Best Home Warranty Companies in Louisiana
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Louisiana’s heat and heavy rainfall make maintaining appliances and certain home systems difficult. A reliable home warranty company can help ensure your most important items and systems are in tip-top condition for the summer months.
Our team created this guide to help you find the right home warranty provider for your Louisiana home. We based our picks on plan options, pricing, customer service, data gathered from surveys, and company research.
Key Takeaways
5 Best Home Warranty Companies in Louisiana
The following is a list of Louisiana’s highest-rated home warranty companies based on our in-depth methodology:
Louisiana Home Warranty Comparison Table
We compared the top home warranty companies in Louisiana below. Our team obtained monthly cost figures by calculating the national average for each of the companies featured. Your monthly premium may differ based on your home’s size, location, your chosen plan, and coverage add-ons. To receive the most accurate pricing, we recommend pulling a quote directly from the company you’re considering.
| Best For | Monthly Cost in LA | Service Fee | Response Time | BBB Rating | Link | ||
|---|---|---|---|---|---|---|---|
| Liberty Home Guard | | Best Customer Ratings | $49–$59 | $65–$125 | Up to 48 hours | NR | VISIT SITE |
| American Home Shield | | Best for Comprehensive Coverage | $89–$149 | $100–$125 | Up to 48 hours | B | VISIT SITE |
| Elite Home Warranty |  | Best for Flexible Coverage | $44–$58 | $70 | Up to 48 hours | A+ | VISIT SITE |
| Select Home Warranty |  | Best Value | $44–$47 | $60–$75 | 48-84 hours | B- | VISIT SITE |
| AFC Home Warranty |  | Best for Customization | $34–$92 | $75–$125 | 24-48 hours | B | VISIT SITE |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Best For | Best Customer Ratings |
| Monthly Cost in LA | $49–$59 |
| Service Fee | $65–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | NR |
| American Home Shield | |
|---|---|
| Logo |
 |
| Best For | Best for Comprehensive Coverage |
| Monthly Cost in LA | $89–$149 |
| Service Fee | $100–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | B |
| Elite Home Warranty | |
|---|---|
| Logo |
|
| Best For | Best for Flexible Coverage |
| Monthly Cost in LA | $44–$58 |
| Service Fee | $70 |
| Response Time | Up to 48 hours |
| BBB Rating | A+ |
| Select Home Warranty | |
|---|---|
| Logo |
|
| Best For | Best Value |
| Monthly Cost in LA | $44–$47 |
| Service Fee | $60–$75 |
| Response Time | 48-84 hours |
| BBB Rating | B- |
| AFC Home Warranty | |
|---|---|
| Logo |
|
| Best For | Best for Customization |
| Monthly Cost in LA | $34–$92 |
| Service Fee | $75–$125 |
| Response Time | 24-48 hours |
| BBB Rating | B |
| Company | BBB Rating | Monthly Cost in LA | Service Fee | Visit Site |
|---|---|---|---|---|
| NR | $49–$59 | $65–$125 | VISIT SITE | |
| B | $89–$149 | $100–$125 | VISIT SITE | |
| A+ | $44–$58 | $70 | VISIT SITE | |
| B- | $44–$47 | $60–$75 | VISIT SITE | |
| B | $34–$92 | $75–$125 | VISIT SITE |
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,021-square-foot, single-family home in Baton Rouge, Louisiana. Your pricing may vary depending on your home’s location, size, type, and plan selections.
Reviews of Louisiana Home Warranty Companies
Liberty Home Guard
Best Customer Ratings
American Home Shield
Best for Comprehensive Coverage
Elite Home Warranty
Best for Flexible Coverage
Select Home Warranty
Best Value
AFC Home Warranty
Best for Customization
How Are Home Warranties Regulated in Louisiana?
The Louisiana Department of Insurance (DOI) is the governing body that regulates home warranties in the state. Our research shows that Lousiana’s Revised Statutes 51:3141–51:3146 outline the requirements home warranty companies must follow. For example, home warranty companies must file various reports and paperwork with the Insurance Commission before selling coverage plans. These regulations ensure that only reputable companies that can fulfill their financial obligations operate within Louisiana.
In addition to government oversight, industry associations oversee home warranty regulation. For instance, the Service Contract Industry Council (SCIC) crafts laws and regulations alongside state lawmakers nationwide. These laws provide necessary protections for consumers while keeping service contract companies’ best interests in mind.
