By Dan Simms
Updated Jan 10, 2023
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Louisiana is a place that has so much culture, great weather, access to all the outdoor activities you could ever want, and some great homes. Homeownership in Louisiana has so many positives associated with it. However, some negatives come along with this as well. Ensuring that your home’s systems and appliances stay in working condition can make Louisiana homeownership quite tricky.
Home warranties can be helpful no matter where you live, but they’re especially likely to save you money. Louisiana experiences extreme weather, including high year-round humidity that can put added strain on AC systems and appliances, high summer temperatures that can cause your air conditioners and refrigerators to overwork and experience breakdowns, and extreme weather like hurricanes and tornadoes that can promote roof leaking. Some of the best home warranties in Louisiana cover these appliances, home systems, and issues to provide peace of mind.
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House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty is the best overall home warranty in the state of Louisiana. With the Choice Home Warranty, you will get 13 years of experience on the market. The customer service representatives and service technicians are well trained and capable of taking on any project that may come their way. Choice Home Warranty is known for its comprehensive coverage options and overall affordability of the plan. It does not matter if your home is a few years old or dozens of years old; Choice Home Warranty will still accept your application for a home warranty quote.
There are two Choice Home Warranty plans that Louisiana homeowners can choose from. Each of these plans is considered a combo plan, and they will have a mix of systems and appliances covered under the plan. Most companies offer combo plans as a premium option, but with Choice, the combo plan is extremely affordable and part of the basic plan. The coverage caps reach up to $2,000, and the service fee is $85 per service call.
Here’s a detailed look at Choice Home Warranty’s coverage:
In addition to the two pre-set plans, Choice Home Warranty offers a bit of plan customization with the below add-on coverages:
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
For more information, read our Choice Home Warranty Review.
Select Home Warranty is the most cost-effective home warranty plan for Louisiana homeowners. The decision to purchase a home warranty sometimes comes down to cost. If the costs don’t make sense, the warranty won’t be worth the price that you pay. The Select Home Warranty offers a tremendous value for the coverage that they give customers. With almost ten years in the industry and a BBB rating of a B, Select is a reputable and well-known home warranty company. With each plan that Select Home Warranty offers, they will also give free roof leak coverage. You will quickly learn that in the home warranty industry, not much is given away for free.
The three plans from Select Home Warranty give a Louisiana homeowner a great mix of options to choose from. There is an appliance plan, a systems plan, and then a combo plan. The Platinum Plan is the option that includes both system and appliance coverage. This is typically considered the best choice for homeowners simply because it is only a few dollars more but double the coverage of the other plans. In addition to the free roof leak coverage, there are paid add-on options that you can also add to your Select Home Warranty policy. Some of the coverage caps are a bit lower than competitors, but the service fee is just $60.
Here’s a detailed look at Select Home Warranty’s coverage:
Select Home Warranty offers a decent number of add-on products as well, which let you customize the coverage you get. The add-on products available include:
Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.
Read our Select Home Warranty review to learn more.
American Home Shield is the most customizable plan in the home warranty industry. For Louisiana homeowners that are concerned with putting together a plan that meets the specific needs of their home, American Home Shield will be the best choice. For over 50 years, American Home Shield has offered some of the best coverage on the market to Louisiana homeowners. In addition to allowing homeowners to customize their plans, they can also customize the payment option that works best for them. If you want the best coverage for your home and don’t mind paying a few dollars more, this is a plan to consider.
The American Home Shield plan offers users three plans to choose from. The ShieldGold Combo Plan tends to be the most popular plan. The pricing is still fair, and it allows for a mix of appliance and system coverage for the home. American Home Shield also offers a wide range of add-on coverage choices to help you further customize your plan. If you are worried about your electronics and TVs, you can even add them to an American Home Shield plan. This company has low service call fees at just $60 per call, and the coverage caps reach up to $2,000 per covered item.
Here’s a detailed look at American Home Shield’s coverage:
American Home Shield has fairly comprehensive plans, but it still provides several add-on products that you can use to customize your coverage. These include:
To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.
To read more, visit our American Home Shield review.
The Home Service Club has been providing home warranty coverage to homeowners in Louisiana since 2008. It hasn’t been accredited by the Better Business Bureau yet, but it maintains mostly positive customer reviews online. The Home Service Club is one of the best options if you’re looking for coverage to kick in quickly, as there’s only a 10-day waiting period after signing up. Most service calls are responded to within 24 hours as well, making this company one of the fastest in the industry.
The Home Service Club has two plans: the Standard Coverage Plan and the Comprehensive Coverage Plan. Both include appliances and home systems, but the comprehensive plan includes more coverage options. There are also many different add-on coverage options available that you can use to customize your coverage plan. The coverage caps range from $500 up to $2,500 based on the covered item, and the service fee can be customized between $65 and $125.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club also has an impressive lineup of add-on coverage options to let you get customized coverage based on your specific needs. The add-on products include:
You can also read our complete The Home Service Club review for more company, plan, and add-on coverage option information.
