ALLCOMPANIES BLOGS
color_picker

Best Home Warranty Companies in Louisiana: Comprehensive Guide for 2025

For homeowners in Louisiana, a home warranty offers critical protection against the repair costs of essential systems and appliances. In this comprehensive guide for 2025, we’ll introduce you to Louisiana’s top 10 home warranty providers, covering their pricing, coverage, and service fees. Whether you’re dealing with humid weather or aging systems, these providers are equipped to handle it all.

Top 10 Home Warranty Providers in Louisiana

Here is the list of the best home warranty companies in Louisiana:

#1 RATED COMPANY

Elite Home Warranty

  • Premium
    -
    $44.99 - $59.99
  • Deductible
    -
    $0 & $70
  • Coverage Limit
    -
    $7,000
Call Now
Offers
$150 Off + 1 Month Free. 30 Day Free Trial!
phoneicon
48
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
$15,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Elite Home Warranty provides highly customizable plans that cover essential systems like HVAC, plumbing, and electrical, as well as major appliances such as refrigerators, dishwashers, and washers. Additional options include coverage for pools, roof leaks, and septic systems.
  • Price:  Plans start at $40 per month, with add-ons available at an extra cost.
  • Service Fee: Service fees range between $75 and $125.

Why We Picked Elite Home Warranty

Elite Home Warranty stands out due to its flexible, personalized coverage plans. Louisiana homeowners appreciate the ability to tailor protection to their needs, ensuring they only pay for the required coverage.

Moreover, Elite’s efficient claims process and commitment to customer satisfaction make it a top choice. Their focus on transparency and service quality ensures peace of mind for homeowners statewide.

Excellent Services

Home Warranty of America

  • Premium
    -
    $275 - $695
  • Deductible
    -
    $75 - $100
  • Coverage Limit
    -
    $400
Offers
$150 Off + 1 Month Free*
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
  • Price: Monthly plans range from $44 to $60, depending on coverage level.
  • Service Fee: Typically between $75 and $125 per service call.

Why We Picked Home Warranty of America

Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons. 

Comprehensive Coverage

The Home Service Club

  • Premium
    -
    $51.25 - $62.50
  • Deductible
    -
    $65,$95,$125
  • Coverage Limit
    -
    $800
Offers
$75 Off + 1 Month Free
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: The Home Service Club offers Standard and Comprehensive plans that cover major systems and appliances. Optional add-ons include coverage for roof leaks, sprinkler systems, and additional refrigerators.
  • Price: Plans start at $50 per month.
  • Service Fee: Service fees range between $75 and $125.

Why We Picked The Home Service Club

The Home Service Club’s comprehensive coverage and premium plan options make it an excellent choice for Louisiana homeowners. Their inclusive plans protect a wide array of systems and appliances.

In addition, their focus on quick claim processing and excellent customer support ensures a seamless experience. Homeowners seeking hassle-free protection will find The Home Service Club a valuable option.

Mike Holmes Protection

  • Premium
    -
    $48-$88
  • Deductible
    -
    $58-$85
  • Coverage Limit
    -
    $3k-$6k/item
Offers
$100 Off + 1 Month Free
phoneicon
36
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
$3k-$6k/item
Coverage Limits

Plans, Cost & Coverage

  • Pricing: $48 – $88 per month, with flexible plan options to fit different homeowner needs.
  • Service Fees: Deductible ranges from $58 – $85 per service call, ensuring affordability and quality service.
  • Coverage Limit: Offers protection up to $3,000 – $6,000 per covered item, providing substantial financial relief for repairs and replacements.

Why We Picked Mike Holmes Protection

Mike Holmes Protection stands out for its commitment to quality and homeowner convenience. With virtual assistance, round-the-clock support, and unlimited coverage for home systems, homeowners can rest assured they’ll receive quick and reliable service when needed. The brand’s strong reputation and network of trusted professionals ensure high-quality workmanship for every repair.

Best Customer Support

Liberty Home Guard

  • Premium
    -
    $50 - $60
  • Deductible
    -
    $90
  • Coverage Limit
    -
    $2000
Call Now
Offers
$200 Off + 2 Months Free + Free Roof Leak Protection
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
$2K/Item
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Appliance Guard, Systems Guard, and Total Home Guard—covering various home components.
  • Price: Plans start at $49.99 per month.
  • Service Fee: Approximately $90.

