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.

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 |

Excellent

$150 Off + 1 Month Free. 30 Day Free Trial!

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

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.

Best For Comprehensive Plans

4.1 |

Excellent

1^st 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.

The Industry Leader

4.5 |

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 Generous Coverage Caps

4 |

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.

Best For Add-ons

4.7 |

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.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

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:

Louisiana's tropical climate, with its hot and humid conditions, can strain HVAC systems and elevate the risk of overheating in electrical components.
Excessive humidity, a common occurrence in Louisiana, can contribute to mold growth and impact indoor air quality.
Like any region, Louisiana experiences economic fluctuations that may impact homeowners' financial stability. Home warranty plans offer a reliable financial framework for handling expensive repairs (up to $1000) and replacement costs.
Home warranty plans often come with a network of pre-screened service providers, ensuring Louisiana homeowners can promptly address repairs.

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.

Coverage Level: Comprehensive plans that cover a wide range of systems and appliances tend to be more expensive than basic plans.
Service Fee: Choosing a higher deductible can lower the monthly or annual premium but requires a larger upfront payment when a service is needed.
Home Size and Age: The size and age of the home can impact the cost of a home warranty. Larger homes may require more coverage, and older homes may have aging systems and appliances more prone to breakdowns.
Location: The location within Louisiana can also influence the cost of the home warranty. Different regions may have varying costs of living and repair services, affecting the overall pricing of the warranty plans.

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.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Louisiana?

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?

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?

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?

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.