Affiliate Disclaimer: 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:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- Cinch Home Services : Best Coverage Variety
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
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
American Home Shield
- Number of plans: Three
- Service call fee: $100–$125
- Get a quick quote: Visit American Home Shield’s site
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.
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
- Number of plans: Three
- Service call fee: $65–$125
- Get a quick quote: Visit Liberty Home Guard’s site
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.
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
- Number of plans: Three
- Service call fee: $75
- Get a quick quote: Visit Select Home Warranty’s site
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.
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
America’s 1st Choice Home Club
- Number of plans: Four
- Service call fee: $75–$125
- Get a quick quote: Visit AFC Home Club’s site
America’s First Choice Home Club (AFC Home Club) is a reputable provider that includes an unlimited workmanship guarantee lasting the length of your plan. In addition, AFC Home Club offers roof-leak repair coverage as an add-on, although it only covers up to $250 per incident. AFC Home Club also offers membership perks, such as identity protection.
AFC Home Club provides up to $3,000 per covered home appliance, whereas home systems have a mix of coverage limits. For example, AFC Home Club 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 Club’s sample contract so you know its exclusions and limits.
Below are AFC Home Club’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 Club Review
Cinch Home Services
- Number of plans: Three
- Service call fee: $100–$150
- Get a quick quote: Visit Cinch Home Services’ site
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.
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.
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.