A Louisiana home warranty can reduce the financial burden of repairing or replacing broken-down systems and appliances, offering homeowners peace of mind. Our team created this guide to help you find the right home warranty for your home. We’ve researched the best home warranty companies nationwide and compiled a list of the top providers available in Louisiana. We based our picks on plan options, pricing, customer service, and more.


Louisiana’s Top 4 Home Warranty Companies

The following is a list of the highest-rated home warranty companies based on our in-depth methodology:


Summary of the Best Home Warranty Companies in Louisiana

We compared our top home warranty companies in the table below. We 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 and type, location, plan, and coverage add-ons. To obtain the most accurate pricing, we recommend pulling a quote directly from the company you’re considering.

Best For Monthly Cost Service Fee Response Time BBB Rating Link
Liberty Home Guard Liberty Home Guard Best Customer Ratings $49–$59 $65–$125 Up to 48 hours A VISIT SITE
American Home Shield American Home Shield Best for Comprehensive Coverage $49–$109 $100–$125 Up to 48 hours B VISIT SITE
Select Home Warranty Select Home Warranty Best Value $44–$47 $60–$75 48-84 hours B- VISIT SITE
AFC Home Club AFC Home Club Best for Customization $34–$53 $75–$125 24-48 hours B VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Best For Best Customer Ratings
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating A
VISIT SITE
American Home Shield
Logo American Home Shield
Best For Best for Comprehensive Coverage
Monthly Cost $49–$109
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Best For Best Value
Monthly Cost $44–$47
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B-
VISIT SITE
AFC Home Club
Logo AFC Home Club
Best For Best for Customization
Monthly Cost $34–$53
Service Fee $75–$125
Response Time 24-48 hours
BBB Rating B
VISIT SITE
Company
Best For
BBB Rating
Monthly Cost
Service Fee
Response Time
Best Customer Ratings
A
$49–$59
$65–$125
Up to 48 hours
Best for Comprehensive Coverage
B
$49–$109
$100–$125
Up to 48 hours
Best Value
B-
$44–$47
$60–$75
48-84 hours
Best for Customization
B
$34–$53
$75–$125
24-48 hours

Note: We pulled quotes for a 2,160-square-foot, single-family home in Baton Rouge, Louisiana, to determine the provider costs referenced in this article.

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered
2000
Homeowners Surveyed
57000
Reviews Analyzed
31
Coverages Compared

American Home Shield

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

American Home Shield (AHS) is one of the most experienced home warranty providers, with close to 50 years in the business. It offers three home warranty plans, boasts a network of 17,000 contractors, and has paid out $2 billion in home warranty claims in the last five years. Its website features positive reviews from Louisiana residents in Baton Rouge, New Orleans, and Geismar.

Why We Chose American Home Shield

We rated AHS 4.4 out of 5 stars in our review standards. We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. The company is our top pick because it covers several things other companies don’t, such as rust damage and improper installations.

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 covered item in the ShieldPlatinum plan.

AHS 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 Provides 24/7 customer service Offers rust, corrosion, and sediment damage coverage Covers items damaged due to rust and corrosion Cons Does not offer as many add-ons as competitors Is more expensive than other providers on this list

Plans and Pricing

American Home Shield offers three coverage plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver protects a variety of major systems, while the ShieldGold covers systems and major appliances. The ShieldPlatinum includes coverage for all ShieldGold items, plus an increased $6,000 coverage cap per covered item.

Customers can choose between a service fee of $100 and $125—the cheaper the service fee, the more expensive the monthly premium.

While pulling our quote, we discovered that AHS only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.

Here are details on each of American Home Shield’s plans:

  • ShieldSilver ($29.99–$39.99 per month): Covers home systems, such as heating, cooling, and electrical
  • ShieldGold ($49.99–$59.99 per month): Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
  • ShieldPlatinum ($79.99–$89.99 per month): Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
  • Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

Liberty Home Guard

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Liberty Home Guard (LHG) offers three comprehensive plan options, an impressive suite of add-ons, a workmanship guarantee that’s double the length of the industry average, and a responsive customer service team available through the company’s live chat feature. For these reasons, we recommend LHG as one of the top choices for Louisiana homeowners.

Why We Chose Liberty Home Guard

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

Pros and Cons

Pros Offers up to 38 additional coverage options, including TV mounting, carpet cleaning, and pest control Provides a 60-day workmanship guarantee Includes a built-in live chat customer support feature Cons Doesn’t display service call fee during quote process Requires claims to be filed as soon as discovered

Plans and Pricing

Liberty Home Guard provides three home protection plans: the Appliance Guard, Systems Guard, and Total Home Guard. Liberty pairs each plan with a $2,000 coverage cap per covered system, appliance, or add-on. In addition, it extends a 60-day workmanship guarantee on completed repairs.

According to the representative we spoke with, service fees range from $65 to $125. 

Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.

Here are details on LHG’s plans and optional add-on coverage:

  • Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
  • Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
  • Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
  • Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

Select Home Warranty

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Select Home Warranty is another company we recommend for Louisiana homeowners due to its affordable HVAC coverage. In addition to solid heating and cooling system coverage, Select includes $400 roof-leak repair per plan.

