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Louisiana is one of the most vulnerable places in the United States to own a home, as the area is a prime target for floods, hurricanes, wildfires, and tornadoes. Hurricane Katrina caused nearly $33 billion in insured losses in 2005.
Even during the years when catastrophic natural disasters aren’t on the radar, homeowners still face humidity, thunderstorms, and extreme heat, all of which can damage essential home systems and appliances. One study revealed that homeowners spend roughly 1% of their overall home cost in maintenance every year which, for Baton Rouge, Louisiana, can be more than $18,000.
A home warranty plan, also known as home appliance insurance or home repair insurance, can protect Louisiana homeowners from some of these unexpected repair costs. If you’re looking for a home warranty in Louisiana, keep reading to learn about the best providers in the state, top home maintenance issues faced by Louisiana homeowners, and important home warranty buying tips.
Louisiana is bordered by Arkansas, Mississippi, Texas, and the Gulf of Mexico. It’s the 25th most populous state in the United States and has been nicknamed the Sugar State, the Bayou State, and the Pelican State, among others.
Louisiana’s state flower is the magnolia, the state bird is the eastern brown pelican, and the Louisiana state tree is the bald cypress. Its most well-known city is New Orleans, but it’s also home to Baton Rouge, Shreveport, Metairie, Lafayette, Monroe, and Lake Charles. The state’s abbreviation is L.A.
As of 2013, Louisiana’s population was 4,670,724, with the largest percentage of residents residing in New Orleans. Louisiana has a rich historical background; Spanish explorers originally discovered the state, but it became a French crown colony in 1731. After being ceded to Spain and then reverted to France under Napoleon, it was sold to the United States in 1803.
The state is a leader in sulfur, salt, natural gas, and petroleum production, but it’s also known for its jazz music, crawfish and beignets, and the Mardi Gras festival.
According to Zillow, the median home value in Louisiana is $147,200, and the median price of homes for sale in Louisiana is currently $215,900. The data also shows that while home values have increased 1.2% since 2018, a slight decrease is projected over the next year.
Unique factors could be the reason for this drop-off, from the more noticeable effects of climate change in the region to the national attention its received for erosion, flooding, and hurricanes. The housing market is cooling down across the country and this, coupled with the high risks of homeownership in Louisiana, make a home warranty that guards against costly repairs worthwhile.
Nearly every home in the United States has at least one appliance and most homes have a full suite: a dishwasher, refrigerator, microwave, washing machine, and dryer are all common household items. While most appliances last roughly 10 to 15 years, they usually require regular attention in the form of maintenance or repairs during their lifetime.
Appliance repair costs vary by city and region, and the most common repairs also vary by locale. In Louisiana, regional factors like extreme heat and clay soils impact homes in unique ways. Here are some of the top home maintenance problems in Louisiana:
Whether you own a tiny home, mobile home, RV, duplex, or a standard single-family home, there’s protection available for you. Some home warranty providers provide policies that are specific to less common home types, like mobile homes, while other policies apply to a wide variety of homes.
Regardless of the investment you’ve put forth into your house, it’s wise to protect it. Whether you have a 100-year-old charmer in Baton Rouge or a mobile home outside of New Orleans, it can be eligible for home warranty coverage.
MORE: Is your mobile home covered? Learn about and compare mobile home warranty plans.
In general, home warranties cover major home systems and appliances, but the exact coverage terms vary from provider to provider. To ensure you’re getting the right plan for your home at a price you feel comfortable with, it’s important to understand what’s covered and if there are any special advantages to choosing one provider over another.
2-10 Home Buyers Warranty
One of the most trusted providers out there, 2-10 HBW offers two plans: a home warranty and a structural warranty for builders. The home warranty covers home appliances and systems, including the heating system, plumbing, water heater, electrical panel and wiring, refrigerator and ice maker, oven, dishwasher, built-in microwave, that break due to wear and tear.
2-10 Home Buyers Warranty plans don’t cover cosmetic defects, smells, noises, or cleaning. HVAC tune-ups, wine coolers, septic systems, pool equipment, and other major systems and appliances can be covered as optional add-ons.
The Home Service Club
This provider is known for its quick turnaround on claims. The company offers two plans, Standard Coverage and Comprehensive Coverage, that start at just $45.95 per month. Standard Coverage provides protection for common systems and appliances, like the HVAC, plumbing, water heater, electrical system, refrigerator, oven and range. Comprehensive Coverage includes all systems and appliances from the Standard plan with 15 additional items. Optional add-ons, like the roof, a spa, and pool equipment, are available with either plan.
Select Home Warranty
If your budget is tight but you still want comprehensive home protection, consider one of Select Home Warranty’s three plans. The Bronze Care plan covers appliances, Gold Care covers systems, and Platinum Care covers appliances and systems.
The company also offers more advantages to customers, like free roof protection, a 30-day trial, and a unique list of optional add-ons, like lawn sprinkler systems and septic systems. Coverage costs roughly $36 to $42 per month.
