Are you looking for the best home warranty in Louisiana?
You have come to the right place! In our review, you will find:
- What are the best home warranty providers in Louisiana?
- Are there any coverage options Louisiana consumers should select?
- How does the climate in Louisiana affect your need for a home warranty plan?
- And more!
Below are the top picks for Louisiana residents. Continue reading!
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
How Popular Are Home Warranties In Louisiana?
There has been a steady growth in the Louisiana population over the years. As of 2019, there are over 4.68 million people, making Louisiana the 25th most populated state in the USA. Of them, more than three million people are homeowners who want to protect their property with a home warranty. Why would they want to do that? Here are some of the most popular reasons why:
Do You Need A Home Warranty In Louisiana?
Home warranty policyholders in Baton Rouge, Metairie, New Orleans, Shreveport, and across Louisiana know that a service plan helps homeowners save time and money. The level of coverage you select may differ depending on your financial situation and the age of your home.
However, the climate in Louisiana can cause homeowners to have to make more frequent repairs. So, many owners decide to protect their homes with an affordable plan rather than dealing with the stress home repairs cause.
Whether you are working with a real estate agent to purchase your first home or have been a homeowner for many years, you should strongly consider purchasing a protection plan.
Top 3 Best Home Warranty Companies in Louisiana
Get Repairs Done Faster
When you purchase a home warranty plan from one of the best providers in Louisiana, you don't have to waste your time finding a contractor when a home system or an appliance breaks. Most home warranty companies have 24/7 customer service and emergency service contractors.
So, if you have a plumbing stoppage or your HVAC system stops working on a major holiday, you do not have to worry about finding a service provider to fix the problem. Even in non-urgent cases, most home warranty companies will have a qualified service provider at your home within 2 to 4 business days. At the same time, it could take weeks for a contractor you hire yourself to fit you into their busy schedule.
The Louisiana Climate Perpetuates Repairs
Another good reason you need a good home warranty is the hot, subtropical climate in Louisiana. With long, hot, and humid summers, it is crucial to have an operational air conditioning system.
HVAC systems are one of the most expensive in your home to repair or replace. So, it is essential to have coverage for this major home system.
Louisiana also gets frequent storms that cause power outages. While a home warranty will not cover storm damage, the right plan will cover your electrical system and appliances. Frequent power interruptions can wear on your electrical system and even cause power surges that destroy your valuable home devices.
What Plans Are Available For Your New Home?
There are dozens of home warranty companies in Louisiana, and many of the plans offered are similar. The majority of companies provide basic appliance and systems plans and total combo plans for both types of items. If you know that you want maximum coverage for your home, most companies offer add-on options for pools, septic systems, and pools.
However, it is essential to know what each plan covers. Otherwise, you might not purchase the right package for your needs.
Appliance packages cover your home's components like the clothes washer, dryer, dishwasher, garbage disposal, ceiling fans, garage door opener, and others that you use every day. No matter the age of your appliances, they are susceptible to breaking because you use them often.
Even if you own a new home, an appliance package can save you tons of time and money. It should be noted that an appliance package is what some companies consider as "basic coverage," as no systems are included.
Home Systems Plan
Each home has an electrical, plumbing, ductwork, cooling, and heating system that has to be maintained. Without a warranty when one of these major systems breaks, you are on the line for thousands of dollars to pay for repairs.
A home systems plan covers these systems, but not appliances. Many basic policies do not protect ductwork, cooling, and heating systems. So, some homeowners opt for a systems plan to include these expensive home components.
Individual appliance and home system plans are an excellent option for first time home buyers and homeowners on a budget. Basic coverage plans start as low as $275.
Total/Combo Plans and Add-Ons
Combo plans are also available. So, you can bundle one or more policies for even greater protection. Similar to how many companies brand individual systems or appliances plan as "basic," combo plans are also known in the industry as "total plans." For example, American Home Shield offers a combo plan that bundles 21+ home systems and items into one plan.
Add-on coverage gives owners the ability to cover pools, septic systems, and other components not included in a basic or premium plan.
Best Home Warranty In Louisiana?
Our #1 home warranty pick for Louisiana goes to Choice Home Warranty. Why? Because they extend support 24/7, are prepared to offer emergency services and have three plans to fit your needs as a homeowner in Louisiana.
How Do Home Warranties Give Home Owners Peace Of Mind?
Owning one of the best home warranty plans in Louisiana means that you have all of the essential home systems and home appliances covered. Even if the program that you have purchased does not include some items, like an additional refrigerator, central vacuum, or swimming pool, you can always add these items from the optional add-on list for a small fee.
Homeowners who decide not to purchase home warranty protection have to pay out of pocket when anything in their home breaks. They also have to search for a qualified service contractor to complete repairs.
You can avoid the stress of homeownership by allowing a home warranty plan to take care of service requests for covered items for you. All you do is pay the monthly or yearly fee for the policy and a service fee, which typically runs between $60 and $150, and your warranty company will pay the balance up to the limits on your plan.
So, you do not have to worry about spending days in a hot home if your air conditioner is on the fritz or washing your clothes by hand when your washing machine breaks and you do not have the money to call a service professional.
