Home Warranty Companies in Hawaii
2026 State Guide
Our data lists 13 of the 15 companies we track as serving Hawaii. Old Republic Home Protection ranks first among them at 8.4 out of 10. Hawai'i has warmed about 2 degrees F since 1950 with a sharp rise in the last decade, and Honolulu has warmed 2.6 degrees F over that span.
Companies Available
13
of 15 tracked
Top 3 Picks From
$44
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
Hawaii Insurance Division
Service contract law
Hawaii State Snapshot
Housing units
574,520
Owner-occupied rate
63% (US 65.2%)
Median home value
$839,100
Primary HVAC risk
Cooling (our reading)
Companies listed
13 of 15 tracked
Regulatory body
Hawaii Insurance Division
63% of Hawaii homes are owner-occupied, below the 65.2% national rate, and the median owner-occupied home is worth $839,100, 152% higher than the national median of $332,700.
Source: Census Bureau QuickFacts for Hawaii. Census Bureau QuickFacts: housing units are the July 1, 2025 estimate; owner-occupied rate and median value are 2020-2024 American Community Survey 5-year estimates.
In Hawaii's largest city, Urban Honolulu (census designated place), 48.9% of homes are owner-occupied and the median owner-occupied home is worth $843,400.
Source: Census Bureau QuickFacts for Urban Honolulu (census designated place), 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
Hawaii's climate puts cooling under strain, in our reading
Hawai'i has warmed about 2 degrees F since 1950 with a sharp rise in the last decade, and Honolulu has warmed 2.6 degrees F over that span. Annual rainfall has declined across the islands since the early 1980s, and Hilo has seen the largest drop, 14 inches since 1950. Wet windward slopes are expected to get wetter and dry leeward areas drier.
Air conditioning does most of the work here, so the cooling side of the HVAC cap is the number to check.
Source: NOAA NCEI State Climate Summary for Hawaii (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Hawaii estimate. 13 of 15 tracked companies serve Hawaii in our data; "Likely" and "Check" rows are not verified for Hawaii.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | HI |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Yes |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Yes |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Yes |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Check |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Yes |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Yes |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Yes |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Yes |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Hawaii
Highest overall score among companies that serve Hawaii, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Hawaii
Our data lists First American Home Warranty as not serving Hawaii. It serves 35 states per our research.
Check availability: HSA Home Warranty
These companies serve only some states and we have not verified Hawaii. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Hawaii Regulates Home Warranties
Regulator
Hawaii Insurance Division (Department of Commerce and Consumer Affairs)
Legal framework
Service contract registration (Hawaii Revised Statutes Chapter 481X)
Hawaii has a service contract law, Chapter 481X of the Hawaii Revised Statutes, that covers registration, financial responsibility, required disclosures and refunds, and the administrative rules set provider registrations to expire each July 15 unless renewed. The 2000 act that created the framework excludes express or implied warranties and maintenance agreements, so we could not confirm how a home warranty is classified. Ask the Insurance Division whether a company is registered.
Type of rules: General service contract law. A service contract law with registration, bonding or disclosure rules. Whether it reaches a particular home warranty plan was not confirmed.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Hawaii Legislature: Act 221 (2000), the service contract law
- Hawaii Revised Statutes Chapter 481X (Justia mirror)
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Hawaii Homeowners
Check the company's registration
Hawaii regulates service contracts under a general law with registration, bonding or disclosure rules, and we could not confirm how it applies to every home warranty plan. Ask the Hawaii Insurance Division whether the company is registered.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, Old Republic Home Protection, has an HVAC cap of $6,500/unit; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
1 companies in our data serve only some states and are marked "check availability" for Hawaii. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Hawaii
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Hawaii's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Hawaii Office of Consumer Protection: complaint form and instructions (2020)
The Office of Consumer Protection handles complaints about products and services not otherwise regulated by the state, such as retail merchandise, mail order purchases, health clubs and door-to-door sales. The copy of the form we found dates from 2020, so confirm it is current.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Hawaii
Which home warranty companies serve Hawaii?
What is the best home warranty company in Hawaii?
Which home warranty plan has the highest HVAC coverage in Hawaii?
How much does a home warranty cost in Hawaii?
How does Hawaii's climate affect which plan to buy?
Where do I file a home warranty complaint in Hawaii?
How are home warranties regulated in Hawaii?
Compare All Hawaii-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Hawaii, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.