Highlights
- Choosing a house guarantee in Louisiana means discovering protection that may deal with the challenges posed by the state’s scorching, humid, and wet local weather. Liberty House Guard’s emergency companies present peace of thoughts throughout the scorching, humid summers — while you depend on vital programs like air conditioners, sump pumps, and back-up turbines essentially the most. And whilst a more recent firm, Liberty will get optimistic critiques for its responsive claims service.
- For the quickest repairs, take a look at American House Defend. It fixes most points inside a day, which is vital when your AC fails within the warmth and humidity. It additionally covers preexisting issues in older houses, that are widespread in Louisiana.
- Rigorously learn what every firm covers and excludes. Ensure your coverage contains the house programs you need repairs on in the event that they break. You probably have costly residence programs and luxurious/premium home equipment, Elite House Guarantee covers as much as $10,000 for programs and $6,000 per equipment.
House warranties have a foul fame in Louisiana. You hear about denied claims, complicated contracts, and pushy gross sales ways. With scorching, humid climate, repairs could be tense and expensive right here. No surprise individuals strategy residence guarantee corporations fastidiously. That stated, a good firm can prevent hundreds on pressing repairs.
So, I totally researched Louisiana’s high residence guarantee choices. I in contrast actual pricing, learn the high-quality print on exclusions, spoke to actual customer support representatives, and evaluated hundreds of critiques. I graded every supplier primarily based on key components like protection, customization, customer support, fame, and price. This course of helped me determine the greatest residence guarantee corporations in Louisiana providing complete protection at honest charges.
My strict evaluation course of means these suppliers can reliably deal with claims statewide — together with frequent points like AC breakdowns and plumbing points. Louisiana’s local weather means AC models and plumbing get heavy use. I’m assured the highest 5 corporations on this information will present robust protection for routine repairs and upkeep in your Louisana residence.
Why Belief Us?
Right here’s how we ranked and reviewed the nation’s high residence guarantee corporations to deliver you essentially the most correct info.
76
Our workforce of consultants reviewed over 70 residence guarantee suppliers to match plan choices, protection limits, costs, and buyer suggestions.
152
We collected over 100 pattern quotes from dozens of residence guarantee corporations to present you an correct take a look at {industry} pricing.
6
Our ranking system scores suppliers primarily based on 6 key components: protection choices, affordability, buyer expertise, fame, claims processes, and availability.
Learn our full House Guarantee Assessment Methodology for extra particulars.
Prime 5 Maryland House Guarantee Corporations
My Knowledgeable Advice
Immediately’s House owner Suggestions
Once I researched residence guarantee corporations in Louisiana, two stood out — Liberty House Guard and Elite House Guarantee.
Once I researched residence guarantee corporations in Louisiana, two stood out — Liberty House Guard and Elite House Guarantee. Liberty has wonderful customized plans, providing essentially the most add-ons I’ve seen (41 complete). Choices like generator, sump pump, and roof leak protection are necessary within the state on account of its excessive rainfall and frequent storms. With warmth waves in Louisiana, Liberty’s emergency companies present peace of thoughts for pressing HVAC and different vital repairs.
For luxurious or high-end home equipment, I like to recommend Elite House Guarantee. As a BBB-accredited firm, Elite has a stellar fame. Its protection caps go as much as $6,000 for home equipment and $10,000 for programs — very beneficiant limits for premium gadgets. After all, all plans have exclusions, so evaluation what’s lined totally first to ensure all the things you need protected in your house is roofed. However Liberty’s customization and Elite’s excessive limits make it simpler to safeguard your property right here.
Immediately’s House owner Suggestions
I like to recommend purchasing round and getting quotes from a minimum of three residence guarantee suppliers earlier than you signal a contract. Many suppliers have promotions over the cellphone or on-line to offer you further financial savings, so I at all times advocate each calling in and requesting a quote on-line to get one of the best deal you’ll be able to.
Louisiana House Guarantee Corporations I Didn’t Embody
I didn’t embody Landmark House Guarantee in my suggestions on account of worrying critiques and lack of Higher Enterprise Bureau (BBB) accreditation. Regardless of being in enterprise for 18 years, Landmark has poor shopper critiques, a number of complaints, and some pending lawsuits throughout the nation. Whereas no firm satisfies everybody, this historical past raises purple flags for Louisiana householders.
I additionally eliminated Cinch House Companies from consideration. Cinch has previous lawsuits over the alleged violation of the Phone Shopper Safety Act. It has a number of on-line complaints about it breaking Unfair, Misleading, or Abusive Acts or Practices (UDAAP) legal guidelines, so I don’t really feel snug suggesting Option to Louisiana residents.
Examine The Highest-Rated House Warranties In Louisiana
| Firm | Star Ranking | Greatest For | Month-to-month Price | Service Charge | Response Time | BBB Ranking |
|---|---|---|---|---|---|---|
 |
Greatest for Customization |
$50-$60 |
$75 |
12-48 hrs. |
NR |
|
|
Greatest Protection Limits |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
||
 |
Greatest Buyer Rankings |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
|
 |
Greatest Claims Acceptance |
$46–$55 |
$85 |
24-48 hrs. |
B |
|
 |
Greatest Worth |
$52–$58 |
$60 |
24-48 hrs. |
B |
|
 |
Greatest for Extra Advantages |
$38–$62 |
$75–$125 |
48 hours |
B |
|
 |
Greatest Equipment Protection |
$38–$48 |
$75–$125 |
48 hours |
B |
|
|
Greatest for Preventative Upkeep |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
Quote and price knowledge gathered January 2024. Price knowledge are up to date and monitored constantly.
Our Evaluations of the Greatest LouisianaHome Warranties
Greatest for Customization
Liberty House Guard
4.6
Our Ranking
Restricted Time:
$200 Off + 2 Months free + Free Roof Leak Protection
The place Liberty actually stands out is customization. It gives over 40 protection add-ons for distinctive residence protection for gadgets like turbines, that are widespread within the state as a result of common six-plus energy outages it has annually. And with Louisiana’s hurricane dangers, having the flexibleness to tailor your plan with issues like elective generator protection to maintain up with the ability outages and sump pump safety to ensure your basement stays dry are so worthwhile. You additionally get nice 60–day workmanship ensures, exceeding the 30–day commonplace. Between personalized protection, stellar fame, and coverage perks, Liberty delivers plans tailor-made to your property’s wants.