Why We Picked Liberty Home Guard

Liberty Home Guard is recognized for its commitment to customer service and providing a hassle-free claims process. Their wide range of coverage options ensures that homeowners can protect essential systems and appliances effectively. Liberty’s strong reputation for reliability and quality repairs makes it an excellent choice for those looking for a provider with proven expertise.

Nationwide Coverage

Regency Total Home Warranty

  • Premium
    -
    $39.99 - $58.90
  • Deductible
    -
    N/A
  • Coverage Limit
    -
    N/A
Call Now
Offers
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
$5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Regency Total Home Warranty offers plans covering HVAC, plumbing, electrical, and appliances. Add-ons include roof leaks, pools, and septic systems.
  • Price: Plans start at $39.99 per month.
  • Service Fee: The service fee is a flat $75.

Why We Picked Regency Total Home Warranty

Regency Total Home Warranty’s straightforward pricing and comprehensive plans make it a favorite among Louisiana homeowners. Their transparent costs and low service fees offer excellent value.

Additionally, their fast claim resolution and focus on customer satisfaction make them a reliable choice. Regency’s commitment to affordability and quality service stands out.

American Home Shield (AHS)

  • Premium
    -
    $29 - $79
  • Deductible
    -
    $100 & $125
  • Coverage Limit
    -
    $6000
phoneicon
48
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: American Home Shield provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. These plans offer coverage for home systems such as HVAC, plumbing, and electrical, as well as appliances like dishwashers and refrigerators. The ShieldPlatinum plan includes roof leak repair and higher coverage limits.
  • Price: Plans start at $39.99 monthly, with add-ons available at additional costs.
  • Service Fee: Service fees range between $75 and $125.

Why We Picked American Home Shield (AHS)

American Home Shield’s extensive coverage options and flexibility make it a standout choice. Their customizable plans ensure homeowners can select coverage that fits their needs and budget.

Furthermore, AHS has a strong reputation for reliability and efficiency, and it has a vast contractor network. Louisiana homeowners can trust AHS for consistent and comprehensive protection.

America’s First Choice

  • Premium
    -
    $33 - $56
  • Deductible
    -
    $75 - $125
  • Coverage Limit
    -
    N/A
Call Now
Offers
$250 Off + Free Roof Leak Coverage
phoneicon
50
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: AFC Home Club offers four plans: Systems, Silver, Gold, and Platinum. These plans cover a variety of systems and appliances, from HVAC to dishwashers. Optional add-ons include coverage for pools, sump pumps, and septic systems.
  • Price: Plans start at $32 per month.
  • Service Fee: Service fees range between $75 and $125.

Why We Picked America’s First Choice

AFC Home Club’s affordability and flexibility make it a popular choice for Louisiana homeowners. Their range of plans ensures customers can find coverage tailored to their needs.

Additionally, AFC stands out for allowing homeowners to choose their licensed contractors, adding control and trust to the repair process. Their extended plan options make them a reliable choice.

First American Home Warranty

  • Premium
    -
    $336 - $534+
  • Deductible
    -
    $85
  • Coverage Limit
    -
    $3,500
phoneicon
35
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: First American Home Warranty offers two main plans: Basic and Premier. The Basic plan covers appliances like refrigerators and dishwashers, while the Premier plan includes systems such as HVAC and plumbing. Optional coverage is available for pools, spas, and additional refrigerators.
  • Price: Plans start at $36 per month.
  • Service Fee: The service fee is a flat $85 per claim.

Why We Picked First American Home Warranty

First American Home Warranty combines affordability with reliable coverage. Their straightforward plans make it easy for homeowners to protect essential systems and appliances.

In addition, their prompt customer service and transparent pricing ensure a hassle-free experience. Louisiana homeowners seeking cost-effective protection will find First American an excellent choice.

ARW Home – American Residential Warranty

  • Premium
    -
    $45 - $84
  • Deductible
    -
    $125
  • Coverage Limit
    -
    N/A
Offers
2 Months FREE* on All Plans
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
$1K
Coverage Limits

Plans, Cost & Coverage

  • Coverage: ARW Home Warranty specializes in covering both systems and electronics. Their Platinum Premier plan covers HVAC, plumbing, electrical systems, and appliances like washers and refrigerators. Electronics coverage is available as an add-on.
  • Price: Plans start at $34.99 per month.
  • Service Fee: The service fee is $100 per claim.

