cleaning, lawn sprinkler systems, pro-series appliances, saltwater pools, and reverse osmosis systems. You can add any add-on to the plan options above

Coverage Caps and Exclusions

Liberty Home Guard lists its coverage caps and exclusions in its fine print. A few to note include the following:

  • Appliances: Up to $2,000 per item
  • Major systems: Up to $2,000 per item
  • Electrical and plumbing: $500 per item and $250 within the first 90 days of your policy
  • Add-ons: $500 per item $250 within the first 90 days of your policy

Liberty Home Guard excludes preexisting conditions or damage that results from improper installation or modification.

Liberty Home Guard Reviews

Liberty Home Guard holds an A+ rating from the BBB. Through our research, we found that LHG customers enjoyed the claims experience due to its user-friendliness and quick over-the-phone service. One negative is that some customers noted LHG does not cover labor costs when a technician completes a repair.

Get a quick quote: Visit Liberty Home Guard’s site

Read more: Liberty Home Guard Review



Select Home Warranty

Select Home Warranty

Best Budget Coverage
Monthly Cost : $44–$48 Service Fee : $65–$75 BBB Rating : B

Why We Chose Select Home Warranty

We chose Select Home Warranty due to its unique inclusion of roof-leak protection with every coverage plan. Its base plans offer basic coverage for your home systems and appliances at an affordable price point. However, its coverage caps are significantly lower than many other home warranty providers.

Benefits and Drawbacks


Roof-leak coverage: All of Select’s plans include up to $400 in roof-leak coverage

Generous HVAC coverage: Select provides a $3,000 coverage cap for air conditioning and heating systems

Annual discounts: Select provides two extra months of coverage when you pay annually


Low coverage caps: Select limits appliances to $500 per claim–lower than other competitors

Fewer add-ons: Select provides limited add-on options compared to other providers

Service call fee per claim: Select charges a service call fee per filed claim, meaning you could be charged twice if you have multiple issues to address during a technician’s visit

Plans, Pricing, and Availability

Select Home Warranty offers three protection plans: Bronze Care, Gold Care, and Platinum Care. Its standout feature is the inclusion of limited roof-leak coverage. Select covers up to $400 with all plan tiers. Plans cost between $533–$573 annually, with a service fee of $60–$75 per claim. A Select representative we spoke with stated Select will grant you a lower service call fee if you sign-up over the phone.

More than 50% of the Trustpilot reviews we read rated Select Home Warranty four stars or higher. Many reviewers appreciated how easy it was to sign up for coverage. One customer mentioned that Select’s representative explained its coverage clearly and concisely. However, other customer reviews we read lamented Select’s inconsistent customer service. Down below is a coverage and pricing breakdown for Select’s protection plans:

  • Bronze Care ($44.42 per month): Includes coverage for your home’s appliances, including your clothes washer, clothes dryer, garbage disposal, refrigerator, stove, oven, built-in microwave oven, cooktop, and dishwasher
  • Gold Care ($44.42 per month): Protects built-in systems, such as your air conditioning system, heating system, plumbing system, electrical system, water heater, and ductwork
  • Platinum Care ($47.75 per month): Covers everything in the Bronze Care and Gold Care plans, plus garage door openers and ceiling fans
  • Add-ons: Central vacuum, lawn sprinkler system, pool, septic system, spa, stand-alone freezer, sump pump, well pump

Coverage Caps and Exclusions

Select Home Warranty’s coverage caps are lower for appliances and select systems. We outlined notable coverage caps below:

  • Appliances: Covered up to $500 per appliance
  • Air conditioning, heating, and HVAC: Covered up to $3,000 per plan term
  • Electrical and plumbing: Covered up to $500 per covered item
  • Roof-leak coverage and other add-ons: Up to $400 per covered item
  • General exclusions: Only covers systems and appliances in a single-family dwelling, individual condominium units, townhouses, and modular homes. Monthly premiums may vary. It only covers systems and appliances properly and permanently installed and located within the living area of the home. Excludes coverage for systems or appliances in commercial properties or residential properties used for business purposes. Also excludes preexisting conditions

Select Home Warranty Reviews

Select Home Warranty holds a B- BBB rating. We looked through more than 1,000 Google and Trustpilot Reviews from existing customers. We found many customers enjoyed Select’s knowledgeable service providers. Others, however, disliked the difficulty to connect with a representative when filing a claim or making changes to their home warranty plan.

Get a quick quote: Visit Select Home Warranty’s site

Read more: Select Home Warranty Review



Home Warranty Regulations in Hawaii

Hawaii’s Department of Commerce and Consumer Affairs oversees home warranties through the Regulated Industries Complaints Office (RICO). Under Hawaii Statute §§ 481X-1 to 481X-12, home warranty companies must keep detailed records of each service contract sale they make. In addition, companies must provide consumers with a clear sample contract that outlines exact coverage terms.

Home warranties also self-regulate through the National Home Service Contract Association (NHSCA). The NHSCA is a nonprofit industry organization consisting of member companies that follow fair business practices.

Arthur Chartrand, who is of counsel to the NHSCA, recommends noting who you speak with and the date each time you submit a claim with your provider. He emphasizes the importance of noting representatives’ names so you can quickly escalate an issue with your provider if they become unresponsive.



How to Make the Most of Your Home Warranty

Home warranties may seem confusing. Take the following steps to make the most of your home warranty plan:

We suggest carefully reading your sample contract to ensure you fully benefit from your home warranty. Understanding what items are covered, the claims process, and exclusions and limitations can reduce denied claims.



Our Recommendation

A home warranty can help maintain your Hawaii home’s major systems and appliances whenever a normal wear-and-tear breakdown occurs. Home warranties also connect you with reputable service providers. Liberty Home Guard is our top pick in Hawaii due to its large suite of add-ons and 60-day workmanship guarantee. We also recommend Select Home Warranty because each plan includes limited roof-leak protection. We suggest requesting quotes from different providers to compare costs and coverage options.



Hawaii Home Warranty Companies FAQ

What is usually covered by a home warranty?

Major appliances and systems such as dishwashers and air conditioners are usually covered by a home warranty. Other typically covered items include clothes washers and dryers, heating systems, microwave ovens, plumbing, refrigerators, and water heaters.

How do I avoid a home warranty claim denial?

There are several ways to avoid a claim denial from your home warranty provider:Conduct regular inspections of your systems and appliances.Keep track of all maintenance documents. Perform routine maintenance.Read your sample contract.

What is a preexisting condition?

A preexisting condition is a breakdown or issue that a home system or appliance experienced before home warranty coverage began. Many providers do not cover preexisting conditions; therefore, you should purchase a home warranty policy while all your systems and appliances work for complete protection.

How long does a home warranty last after purchasing a plan?

Home warranties typically last 12 months after purchasing a coverage plan. Some providers allow you to purchase multiyear policies. Multiyear policies often include a price discount or additional months of coverage included.



How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.