I do know most residence guarantee corporations get unhealthy on-line critiques. However in comparison with different suppliers, Liberty has a better diploma of optimistic suggestions — a lot greater than rivals. It additionally covers what most rivals don’t — as much as two moveable or window AC models, which many households in Louisana personal as a result of state’s warmth and excessive humidity. For fame, flexibility, and protection, Liberty is a best choice in Louisiana.
Liberty House Guard’s foremost draw back is that its protection caps max out at $2,000 — decrease than rivals like Elite House Guarantee with $6,000 caps. And its add-ons run expensive, averaging $15 month-to-month versus $6 for Elite. Liberty was based lower than ten years in the past (in 2017), so it lacks expertise versus long-running suppliers like American House Defend. Customers report relentless gross sales calls and excessive cancellation charges, too. Liberty has fastened service charges and excludes preexisting defects.
Lately, Liberty’s A+ BBB ranking was revoked and changed with an NR (not rated) ranking till the BBB can totally evaluation latest complaints and both reinstate its ranking or decrease it. Liberty’s charges additionally begin greater than these of rivals — $49.99 a month could also be an excessive amount of for some budgets right here. For householders searching for most protection and monetary flexibility, think about extra established manufacturers equivalent to American House Defend or Choose House Guarantee. However for many Louisiana houses with out ultra-high-end programs and unusual home equipment, Liberty nonetheless protects sufficiently. Simply know its caps and pricing aren’t one of the best accessible.
Backside Line: 9.3/10
Coping with excessive warmth and humidity, Louisiana householders want robust safety from system and equipment breakdowns to ensure they’ll sustain with utilization — my high suggestion is Liberty House Guard. At round $50 month-to-month, I reward its reasonably priced and customizable plans. Liberty stands out with distinctive add-ons like pest management, swimming pools, and carpet cleansing — choices I haven’t seen elsewhere. And as I discussed earlier, its generator add-on is beneficial since many houses have backup energy on account of frequent energy outages within the state. These versatile choices present peace of thoughts that your home equipment and programs are lined. Liberty additionally will get nice customer support scores.
The one disadvantage is Liberty’s $2,000 protection caps. These could not adequately cowl luxurious or high-end home equipment — American House Guarantee and Elite House Guarantee provide greater limits. However for most traditional programs, the caps ought to sufficiently shield them. Liberty doubles {industry} requirements with a 60-day workmanship assure that gives further no-charge repairs if a technician wants to return again once more for a similar situation.
In the event you don’t want excessive caps and wish customization, add-ons, reasonably priced premiums, and stellar service, Liberty is a good alternative in Louisiana. Its tailor-made plans and perks present ample safety for many houses right here.
Plans and Protection: 10/10
Liberty House Guard helps you to deeply customise protection — with equipment, system, or mixed plans and 40-plus add-ons. For Louisiana’s hurricane dangers, this flexibility and elective restricted roof leak protection deliver peace of thoughts. Getting small leaks repaired earlier than hurricane season can forestall intensive water harm in your house. I’d select the mixed Complete House Guard plan for full safety of home equipment and programs. It solely prices $10 extra per thirty days than the fundamental plan.
Pricing begins affordably round $50 month-to-month, equaling nationwide averages. Most add-ons run $8 to $15 further, barely above common. One disadvantage is Liberty’s non-negotiable $65 to $125 service charges. However Liberty gives reductions to assist offset expenses. Once I received a quote, they supplied two free months with an annual fee — a $100-plus financial savings. I additionally received a $225 coupon to enroll.
A novel perk is Liberty’s 60-day workmanship assure, which is double the {industry} commonplace. This offers further safety if contractors don’t make repairs accurately the primary time. Between customized plans, reductions, and the 60-day assure, Liberty is a good alternative for Louisiana householders wanting personalized safety.
| Plan | Month-to-month Price | Service Charge | Accessible Reductions |
| Equipment Guard | $49.99 | $65 – $125 | 2 months free, $225 off coupon |
| Programs Guard | $54.99 | $65 – $125 | 2 months free, $225 off coupon |
| Complete House Guard | $59.99 | $65 – $125 | 2 months free, $225 off coupon |
Editor’s Observe: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in New Orleans, LA. The price knowledge introduced was correct on the time of publication.
Accessible Add-Ons
Liberty House Guard has essentially the most elective add-ons of all residence guarantee suppliers, at a complete of 41. Within the record beneath, you’ll see all of the accessible add-ons and their month-to-month premium on the time of writing. For Louisana houses, I significantly just like the restricted roof leak protection. The state will get round 57 inches of rain per yr, so having some roof leak protection is a plus.
- Carpet cleansing: $19.99/month
- Casita visitor unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics safety: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleansing: $14.99/month
- Ice maker (in-fridge): $3.99/month
- On the spot scorching water dispenser: $9.99/month
- Garden sprinkler system: $9.99/month
- Lights: $7.99/month
- Restricted roof leak: $11.99/month
- Pest management: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Extra spa: $9.99/month
- Energy washing (exterior flooring): $19.99/month
- Professional-series garments dryer: $4.99/month
- Professional-series dishwasher: $7.99/month
- Professional-series microwave: $4.99/month
- Professional-series vary/oven/cooktop: $12.99/month
- Professional-series fridge: $14.99/month
- Professional-series standalone freezer: $14.99/month
- Professional-series washer: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Salt water pool: $23.99/month
- Second fridge: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (as much as 65 inch TVs): $14.99/month
- TV mounting (as much as 85 inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Nicely pump: $12.99/month
- Window washing/cleansing: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
Listed below are all of Liberty House Guarantee’s exclusions. These are all commonplace exclusions throughout the residence guarantee {industry}.
- Beauty defects
- Cranes or different specialty autos required to put in, take away, or entry your home equipment or residence programs
- Damages brought on by acts of God, together with storms
- Disposal of home equipment, programs, or parts
- Electronics, computerized, “good,” or Web/enabled parts and components
- Filters related to any lined gadgets
- Fireplace sprinkler programs
- Flues, vents, chimneys, and exhaust strains
- Glass components
- Lighting
- Noise
- Radon and different leak detection monitoring programs
- Distant receiving and transmitting units
- Photo voltaic programs and purposes
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 8.9/10
Liberty House Guard gives competitively priced plans — beginning round $50 month-to-month, which is about common. Nevertheless, add-on prices run greater than most, with most over $15 per thirty days (rivals equivalent to American House Defend and Elite House Guarantee value most of their add-ons lower than $10). You’ll additionally pay $65 to $125 non-negotiable service charges for claims.
