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.
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.
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.
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.
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.
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 firstname.lastname@example.org.