Liberty Home Guard is the most trustworthy home warranty in the state of Louisiana. Home warranty companies like to have peace of mind that their provider will show up, complete a timely repair and do so within the limits of the policy. Liberty Home Guard has managed to earn an A rating with the BBB in just two years on the market. The customer reviews and the early indications from the Liberty Home Guard team show that they will be strong supporters of workmanship and customer service. One thing that already makes Liberty Home Guard stand out is the speed they are offering assistance. With modern systems in place, excellent communication, and a vast list of coverage options, this is a home warranty that will be around for years to come.
There are three plans to choose from with the Liberty Home Guard plan. The appliance, system, and comprehensive option all offer extensive coverage. The plans from Liberty Home Guard are sometimes priced just a bit higher, but it won’t take long to see the value associated with the plan choices. In addition, the Liberty Home Guard add-on options or choices are some of the most extensive in the market. If you want to pick and choose specific coverages for your Louisiana home, this is an excellent plan choice.
Here’s a detailed look at Liberty Home Guard’s coverage:
If you’re looking for coverage customization, Liberty Home Guard is probably your best option. This company has an enormous array of add-on coverage options, including:
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
To learn more information, visit our Liberty Home Guard review.
A home warranty in Louisiana will cost anywhere from $35 to $80 per month. Most plans average out around $50 per month. If you add additional coverage to the home warranty plan, you will end up with a higher monthly payment. Most Louisiana homeowners feel as though they can put together a plan that fits within their budget. Service fees average around $85, and add-ons can range in price, depending on the coverage needed.
|Home Over 5,000 sq ft||$1,232.50|
|Home Under 5,000 sq ft||$740.90|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost-Effective Plans||Best Customization Options||Fastest Service||Most Trustworthy|
|Average Cost||$50 per month||$60 per month||$45 per month||$56 per month||$70 per month|
|Annual Limit||$3,000||$2,000||$3,000 to unlimited||$350-$2,000||$2,000-$2,500|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||49 States||46 States||49 States||50 States||48 States|
|Online Chat / Mobile App||No||No||No||No||Online Chat|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
At this point, we hope that you have a plan in mind and some questions to ask to ensure that you are getting the policy you need for your Louisiana home. Making a home warranty purchase can be overwhelming; however, the peace of mind you will feel when the plan is in place will certainly help you understand and see the impact and benefits of a home warranty.
Choice Home Warranty stands out as the best overall choice for a Louisiana homeowner. The plan choices, fair pricing, and general ease of working with Choice have made them stand out as one of the best providers on the market. Don’t hesitate to get more than one quote from home warranty providers so that you can choose the best possible option for your home.
As you can see from the policies we have reviewed, there are quite a few similarities from one provider to another. It may come down to the smallest differences that lead you from one company to another. Three things to consider when choosing your Louisiana home warranty are overall pricing, coverage caps or limits, and plan exclusions.
In addition to the above universal factors you should consider, there are some more specific things to think about if you’re looking for a home warranty plan in Louisiana.
First, it’s important to remember that Louisiana experiences intense heat in the summers, with temperatures reaching well into the 90s and remaining above 80 degrees for up to six months of the year. Most homeowners will call on their air conditioning equipment to keep their homes cool for months at a time, which can put immense stress on them. As such, it’s wise to consider a home warranty that covers air conditioners, as you’ll likely run into issues with yours.
Second, Louisiana is well known for its high year-round humidity, averaging around 74%. High humidity makes your refrigerators, freezers, and air conditioners work even harder to keep things cool. Most Louisianians get the most out of home warranties that cover air conditioners and refrigerators for this reason.
Finally, Louisiana receives between 50 and 70 inches of rainfall each year, which is nearly double the national average. High amounts of rainfall can promote roof leaks, so home warranties that cover roof leaking are typically better options in the area.
A home warranty is a protection plan for your appliances and/or home systems. It’s often compared to a homeowners insurance policy because you pay a monthly premium to maintain coverage, and the warranty kicks in and provides financial aid when you run into a problem with a covered item.
Home warranties require that you pay a service fee for each service call you make, which averages around $85. They also have coverage limits for each covered item and for total annual payouts.
It’s helpful to think of a home warranty as a homeowners insurance policy in some cases, but they differ in some important ways.
First, a home warranty covers specific appliances and home systems, which means you can file a claim for a single item in your home. Homeowners insurance covers your entire home, which may or may not pay out for individual items in one lump sum. This seems like a minor difference, but it means payouts are made based on different criteria.