How Can You Save The Most Money With A Home Warranty?
Just by owning a home protection plan, you are well on your way to saving a ton of money. However, by following our simple tips, you can get even more out of your plan.
Cover All Of Your Home Systems And Appliances
The more coverage you have, the less you have to worry. There are dozens of appliances and systems in your home. Opting for a basic plan will help if one of the covered items breaks, but you are still leaving yourself financially responsible for each item that you do not cover.
Take Advantage Of Value-Added Services
Some companies offer the home service club members value-added services, like free air filters, low service call, and maintenance fees, free quotes, and more. As a customer, you should take advantage of these free services if you want to get more out of owning a home warranty plan.
Take Advantage Of Low Monthly Payment Options
When you purchase a home warranty, most companies will allow you to break the yearly premium down into monthly payments. The monthly payments for plans run from $25 a month for a basic plan to $150 a month for premium coverage and add-ons.
Looking For The Best Home Warranty Plan? - Read Our Research
As a resident of Louisiana, you deserve the best of the best when it comes to home warranty coverage. If you're looking for a top plan, be sure to check out this article on how to choose the plan for your needs.
If you are unable to pay for an entire plan in full, the monthly option is a great way to get the most coverage for 12 low payments.
Save Money By Paying For Your Plan Upfront
While breaking the home warranty plan up into monthly payments might be the best way for some owners to get full-coverage for their home, you can save money if you pay for the full year upfront. That's right, most home warranty providers in Louisiana give customers a discount if they pay for the entire plan upfront.
Choose A Plan With High Limits For Replacements
Most plans cover replacements and repairs. However, the coverage limits for each differ depending on the company you choose. So, it is best to select a company that will cover your appliances and home's systems in full if necessary.
Can You Increase the Value of Your Property with a Home Warranty?
In Louisiana, real estate agents noticed that houses covered by a home warranty sell faster and at a better price. The buyer is less likely to negotiate the price if they know that any unexpected repairs of home systems and appliances are covered under a home warranty.
On the other hand, home sellers are also happy to have their houses covered under the best home warranty plans in Louisiana. In case something breaks when the house is on the market, they don’t incur additional extra expenses.
Top home warranties in Louisiana, allow contract transfers from home sellers to home buyers, and some companies do not even charge a fee for the transfer.
First Time Home Buyer Tips - Read Our Blog
Are you looking forward to buying your first house? Don't rush! Read our blog first. You may find some useful tips about first time home buying and what comes with it. Build your budget, get a good home warranty plan, and watch for those surprise costs!
Once the home warranty in Louisiana is transferred to the home buyer, it will be renewed automatically on an annual basis unless canceled. Cancellation with refund is usually available within a limited amount of time. In most cases, you have up to 30 days from the contract expiration date.
The home warranty companies offer a huge variety of home warranty plans to Louisiana customers. Which one is best for you? We have analyzed over 100 plans and selected the ones that offer the best balance in terms of price and coverage. Here we offer you a guide on how to select a home warranty step-by-step, and how to choose the right plan for your house.
Are There Home Warranty Regulations In Louisiana?
Builders in Louisiana have to provide a warranty with any new home they sell. However, builder warranties will only cover the building itself. The new home warranty does not have to include appliance protection and only covers home systems for two years.
So, even new home buyers can benefit from a warranty protection plan. If a builder warranty covers your home, you can opt for a less expensive appliance package until you need more comprehensive coverage.
Still wondering if a home warranty is worth it for you? Check out this expert video.
Are There Additional Tips For Buying A Louisiana Home Warranty?
Buying a home warranty in Louisiana is a smart move for all the reasons we mentioned: saving time and money, preserving your peace of mind, and a possible increase in the value of your property.
However, you should exercise caution while buying a home warranty to avoid any disappointment later. Reading consumer reviews created and comparing the home warranty companies in Louisiana will help you select the best home warranty plan for your house.
When selecting the items that you want to be covered under a home warranty, pay attention to the list of covered and non-covered items, as well as the coverage limits because they vary from company to company.
What Are The Top 5 Best Home Warranty Companies In Louisiana?
Below we compiled information for each of the best home warranties in Louisiana, including valuable information about the company, a brief overview of the coverage options, and pros and cons. These five companies offer comprehensive plans with generous coverage limits, which is why we recommend them for Louisiana homeowners.
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem
Service Plus Review
Why Do We Like Service Plus?
Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
Closing Thoughts on Home Warranty Coverage in Louisiana
Choosing the right provider for your home is difficult, as most companies have different plans and have different price points. But, because you have reached the end of this review, the fun part of making a purchase on a home warranty just got started.
Overall, if you're looking for quality coverage and comprehensive plan options in LA, Choice Home Warranty is the best option. Not only is it our editors pick, but their affordable policies make adding pool coverage, septic coverage and roof leak to any plan a great deal.
Now that you have an idea of which home warranty provider is the top pick in Louisiana, we encourage you to make the move and give your home the protection it needs.
Looking for a home warranty in a nearby state? Check out our comprehensive reviews on states like Mississippi.