Best Home Warranties in Lafayette, LA

Finding the right home warranty in Lafayette starts with understanding your household’s needs and matching them with the local climate’s demands. Here are four easy steps to find a policy:

1. Decide what coverage you need

Begin by deciding if you want coverage for appliances, systems or a combination of both. If your air conditioning, plumbing and electrical systems are relatively new but your appliances are older, an appliance-only plan might be sufficient. If your appliances are still under manufacturer warranty, but your AC system is aging, a systems plan is more suitable.

Many Lafayette homes, especially those in older neighborhoods like Freetown-Port Rico or the Oil Center area, rely on aging HVAC systems that are under year-round strain. A reliable plan should cover both systems and appliances, but in Lafayette, superior AC and roof leak protection are especially important due to high heat and humidity.

2. Compare costs

When comparing plans, factor in both premium and service fees. Service fees typically range from $75 to $125 per visit and can quickly add up if you file several claims in a year.

Given the frequency of severe rain events from April to October, roof-related claims are among the most common for Lafayette homeowners. Without add-on coverage, repairs from just one major leak could exceed $1,000, especially in homes with attic-installed air handlers or older shingles.

Also, look at coverage caps, as some providers may only cover part of a repair or replacement, leaving you with more out-of-pocket expenses. Consider the cost of add-ons like roof coverage or extra refrigerator protection, because these extras can noticeably change the total you spend each year.

3. Review sample contracts

Always request or download a sample contract before purchasing. This document will clarify what’s included, what’s excluded and any waiting periods or cancellation fees.

Read the HVAC maintenance requirements in the contract. In Louisiana's high-humidity environment, providers will be very strict about keeping filters clean and condensate lines clear. Also, understand the payout limits and terms of the roof leak add-on.

4. Read customer reviews

Local reviews are particularly valuable for understanding how a provider handles claims during Lafayette’s hottest months or after a major storm. Look for reviews from other residents of Acadiana, and pay close attention to feedback on AC repairs, especially mentions of humidity-related problems.

Satisfied customers often mention quick claim approval and reliable repairs, while negative comments may highlight delays or denied claims.

Lafayette resident Effie reached out to AHS about her air conditioner and said, “Within a day, I received a call informing me of the service schedule.” This kind of service impressed her, and she went on to say, “Each time I had inquiries or required assistance from AHS, they responded promptly and effectively. … I've never had to wait long for support.”

» MORE: Questions to ask a home warranty company

The average annual cost of a home warranty is $684 as of June 2025. A home warranty costs between $360 and $1,080 per year in Lafayette, based on premiums from the plans our top picks offer.

Cost range by home warranty provider

Monthly or annual premiums

Most companies will let you pay month-to-month or annually. Monthly payments make budgeting easier, while annual payments often come with a discount. Your total cost depends on the plan you select and the add-ons you choose.

Service call fees

Every time you request a covered repair, you’ll pay a service fee — usually between $75 and $150 — for a technician to come out and diagnose the issue.

Add-on coverage

Optional add-ons such as pool, spa, sump pump or roof leak coverage can cost anywhere from $2 to $25 per month per item.

Pool coverage is especially popular in Lafayette’s southside neighborhoods, where in-ground pools are more common. Septic system coverage is also frequently added by residents in unincorporated areas like Scott or Carencro.

Other home warranty cost factors

Home warranty pricing can vary for several reasons:

• Home size and type: Larger homes demand more coverage and higher premiums.
• Level of coverage: Basic plans are less expensive but cover fewer items, while combination plans cost more.
• Location: Your ZIP code (and labor costs that go with it) can affect premium pricing.
• Discounts: Look for multiyear and annual payment discounts or promotional offers.

Example: total annual home warranty costs

• Systems coverage ($55 per month): $660 per year
• Add-on for roof leak coverage ($10 per month): $120 per year
• Two claims ($100 service fee): $200
• Total: $980 per year

Home warranty plans in Lafayette typically come in three options: appliance, systems or combination plans.

• Appliance plans may include refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
• Systems plans focus on essentials like heating, plumbing, electrical, ductwork and water heaters.
• Combo plans offer protection for both systems and appliances.

Most providers also let you add extra coverage for things like pools, spas and sump pumps. However, roof leak coverage and septic system protection are the most valuable add-ons for a home in this area.

Hydeia from Lafayette has a Regency warranty and reported a problem with her septic system. After filing a claim, she said the technician “came out first thing the following morning when we got in touch with them. They identified and resolved our issue quickly."

» MORE: Can you get a home warranty on an older home?

The amount you save depends on which repairs and replacements you actually need, but one covered failure can easily pay for a year’s premiums.

Homeowners are often advised to budget 1% to 3% of their home’s value each year for maintenance and repairs, which is usually far more than the annual cost of a home warranty. If you avoid just one high-cost repair, your warranty may pay for itself several times over.

Average repair/replacement costs for covered items

In a city like Lafayette, where hot and wet summers strain HVAC systems, threaten plumbing with heavy rainfall and lead to roof leaks, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Lafayette without a home warranty: