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6 best home warranty companies in Baton Rouge, Louisiana

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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Home warranties provide a financial buffer to repair or replace appliances that suddenly fail. For a monthly fee, these policies cover items like refrigerators and AC units when they malfunction with regular wear and tear.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically last just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today stop working after about 20 years.

If your Baton Rouge home contains aging dishwashers, furnaces or the like, you'll likely encounter an unexpected breakdown. These best home warranty firms provide robust coverage at a fair price.

With the scorching summer heat in Louisiana, air conditioner breakdowns in Baton Rouge are that much more taxing for homeowners. A home warranty from one of the national companies below will give you an easy and economical path to the future repairs you might need.

Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
3.8
Our Rating
  • Charges low premiums
  • Includes roof-leak coverage
  • Offers solid HVAC coverage
Explore Plans

Find the best home warranty for you in Baton Rouge

Here's our list of the best home warranty companies in Baton Rouge:

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees if your covered item can't be fixed or replaced.

What we like

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

What we don't like

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans
Liberty Home Guard

Liberty Home Guard

4.6/5

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

What we like

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 40+ add-on coverages
  • Provides an easy claims process

What we don't like

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Elite Home Warranty

Elite Home Warranty

4.4/5

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

  • Allows you to choose your technician
  • Extends a 90-day workmanship guarantee
  • Offers more than 25 add-ons

What we don't like

  • Charges higher service fees for high-end appliances
  • Doesn't provide an online quote
  • Limits repair and replacement coverage caps for older items
American Home Shield

American Home Shield

4.4/5

Average monthly costs: $29.99 - $89.99

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary add-ons.

What we like

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay

What we don't like

  • Doesn���t let customers choose their own technician
  • Offers limited add-on options
Cinch Home Services

Cinch Home Services

4.3/5

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

What we don't like

  • Charges high service fees of $100-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska
Select Home Warranty

Select Home Warranty

3.9/5

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

What we don't like

  • Has a $75 cancellation fee
  • Low coverage caps

Cost of a home warranty in Baton Rouge

The average cost of a home warranty in Baton Rouge is around the same as the national average, running from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties provide coverage for a variety of major systems and home appliances. We'll give you a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

  • Built-in microwaves
  • Cooktops
  • Clothes dryers
  • Dishwashers
  • Refrigerators
  • Washing machines

The first category of items a home warranty covers is major appliances. This covers the following: The second category of covered items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

  • Electrical
  • Central vacuum
  • Plumbing
  • HVAC
  • Water heater

What items are typically not covered under a home warranty?

Like other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. A common exclusion is breakdowns caused by damage outside normal wear and tear. For example, home warranties will probably not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is a routine maintenance task. Additionally, home warranties won't cover rust or corrosion damage, acts of nature, cosmetic damage, improper system or appliance installation, preexisting conditions and hazardous waste.

Questions to ask home warranty providers in Baton Rouge

Ask each home warranty provider these questions before you purchase a plan.

What items are covered by my policy?

Before asking a home warranty company for a quote, write down the specific systems and appliances that you need covered. Then, verify the company has plans meeting your needs. Some companies separate appliance and system coverage into different plans. Many companies also sell optional add-ons, covering things like roof leaks and wells. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

A typical home warranty plan is effective for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period is designed as a way to prevent customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If your area has no in-network contractors nearby, the warranty company may let you choose your own. You can verify a contractor's license by searching the Louisiana State Licensing Board for Contractors database.

How does your claims approval process work?

Knowing more about the home warranty company's claims process can improve your chances of getting a claim approved. Most companies accept claims online or via a 24/7 phone line. Once you file, the company will aim to reply within 24 to 48 hours. Filing outside normal business hours may lead to a slower process. Once the provider receives your claim, someone will review it and connect you with an in-network service provider. The contractor will schedule a visit, diagnose the problem, and then request final approval from the home warranty provider before starting repairs.

Can I transfer my policy to the next owner of my home?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies will handle the transfer without cost, while others charge a transfer fee. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are easily transferred to buyers.

Home warranty contract fine print

Before purchasing a home warranty, research the company's sample contracts and policies. Understanding a provider's terms and conditions can help you decide whether they're a suitable choice for you. It'll also help you stand up for your rights if you need to file a claim. Pay attention to these key stipulations and clauses:

  • Exclusions: Be sure to read more about component-specific exclusions in the home warranty company's sample contracts. Some parts of equipment might be excluded even if the appliance itself is typically included under the policy.
  • Cancellation: Companies commonly detail how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
  • Service call fee: Whenever you file a claim, the home warranty or repair company will levy a service call fee. These fees usually run from $75 to $125.
  • Workmanship guarantee: Home warranties typically offer workmanship guarantees of at least 30 days. If an in-network technician recently serviced your appliance or system, and you continue to experience issues with it, the company will not charge an additional service call fee for new repairs.
  • Coverage limit: Each home warranty has a coverage limit that sets how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.

Facts about Baton Rouge

Average High in July
89°F
Baton Rouge
83°F
National Average
Average Low in January
41°F
Baton Rouge
17°F
National Average
Average Daily Sunlight
73%
Baton Rouge
69%
National Average
Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
3.8
Our Rating
  • Charges low premiums
  • Includes roof-leak coverage
  • Offers solid HVAC coverage
Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Contact us at feedback@homefront.usatoday.com if you have questions or feedback on this article

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

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