Our team selected American Home Shield as the best home warranty company for Louisiana residents. It offers comprehensive coverage, including rare options for items with pre-existing damage or issues. We also recommend Choice Home Warranty for its affordable, comprehensive plans priced below $70, making it a good option for budget-conscious homeowners.
Louisiana’s intense heat and heavy rainfall can make maintaining appliances and home systems challenging. A reliable home warranty provider helps keep your essential systems and appliances in good condition, especially during the hot summer months. After reviewing and scoring 13 top home warranty providers, we identified the best options for Louisiana homeowners. Read on to explore our complete list of the best home warranty providers in the state.
Key Takeaways
- We chose American Home Shield as Louisiana’s top home warranty company, reflecting our 2025 survey results, in which 31% of residents also selected the provider.
- The average Louisiana home warranty typically costs $38–$84 per month, or about $444–$985 annually.
- According to our survey of 2,000 home warranty customers nationwide, nearly 59% of Louisiana residents chose home warranties to protect their air conditioning system.
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:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
Compare Louisiana Home Warranty Companies
We compared the top home warranty companies in Louisiana below based on key factors to consider when choosing a provider, including monthly costs and Better Business Bureau (BBB) ratings.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
A+ | $57–$68 | $65–$125 | ||
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $44–$82 | $75–$125 |
Reviews of Louisiana Home Warranty Companies
Below are detailed reviews for our top home warranty picks for Louisiana homeowners.
American Home Shield
Company Overview
American Home Shield (AHS) is one of the most experienced home warranty providers, with close to 50 years in the business. The company offers three coverage plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver plan protects various major systems, while ShieldGold covers systems and major home appliances. The ShieldPlatinum plan includes coverage for all ShieldGold items, plus an increased $4,000 coverage cap for appliances.
Customers can choose between a service fee of $100 or $125—the cheaper the service fee, the more expensive your monthly premium. While pulling our quote, we discovered that the company only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.
Why We Chose American Home Shield
The company stands out for its generous coverage limits and comprehensive protection for key home items. It also covers several things other companies don’t, such as rust damage, improper installations, and unknown preexisting conditions.
We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per item in the ShieldPlatinum plan.
American Home Shield’s coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.
Pros and Cons
Pros
- Covers items with preexisting damage
- Offers rust, corrosion, and sediment damage coverage
- Provides high coverage limits of up to $4,000 for appliances and $5,000 for systems
Cons
- Doesn’t have an appliance-only plan
- Offers fewer add-ons than its competitors
Plans and Pricing
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($30 per month): Covers home systems, such as HVAC, ductwork, and electrical
- ShieldGold ($40 per month): Covers major systems and appliances, such as clothes washers, dryers, garbage disposals, and plumbing
- ShieldPlatinum ($110 per month): Includes ShieldGold coverage and adds additional benefits, such as $1,000 for roof-leak repairs
- Optional add-ons: Up to six options such as electronics, pools, guest units, septic pumps, and well pumps
Choice Home Warranty
Company Overview
Choice Home Warranty offers up to $3,000 in air conditioning coverage under its plans, providing ample protection for costly repairs and replacements in Louisiana. The company offers comprehensive coverage for both systems and appliances, priced under $70, making it more affordable than other providers we’ve reviewed, including American Home Shield.
Why We Chose Select Home Warranty
Choice Home Warranty is an affordable coverage option, with all plans priced under $70 per month. What sets the company apart is its consistent $3,000 coverage limit for most items, unlike many home warranty companies that vary caps between different items. These consistent limits can help provide greater clarity and security for homeowners.
Pros and Cons
Pros
- Includes a 90-day guaratee on parts and 60 days for labor
- Offers comprehensive coverage plans priced below $70 per month
- Provides $3,000 coverage caps for most items
Cons
- Currently involved in an ongoing legal case with the Arizona Attorney General
- Doesn’t offer service call fee flexibility
Plans and Pricing
After reviewing Choice Home Warranty’s sample contract, we found the Basic Plan excludes coverage for certain items, including air conditioning, laundry appliances, and refrigerators. Other providers on our list include these key items in their basic coverage. With Choice, you must upgrade to a more expensive plan to receive protection for these systems and appliances.
