Home Warranty Companies in Louisiana
2026 State Guide
Our data lists 10 of the 15 companies we track as serving Louisiana. AFC Home Club ranks first among them at 8.2 out of 10. Louisiana has warmed by about half a degree F since the early 1900s, much less than the national average.
Companies Available
10
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
Louisiana Secretary of State
Home-specific rules
Louisiana State Snapshot
Housing units
2,124,961
Owner-occupied rate
67.3% (US 65%)
Median home value
$208,700
Primary HVAC risk
Cooling (our reading)
Companies listed
10 of 15 tracked
Regulatory body
Louisiana Secretary of State
67.3% of Louisiana homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $208,700, 31% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Louisiana. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Louisiana's largest city, New Orleans, 51.2% of homes are owner-occupied and the median owner-occupied home is worth $315,700.
Source: Census Bureau QuickFacts for New Orleans, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Louisiana's climate puts cooling under strain, in our reading
Louisiana has warmed by about half a degree F since the early 1900s, much less than the national average. The number of very warm nights, with minimum temperatures of 75 degrees F or higher, has increased steadily since 2000. Four-inch extreme rainfall events have been generally above average since 1980. The summary projects historically unprecedented warming this century and discusses storm surge and sea level rise along the coast.
Air conditioning does most of the work here, so the cooling side of the HVAC cap is the number to check.
Source: NOAA NCEI State Climate Summary for Louisiana (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Louisiana estimate. 10 of 15 tracked companies serve Louisiana in our data; "Likely" and "Check" rows are not verified for Louisiana.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | LA |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Check |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Louisiana
Highest overall score among companies that serve Louisiana, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Louisiana
Check availability: Old Republic Home Protection, HSA Home Warranty, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Louisiana. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Louisiana Regulates Home Warranties
Regulator
Louisiana Secretary of State
Legal framework
Home service contract providers register with the Secretary of State (La. R.S. 51:3141 to 3146)
Louisiana's home service contract law, enacted in 2015 as Chapter 57 of Title 51 (R.S. 51:3141 to 3146), moved regulation of home service contract providers from the Department of Insurance to the Secretary of State and says the sale of a home service contract is not insurance and is exempt from the Louisiana Insurance Code. A provider of a home service contract sold in Louisiana files an application for registration with the Secretary of State. The Secretary of State's current form (revised January 2025) lists a surety bond of $50,000, a $600 initial filing fee, a registration lasting two years and a $250 renewal fee. A 2024 bill (HB 841) proposed moving the duty back to the Department of Insurance, and we did not confirm its outcome, but the Secretary of State's 2025 form shows it still handles registration.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
Checked against the official sources listed below. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Louisiana Secretary of State: home service contract provider registration form (revised 01/25, PDF)
- Louisiana Legislature: home service contract bill text
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Louisiana Homeowners
Check the company's registration or license
Our sources show rules in Louisiana that name home warranties, home service contracts or residential contracts. Ask the Louisiana Secretary of State whether the company you are considering is registered or licensed before you pay.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm the regulator
Louisiana's home service contract law places provider regulation with the Secretary of State under a 2015 act, and a 2024 bill would have moved it to the Department of Insurance. Confirm the current agency before you file a complaint. Details
Confirm coverage for your address
5 companies in our data serve only some states and are marked "check availability" for Louisiana. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Louisiana
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Louisiana's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Louisiana Attorney General: consumer dispute form
The Consumer Protection Section works to mediate and resolve complaints against businesses. Its form asks you not to enter sensitive information such as a Social Security number or a financial account or card number.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Louisiana
Which home warranty companies serve Louisiana?
What is the best home warranty company in Louisiana?
Which home warranty plan has the highest HVAC coverage in Louisiana?
How much does a home warranty cost in Louisiana?
How does Louisiana's climate affect which plan to buy?
Where do I file a home warranty complaint in Louisiana?
How are home warranties regulated in Louisiana?
Neighboring States
Compare All Louisiana-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Louisiana, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.