Moreover, Liberty solely covers as much as an merchandise’s “guide worth,” not the total pre-depreciation quantity (see pattern contract excerpt beneath). And its $2,000 per-item protection caps fall beneath different suppliers, equivalent to American House Defend at $3,000 and Elite House Guarantee at $6,000. However Liberty covers distinctive home equipment that others don’t. Add-ons for reverse osmosis filters and pro-series/luxurious tools allow you to cowl all home equipment and programs you want.
So, Liberty’s base plans are affordably priced, however the greater add-on prices, decrease caps, and guide worth payouts are drawbacks.. The flexibleness to cowl distinctive home equipment is a serious plus, although. Louisiana householders must weigh these execs and cons primarily based on their particular wants and programs.
Buyer Expertise: 7.8/10
Liberty House Guard makes enrollment easy for Louisiana householders. The web site and on-line quoting have been straightforward to navigate, and it was easy to customise protection and evaluate plans once I did my secret purchasing. When you’re enrolled, Liberty gives fast buyer help via chat, cellphone, and electronic mail. It additionally begins protection sooner than rivals — in 30 days relatively than the standard 60 days. Liberty’s restore assure offers assurance that any work might be carried out proper. Nevertheless, some on-line critiques observe a gradual response time while you file a declare, and others cite problem reaching a supervisor when they should escalate a difficulty, so I feel a 7.8/10 ranking is honest for this supplier. Nonetheless, for a streamlined expertise from quote to restore, Liberty delivers clear pricing, good accessibility, quick protection begin, and repair ensures.
Firm Repute: 9.1/10
Liberty House Guard is a youthful residence guarantee supplier however has earned a robust fame in its shorter time in enterprise, simply incomes my 9.1/10 ranking. No residence guarantee firm earns suggestions as persistently optimistic as that of Liberty House Guard. Out of hundreds of critiques, it stands far above rivals in buyer satisfaction. For Louisiana householders searching for dependable safety, Liberty is my high suggestion.
Though Liberty has a plethora of optimistic critiques, it was lately hit with a number of complaints on the BBB web site. Consequently, the BBB briefly revoked its earlier A+ ranking and now lists the supplier as NR (not rated). After contacting the BBB and speaking with a customer support consultant, I discovered that that is commonplace process. As soon as the BBB absolutely critiques the complaints, it’ll both revert LHG again to its A+ ranking or replace it to a decrease rating. It’s value mentioning that this state of affairs additionally occurred to Liberty beforehand on the BBB. After totally reviewing on each events, the BBB restored Liberty’s A+ ranking.
On a optimistic observe, its overwhelmingly nice Google and Trustpilot critiques cement Liberty’s fame. Customers spotlight distinctive service, easy claims processes, and quick situation decision. Detrimental critiques are only a few, with simply the occasional lengthy waits or shock charges talked about.
| Ranking Website | Ranking | Variety of Evaluations |
| BBB | NR* | Buyer Evaluations aren’t used within the calculation of BBB Ranking |
| Trustpilot | 4.7 | 2,368 |
| 4.7 | 9,998 | |
| Yelp | 1.5 | 52 |
*Below evaluation on account of latest complaints as of Feb 2024. Beforehand an A+ ranking.
Editor’s Observe: The scores offered have been correct on the time of publication.
Observe (as of two/26): The Higher Enterprise Bureau lately shifted LHG’s A+ ranking to “NR.” We reached out to a consultant from the Higher Enterprise Bureau, and so they advised us, “This enterprise shouldn’t be at present rated. BBB has lately acquired quite a few complaints in opposition to this enterprise and can situation a ranking after it has absolutely evaluated them.” When requested about whether or not they revoke scores after a rise in complaints, the rep stated, “Sure, in the event that they really feel they should evaluation the complaints first earlier than issuing an correct ranking.” This state of affairs has occurred to LHG twice within the final two years, however every time the BBB has restored its A+ ranking after a radical evaluation.
Claims Course of: 10/10
Liberty House Guard earns an ideal 10/10 ranking for claims service in Louisiana. It has a 12-hour common response time and invaluable emergency restore choices that many rivals lack. Liberty excels at addressing catastrophic failures like pipe bursts, AC breakdowns, and equipment leaks rapidly. Owners persistently reward the sleek claims course of and fast payouts after approval. Most claims get authorized inside 48 hours after the usual 30-day ready interval.
Availability: 10/10
Liberty House Guard gives its plans to all 50 U.S. states so Louisiana householders can anticipate a robust native community of skilled contractors accessible to restore any points of their houses.
Greatest Protection Limits
American House Defend
4.3
Our Ranking
Restricted Time:
40% Off Our Most In style Plan
American House Defend (AHS) offers distinctive protection choices that stand out in Louisiana. It contains roof leak safety (good contemplating how a lot rain the state will get) and has greater $2,000 to $3,000 protection limits. AHS covers rust, corrosion, and preexisting circumstances, too. It additionally helps you to customise service charges. With 50-plus years of perfecting contractor relationships, AHS can entry specialised restore assist for any wants. This experience delivers nice safety for Louisiana’s older houses vulnerable to climate harm.
Given American House Defend’s a long time of expertise, I’m involved by their considerable damaging buyer suggestions on websites just like the BBB versus rivals like Liberty House Guard and Choose House Guarantee. Its historical past and contractor scale amplified these purple flags for me. Surfacing points like sudden price hikes and brief 30-day workmanship ensures point out room for transparency and repair enhancements regardless of benefits like robust protection maximums.
Backside Line: 8.6/10
With over 50 years of expertise, American House Defend earns its 8.6/10 ranking for robust protection limits and contractor networks. It offers greater caps — as much as $4,000 for home equipment and $5,000 for programs, beating rivals with $3,000 maximums equivalent to Choose House Guarantee. This makes AHS an excellent worth for Louisiana houses with high-end tools. Its giant contractor community additionally permits broad, respected restore help throughout the state.
Whereas I discovered quoting and purchasing on-line simple with AHS, some downsides exist. It has many damaging critiques on Trustpilot and Higher Enterprise Bureau, citing gradual response instances, failed repairs, and contract misunderstandings. Plus, its lower-tier plans aren’t as complete as rivals’ entry-level choices relating to home equipment and programs lined. Nevertheless, the ShieldPlatinum plan offers intensive safety for only a small month-to-month premium improve. I additionally applaud AHS for masking preexisting circumstances and rust/corrosion, which many Louisiana suppliers exclude.
