Best overall
- Plans available
- Basic, Deluxe and Elite
- Monthly premium range
- $50 to $80
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Best Home Warranty Companies in Louisiana
- Best overall
Old Republic Home Warranty3.8(2,361) - HVAC coverage
American Home Shield3.6(111,735) - Claims handling
Choice Home Warranty4.1(77,562)
By:
Sarah Maier
+2 more
Edited by:
Matt Zane
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in Louisiana
Louisiana's heat and humidity keep air conditioners working overtime. That nonstop demand is why Old Republic Home Warranty tops our list as the best home warranty company in Louisiana. Its top-tier Elite plan pushes the HVAC coverage limit up to $6,500, and local reviews suggest that claims are handled quickly and efficiently.
Beyond HVAC, home warranty plans also extend to pool pumps, refrigerators and washers that Louisiana households depend on every day. Home warranty coverage in the state is usually between $49 and $110 a month on average, a reflection of just how expensive AC-related claims can get for insurers here.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,946,968 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Old Republic Home Warranty is a strong fit in Louisiana because of its high payout cap for HVAC repairs and replacements ($6,500).
Jump to insightBased on quotes we received from major home warranty companies, Louisiana homeowners pay an average of $76.10 a month for home warranty coverage on a three-bed, two-bath home. Annual premiums range from $590 to $1,320, which is higher than the national average. Service fees typically run $75 to $150 per claim.
Jump to insightGiven Louisiana's relentless heat and humidity, prioritize plans with strong HVAC caps and generous (ideally unlimited) refrigerant coverage.
Jump to insightOur 4 home warranty company picks in Louisiana
- Best overall: Old Republic Home Warranty
- Best HVAC coverage: American Home Shield
- Best claims handling: Choice Home Warranty
- Best value: Regency Total Warranty
Our research team reviewed home warranty providers with a substantial volume of customer feedback in Louisiana. Use this guide to compare plan options, contract terms and service fees to find a home warranty that fits your home and budget.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
Compare Louisiana home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 Old Republic Home Warranty | Learn More | 3.8
2,361 reviews
2,361 reviews
| Best overall | $50 | $100 or $125 |
 American Home Shield | Get a Quote | 3.6
111,735 reviews
111,735 reviews
| HVAC coverage | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.1
77,562 reviews
77,562 reviews
| Claims handling | $49.17 | $100 |
 Regency Total Warranty | Learn More | 3.4
1,166 reviews
1,166 reviews
| Value | $39.99 | $60 to $100 |
Our 4 Louisiana home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Louisiana on ConsumerAffairs.
Best HVAC coverage
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best claims handling
- Plans available
- Basic and Total
- Monthly premium range
- $49.17 to $57.50
- Service fees
- $100
- Labor guarantee
- 60 days
Best value
- Plans available
- EssentialGuard and TotalGuard
- Monthly premium range
- $83 to $89
- Service fees
- $60 to $100
- Labor guarantee
- None specified
Best home warranty companies by city
Home Warranties in Louisiana Buyers Guide
Jump into our guides and start learning
In this guide
Louisiana's hot, humid climate and flood risk create unique challenges. The state has a lot of older homes, particularly in New Orleans, which raises concerns about moisture and mold. We'll help you find coverage for Louisiana's specific risks.
How to choose a home warranty in Louisiana
To find the best home warranty in Louisiana, start by deciding which household items you need to protect. Compare plan features, sample contracts and reviews to identify a provider that matches your budget and needs. Follow these steps to choose the right plan:
1. Decide what coverage you need
First, determine whether you need a plan for appliances, systems or both. If your HVAC, plumbing and electrical systems are in good shape but your appliances are showing their age, an appliance plan might be enough. If your appliances are newer but you're worried about a costly AC or furnace repair, systems coverage will provide reassurance.
Louisiana has older homes, especially in New Orleans and coastal areas. If your home was built before 1980, prioritize systems coverage. Coastal properties benefit from plans that don't exclude sediment damage, while rural properties may want to prioritize septic coverage.
2. Compare costs
Look beyond just the monthly premium. Pay attention to coverage caps as well, since some companies only pay a portion of expensive repairs. Be sure to include service fees, which usually range from $75 to $150 per service call.
Keep in mind that multiple repairs may cost multiple service fees. For example, Phani from Shreveport reported, "You only have 30 days to resolve the issue with a $75 co-pay. Many of these problems require replacements that take longer than 30 days to process.” Because of this, they were required to pay another $75 for the same issue.
