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Best Home Warranty Companies In louisiana 2024

Louisiana has a humid subtropical climate. Its summers are hot and humid, and there are frequent thunderstorms and the occasional threat of hurricanes. Our guide to the Best Home Warranty Companies In Louisiana helps you find the perfect plan. We compare coverage, pricing, and reviews so you can confidently face summer swelter, surprise storms, and appliance woes.

Cyber Savings
fourhalf_star4.9/5
50% Off + First Month Free
MOST POPULAR
fourhalf_star4.5/5
$50 OFF on Multiple Properties

Our Picks: 5 Best Home Warranty Companies For louisiana Residents

Louisiana has a humid subtropical climate. Its summers are hot and humid, with frequent thunderstorms and the occasional threat of hurricanes. Our guide to the Best Home Warranty Companies In Louisiana helps you find the perfect plan. We compare coverage, pricing, and reviews so you can confidently face summer swelter, surprise storms, and appliance woes.

Highly Rated By Customers
4.9 | fourhalf_star Excellent
50% Off + First Month Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • High coverage caps
  • Option to select your technician
  • No waiting period for new homes with an inspection report

Cons

  • Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty provides three plans: Elite Appliances, Elite Systems, and Elite Complete. While Elite Appliances offers appliance coverage, Elite Systems covers home systems, and Elite Complete combines both. The pricing can differ for each plan and range from $44.99 to $59.99. The coverage limitations for appliances and systems are $7,000 and $8,000 respectively. Here are the pricing details: 

Plans

Premium (Monthly)

Elite Appliances

$44.99

Elite Systems

$49.99

Elite Complete

$59.99

Elite Appliances 

  • Basic coverage for eight essential appliances such as garbage disposal, dishwasher & oven
  • Offers focused coverage for frequently used appliances that are susceptible to wear and tear

Elite Systems 

  • Coverage for seven vital home systems such as HVAC, electrical, and plumbing
  • Perfect for homeowners seeking a system-only plan 

Elite Complete  

  • Offers coverage for fifteen home systems and appliances
  • A comprehensive package which includes everything from elite Appliances and Elite Systems 
  • A good choice for homeowners seeking comprehensive coverage

Why We Picked It?

Elite Home Warranty stands out as a premier option for homeowners in Louisiana due to its generous coverage caps, comprehensive plans, and customer-friendly services. The company even offers the freedom to select your technician, making it a good choice for homeowners. 

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$35 - $79

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Customizable plans and 24/7 emergency service
  • Extensive coverage for essential household appliances and systems
  • Large network of contractors

Cons

  • Limited additional coverage options

Plans, Cost & Coverage

American Home Shield offers three plans to homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver Plan includes essential systems, and the ShieldGold Plan includes systems and major appliances. 

The ShieldPlatinum Plan includes everything from the other two plans and a few additions. The coverage limitations for systems are $5,000, and for appliances, it is up to $2,000 in ShieldGold and $4,000 in ShieldPlatinum. 

Find the pricing details here: 

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$35.83

$39.16

$69.16

Cost at $100 Service Call Fee

$45.83

$49.16

$79.16

ShieldSilver 

  • Coverage for 14 essential systems 
  • Well-suited for homeowners with a limited budget 
  • Includes systems such as air conditioning and heating 

ShieldGold 

  • Offers coverage for 23 systems and major appliances 
  • Includes kitchen and laundry items 
  • Well-suited for homeowners seeking comprehensive coverage 

ShieldPlatinum 

  • Includes all appliances and systems from previous plans, plus roof leak repair
  • Designed for homeowners who prioritize comprehensive protection and are prepared to invest in it

Why We Picked It?

American Home Shield is a leading home warranty company renowned for its comprehensive coverage plans, round-the-clock availability, and customer-friendly service. With over five decades of experience, it continues to uphold its impeccable reputation in the market.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Impeccable customer service
  • Affordable pricing
  • Flexible plans to suit individual needs

Cons

  • Higher premiums compared to some competitors

Plans, Cost & Coverage

Liberty Home Guard has three plans: Appliance, Systems, and Total Home Guard. LHS provides a coverage limit of up to $2,000 for all the covered items. Find the cost and plans here: 

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99/Month

$54.99/Month

$59.99/Month

Annual Plan

$499.99/Annum

$549.99/Annum

$599.99/Annum

Appliances Guard

  • 9 essential household appliances like refrigerator, dishwasher, and oven are included 
  • Provides peace of mind by ensuring that major appliances are safeguarded against unexpected breakdowns

Systems Guard

  • Exhaustive coverage for home systems such as HVAC, plumbing, and electrical
  • Provides coverage for six essential home systems at $54.99 per month
  • Perfect for homeowners in search of coverage for their home’s systems

Total Home Guard

  • Offers coverage for all 15 essential home appliances and systems mentioned in the previous plans, starting at $59.99
  • Offers maximum protection against malfunctions and normal wear and tear

Why We Picked It?

Liberty Home Guard is known for its easy onboarding and claims-related services. Despite being relatively new in the market, it has attracted numerous customers due to its friendly customer service and live chat option.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Roof leak coverage with all the plans
  • 90-day parts guarantee and 30-day labor guarantee
  • 24/7 customer service

Cons

  • Low aggregate limit for the contract

Plans, Cost & Coverage

Choice Home Warranty has two plans for homeowners: Basic Plan and Total Plan. While the Basic Plan covers basic home appliances and systems, the Total Plan offers comprehensive coverage. The company has a coverage limit of $3,000 for the repair/replacement of any covered household item. You can find the plan’s pricing here: 

Plans

Monthly

Yearly

Basic Plan

$46.83

$532

Total Plan

$54.75

$627

Basic Plan 

  • Coverage for 14 home systems and appliances 
  • Items such as a water heart and whirlpool bathtub are included 
  • Ideal for homeowners seeking basic coverage 

Total Plan  

  • Offers coverage for 18 essential home systems and appliances 
  • Includes everything from the Basic Plan, as well as four crucial items: air conditioner, refrigerator, washer, and dryer

Why We Picked It?

Choice Home Warranty is distinguished for its skilled technicians and their effectiveness in resolving issues. Renowned for its professional technician network and service quality, Choice Home Warranty stands out as one of the best options for Louisiana homeowners.

Best For Generous Coverage Caps
4 | four_star Excellent

Monthly Cost

$58 - $63

Service Fee

$50 & $100

Response Time

48 - 72 hours

Pros & Cons

Pros

  • Provides flexibility in deductible and payment options
  • Offers roof and extended pipe leak coverage
  • Freedom to pick your service contractor

Cons

  • Offers only one plan

Plans, Cost & Coverage

APHW offers homeowners one protection plan and the choice to select optional add-ons with the coverage. The maximum payout limit for APHW is $25,000, and the plan’s pricing can be from $706 to $762 annually. The full pricing details are mentioned below: 

 

Standard Coverage Plan (Monthly)

Standard Coverage Plan (Yearly) 

Cost at $100 Service Call Fee

$58.82

$706

Cost at $50 Service Call Fee

$63.48

$762

Standard Coverage 

  • Includes 19 major household appliances and systems such as HVAC, refrigerator & dishwasher
  • Provides termite control as an optional add-on, a service typically not covered by other home warranty companies

Why We Picked It?

APHW provides one standard coverage option and optional add-ons. They offer responsive customer support service, professional technicians, and affordable options for additional items. All the benefits combined make America’s Preferred Home Warranty a worthy choice for Louisiana residents.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Are Home Warranty Plans Beneficial For Louisiana Homeowners?

Louisiana homeowners can reap several benefits from buying home warranty plans tailored to the state's unique characteristics and challenges:

How Much Does A Louisiana Home Warranty Cost?

There are various factors on which the price of a Louisiana home warranty depends, including the coverage level, deductible, home size, and more. Find a general cost range here: 

Average Annual Cost

$400 - $600

Average Monthly Cost

$30 - $50

Average Service Fee (Deductible)

$60 - $120

Several factors contribute to determining the cost of a home warranty in Louisiana. 