Why We Picked ARW Home – American Residential Warranty

ARW Home Warranty’s inclusion of electronics coverage makes it unique in the market. Louisiana homeowners who want to protect their devices and systems will find ARW valuable.

Their 24/7 customer support and innovative coverage options ensure homeowners have the protection they need when it matters most. ARW’s focus on modern solutions makes it a strong contender.

Cinch Home Services

  • Premium
    -
    $27.99 ,$32.99,$39.99
  • Deductible
    -
    $100, $125, $150
  • Coverage Limit
    -
    $2,000
phoneicon
48
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Cinch Home Services offers three plans: Appliances, Built-in Systems, and Complete Home. These plans cover everything from essential systems to appliances, with the Complete Home plan offering the most comprehensive protection.
  • Price: Plans start at $34.99 per month.
  • Service Fee: Service fees range from $100 to $150.

Why We Picked Cinch Home Services

Cinch Home Services offers homeowners robust coverage options and unique benefits, such as a reimbursement feature for insurance deductibles. Its plans ensure maximum value for Louisiana homeowners.

Moreover, their efficient claim process and strong customer support make them a dependable provider. The flexibility of their service fee options further enhances their appeal.

America’s Preferred Home Warranty (APHW)

  • Premium
    -
    $39.58- $62.08
  • Deductible
    -
    $50, $75, $100, $125
  • Coverage Limit
    -
    $1,000
phoneicon
49
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: APHW offers customizable plans for systems and appliances. Optional coverage includes pools, septic systems, and sump pumps.
  • Price: Plans start at $39 per month.
  • Service Fee: The service fee is a flat $100 per claim.

Why We Picked America’s Preferred Home Warranty (APHW)

APHW’s contractor choice feature is a significant advantage for Louisiana homeowners. This flexibility ensures trusted professionals handle repairs.

Additionally, APHW’s transparent pricing and customizable plans make it a popular choice. Their focus on customer satisfaction and adaptability solidifies their reputation as a reliable home warranty provider.

Is A Home Warranty Right For You In Louisiana?

Owning a home in Louisiana comes with unique opportunities and challenges. From the cultural vibrancy of New Orleans to the serene landscapes of Lafayette, the state’s diverse environment offers a lot to homeowners. However, Louisiana’s hot, humid climate, frequent storms, and specific local risks can take a toll on your home systems and appliances. This is where a home warranty can play a crucial role. Let’s dive into how a home warranty could benefit Louisiana homeowners.

Why Louisiana Homeowners Should Consider A Home Warranty

Louisiana’s climate and weather conditions pose distinct challenges. Here are some key reasons why a home warranty might make sense for you:

What Does A Home Warranty Typically Cover In Louisiana?

When considering a home warranty, understanding coverage is crucial. Most plans include the following:

Because Louisiana homes often feature pools or unique systems like sump pumps, choosing a plan with customizable add-ons can provide extra value.

How To Choose The Right Home Warranty In Louisiana

Not all home warranties are created equal. Consider these tips to ensure you select a plan that suits your home:

  1. Evaluate Your Home’s Specific Needs
    • If you own an older home, prioritize a plan with extensive system coverage.
    • For new builds, focus on appliance coverage to complement existing builder warranties.
  2. Understand Local Risks
    • Choose a provider with coverage that addresses Louisiana’s climate-specific risks, such as surge protection or HVAC reliability.
  3. Compare Providers
    • Look for a provider with good reviews from Louisiana homeowners, 24/7 customer service, and technicians familiar with local challenges.
    • Evaluate coverage limits, deductibles, and service fees to ensure the plan offers value for money.
  4. Customizable Options
    • Louisiana’s lifestyle often includes pools or outdoor kitchens. Select a plan that allows you to add these features to your coverage.

Cost Of A Home Warranty In Louisiana

The price of a home warranty varies based on the level of coverage, home size, and provider. On average, Louisiana homeowners can expect to pay:

Investing in a home warranty is often more cost-effective than paying out-of-pocket for repairs. For instance, replacing an HVAC system can cost $5,000–$10,000, while a warranty covering this system might cost just a few hundred dollars annually.

Key Takeaways For Louisiana Homeowners

A home warranty can be a valuable safety net, particularly in Louisiana, where weather, humidity, and aging infrastructure present unique challenges. However, it’s essential to assess your home’s specific needs and research providers to find a plan that offers the right balance of coverage and affordability. 

