Best Home Warranty Companies in Louisiana (2024)

By Jesus Sanchez Garcia Updated March 4, 2024

All products and services featured are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

A home warranty is a service contract between you and a provider that either repairs or replaces your home’s major systems and appliances when normal wear and tear causes them to break down. For a small monthly fee, you can have peace of mind that a home warranty will cover your essential systems and major appliances when inconvenient malfunctions occur.

Our team reviewed the best home warranty companies using our in-depth rating system that ranks companies based on factors such as coverage options, costs, add-on availability, and bonus benefits. This guide highlights our recommended providers for Louisiana homeowners.


The Top 5 Home Warranty Companies in Louisiana

Here is our list of recommended Louisiana home warranty companies:

All pricing information in this article is based on a single-family home (smaller than 5,000 square feet) in New Orleans. Your pricing may vary depending on your home’s size and type, your location, and your add-on coverage and plan options.


Compare Louisiana’s Top Home Warranty Companies

Providers
Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
B
$40–$80
$100–$125
Best Add-On Variety
NR
$49–$60
$65–$125
Flexible Coverage
A+
$55–$75
$70
Best Budget Coverage
B
$44–$48
$65–$75
Best for Systems Coverage
B
$45–$70
$75–$125
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$40–$80 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49–$60 $65–$125 NR VISIT SITE
Elite Home Warranty Elite Home Warranty
$55–$75 $70 A+ VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B VISIT SITE
First American Home Warranty First American Home Warranty
$45–$70 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $40–$80
Service Fee $100–$125
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating NR
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost $55–$75
Service Fee $70
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $45–$70
Service Fee $75–$125
BBB Rating B
VISIT SITE

American Home Shield

Coverage Overview

American Home Shield (AHS) is a reputable provider that offers generous coverage caps for home systems and appliances, plus unique coverage for items with preexisting conditions, rust, corrosion, and sediment damage. AHS provides three coverage plans alongside two service call fees for added plan flexibility.

The ShieldSilver pairs a $5,000 coverage limit per build-in system. The ShieldGold plans include a $2,000 limit per covered appliance. The ShieldPlatinum plan increases major appliance caps to $4,000 per covered item. The ShieldPlatinum plan also includes roof-leak repair coverage up to $1,500 and an annual discount for HVAC tune-ups. Note that American Home Shield’s service call fees range from $100 to $125 per filed claim; the higher the service call fee you choose, the lower your monthly payment.

Plans

Below are American Home Shield’s three plans:

ShieldSilver ($59.99–$79.99 per month): The ShieldSilver plan covers doorbells and chimes, garage-door openers, ceiling fans, ductwork, attic and built-in exhaust fans, faucets, toilets, whirlpool tub motor components, water heaters, heating units plus interior electrical lines, main breaker, and fuse panel boxes. Covered systems include electrical, plumbing, air conditioning and heating systems, plumbing stoppages, and interior plumbing lines. 

ShieldGold ($79.99–$99.99 per month): The ShieldGold plan combines major systems and appliance coverage. Covered items include everything in the ShieldSilver plan, plus built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, instant cold and hot water dispensers, ovens, cooktops, ranges, and refrigerators.

ShieldPlatinum ($109.99–$129.99 per month): The ShieldPlatinum plan covers all items in the ShieldGold plan, plus roof-leak repair coverage, plumbing system modifications, and an increased coverage cap of $6,000 per covered item.

Read More: American Home Shield Review


Liberty Home Guard

Coverage Overview

Liberty Home Guard (LHG) offers Louisiana residents peace of mind via three protection plans with coverage up to $2,000 per covered item, including add-ons. For further customizability, Liberty Home Guard offers more than 30 unique add-on coverage options, including roof-leak coverage.

One of LHG’s standout features is its inclusion of additional air conditioner or HVAC system coverage in its standard plans. Most providers only offer coverage for an extra unit as an add-on.

Liberty Home Guard’s service call fees range from $65 to $125. LHG selects your service call fee based on your home’s type, size, and location, as well as your plan selection.

Plans

Below are Liberty Home Guard’s three plans:

Appliance Guard ($49.99 per month): This plan covers the following appliances: built-in microwave ovens, ceiling and exhaust fans, clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ranges, ovens, cooktops, and refrigerators with built-in ice makers.

Systems Guard ($54.99 per month): The Systems Guard’s covered systems include water heaters, ductwork, air conditioning, plumbing, heating, and electrical systems

Total Home Guard ($59.99 per month): This plan combines the Appliance Guard and Systems Guard into one comprehensive coverage plan.

Read More: Liberty Home Guard Review


Select Home Warranty

Coverage Overview

Select Home Warranty is another provider that offers speedy response times for busy homeowners. Select can process a claim and send a service technician to your home in as little as 12 hours, plus it allows you to file a claim within two days of discovering an issue. Many providers require you to file a claim as soon as you discover it. 

Select’s plans include a $400 limit on roof-leak repair coverage. In addition, Select charges a $75 service call fee along with its competitively priced plans.

Plans

Below are Select Home Warranty’s three plans:

Bronze Care ($44.42 per month): This plan includes coverage for built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, ovens, refrigerators, and stovetops.

Gold Care ($44.42 per month): This plan covers ductwork, water heaters, cooling, heating, plumbing, and electrical systems.

