Best Home Warranty Companies in Louisiana

From the bustling Mardi Gras festival of New Orleans to the rich history of Baton Rouge, there are plenty of things to love about Louisiana. However, Louisiana’s proximity to the Gulf of Mexico and humid summer seasons can mean an increased strain on your home’s systems and appliances.

A home warranty plan can help you handle ongoing property issues without blowing your entire savings account each time you need a system or appliance repair. Since homeowners insurance doesn’t cover normal wear and tear to your home, a home warranty will help fill that coverage gap for you. Keep reading to learn more about home warranty policies and the best home warranty companies in your state.

Louisiana’s top 5 home warranty companies

Top home maintenance problems in Louisiana

Let’s take a look at a few of the most common problems homeowners in Louisiana face and how a home warranty can help repair them quickly and affordably.

• HVAC breakdowns: With high humidity and temperatures in the summertime, Louisiana’s HVAC systems are constantly working overtime. A home warranty with systems coverage can help tackle any HVAC breakdowns you encounter.
• Roofing damage: Louisiana’s position on the waterfront makes it more prone to rainstorms. The strain from these rainstorms can lead to roof damage that won’t appear for months. A home warranty with roof coverage can help cover these minor leaks.
• Electrical disruptions: Louisiana has a high concentration of pests, like gray squirrels and fox squirrels, that chew on wires. These critters can cause damage to your electrical system that might not be covered under your homeowners insurance policy. A home warranty can help you fill this gap in coverage.

1. Choice Home Warranty

Choice Home Warranty’s plans are straightforward and easy to understand, making the company a good option for homeowners who have never purchased a home warranty before. If you end up purchasing one of the company’s plans and become unsatisfied down the road, you can take advantage of the 30-day, money-back guarantee to get your money back and look elsewhere.

Choice Home Warranty currently offers two plan options:

• Basic Plan ($36.17 per month): Choice’s Basic Plan includes coverage for a mix of 14 home appliances and systems, like your heating system and dishwasher.
• Total Plan ($43.85 per month): Choice’s Total Plan includes everything in the Basic Plan plus your washer, dryer, air conditioner, and refrigerator.

You’ll also pay an $85 service fee each time you use your plan.

Claim your quote from Choice Home Warranty by completing this online form or calling 929-400-6164.

2. First American Home Warranty

If you live in an older home and you’re worried about the conditions of your systems and appliances, consider a home warranty from First American Home Warranty. First American offers a First Class Upgrade that extends your coverage to include systems and appliances that have been improperly installed or maintained.

First American Home Warranty offers two plan choices:

• Basic Plan ($28 per month): The Basic Plan covers nine home appliances, including clothes washers and refrigerators.
• Premier Plan ($42.50 per month): The Premier Plan includes coverage for all appliances in the Basic Plan plus eight home systems, like your air conditioner and ductwork.

You’ll also pay a $75 service fee each time you use your coverage.

Claim your quote from First American Home Warranty by completing this online form or calling 833-204-7164.

3. Select Home Warranty

If you’re searching for affordability, Select Home Warranty might be right for you. All of Select’s plans are under $40 a month, with service fees also being on the lower end of the industry norm at $75. In addition to this, new policyholders are eligible for two free months of coverage when they sign onto a plan.

Select Home Warranty offers three tiers of coverage:

• Bronze Care ($35.83 per month): The Bronze Care plan includes coverage for eight home appliances, ranging from your clothes washer to your refrigerator.
• Gold Care ($35.83 per month): The Gold Care plan includes coverage for six home systems, ranging from your electrical system to your heating unit.
• Platinum Care ($37.50 per month): The Platinum Care plan covers everything included in both the Gold Care and Bronze Care packages plus a few additional items. 

In addition to your monthly fee, you’ll also pay a $75 fee each time you make a service call.

Claim your quote from Select Home Warranty by completing this online form or calling 888-370-3953.