Choice Home Warranty offers both monthly and annual premium options, but charges a processing fee for monthly billing. The company also has a $100 service call fee for repairs, without offering additional options for customization. This limits flexibility in adjusting costs or benefiting from a higher service call fee in exchange for lower monthly rates.
Here are more details about Choice Home Warranty’s plans:
- Basic Plan ($59 per month): Covers 14 appliances and systems, such as garbage disposals, electrical systems, and cooktops
- Total Plan ($67 per month): Covers 18 items, air conditioning, clothes washers, clothes dryers, and refrigerators
- Optional add-ons: Up to 10 add-ons, such as central vacuums, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps
Elite Home Warranty
Company Overview
Elite Home Warranty stands out with its fully customizable plan and extensive add-on catalog featuring 30 options. Unlike other top providers with set plans, Elite offers flexibility through its “Customize Your Own” option, allowing you to select only the appliances and systems you want covered and helping you avoid unnecessary costs.
When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This means once you reach this limit for claims payments, the provider will no longer cover additional repairs or replacements for the remainder of the contract year. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Provides 30 add-on options for better customization
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technician
Plans and Pricing
We’ve broken down Elite Home Warranty’s coverage plans and costs below:
- Elite Appliances ($45 per month): Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems ($50 per month): Covers eight home systems, such as air conditioning, heating, and electrical
- Elite Complete ($60 per month): Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
- Optional add-ons: Up to 30 add-on options, including generators, guest houses, HVAC annual maintenance, sump pumps, and swamp coolers
AFC Home Warranty
Company Overview
Another solid home warranty provider for Louisiana residents is AFC Home Warranty. The company offers customizable coverage plans and two service call fee options that allow you to adjust your monthly premium. In addition to plan and monthly premium flexibility, AFC Home Warranty offers unique membership perks.
AFC Home Warranty offers four home warranty plans: the Silaver Plan, the Gold Plan, the Platinum Plan, and the Diamond Plan. It also offers two service call fee options: $75 or $125. The service call fee you choose can raise or lower your monthly premium.
Our team also read AFC Home Warranty’s sample contract. We found that the company offers a coverage limit of $150–$3,000 per covered appliance. Regarding major systems, AFC Home Warranty provides varied coverage limits between $150 and $500. However, heating, cooling, and water heaters have no set coverage caps.
Why We Chose AFC Home Warranty
AFC Home Warranty is one of the few home warranty companies that offers an unlimited workmanship guarantee. This means it’ll reservice a previously repaired item free of charge for as long as you own the policy. In addition, it provides generous coverage limits for major appliances.
Pros and Cons
Pros
- Adds security perks, including identity protection, credit monitoring, and Emergency Alert Network service
- Guarantees parts and labor on any repairs completed under the plan for the life of your membership
- Lets you choose your own technician for repairs
Cons
- Reduces claim payouts for older items based on their depreciated value
- Requires claims submissions immediately after noticing a system or appliance problem
Plans and Pricing
Below is a summary of AFC Home Warranty’s coverage options and monthly costs per plan:
- Silver Plan: Covers nine home appliances, such as clothes washers and dryers, dishwashers, garage door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators
- Gold Plan: Covers 15 appliances and major home systems, such as ductwork, air conditioning, electrical, plumbing, water heaters, and heating systems
- Platinum Plan: Covers 20 items including faucets, refrigerator ice makers, and built-in microwaves
- Diamond Plan: Covers all items in the Platinum Plan, plus electronics, exterior sewer lines, and exterior water lines.