3. Review sample contracts
Most home warranty companies have sample contracts posted online, letting you see exactly what is and isn't included before you buy. Carefully read through for exclusions, such as preexisting issues or improper installation. Contracts will also detail claim processing, waiting periods, coverage limits and cancellation fees.
When reviewing contracts, pay careful attention to flood and weather exclusions since many plans exclude hurricane damage and water intrusion from storms. If your home has a sump pump, septic system or secondary AC unit, verify that these items can be added as optional coverage.
4. Read customer reviews
Customer reviews are invaluable for seeing how a company actually performs. Look for patterns in claims approval, technician punctuality and transparency of pricing. For example, Judy from Mandeville reported, "Our AC compressor went out in 100-degree Louisiana heat. They gave us the run around for an entire 7 days."
In Louisiana specifically, pay close attention to how companies handle water and storm damage claims. Experiences can vary between coastal and inland or rural and urban areas. Positive reviews typically mention efficient claims and responsive service, while negative reviews may highlight slow responses or denied claims.
» MORE: Steps to buying a home warranty
How much does a home warranty cost in Louisiana?
A home warranty in Louisiana costs $76.10 per month, on average. Home warranty premium costs generally range from $49 to $110 per month, depending on the plan. The average cost of a home warranty in Louisiana is 12.5% higher than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in Louisiana for a three-bed, two-bath home in New Orleans.
| Provider | Monthly premium range* | Service call fee |
 | $50 to $80 | $100 or $125 |
 | $49.99 to $109.99 | $100 or $125 |
 | $49.17 to $57.50 | $100 |
 | $83 to $89 | $75 |
| $50 to $80 | $100 or $125 |
| $49.99 to $109.99 | $100 or $125 |
| $49.17 to $57.50 | $100 |
| $83 to $89 | $75 |
*Data from July 2026
What does a Louisiana home warranty cover?
Louisiana home warranty plans generally come in three coverage types: appliance plans, systems plans and combination (combo) plans.
- Appliance plans protect items such as refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
- Systems plans focus on vital systems like heating, plumbing, electrical, water heaters and ductwork — essential in Louisiana, where storm-related breakdowns are common.
- Combo plans extend coverage to both systems and appliances for maximum protection.
Many companies provide optional add-ons for even more protection. In Louisiana, consider add-ons for roof leak repair, sump pump coverage and septic system protection if you're in a rural area.
Reviewers' experience filing home warranty claims in Louisiana
- Beverly in Baton Rouge sees a lot of warranty companies as a realtor, so she paid attention when a friend raved about Choice. When her AC acted up, she said, "The process was straightforward: I called them to report the problem, and their response was immediate." A tech arrived and replaced the whole unit, sparing her a huge bill.
Key takeaway: A simple claim process can prevent big surprise repair costs
- Charles in Shreveport had an electrical issue and expected the usual hassles, but this time the process felt smooth. He said, "Submitting the claim for my electrical issue with AHS was straightforward." After that, "The tech who visited was professional, courteous and punctual," and the fix held up, even after past contractor letdowns.
Key takeaway: Competent, punctual techs can make repairs stress-free
- Richard in Abita Springs called for help when his ice machine quit, but the claim turned into a battle. After the diagnosis, the case manager said it was not covered because “this does not constitute a normal wear and tear failure.” Richard walked away feeling the company would “find any means to deny a claim.”
Key takeaway: Coverage disputes can end in denial even after diagnosis
How much can you save with a Louisiana home warranty?
How much you save depends on the repairs or replacements you need each year. Even one major breakdown can justify the price of a home warranty.
The Consumer Financial Protection Bureau recommends saving 1% to 3% of your home's value each year for repairs and maintenance. That's usually much more than the $700 to $1,200 you'd pay for a home warranty plus a few service fees. One covered repair could potentially save you thousands.
Average repair/replacement costs for covered items
Louisiana's high humidity, flood risk and hurricane season create constant repair pressures. Water intrusion and mold damage plague older homes, especially in New Orleans. Electrical corrosion from humidity is common. Hurricanes and tropical storms cause severe damage. Here's what typical repairs cost in Louisiana without coverage.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
| Electrical | $150 to $500 | $2,000 to $4,500+ | Yes |
FAQ
How does a home warranty work?
A home warranty is a type of contract that covers repairs and replacements for your home's systems and appliances. You pay a set monthly or yearly fee and a service fee each time you need a repair.
When something breaks, you make a claim, and a professional inspects and fixes the problem. If it can’t be repaired, the company helps with a replacement.
Coverage depends on your chosen plan, with set limits in place.
Is a home warranty worth it in Louisiana?