Louisiana Home Warranty Costs
The average cost of a home warranty in Louisiana is $54 per month or $648 each year. The cost of a home warranty largely depends on the type of coverage plan you choose and the extent of your coverage limits.
Local labor rates in your Louisiana city could also affect your premium. Since most companies source service technicians for you, the company could offset expensive technician fees by charging higher premiums.
Annual Home Warranty Cost Calculator
We created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers since annual costs and service fees vary between them.
| 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 |
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost. Annual costs and service fees vary based on plan selections and your home’s size, type, and location.
Do Home Warranties Cover Roof Leaks?
According to the Southern Regional Climate Center, Louisiana received between 35 and 80 inches of rain from September 2022 to September 2023. Due to the likelihood of significant rainfall in the state, a home warranty may be worthwhile to offset the cost of a potential roof leak.
Most home warranty companies offer roof-leak protection as an add-on, meaning you’ll pay a bit extra per month for roof-leak protection. Note that home warranty companies only cover leak damage—they don’t cover other types of roof damage, such as torn shingles. A homeowners insurance policy, however, will cover roof damage caused by a covered incident.
Expert Takes on Home Warranties
We spoke with experts across multiple industries about home warranties and asked them common questions homeowners have about these policies. Here is what they had to say:
- How do I know if a Louisiana home warranty company is reputable? Peter Evering, a business development manager for Utopia Property Management, said, “Reading customer reviews and ratings can provide insights into the experiences of other homeowners and help you gauge the level of customer satisfaction.”
- What should I know before buying a Louisiana home warranty? David Tully, founder of LPT Realty, said, “You need to understand how to file a claim to your provider and how quickly you can expect a response from them. Also, get to know the turnaround time they would take for the repairs and replacements.”
- Why should I buy a Louisiana home warranty? According to Marcus Fernandez, attorney and co-owner of Kinney, Fernandez, and Boire Law, combining a home warranty with your homeowners insurance coverage can yield protection for many incidents your home may experience. “They go beyond what your homeowners insurance covers by catering to the inevitable wear and tear of home systems and appliances, which typically isn’t covered by insurance.”
What Is the Louisiana New Home Warranty Act?
The Louisiana New Home Warranty Act is a law requiring builders to provide warranties on newly constructed homes. In the 1980s, the Louisiana legislature enacted the law to protect residents buying newly built homes. The law states that builders of newly constructed homes must ensure that they’re free of certain defects for up to five years.
If a homebuyer finds a defect within that time frame, they must notify the builder and give them time to make necessary repairs. If the builder fails to make repairs, the homebuyer can take them to court.
What’s Covered by a Louisiana Home Warranty?
A Louisiana home warranty protects major home systems and appliances such as your water heater, air conditioning, ceiling fans, and garbage disposals. Most home warranty providers offer individual plans for systems and appliances and a combination plan for both. Companies may also provide add-on options for items such as a second refrigerator, pool, or well pump.
Our Conclusion
Liberty Home Guard is our top choice for Louisiana homeowners due to its 30-plus unique add-on coverage options and high customer ratings. We also recommend American Home Shield for its comprehensive plan options with high coverage caps. Select Home Warranty is another worthy choice for homeowners on a budget.
No matter where you live in Louisiana, we encourage you to get a quote from each of the providers in this article. Plan pricing will vary by region, coverage type, and home square footage.
Other Resources for Louisiana Residents
FAQ About Louisiana Home Warranties
What other home warranty companies are available in Louisiana?
While Liberty Home Guard, American Home Shield, and Elite Home Warranty are our top picks for Louisiana residents, it’s also worth considering the Home Service Club and AFC Home Warranty. If you prefer a smaller home warranty company for a more personalized experience, consider Old Republic Home Protection.
Does a home warranty cover flood damage?
No, home warranties and most home insurance policies don’t cover weather-related flood damage to your home. If you live in a flood-prone part of Louisiana, we recommend purchasing flood insurance from a provider listed in the Federal Emergency Management Agency (FEMA) National Flood Insurance Program directory.
How much does a home warranty cost in Louisiana?
A home warranty in Louisiana can cost $29–$90 per month not including your service call fee, based on the quotes we requested for a single-family home in Baton Rouge. Your monthly premium may differ based on your home’s size and type, location, plan, and coverage add-ons.
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies across Louisiana’s top cities.
Find Home Warranties in Louisiana
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