- Optional add-ons: Up to eight add-ons, including electronic coverage, sump pumps, septic systems, pools, spas, stand-alone freezers, and roof leak repair
Liberty Home Guard
Company Overview
Liberty Home Guard (LHG) offers one of the largest add-on catalogs available, with 42 options. The company also offers multiple customer support options including a dedicated app and online chat service, making it easier to manage your account and services.
Why We Chose Liberty Home Guard
We recommend Liberty Home Guard for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners. The company also provides home maintenance services such as pest control and gutter cleaning to help homeowners maintain their property.
Pros and Cons
Pros
- Includes a built-in live chat customer support feature
- Offers up to 42 additional coverage options, including TV mounting, carpet cleaning, and pest control
- Provides a 60-day workmanship guarantee
Cons
- Doesn’t display service call fee during quote process
- Offers lower coverage caps compared to other providers
Plans and Pricing
Liberty Home Guard provides three home protection plans: Appliance Guard, Systems Guard, and Total Home Guard. Each plan comes with a $2,000 coverage cap per covered system, appliance, or add-on. In addition, Liberty extends a 60-day workmanship guarantee on completed repairs.
According to the representative we spoke with, service fees range from $65–$125. These fees are not diclosed during the buying process and vary based on your selected plans, chocen add-ons, and location. Below are the monthly prices for Liberty Home Guard’s plans. The company offers monthly and annual billing options. You receive two additional months of coverage if you sign up for an annual plan.
Here are details on Liberty Home Guard’s plans and optional add-on coverage:
- Appliance Guard ($57 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($62 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($68 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 42 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage
How Does Louisiana Regulate Home Warranties?
The Louisiana Department of Insurance (DOI) is the governing body that regulates home warranties in the state. Our research shows that Louisiana’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 home warranty cost in Louisiana is $38–$84 per month, or about $444–$985 annually. This aligns with national average home warranty rates, which range from $47–$82 per month to $564–$984 per year.
The cost of a home warranty largely depends on the type of coverage plan you choose and the extent of your coverage limits. Factors such as your home’s size, location, and the age of your appliances and systems can also affect the overall cost. Customizable plans with more extensive coverage typically come at a higher price, while basic plans with fewer included items are more affordable.
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.
- A Louisiana home warranty can reduce the financial burden of repairing or replacing broken-down systems and appliances, offering homeowners peace of mind.
FAQs About Louisiana Home Warranties
What other home warranty companies service Louisiana?
While American Home Shield, Choice Home Warranty, and Elite Home Warranty are our top picks for Louisiana residents, it’s also worth considering the Cinch Home Services and 2-10 Home Buyers Warranty.
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 costs an average of $38–$84 per month. Your monthly premium may differ based on your home’s size and type, location, plan, and coverage add-ons.
Our Rating Methodology
We used a detailed rating methodology to assess each home warranty company on our list. Our team conducted research through conversations with company reps, requesting quotes, reviewing sample contracts, and collecting feedback from homeowners via surveys and focus groups. We also tested 11 top home warranty providers and conducted secret shopping.
We used this data to score each provider across six comparison categories, considering factors that matter most to homeowners. We assigned a point value to each factor, and then translated the final score out of 100 into a 5-star rating.
Our factors were weighted as follows:
- Coverage: We prioritized comprehensive coverage, with providers offering plans with more items and higher limits receiving top scores. Companies with long waiting periods or depreciation policies received lower ratings.
- Cost: We considered monthly prices and service call fees, favoring companies with affordable pricing and no additional fees.
- Trustworthiness: We reviewed customer feedback on sites like the BBB and Trustpilot and checked for National Home Service Contract Association (NHSCA) membership. Providers with strong reputations and extensive guarantees scored higher, while those with legal issues lost points.
- Plan Transparency: We evaluated the transparency of contracts and terms on each provider’s website, awarding more points to those that offered clear, accessible information.
- Customer Support: Companies with easy-to-reach support, multiple claim filing options, and quick responses earned higher marks.
- Flexibility: We gave higher scores to providers offering more plans, add-ons, the ability to choose your technician, and easy cancellation policies.