Plans and Protection: 9/10
AHS gives ShieldSilver for main programs, ShieldGold masking some programs/home equipment, and the great ShieldPlatinum plan. Distinctive to ShieldPlatinum is roof leak restore and free HVAC tune-ups — usually excluded by warranties (or supplied as elective add-ons). The tune-up is a pleasant bonus to assist forestall AC failure in Louisiana’s warmth, particularly throughout its of 110-plus days of 90ºF or greater temperatures per yr – making it worthy of its 9/10 ranking for this alone. AHS additionally highlights masking older gadgets no matter age and preexisting defects — not like rivals like Choose House Guarantee.
All AHS plans cowl previous, improperly put in tools and preexisting circumstances, too — which many residence guarantee suppliers exclude. This expansive protection brings peace of thoughts for homeowners of advanced or growing older programs weak to scorching climate. Whereas AHS’s $100 to $125 service charges exceed the $75 common, they permit flexibility via decrease month-to-month premiums or greater service charges. You select your desire. AHS prepares Louisiana householders for breakdowns and shock restore prices on key residence programs and home equipment.
| Plan | Month-to-month Price | Service Charge | Accessible Reductions* |
| ShieldSilver | $29.99 – $39.99 | $100 –$125 | 20% off sign-up low cost |
| ShieldGold | $49.99 – $59.99 | $100 –$125 | 20% off sign-up low cost |
| ShieldPlatinum | $79.99 – $89.99 | $100 – $125 | 20% off sign-up low cost |
*In the event you select the decrease service charge of $100, you pay the upper month-to-month premium. For instance, the $79.99 price for the ShieldPlatinum plan pairs with the $125 service charge.
Editor’s Observe: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in New Orleans, LA. The price knowledge introduced was correct on the time of publication.
Accessible Add-Ons
American House Defend gives simply six elective add-ons, which pales compared to Liberty’s 40-plus choices. Nevertheless, it does provide roof leak restore, which is beneficial contemplating Louisiana’s excessive quantities of rainfall all year long.
- Electronics safety plan: $14/month
- Visitor unit: $15.99/month
- Pool & built-in-spa tools: $18/month
- Roof leak restore: $10/month
- Septic pump: $5/month
- Nicely pump: $8/month
Exclusions
I discovered the next exclusions to AHS’s plans whereas reviewing a pattern contract. In comparison with different suppliers, these exclusions aren’t out of the extraordinary.
- Injury on account of pets or pests
- Failure to correctly clear or preserve residence programs or home equipment
- Basis or structural harm
- Improper set up, improper wiring, or harm brought on by development exercise
- Producer’s defect
- Misuse or human error
- Pure disasters
- Neglect, rust, corrosion, or sediment
- Elimination of hazardous materials
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 8.7/10
American House Defend earns its 8.7/10 ranking for its robust protection to guard costly home equipment and programs in your house. Nevertheless, you pay extra in month-to-month charges and repair expenses in comparison with another residence guarantee corporations. For instance, its month-to-month premiums are greater than these of most rivals. You even have to decide on between a $100 or $125 service charge while you file a declare. That’s greater than what many different corporations cost, which on common is $75.
However in return, American House Defend offers extra protection. Many primary warranties solely cowl repairs as much as round $2,000 per equipment or system. American House Defend extends that to $5,000. For swimming pools, its $3,000 restrict additionally triples what primary warranties present. American House Defend isn’t the only option if low month-to-month prices are most necessary to you, however its robust protection is smart for a lot of Louisiana householders with higher-value tools. The peace of thoughts and further safety could make the upper charges worthwhile.
Buyer Expertise: 8.4/10
I had excessive expectations for nice service from a long-running firm like American House Defend. Nevertheless, I discovered too many complaints about communication points — many individuals stated brokers didn’t return calls or messages. That’s worrying to see from an {industry} chief, as you anticipate higher responsiveness while you need assistance.
Nevertheless, American House Defend does present householders with devoted account managers. So, when you’ve got points with one agent, you’ve gotten backup choices to contact. The corporate additionally gives a number of methods to get help past cellphone calls. Plus, its commonplace ready interval earlier than a brand new coverage kicks in is 30 days— significantly better than different suppliers that make householders wait 60 days or extra.
Firm Repute: 7.7/10
American House Defend will get concerningly low scores on websites just like the Higher Enterprise Bureau, Trustpilot, and Yelp — knocking my ranking for its fame all the way down to a 7.7/10. Many complaints contain late contractors, rejected claims, and gradual responses from the corporate. Nevertheless, some damaging critiques possible come from clients not absolutely understanding what their insurance policies cowl and what the bounds are earlier than signing up.
Immediately’s House owner Suggestions
All the time evaluation the house guarantee contract first to totally perceive what it does and doesn’t embody. This prevents you from signing up for a plan that doesn’t cowl the gadgets you want or one that gives protection caps which are too low or has exclusions on gadgets you want lined.
Regardless of the low scores, even vital clients acknowledge American House Defend offers robust protection when issues go easily with claims and contractors. AHS additionally replies to almost each damaging evaluation on Trustpilot. This exhibits the corporate is making an effort to deal with complaints and enhance service the place doable.
So whereas the low scores fear me, I feel they’re considerably inflated by misunderstandings. Plus, individuals are extra vulnerable to leaving a evaluation after a foul expertise relatively than an excellent or impartial one. And on condition that AHS has been in enterprise for therefore lengthy, it has had time to build up extra critiques. On a optimistic observe, when American House Defend’s protection applies primarily based on the contract, many shoppers reward the safety it offers.
| Ranking Website | Ranking | Variety of Evaluations |
| BBB | B | Buyer Evaluations aren’t used within the calculation of BBB Ranking |
| Trustpilot | 2.1 | 5,219 |
| 2.8 | 2,379 | |
| Yelp | 1.1 | 839 |
Editor’s Observe: The scores offered have been correct on the time of publication.
Claims Course of: 8.4/10
American House Defend makes the claims course of easy and handy for Louisiana householders. Its 24/7 customer support and skill to file claims across the clock deliver added peace of thoughts. House programs and home equipment can fail at any time. Having dependable assist accessible instantly is vital, particularly for pressing points like roof leaks, AC breakdowns, and plumbing points.
When you submit a declare by cellphone or via American House Defend’s web site, monitoring the standing on-line is easy. Whereas the general course of meets {industry} requirements, permitting visibility reduces stress. You possibly can simply comply with your restore historical past and make contact with American House Defend with any questions.
Availability: 10/10
American House Defend is offered in 49 states — Alaska being the one state it doesn’t cowl. So, householders nationwide can depend on AHS’s extensive community of skilled contractors to swiftly restore points of their houses.