Home Warranty Coverage In Louisiana

Home warranty coverage in Louisiana typically includes protection for various essential systems and appliances in a home. While specific coverage can vary between providers and plans, here are common inclusions and exclusions that homeowners in Louisiana might encounter:

General Coverage Of Louisiana Home Warranty:

  • HVAC (Heating, Ventilation, and Air Conditioning) SystemsRepairs or replaces essential components to keep homes comfortable in Louisiana’s hot and humid climate.
  • Plumbing SystemsThese protect against leaks, clogs, and water heater malfunctions, which are common in Louisiana homes due to heavy rainfall and occasional freezing temperatures.
  • Electrical SystemsCoverage for repairs to wiring, outlets, and circuit breakers to ensure safety and functionality, especially during severe weather events like thunderstorms and hurricanes.
  • Major AppliancesComprehensive coverage for refrigerators, dishwashers, ovens, and other kitchen and laundry appliances. This helps safeguard against breakdowns, ensuring convenience in Louisiana households known for their love of home-cooked meals and entertaining guests.

Common Exclusions

  • Pre-existing ConditionsAny issues or damages before the warranty’s start date are usually not covered.
  • Improper MaintenanceDamages from lack of maintenance or neglect, such as failure to clean appliances or change filters, may not be covered.
  • Acts of NatureDamage caused by natural disasters like earthquakes, floods, hurricanes, or other extreme weather events are often excluded.
  • Certain Appliances and SystemsSome warranties may exclude coverage for specific appliances or systems, such as pools, spas, wells, septic systems, or specific types of HVAC units.
  • Cosmetic DefectsMinor cosmetic issues or damages that do not affect the functionality of covered items are typically not covered.

Here Are Some Additional Points To Consider

Here are additional factors to keep in mind when evaluating home warranty plans:

  • Coverage CapsSome plans may have specific caps on the monetary value they will contribute, so it’s crucial to understand these limits to avoid unexpected costs.
  • Service Call FeesSome home warranty companies impose service call fees for each visit by a technician. These fees can vary between providers, and it’s essential to consider whether they have a fixed rate or are subject to change. 
  • Network LimitationsCheck the geographical scope of the warranty provider’s service network. Ensure that technicians are available and accessible in your area.

Who Regulates Home Warranty Companies In Louisiana?

The Secretary of State regulates Louisiana's home warranty companies. To comply with certain registration requirements, such companies must furnish a surety bond to the state.

Apart from governmental oversight, industry trade associations uphold the self-regulation of home warranties. One such association is the National Home Service Contract Association (NHSCA), a nonprofit organization of member companies committed to a code of ethics emphasizing sound business practices. This additional layer of regulation ensures a standard of integrity within the industry.

Final Words

When evaluating the best home warranty companies in Louisiana for 2024, it's essential to consider various factors such as coverage options, service call fees, network accessibility, and customer reviews. With the regulatory framework in place, ensuring that a company adheres to state requirements and industry standards, consumers can make informed decisions to safeguard their homes and appliances.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Louisiana?

A.

In Louisiana, residents frequently report appliance repairs for air conditioning units, refrigerators, and dishwashers. Given the state’s warm and humid climate, air conditioning issues, such as compressor failures and refrigerant leaks, are common. Refrigerator repairs often involve temperature control problems and issues with ice makers or water dispensers.

Are Home Warranties Worth It In Louisiana?

A.

Yes, home warranties are highly worth it in Louisiana. The state’s warm and humid climate can strain essential home systems like air conditioning. Therefore, a home warranty protects homeowners against unexpected repair costs for vital appliances and systems.

Do Home Warranty Companies Cover Plumbing Repairs?

A.

Many home warranty companies cover plumbing repairs as part of their standard coverage. Plumbing systems are typically considered essential home components, and issues such as leaks, pipe ruptures, or problems with the water heater are often included in basic plans. However, coverage can vary among different providers, so reviewing the terms and conditions of the specific home warranty plan you are considering is crucial.

Is Home Warranty Mandatory In Louisiana?

A.

No, home warranty coverage is not mandatory in Louisiana. Homeowners are not legally required to purchase a home warranty for their properties. The decision to obtain a home warranty is voluntary and depends on the homeowner’s preferences, needs, and budget.

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Best Home Warranty Companies

Cyber Savings
Elite Home Warranty

PROMOTION

50% Off + First Month Free

fourhalf_star 4.9
Excellent
American Home Shield

PROMOTION

$50 OFF on Multiple Properties

fourhalf_star 4.5
Excellent