A home warranty might be worth it in Louisiana if your home is in bad shape or an unexpected repair bill could cause you financial hardship. However, if nothing in your home breaks down, the money you spent on a home warranty would be for nothing. Analyze your personal risk level and purchase accordingly.
What does a home warranty not cover?
Most home warranty contracts exclude preexisting issues, cosmetic flaws, improper installation and items still under a manufacturer's warranty. Regular maintenance, structural parts of the house like walls and windows and landscaping are also not covered.
Many plans exclude flood damage from hurricanes or tropical storms. Mold damage is often excluded. Sump pump failures may not be covered unless added. Check your contract carefully for weather-related exclusions.
Coverage limits also apply. For example, your septic system coverage could top out at $2,500 per year. If pumping and repairs total $4,100, you'll be paying $1,600 out of pocket, on top of your service fee.
What’s the difference between a home warranty and homeowners insurance?
The main difference between a home warranty and homeowners insurance comes down to the events they cover:
- Home warranties cover the cost to repair or replace home appliances and systems that break down through normal use.
- Homeowners insurance covers loss or damage to your home or belongings caused by specific perils named in your policy. These usually include fires or vandalism.
While they may cover some of the same items, they’re meant to be used in different situations.
How long do home warranties last?
Home warranty coverage usually lasts 12 months, though you can pay monthly for most plans. Pay attention to any waiting periods (often 30 days from sign-up).
Do home warranties cover sump pumps in Louisiana?
Some home warranties cover sump pumps in Louisiana. Sump pump protection is often an optional add-on, so homeowners should verify whether the pump, related components and water damage are included or excluded.
Methodology
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Louisiana, then evaluated which performed best for local residents.
Here's how we scored each company:
- Local satisfaction rate (40%): Reviews from real customers in Louisiana are worth more than a company's nationwide reputation. If a company has a poor technician network locally or frequently denies Louisiana homeowners' most frequent complaints, we capture that in our review analysis.
- HVAC coverage (35%): Louisiana's climate puts real strain on HVAC systems, and refrigerant costs run high. We weighted each company by how its plans handle HVAC coverage caps and refrigerant charges, since a low cap here can leave Louisiana homeowners with a large bill even after a claim is approved.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Louisiana. We also considered the lowest service fees each company offers.
- National satisfaction rate (10%): To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
- Additional benefits (5%): We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
Note: Each superlative emphasizes certain factors more than others. For example, the "Best value" superlative weights cost at 20%, while "Best claims handling" gives more weight to reviews that mention the claims process and customer service.
Guide sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
- Louisiana State Legislature, “CHAPTER 5. NEW HOME WARRANTY ACT.” Accessed July 13, 2026.
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Compare top Louisiana home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Old Republic Home Warranty
| 3.8
2,361 reviews
| Offers customizable home warranty plans to current homeowners, homebuyers and sellers in 26 states. Costs vary by state and plan level. Optional coverage choices available. | Read reviews |
|
American Home Shield
| 3.6
111,735 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. $5,000 coverage limit on HVAC; up to $2,000 or $4,000 on appliances. | Get a Quote |
|
Choice Home Warranty
| 4.1
77,562 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
|
Regency Total Warranty
| 3.4
1,166 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
Liberty Home Guard
| 4.6
1,947 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
HomeSafe
| 4.3
699 reviews
| Customizes home warranty plans in most states. Plans start 25 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Read reviews |
ARW Home
| 4.4
2,961 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
Cinch Home Services
| 4.1
12,560 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
Prestige Home Guard
| 4.2
10 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
Select Home Warranty
| 3.7
16,627 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Global Home USA
| 3.2
15 reviews
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Super
| 2.7
445 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
HomeServe
| 1.6
2,144 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $4.99 a month. | Read reviews |
First Premier Home Warranty
| 1.7
688 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
America's Preferred Home Warranty
| 1.6
17 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
Sears Home Services
| 1.1
553 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.1
6,818 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
GE Service Contracts
| 1.2
367 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
ServicePlus Home Warranty
| 1.2
1,978 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
Home Warranty of America
| 1.1
4,056 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
The Home Service Club
| 1.2
823 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
AFC Home Warranty
| 1.0
2,281 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
Home Warranty Inc
| 1.0
23 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Frontdoor
| 1.0
30 reviews
| Free app offers one live chat session with experts, plus access to vetted local providers for in-home services. Free how-to maintenance articles available. Free and paid membership plans. App available nationwide. | Read reviews |
American Home Protect
| 1.0
137 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $85 to $100 service fee. Unlimited claims for covered repairs. | Read reviews |
Complete Protection Home Warranty
| 1.0
View profile
| Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $29.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.0
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
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