Greatest Claims Acceptance
Alternative House Guarantee
4.3
Our Ranking
Restricted Time:
$50 Off + 1 month free!
I like that Alternative House Guarantee (CHW) simplifies selecting a house guarantee with two simple plans: a complete Complete Plan or a extra reasonably priced Fundamental Plan excluding sure home equipment. Whereas CHW will get combined critiques for claims dealing with, I respect its 24/7 buyer help choices and aggressive pricing, given what number of gadgets it covers. Many purchasers’ critiques report immediate, high quality service from educated technicians as soon as claims get authorized. Between the around-the-clock help, targeted protection selections, and confirmed contractor excellence, CHW delivers the core strengths Louisiana householders want.
Alternative House Guarantee has very low scores on evaluation websites — simply 1.1 stars on Google and 1 star on Yelp. These scores elevate huge questions for me in regards to the firm’s service and claims dealing with. Checking CHW’s costs on-line takes extra effort, too. And its on-line quotes lack specifics, forcing you to begin the checkout course of to match plan prices. Alternative additionally has only a few elective add-ons, which might not be vital to Louisiana householders who wish to cowl simply the fundamentals.
Backside Line: 8.6/10
Alternative House Guarantee stands out most for its excessive claims approval share, beating rivals. In case your AC fails or your fridge dies within the Louisiana warmth, getting repairs lined rapidly issues vastly. Alternative gives around-the-clock claims help in addition to 24/7 customer support, with submitting choices by cellphone or on-line. As soon as authorized, technicians sometimes present immediate, expert repairs — although some delays do occur. Leveraging a 25,000-plus contractor community nationwide means your property can get environment friendly repairs.
As a long-established main supplier for over two million properties, Alternative has loads of expertise defending houses. Its primary plan covers each programs and home equipment, not like some entry choices from different suppliers that lack air conditioner or fridge protection. Annual protection caps of $3,000 per merchandise are first rate, too, exceeding {industry} averages however not the very best accessible.
Downsides do exist. Alternative earns very poor on-line scores in comparison with rivals, scoring simply 1 star on Yelp and 1.1 on Google. Customizing plans or selecting your personal contractor isn’t allowed both. However for the reassurance of industry-leading claims approval percentages and broad primary protection from an skilled, nationwide supplier, Alternative House Guarantee deserves consideration for Louisiana residents regardless of some drawbacks.
Plans and Protection: 8.3/10
Alternative House Guarantee simplifies choosing protection with two simple plans — a Complete Plan or Fundamental Plan. This avoids complicated tiers that some suppliers provide. The expansive Complete Plan covers 18 key residence programs/home equipment for beneath $55 month-to-month. That beats competitor pricing from the likes of Liberty House Guard and American House Defend for such inclusive safety. Nevertheless, its cheaper Fundamental Plan omits AC, fridges, washers, and dryers, however nonetheless covers 14 main gadgets.
For max protection per greenback, I like to recommend most Louisiana householders select the Complete Plan. Whereas some rivals have many extra add-ons, Alternative completely balances simplicity and affordability. When getting a quote, I additionally acquired a suggestion for 2 free months if prepaying yearly. Since Alternative already prices lower than rivals, these further financial savings make it much more cost-effective in the long run.
| Plan | Month-to-month Price | Service Charge | Accessible Reductions |
| Fundamental Plan | $46.83 | $85 | $50 off and one month free |
| Complete Plan | $54.75 | $85 | $50 off and one month free |
Editor’s Observe: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in New Orleans, LA. The price knowledge introduced was correct on the time of publication.
Accessible Add-Ons
Alternative House Guarantee gives 12 elective add-ons to Louisiana householders. As somebody who lives in a rural space with out metropolis water and sewage, I respect the septic system, septic tank pumping, and properly pump add-ons. These programs are expensive, and having them lined might prevent from sudden emergency restore payments within the hundreds.
- Central vacuum: $3.33/month
- Restricted roof leak: $5.83/month
- Pool: $15/month
- Second Fridge: $3.33/month
- Septic System: $10/month
- Septic Tank Pumping: $5.42/month
- Spa: $15/month
- Extra Spa: $15/month
- Sprinkler system: $8.33/month
- Standalone freezer: $3.33/month
- Sump pump: $3.33/month
- Nicely pump: $8.33/month
Exclusions
On reviewing a pattern contract, I discovered that Alternative House Guarantee has the next exclusions to its plans:
- Constructed-in microwave
- Ceiling fan
- Garments dryer
- Garments washer
- Dishwasher
- Rubbish disposal
- Malfunction on account of bodily harm (solely harm on account of regular put on and tear is roofed)
- Oven/vary/cooktop
- Fridge (besides audio/visible tools and WiFi parts — i.e., “Good” options)
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 8.9/10
Alternative House Guarantee earns its 8.9/10 ranking for its low prices, reasonably priced service name charges, and good protection caps. Each its plans are beneath $55 month-to-month — beating {industry} averages. The $85 service name charge falls is decrease than common however not the most affordable. Nevertheless, it’s a hard and fast price stopping shock expenses down the highway. Whereas not absolutely the lowest-cost supplier, Alternative’s finances month-to-month premiums and extra-value perks present robust affordability for Louisiana householders. That features masking full alternative prices if an equipment or system fails, not simply depreciated worth like Liberty House Guard offers. .
With CHW, it’s also possible to get a no-questions-asked refund inside 30 days of beginning your plan, minimizing threat of making an attempt out Alternative’s safety. Add-on choices price beneath $15 per merchandise, too — one of the budget-friendly charges amongst main residence guarantee corporations. This allows you to tailor protection at low charges.
Buyer Expertise: 8.4/10
Getting quotes via Alternative House Guarantee went easily for me. The web site makes researching primary plan particulars and pattern contracts straightforward earlier than checkout. I respect seeing what’s lined up entrance to grasp protection versus price. Its 24/7 buyer help availability helps throughout the shopping for course of. Useful representatives name after on-line quotes to reply questions. In my expertise, Alternative gladly gives further reductions too.
When you enroll, Alternative maintains responsiveness. Policyholders acquire 24/7 help together with reassuring fast service ensures — a 30-day wait interval, a 60-day workmanship assure, and 90-day components protection. Nevertheless, there are some downsides. On-line quotes lack pricing specifics. It’s a must to proceed via checkout to really evaluate plan prices aspect by aspect. I’d desire to see precise numbers up entrance earlier than offering my info.