A homeowners insurance policy usually only pays out when there is some catastrophe, like a house fire, hurricane damage, tornado damage, or another natural disaster. A home warranty pays out for much less severe damage, like a fridge failing when it’s overworked or an air conditioning system going down. The coverage limit on a homeowners insurance policy is much higher for this reason.
The last major difference between home insurance and a home warranty is the amount you’re expected to pay out of pocket. With a homeowners insurance policy, you usually have a several-thousand-dollar deductible to pay before coverage kicks in. With a home warranty, your coverage typically only requires a service fee, which averages around $85.
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Before you can take advantage of a home warranty in LA, you need to secure coverage. This process is fairly straightforward. You can begin by choosing a provider and selecting a plan. Once you pay for your home warranty, the coverage will typically kick in within 90 days, sometimes as little as 10 days. After your coverage plan takes effect, you can follow the below steps when you find an issue with a covered item:
All home warranties cover different items, so it’s hard to say exactly what kind of protection you’ll have for your home. However, most home warranties cover either appliances or major systems, and the comprehensive options from most providers cover both.
Common appliances included in coverage are refrigerators, ovens, cooktops, microwaves, dishwashers, garbage disposals, washers, and dryers. Most home systems plans include protection for plumbing, heating, and electrical systems, some include air conditioning systems, and the more comprehensive options cover other smaller systems, like garage door openers, doorbells, and smoke alarms.
Home warranties also often have add-on options for coverage, which you can use to customize your home protection plan. Common add-on products include sump pumps, sprinkler systems, roof leak coverage, pools and spas, outdoor utility lines, and more.
Again, every home warranty is different, so you need to check your service contract to ensure you understand what isn’t covered by your home warranty. However, most home warranties have certain exclusions. Things like intentional damage, damage caused by poor maintenance, cosmetic repairs, and pre-existing home conditions typically are not covered by home warranties.
Home warranties typically save homeowners quite a lot of money, and the best home warranty companies generally have positive customer reviews. Still, there are some complaints we see commonly about home warranties from property owners in Louisiana.
One of the most common issues we see in customer reviews of home warranty companies is denial of coverage on covered items. In most cases, this is due to exclusions in the service contract that were misunderstood. For example, if your air conditioning system goes down and your AC system is covered, coverage might be denied if the service tech determines that the issue was a result of improper maintenance. Damage caused by a lack of maintenance is usually not covered by home warranties.
Another complaint we see often is that out-of-pocket costs are higher than expected. In most cases, you’ll just be on the hook for a service fee, which averages around $85. However, home warranties have coverage caps that limit the payouts on certain items and annually. If you need a repair or a replacement — like a fridge replacement or major HVAC repair — there is a possibility that the coverage cap will be met, at which point you will have to pay the remainder of the charges. This often only happens with replacement costs and not repair costs.
Home warranties are usually a worthwhile investment, especially in an area like Louisiana. All it takes is one or two issues with your appliances or home systems per year for the home warranty to pay for itself.
For example, a typical service call to a plumber or electrician totals around $300. An appliance repair tends to be closer to $400, and if you need an appliance replacement, you could be looking at costs over $3,000. The average annual cost of a home warranty pales in comparison to what you’d pay out of pocket for two or more repairs per year. As such, most homeowners end up saving money with a home warranty.
For many people, a home warranty cost is justifiable just for the peace of mind it provides. Having a home warranty in place means you won’t have to worry too much about unexpected home repair costs. Home warranties protect you from these expenses and help you budget and save more effectively.
Any homeowner can benefit from a home warranty, but they are particularly useful in certain situations. First, they can be a great option for providing peace of mind for first-time homebuyers who want to avoid high repair costs shortly after closing on a new home. They’re also a great option for real estate sellers, as they can cover repairs that are requested by the buyer or required prior to the sale.
Finally, home warranties are great options for homeowners who live in aging homes, like those in New Orleans, Baton Rouge, Shreveport, and many other major cities. Older home systems and appliances are far more likely to have problems.
A service fee is a price you pay for any repair to a system or appliance in your home. The service fee covers the cost of the technician coming to your home and handling the issue that comes up. Service fees range in price from $60 to $125.
Most home warranties offer roof coverage, either as a part of a pre-set plan or as an add-on option. Select Home Warranty includes roof coverage in all of its plans, although this is not the norm in the industry. You can always check your service contract before signing to see if roof coverage is included.
The best home warranty company in Louisiana is the Choice Home Warranty. With a Choice Home Warranty plan, you will get fairly price coverage, excellent customer service, and acceptance if your home is old or new. Choice Home Warranty is consistently one of the easiest home warranty companies to work with and serves a large portion of the Louisiana homeownership population.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
Additional Louisiana Home Warranties to Consider