Why We Chose Select Home Warranty

Select Home Warranty scored 4.3 out of 5 stars in our review standards. It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Pros and Cons

Pros Offers discounts when you sign up for several years of coverage Includes roof coverage Provides coverage for rental properties Cons Charges a $75 cancellation fee after the first 30 days Prevents you from choosing your own service provider

Plans and Pricing

Select Home Warranty offers three plans to customers: Gold Care, Bronze Care, and Platinum Care. Gold Care covers six major home systems, Bronze Care covers eight home appliances, and Platinum Care covers everything under the Gold Care and Bronze Care plans, plus a few extra home systems and appliances.

The service fee for Select Home Warranty plans will range between $60–$75 per repair or replacement.

After reviewing Select’s sample contract, we found it provides a $3,000 cap for HVAC systems. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.

Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.

Here are more details about Select Home Warranty’s plans:

  • Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
  • Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
  • Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
  • Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.

AFC Home Club

Best for Customization
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Another solid home warranty provider for Louisiana residents is America’s First Choice Home Club (AFC Home Club). The company offers customizable coverage plans and three service call fee options that allow you to adjust your monthly premium. In addition to plan and monthly premium flexibility, AFC Home Club offers unique membership perks.

Why We Chose Select Home Warranty

AFC Home Club 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 for the life of your membership Pairs appliances with a $3,000 coverage cap Cons Requires claims be submitted immediately after noticing a system or appliance problem Charges $75 for canceling after the first 30 days of their plan

Plans and Pricing

AFC Home Club offers three home warranty plans: Silver, Systems, Gold, and Platinum. When we requested a quote online, AFC Home Club offered us a $75, $100, or $125 service call fee. You can raise or lower your monthly premium with the service call fee you choose.

Our team also read AFC Home Club’s sample contract. We found that that company offers a $3,000 coverage limit per covered appliance. Regarding major systems, AFC Home Club provides varied coverage limits. We recommend reading AFC Home Club’s sample contract for more information on specific coverage limits.

AFC Home Club provides monthly and annual premiums. Based on our online quote, expect to pay between $516 and $804 per year for an AFC Home Club coverage plan.

Below is a summary of AFC Home Club’s coverage options and monthly costs per plan:

  • Silver Plan ($42.67–$47.17 per month): Covers home appliances, such as clothes washers and dryers, dishwashers, garage door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators
  • Systems Plan ($49.75–$54.50 per month): Covers major home systems, such as ductwork, air conditioning, electrical, plumbing, water heaters, and heating systems
  • Gold Plan ($56.83–$61.50 per month): Combines all Silver Plan and Systems Plan items
  • Platinum Plan ($61.50–$66.25 per month): Covers all items in the Gold Plan, plus built-in microwaves, faucets, ice makers, and plumbing stoppages
  • Optional add-ons: AFC Home Club offers a solid list of add-ons, including double ovens, electronic coverage, hot water dispensers, sump pumps, septic systems, central vacuum, pools, spas, stand-alone freezers, and roof-leak repair. Based on our quote, in-ground pool coverage costs $9 per month.

How Are Home Warranties Regulated in Louisiana?

Louisiana’s Department of Insurance (DOI) is the governing body that regulates home warranties. 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 only reputable companies that can fulfill their financial obligations operate within the state.

In addition to government oversight, industry associations oversee home warranty regulation. For instance, the Service Contract Industry Council (SCIC) creates laws and regulations alongside state lawmakers nationwide. These laws provide necessary protections for consumers while keeping service contract companies’ best interests in mind.


How Much Does a Home Warranty Cost in Louisiana?

According to the pricing information we obtained for this article, a typical home warranty costs $54 per month, on average. Annually, expect to pay $648 for a coverage plan. The cost of a home warranty largely depends on the type of coverage plan you choose. After pulling more than 120 quotes from dozens of home warranty companies, we noticed companies charge less for a basic coverage plan with a limited number of covered items. We found that companies with higher coverage limits charge higher premiums than companies with lower limits.

The local labor rates in your Louisiana city could also affect your premium. Since most companies source service technicians for you, the company will offset expensive technician fees by charging higher premiums.


Annual Home Warranty Cost Calculator

Our team 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, as annual costs and service fees vary between them.

ApplianceAverage Repair CostAverage 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, as annual costs and service fees vary based on your 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 1, 2022 to August 31, 2023. Due to the likelihood of significant rainfall in the state, a home warranty may be worthwhile to offset the costs 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 speak with experts across multiple industries about home warranties and ask them common questions homeowners have about these policies. Here is what they have to say:

  • How do I know if a Louisiana home warranty company is reputable? Peter Evering, a Business Development Manager for Utopia Property Management, says, “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, says, “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?

In the 1980s, the Louisiana legislature enacted a law to protect residents buying newly built homes. The law states that builders of newly constructed homes must ensure the homes are 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 the necessary repairs. If the builder fails to make repairs, the homebuyer can take them to court.


What's Typically Covered Under 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 combo plan for both. Companies may also offer add-on options for items such as a second refrigerator, pool, or well pump.


Our Conclusion

American Home Shield is our top recommendation for Louisiana homeowners due to its comprehensive plan options with high coverage caps. We also recommend Liberty Home Guard for its 30-plus unique add-on coverage options and high customer ratings. Select Home Warranty is another worthy choice for homeowners on a budget.

Whether you live in Baton Rouge or Shreveport, 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.


FAQ About LA Home Warranty


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for each state and major US city below.


Our Rating Methodology

The This Old House Reviews Team backs 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.