Firm Repute: 8.3/10
Alternative House Guarantee receives an 8.3/10 ranking from me on account of its combined critiques. Positively, its workers gave optimistic Glassdoor critiques, ranking it a 4.7 stars. Comfortable workers usually alerts moral operations. Alternative additionally has first rate marks with the Higher Enterprise Bureau and on Trustpilot.
Nevertheless, poor buyer evaluation scores on websites like Yelp and Google Evaluations drag it CHW down. Whereas workers appear content material, a regarding variety of clients report irritating experiences. I can’t ignore that. Particularly worrying is an open Arizona Lawyer Basic lawsuit in opposition to Alternative involving fraud allegations — a extreme cost threatening credibility. Nevertheless, this lawsuit has but to obtain a judgment, so I didn’t think about it in my ranking — I’m contemplating CHW harmless till confirmed responsible.
| Ranking Website | Ranking | Variety of Evaluations |
| BBB | B | Buyer Evaluations aren’t used within the calculation of BBB Ranking |
| Trustpilot | 3.7 | 38,144 |
| Yelp | 1.0 | 249 |
Editor’s Observe: The scores offered have been correct on the time of publication.
Editor’s Observe: Immediately’s House owner is conscious of a lawsuit in progress in opposition to Alternative House Guarantee in Arizona. Our workforce is monitoring the state of affairs and can regulate our scores if a damaging judgment is discovered in opposition to Alternative. Within the meantime, their rating is reflective of the corporate fame unbiased from the lawsuit, although it is best to evaluation the allegations when you’ve got any additional issues.
Claims Course of: 8.8/10
Alternative House Guarantee will get combined critiques on its claims dealing with. Many purchasers reward quick, efficient repairs from certified technicians as soon as authorized. Prime brokers reply rapidly to get houses fastened as points come up. Nevertheless, the high-quality print exhibits delays occur too. Buried in pattern contracts is language giving suppliers as much as 48 hours to start claims — regardless of a acknowledged four-hour service purpose. A handful of damaging critiques complain of gradual contractor task and unresolved repairs dragging on for days.
That stated, I take that suggestions with a grain of salt. Individuals extra readily vent frustrations than optimistic experiences in on-line critiques. And with a large community of 25,000 technicians, consistency is tough. Nevertheless, contemplating CHW’s principally optimistic suggestions on the claims course of and its excessive share of accepted claims, my 8.8/10 ranking is cheap.
Availability: 10/10
Alternative gives its plans to householders in 48 states, excluding California and Washington. Though it doesn’t present protection nationwide, you’ll be able to anticipate a robust community of skilled contractors prepared to repair any situation that comes up in your house.
Greatest Worth
Choose House Guarantee
4.2
Our Ranking
Restricted Time:
$150 Off (Code HOUSE25)
I like that Choose House Guarantee (SHW) gives cheaper month-to-month premiums in comparison with many rivals like Liberty House Guard and American House Defend. Paying much less every month offers welcome financial savings that add up over time for householders on a finances. Even higher, Choose contains complete roof protection in all its simple plans — a characteristic most rival corporations surprisingly omit or solely embody via costly add-ons.
In the event you discover leaks after a rain, your property insurance coverage supplier possible received’t cowl the harm that’s the offender because it’s thought of to be from regular put on and tear. That’s the place Choose’s roof leak protection turns out to be useful. With out it, you could possibly face excessive restore payments to patch roof holes. For extra particulars on Choose’s roof leak protection, learn right here.
I additionally like Choose’s 90-day restore assure — which is a month longer than the restore ensures of most different suppliers
Choose House Guarantee trails main residence guarantee suppliers in customization choices — providing simply 9 add-ons versus the 40-plus some corporations like Liberty House Guard provide. This limits flexibility for Louisiana householders needing expanded protection. What additionally issues me is Choose’s exclusion of preexisting circumstances. In the event you don’t intently examine your property earlier than enrollment, you could possibly threat a declare denial over undiscovered issues. I additionally discover Choose’s restrictions round service to be irritating for patrons. Policyholders can’t decide most well-liked restore contractors to entry their houses.
Backside Line: 8.4/10
Choose House Guarantee will get my 8.4/10 ranking for its first rate plan choices, nice pricing, and good buyer expertise. I respect SHW’s worth focus for householders wanting monetary safety with out complexity. It offers simple Gold, Silver, and Platinum tier choices clearly masking both home equipment, programs, or each. This simplified strategy makes selecting the correct protections simpler in comparison with rivals with complicated plan names.
Choose’s reasonably priced pricing additionally stands out. The corporate gives below-average month-to-month premiums that beat main manufacturers like Liberty House Guard and American House Defend. Paying much less over time saves you cash. Nevertheless, Choose’s $3,000 protection cap per merchandise could solely cowl simply primary residence home equipment and programs. Louisiana’s scorching summers stress AC models to the max. Costlier and bigger models usually require double the protection to exchange. Earlier than enrolling, weigh the prices of your current programs and home equipment and your month-to-month finances.
I’d advocate SHW’s wider Platinum Care plan for residents who need a well-rounded safety choice. It covers extra at a still-reasonable value. However for high-end home equipment or specialty programs, think about Liberty House Guard or Elite House Guarantee, which provide greater caps and better customization alternatives as a substitute.
Plans and Protection: 8.3/10
I respect how Choose House Guarantee simplifies selections into clear protection varieties — home equipment, programs, or each mixed. Nevertheless, its single-focused Gold Care and Bronze Care plans depart regarding gaps. Every omits both HVAC or kitchen tools, that are necessary gadgets most householders would wish to cowl.
That stated, the Platinum Care plan bundles complete protections for less than $4 extra month-to-month, making it the neatest choice for virtually each Louisiana family. Throughout my quote, Choose marketed worthwhile financial savings on Platinum Care, too — two free months up entrance and $150 off yearly pricing. Buyer critiques additionally counsel it’s possible you’ll negotiate decrease month-to-month and repair charges via customer support while you enroll. One disadvantage is that Choose has only a few elective add-ons — simply 9 complete. That stated, when you simply want the fundamentals lined, Choose is an efficient alternative.
| Plan | Month-to-month Price | Service Charge | Accessible Reductions |
| Bronze Care | $44.42 | $75 | $150 off (web site), two further months free |
| Gold Care | $44.42 | $75 | $150 off (web site), two further months free |
| Platinum Care | $47.75 | $75 | $150 off (web site), two further months free |
Editor’s Observe: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in New Orleans, LA. The price knowledge introduced was correct on the time of publication.