Platinum Care ($47.75 per month): Platinum Care is Select’s most comprehensive plan. It covers all items in the Bronze Care and Gold Care plans.

Read More: Select Home Warranty Review


AFC Home Warranty

Coverage Overview

AFC Home Warranty is a reputable provider that includes an unlimited workmanship guarantee lasting the length of your plan. In addition, AFC Home Warranty offers roof-leak repair coverage as an add-on, although it only covers up to $250 per incident. AFC also offers membership perks, such as identity protection.

AFC Home Warranty provides up to $3,000 per covered home appliance, whereas home systems have a mix of coverage limits. For example, AFC caps water heaters at $500 per incident. Also, covered items are subject to a depreciated value based on similar items. We recommend reading AFC Home Warranty’s sample contract so you know its exclusions and limits. 

Plans

Below are AFC Home Warranty’s four plan options:

Silver Plan ($36.25–$40.83 per month): This plan protects clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators.

Systems Plan ($43.17–$47.75 per month): This plan protects ductwork, air conditioning, electrical, plumbing, and heating systems, plus water heaters.

Gold Plan ($50.00–$54.58 per month): The Gold Plan covers all Silver Plan and Systems Plan items. 

Platinum Plan ($54.58–$59.17 per month): The Platinum Plan covers everything in the Gold Plan, plus built-in microwaves, faucets, ice makers, and plumbing stoppages.

Read More: AFC Home Warranty Review


Cinch Home Services

Coverage Overview

Cinch Home Services offers quick claims processing and comprehensive systems and appliance coverage. During standard business hours, Cinch says it can process a claim and send a professional technician to your home in as few as two hours. Similar to American Home Shield, Cinch includes three service call fee options and covers rust and corrosion damage and items with preexisting conditions.

Cinch provides three home protection plans that include a $10,000 annual coverage cap per covered system, appliance, and add-on. Cinch’s service call fees range from $100 to $150 per filed claim, which is higher than other providers. Note that Cinch excludes roof-leak repair coverage. 

Plans

Below are Cinch Home Services’ three plans:

Appliances ($59.99–$69.99 per month): This plan covers built-in food centers, microwaves, trash compactors, clothes washers, dryers, cooktops, dishwashers, freestanding ice makers, ranges and range exhaust hoods, refrigerators, and wall ovens. All plans include a $25 air conditioner or refrigerator filter credit.

Built-in Systems ($64.99–$76.99 per month): This systems plan covers air conditioning and heating systems including ductwork, attic and ceiling fans, central vacuum, doorbells, electrical and plumbing systems, garage-door openers, garbage disposals, instant hot and cold water dispensers, smoke detectors, sump pumps, toilets, water heaters, and whirlpool and jetted tubs.

Complete Home Care ($74.99–$86.99 per month): This plan combines coverage for everything in the Appliances and Built-in Systems plans, plus adds a reimbursement for your homeowners insurance deductible of up to $500 annually.

Read More: Cinch Home Services Review


Home Warranty Regulations in Louisiana

Home warranty companies in Louisiana are regulated by the Security of State according to Louisiana Revised Statutes 51:3141. Home service contracts, or home warranties, must adhere to certain registration requirements, including a surety bond with the state. Additionally, among other requirements, home warranty providers must present contract terms in clear language and provide a receipt of the contract after purchase.

If you have a policy and believe the company has not honored its contract, you can file a consumer dispute form with the Louisiana Attorney General’s Office. 

In addition to government oversight, home warranties are self-regulated by trade associations. For example, the National Home Service Contract Association (NHSCA) is a nonprofit industry trade organization consisting of member companies that follow a code of ethics regarding sound business practices.


Our Recommendation

Louisiana’s unpredictable weather can put an immense strain on your home’s systems and appliances. If you’d rather avoid the hassle of sourcing your own service provider to repair your broken system or appliance, having a home warranty can save you time and a headache. We recommend Liberty Home Guard due to its lengthy workmanship guarantee, American Home Shield for its flexible coverage plans, and Cinch Home Services for its $10,000 coverage cap.

We recommend requesting quotes from at least three providers to compare costs, coverage options, and add-on selections. Also, read each provider’s service contract carefully to understand the coverage limits and exclusions.


Louisiana Home Warranty Companies FAQ

What is the Louisiana New Home Warranty Act?

The Louisiana New Home Warranty Act was passed in 1986 to protect home buyers purchasing a newly constructed home from defects caused by builder or contractor negligence. The law states that newly constructed homes must be free of structural defects for five years. If a homeowner finds a defect within five years, the builder or contractor is responsible for the repair. 

How do I file a claim with my home warranty company?

Most reputable home warranty companies give you multiple options to file a claim, such as calling a dedicated phone number or filling out a form via an online portal. 

What is the average cost of a home warranty in Louisiana?

A home warranty policy in Louisiana costs an average of $50.76 per month. Your monthly premium will vary depending on which provider you choose, your home’s location, and your selected plan.

Is a home warranty necessary?

Although owning a home warranty policy is not required, we recommend purchasing one. A home warranty covers specific incidents a traditional homeowners insurance does not, such as home system or appliance breakdowns caused by normal wear and tear. A home warranty also offers the convenience of connecting you with the right service provider within a short time after filing a claim.


How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.