By doing so, you can enjoy the peace of mind that comes with knowing your home systems and appliances are protected, no matter the challenges.

Is A Home Warranty Worth the Cost in Louisiana?

When protecting your home in Louisiana, purchasing a home warranty can feel like a complex equation. While it’s not a one-size-fits-all answer, several factors can help you determine if the cost of a home warranty aligns with your needs and provides value. Here, we’ll discuss the key aspects to consider and how they apply to Louisiana homeowners.

Understanding Louisiana’s Unique Homeownership Challenges

Louisiana’s climate and geography present unique challenges for homeowners. From the high humidity and frequent rain to the risk of hurricanes, homes in Louisiana experience significant wear and tear.

How Often Do Home Systems Break Down In Louisiana?

The lifespan of home systems and appliances can vary based on usage, maintenance, and environmental factors. In Louisiana:

Homeowners in Louisiana may see more frequent breakdowns than those in other states, making a home warranty a potentially cost-effective solution.

Comparing Costs: Repair Bills vs. Home Warranty Premiums

Comparing the average price of common repairs in Louisiana to the cost of an annual warranty plan can help assess whether a home warranty is worth the cost.

A home warranty may offset these expenses significantly over time for homes with aging systems.

Does Your Home’s Age & Condition Matter?

The age and condition of your home and its systems play a significant role in determining if a home warranty is worth it.

What To Look for in a Louisiana-Specific Home Warranty Plan

If you decide a home warranty is a good fit, ensure the plan is tailored to your needs. Here are some tips:

Who Benefits Most From A Home Warranty In Louisiana?

Certain homeowner groups may find more value in a home warranty:

#1 RATED COMPANY

$150 Off + First Month Free

Don't let broken appliance break the bank

Who Oversees Home Warranty Companies In Louisiana?

Home warranty companies operate under various regulations to ensure they provide reliable services and adhere to consumer protection laws. In Louisiana, specific regulatory bodies and laws designed to maintain accountability, transparency, and fairness oversee these companies. Here’s an in-depth look at Louisiana’s entities and regulations overseeing home warranty companies.

Louisiana Department Of Insurance (LDI)

The Louisiana Department of Insurance (LDI) plays a significant role in overseeing home warranty companies. The LDI ensures that service contract providers, including home warranty companies, comply with state laws and regulations. It also monitors these companies’ financial health, reviews their contracts for fairness, and addresses consumer complaints.

Service Contract Laws In Louisiana

Home warranty companies in Louisiana must adhere to the Louisiana Service Contract Law (RS 22:1810). This law outlines the rules and requirements for service contracts, including home warranties, to protect consumers from fraud and unfair practices.

Key provisions of the Louisiana Service Contract Law include:

Federal Oversight Through The Magnuson-Moss Warranty Act

While the Louisiana Department of Insurance primarily oversees home warranty companies at the state level, these companies are also subject to federal oversight through the Magnuson-Moss Warranty Act.

This federal law ensures that warranty providers offer clear and truthful information about their coverage. Although it primarily applies to product warranties, its principles often influence how home warranty companies operate, especially in ensuring contract clarity and fairness.

Third-Party Accreditation And Monitoring

In addition to state and federal regulations, many reputable home warranty companies seek accreditation from third-party organizations such as the Better Business Bureau (BBB) or industry associations like the National Home Service Contract Association (NHSCA).

Protecting Homeowners: Steps To Ensure Accountability

To protect themselves when purchasing a home warranty in Louisiana, homeowners should take the following steps:

  1. Verify Licensing: Confirm that the home warranty provider is registered and licensed with the Louisiana Department of Insurance.
  2. Research the Provider: Check the provider’s reputation through BBB ratings and consumer reviews.
  3. Understand the Contract: Read the terms and conditions carefully to ensure transparency and alignment with your needs.
  4. File Complaints When Necessary: If you encounter issues with your home warranty provider, file a complaint with the LDI for resolution.

Conclusion

Louisiana’s hot, humid climate creates wear and tear on air conditioning systems and appliances, making a home warranty especially important. For homeowners in areas prone to high temperatures, having coverage ensures quick and affordable repairs when systems fail.

Additionally, Louisiana’s vulnerability to severe weather events can lead to frequent system breakdowns. A home warranty provides a financial safety net and helps maintain home systems’ efficiency and longevity.