Accessible Add-Ons
Choose has the next elective add-ons for Louisiana householders:
- Central Vacuum: $3.33/month
- Garden Sprinkler System: $5.83/month
- Pool: $8.33/month
- Roof Leak: free
- Septic System: $5.83/month
- Spa: $5.83/month
- Standalone Freezer: $3.33/month
- Sump Pump: $3.33/month
- Nicely Pump: $3.33/month
Exclusions
As with every residence guarantee supplier, SHW has the beneath exclusions to its plans. These are on par with different suppliers.
- Frequent areas in condominiums or multifamily houses
- Injury from pure disasters and rust
- Defects or damages brought on by the muse and construction of the house
- Incorrect set up or malfunctions on account of development harm or improper wiring
- Points with programs or home equipment associated to hazardous or poisonous supplies (for instance mould, asbestos, and gasoline leaks)
- Secondary harm (i.e., your property guarantee could cowl roof harm however received’t cowl water harm brought on by a roof leak)
- Photo voltaic heating programs
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 9.1/10
Choose House Guarantee will get my stellar 9.1/10 ranking for its extremely reasonably priced premiums — simply $40 month-to-month, together with reductions. That undercuts the {industry} common of $50 to $60 per thirty days, providing good up-front financial savings on any protection plan chosen. You don’t pay further or “punishment pricing” simply to get their absolute highest protections.
I additionally like its affordable $65 or $75 service charges — each lower than the $100-plus expenses from different suppliers equivalent to Alternative House Guarantee. So, on high of cheaper base plans, Louisiana households keep away from excessive contractor go to charges when points inevitably pop up.
The whole lot about Choose’s simple Gold, Silver, and Platinum Care plans focuses on worth pricing for dependable service. Between cheaper month-to-month prices to enroll and smaller restore charges down the highway, householders pay much less at each flip in comparison with main manufacturers recognized for greater costs. That stated, SHW has decrease protection caps of $2,000 per equipment. Whereas that’s sufficient protection for many houses, it prevents me from giving SHW an ideal 10/10.
Buyer Expertise: 8.1/10
Choose House Guarantee impresses me by simplifying the house guarantee course of on its web site and thru a simple on-line quote system. Some rivals bombard you with calls and emails however Choose conveniently outlines plans, pricing, and protection specifics on-line with out trouble or stress.
As a home-owner, I discovered it straightforward to coach myself on what protections match my finances and dangers at my very own tempo. No complicated name heart pitches or unnecessary backwards and forwards. I respect Choose empowering clients to choose the proper protections on their phrases.
Firm Repute: 8.0/10
Choose House Guarantee earns mediocre fame scores amongst clients, which warrants my 8/10 ranking. Its Higher Enterprise Bureau grade sits at an honest B, however critiques are combined on websites like Trustpilot and Google. On the optimistic aspect, many previous purchasers spotlight useful customer support, straightforward signup, and fast repairs after declare approval. However vital suggestions cites irritating drawbacks too — primarily low reimbursements on claims, denied protection, and unskilled technicians doing work.
Now I stability these poor critiques, realizing offended reviewers shout the loudest on-line and glad clients usually don’t depart critiques in any respect. Choose’s decrease quantity of suggestions general signifies fewer dissatisfied clients than huge manufacturers like Liberty House Guard or American House Defend. Nonetheless, it appears Choose hasn’t wowed the vast majority of households with flawless service. Whereas glowing reward exists, constant complaints about declare dealing with, reimbursement limits, and contractor incompetence concern me.
| Ranking Website | Ranking | Variety of Evaluations |
| BBB | B | Buyer Evaluations aren’t used within the calculation of BBB Ranking |
| Trustpilot | 3.8 | 4,680 |
| 3.8 | 19,688 |
Editor’s Observe: The scores offered have been correct on the time of publication.
Claims Course of: 7.6/10
Choose House Guarantee makes submitting claims easy and direct. You possibly can submit your air conditioner outage or ruptured pipe restore requests via its web site or by way of a cellphone name. For many non-urgent breakdowns, technicians sometimes arrive inside 48 hours (the {industry} commonplace) for prognosis and restore. That stated, some reviewers famous slower response instances, and since they solely provide two methods to file, I needed to price SHW a decrease 7.6/10 on this class.
For summer season AC failures or roof leaks within the spring, even two days is much too lengthy. Fortunately, Choose offers 24/7 emergency help on nights and weekends to dispatch assist sooner. Prioritizing crises for a speedier response offers peace of thoughts when it issues most.
Availability: 10/10
Choose House Guarantee covers all U.S. states and the District of Columbia. With full nationwide protection, you’ll be able to anticipate a top-tier community of skilled contractors able to knock out any points you’ve gotten in your house.
Greatest Buyer Rankings
Elite House Guarantee
4.3
Our Ranking
Restricted Time:
$150 Off + 1 Month Free
I’m happy to see that Elite House Guarantee has very optimistic buyer satisfaction throughout high evaluation websites like Google, Yelp, and Trustpilot — persistently hitting 4.5 to five stars. That crushes the house guarantee {industry}’s typical 2– to 3-star fame, showcasing Elite’s stellar service observe report pleasing purchasers.
Its pricing is aggressive as properly, all whereas offering 26 add-ons for expanded safety — second in amount solely to Liberty House Guard’s 41 elective add-ons. This flexibility helps Louisiana households discover the best stability of affordability and monetary safety. I’m additionally impressed by Elite’s hovering protection limits, hitting $10,000 per system and $6,000 per equipment — two to a few instances greater than most suppliers. Coupled with personalized additions in order for you greater limits masking distinctive facilities, Elite permits tailoring sturdy plans particular to your restore dangers and finances.
Elite’s lack of true 24/7 emergency restore help with out added charges issues me. When vital programs like AC models fail in a single day amid summer season warmth waves, households want pressing help. Elite’s $150 emergency surcharge appears unacceptable from an in any other case customer-focused supplier throughout dire conditions.
In the identical vein, blanket exclusion of commercial-grade tools might show a dealbreaker for some Louisiana householders needing specialty-grade safety. You should cough up add-on charges simply to cowl higher-end home equipment, making its plans with these elective add-ons much less cost-effective than these of different suppliers. I additionally discover Elite’s voided workmanship assure when you use your personal technician versus their contractor community critically restrictive. I like having the choice to make use of contractors I do know will do an excellent job. And after sifting via buyer critiques, I’m disenchanted to see that EHW can have a considerably irritating claims course of.