4. America’s First Choice Home Club

If you’re the type of property owner that wants as many coverage options as possible, look into America’s First Choice (AFC) Home Club. AFC Home Club offers four plan tiers, which is double that of many competing home warranty providers. 

Let’s take a closer look at AFC’s plans:

• System Plan ($43.18 per month): The System Plan covers six major home systems, ranging from your heating system to your water heater.
• Silver Plan ($43.18 per month): The Silver Plan covers nine home appliances, including your oven and garage door opener.
• Gold Plan ($52.27 per month): The Gold Plan combines all of the coverages found in both the System Plan and Silver Plan.
• Platinum Plan ($59.09 per month): The Platinum Plan is AFC Home Club’s most comprehensive option, with everything included in the Gold Plan plus a few additional protections.

In addition to your monthly premium, you’ll also pay a per-use service fee, which you get to choose yourself between $75 and $125.

Claim your quote from AFC Home Club by completing this online form or calling 877-755-1115.

5. Liberty Home Guard

Liberty Home Guard is a relatively new home warranty company, having opened its doors in 2019. However, in that short period of time, the company has amassed over 430 reviews on its Better Business Bureau profile, with an average rating of 4.64 out of 5 stars. 

Liberty Home Guard currently offers three competitively priced plans:

• Appliance Guard ($40 per month): The Appliance Guard plan covers nine home appliances, ranging from your microwave to your garbage disposal.
• System Guard ($50 per month): The System Guard plan covers six home systems, like your air conditioning system and water heater.
• Total Home Guard ($60 per month): The Total Home Guard plan combines all coverages found in both of the previous plans for a lower monthly fee.

In addition to your monthly premium, you’ll also pay a $60 service fee each time you use your coverage. 

Claim your quote from Liberty Home Guard by completing this online form or calling 866-451-2281. 

Louisiana home warranty buying guide

Coverage and cost are the first factors you consider when looking for a home warranty company. However, they’re not the only ones you should look at. Here are a few additional factors you might want to consider:

• Service technician: Do you have a particular company or contractor that you trust to do your home maintenance and repairs? If you want the option to use your own technician instead of the one your home warranty provider assigns to you, consider a company that gives you that choice, like AFC Home Club.
• Roof leak coverage: Roof leaks can be a common problem in Louisiana homes. If your roof is a little older, you might want to consider Select Home Warranty, which offers free roof coverage in every plan, or a different company that offers roof coverage as an add-on.
• Coverage for improperly installed components: Louisiana is home to thousands of properties built in the 1950s and 60s. If you live in one of these homes, there’s no way for you to know how previous owners cared for the systems and appliances. Coverage like First American Home Warranty’s First Class Upgrade will give you peace of mind that you won’t have to pay out of pocket when these components break down.

Our conclusion

So, which company has the best home warranty in Louisiana? The answer to that question will depend on your needs as a homeowner. For example, if you’re primarily interested in choosing your own technician, AFC Home Club might be right for you. On the other hand, if you’re shopping on a budget, Select Home Warranty is your best option. However, we recommend getting quotes from at least three of the providers we mentioned, as you never know what rates and specials may be available for your specific home.

Frequently asked questions about Louisiana home warranties

Do realtors pay for a home warranty?

When buying a home, your realtor or seller might choose to offer you a home warranty policy as a closing gift. However, this is not a requirement, meaning you may have to buy one yourself if this is something you desire.

How long after buying a house can you get a home warranty?

You can typically buy a home warranty at any point in the home buying process or even after the process is over and you’re already moved in. Depending on the home warranty company you choose, you might be able to get a discount on your policy for purchasing it shortly after you close on your home. 

Do home warranties have deductibles?

Home warranties have service fees instead of deductibles, but the idea is the same. Every time you file a claim to use your home warranty, you’ll have to pay a service fee. However, instead of paying this service fee to the provider like you would for insurance, you pay it to the contractor who comes to your home.