American Home Shield
This provider offers four plans, including an Appliance Plan that provides protection specifically for 10 major home appliances including the refrigerator, dishwasher, garbage disposal, oven, range, cooktop, built-in microwave, washer, and dryer. The other plans available are the Systems Plan, the Combo Plan, and the Build-Your-Own Plan. If you’re interested in customizing your coverage or want to focus solely on appliances, get a quote from American Home Shield. Coverage costs roughly $20 to $65 per month.
Note: Most home warranty providers won’t cover an appliance or system that has a pre-existing condition or hasn’t been properly maintained or installed. Read the fine print of your coverage contract to understand exactly what is and isn’t covered in your policy.
The cost of a home warranty for your house in Louisiana will vary depending on the provider you choose, the amount of coverage you’re interested in, the type of home you own, and other factors.
There are typically three types of home warranty plans available, which are split by the number and types of items covered. Most home warranty companies provide basic plans, combo plans, and optional-add ons, but other providers divide their plans into systems plans, appliance plans, and hybrid plans that provide coverage for both.
A one-year home warranty service contract typically costs between $300 and $600 annually, with basic coverage falling at the lower end of the spectrum and comprehensive coverage plans at the higher end. For example, 2-10 Home Buyers Warranty coverage plans start at $33 per month with a service fee of $100.
If you’re averse to a monthly payment, consider the long-term benefits. A study by Puls found that the average cost for an appliance repair ranges from $79 to $500, meaning that the annual cost of your Louisiana home warranty plan could “pay for itself” in between one and two service visits. This is especially true if the repairs cover major systems, like the air conditioning and plumbing, which can cost $1,500 or more for a complex repair.
Once you’ve purchased a home warranty for your property, the provider will typically make you wait for 30 days before coverage begins, although some providers offer shorter waiting periods (The Home Service Club has a 10-day waiting period for customers).
When your plan goes into effect, you can contact the home warranty company anytime you notice an appliance or system that isn’t working correctly or is broken. Most providers have a 24/7 number you can call, or you can submit your claim online. Your claim is usually approved within 24 to 48 hours, but some home warranty companies may delay response for claims submitted on weekends and holidays.
Here’s a theoretical example of what you could expect if your HVAC system went out in the middle of July:
Note: The best home warranty companies in Louisiana won’t charge you multiple services fees for repeat visits and appointments if the problem persists after the initial repair or replacement.
When deciding whether a home warranty is suitable for your living space, it can be insightful to take a look at the items that will be covered under the plans you’re considering and decide if they’re of value. For example, if your HVAC system is old or has broken down frequently in previous years, the warranty can come in handy to provide coverage for issues in the sweltering summer months.
Similarly, if you cook regularly and can’t imagine going without your stove, built-in microwave, range hood, or refrigerator for weeks, much less paying for costly repairs to these appliances, you can benefit from a home warranty.
If the home warranty plan provides you coverage over an appliance or system that you consider “essential” to your lifestyle, the peace of mind the plan provides you will be invaluable.
As you consider how to protect your investment, it’s important to read the fine print of the contract you’ll sign and to weigh all options prior to signing on the dotted line. For example, some providers may build in wiggle room that makes it easier for them to deny payouts.
Here’s a list of what to look for when considering a home warranty provider in Louisiana:
Of the home warranty companies we’ve recommended for Louisiana, only 2-10 Home Warranty has received an A rating from the Better Business Bureau and is BBB accredited. However, Select Home Warranty follows close behind with B and B+ ratings, respectively.
While the information available on the Better Business Bureau website about each company is insightful, it isn’t definitive with regard to whether a company is a good or bad option for your Louisiana home warranty. For example, while The Home Service Club is “Not Rated” on BBB, the company’s website has a host of positive reviews from real customers, like Pauline W. who, on October 8, 2019, wrote:
“With this weather in our place, an A/C is a need, a necessity! That is why I am so happy that the A/C in my son’s room, which got broken last week, was repaired by a professional in less than a day.”
The best warranty will be determined by your budget, preferences, and the type of plan you choose. We recommend 2-10 Home Warranty as one of the most trusted providers in the business, in addition to Choice Home Warranty and American Home Shield.
No, it shouldn’t.
While the answer depends from provider to provider, there’s likely a home warranty option available for you and your mobile home.
No, both old and new homes are eligible for home warranty plans in Louisiana.
While we recommend home warranty plans for any individual that owns a home, they’re especially valuable to first-time homebuyers and owners of older homes in Louisiana. A plan will also make sense for you if you’re not confident making repairs on your own or don’t have the time to do so.
Any of the providers listed in this article would be an excellent choice for coverage in Louisiana, but do your own research to supplement the information we’ve provided. Looking at consumer reviews on trusted websites, like the Better Business Bureau and TrustPilot, and reading the fine print on your contract contract are both things you should carefully do prior to making a commitment to any company. Local insight from friends, family, and neighbors who currently have a home warranty plan they’re happy with may also help lead you in the right direction.
Choice Home Warranty reviews tout its easy claims process. Learn about Choice Home Warranty coverage and costs, as well as its BBB rating and TrustPilot TrustScore.
Want to learn more about one of the newest home warranty companies? Here's our full review of Total Home Protection.
Natalie is a writer based in Raleigh, North Carolina. She enjoys all things creative, from design and decorating to cooking, photography, and gardening, and writes for a variety of digital publications, including her lifestyle blog.