Backside Line: 8.6/10
I give Elite House Guarantee an 8.6/10 ranking for industry-leading protection quantities. Its caps hit $10,000 for residence programs and $6,000 for home equipment — manner above the $2,000 to $3,000 rivals equivalent to Choose House Guarantee permit. For prime-end residence gadgets weak to expensive repairs, that added safety brings invaluable peace of thoughts. Of Elite’s plan tiers, I feel its Full plan, masking each programs and home equipment, makes essentially the most monetary sense for many Louisiana households wanting most worth. You should utilize these excessive protection limits throughout all tools.
I’ll observe this draw back — emergency repairs are solely accessible throughout weekday enterprise hours until you pay steep further charges. This can be a poor coverage for pressing points arising on nights and weekends. However with 26 add-ons to customise protection, Elite does lead rivals in safety flexibility, even when sure identify manufacturers set off surcharges. In the long run, Elite is greatest for householders eager to safeguard costly family infrastructure with the very best protection limits.
Plans and Protection: 10/10
I can actually say that Elite House Guarantee shocked me with its reasonably priced premiums, variety of add-ons, and excessive protection cap — simply incomes my good 10/10 ranking on this class. The place Elite actually outshines rivals is offering best-in-class protection caps that smash {industry} norms. For home equipment, Elite pays as much as $6,000 per declare — doubling the usual $3,000 limits different main suppliers provide. Much more spectacular, Elite’s $10,000 programs cap is 2 to a few instances what many rivals assure.
Like different residence guarantee suppliers, Elite gives devoted equipment or system plans. However I like to recommend its mixed Elite Full plan for absolutely bundled safety at a minor upcharge. With Louisiana’s climate consistently resulting in put on on AC models, water heaters, and comparable tools, such elevated protection maximums deliver invaluable peace of thoughts, masking inevitable repairs. I additionally found Elite offers a 30-day free trial and $150 off for enrolling by cellphone — making its top-tier safety extra budget-friendly.
| Plan | Month-to-month Price | Service Charge | Accessible Reductions |
| Elite Equipment | $48.99 | $100 | $150 on sign-up, 30-day trial |
| Elite Programs | $52.99 | $100 | $150 on sign-up, 30-day trial |
| Elite Full | $59.99 | $100 | $150 on sign-up, 30-day trial |
Editor’s Observe: The price knowledge talked about on this article was sourced for a single-family, two-bedroom residence beneath 5,000 sq. toes in New Orleans, LA. The price knowledge introduced was correct on the time of publication.
Accessible Add-Ons
Elite House Guarantee gives 26 elective add-ons to householders in Louisiana. As somebody who offers with stormy seasons in Indiana, I perceive the necessity to cowl vital tools to ensure it’s in working order earlier than heavy rainfall and thunderstorms hit. That’s why I respect Elite’s drainage, sewer, and water service strains elective add-on, together with choices to cowl your sump pump, elevate pump, and generator system.
- Attic Exhaust Fan: $69.99/yr
- Central Vacuum: $49.00/yr
- Effluent Pump: $99.99/yr
- Ejector Pump: $99.99/yr
- Freestanding Freezer: $59.99/yr
- Freestanding Ice Maker: $59.99/yr
- Freestanding Spa Tools: $119.99/yr
- Generator: $99.99/yr
- Geothermal Heating And Cooling System: $299.99/yr
- Grinder Pump: $99.99/yr
- Visitor Home: $299.99/yr
- HVAC Annual Upkeep: $299.99/yr
- Jetted/Scorching Tub: $99.99/yr
- Garden Sprinkler System: $99.99/yr
- Raise Pump: $99.99/yr
- Restricted Roof Leak Restore: $99.99/yr
- Pool & Spa Tools: $199.99/yr
- Pool Tools: $149.99/yr
- Premium Home equipment: $249.99/yr
- Premium Advantages: $199.99/yr
- Premium Programs: $299.99/yr
- Premium Programs Plus: $499.99/yr
- Septic System: $129.99/yr
- Service Traces: $349.99/yr
- Sump Pump: $99.99/yr
- Swamp Cooler: $149.99/yr
- Water Filtration System: $99.99/yr
- Water Softener: $99.99/yr
- Nicely Pump: $99.99/yr
- Wine Cooler: $69.99/yr
Exclusions
Like all residence guarantee suppliers, Elite has a handful of exclusions to its plans:
- An absence of upkeep
- Acts of God
- Business-grade home equipment
- Beauty harm
- Pure disaster-related damages
- Models in a rental property
In comparison with different suppliers, these are par for the course.
Editor’s Observe: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions could apply.
Affordability: 8.7/10
Elite House Guarantee’s core month-to-month premiums largely align with these of rivals — costing $45 to $60 on common, relying on the plan. Nevertheless, the cellphone agent I spoke with was frustratingly obscure — the rep made it exhausting to grasp the add-on charges, which might considerably influence your long-term prices. With out full value transparency up entrance, it’s inconceivable for Louisiana households to precisely finances and evaluate plans apples to apples.
Like main rivals, Elite’s $100 primary service name charge appears affordable. Nevertheless, I discovered these fine-print expenses after plenty of digging that may quickly improve bills when you’re enrolled:
- $150 weekend/emergency surcharges
- $150 for entry to premium model technicians
These charges add up rapidly. I’ll say Elite permits a free month-to-month trial and cancellation intervals to vet plans risk-free. Nevertheless, the dearth of transparency round complete charges stays regarding for patrons who worth predictable budgets.
Buyer Expertise: 7.6/10
I discovered Elite House Guarantee’s web site surprisingly powerful to navigate, not like these of main rivals with fast, clear on-line quoting instruments. Elite requires phoning representatives to obtain even ballpark premium estimates. And its add-on charges are exhausting to search out, too (and solely record a yearly value) — making exact month-to-month budgeting tough. I couldn’t simply weigh its three plans apples to apples with out calling first. And once I did name in, I felt that the customer support rep I spoke to wasn’t up entrance with the extra prices both. That friction dangers turning some comparability customers away.
Firm Repute: 8.3/10
As a more recent residence guarantee supplier, Elite House Guarantee has restricted on-line critiques — fewer than 60 mixed on Trustpilot and Yelp. This small pattern drags its fame rating down to eight.3/10. Nevertheless, Elite does maintain accredited standing and optimistic marks from the Higher Enterprise Bureau for service high quality and follow-through.
The few printed critiques lean very optimistic. A number of critiques spotlight reasonably priced charges, quick claims decision, and attentive customer support follow-up guaranteeing satisfaction. Detrimental suggestions principally entails frustrations round ready intervals or disorganization — possible from buyer misunderstandings relatively than systemic points.
Whereas extra buyer value determinations over time would higher showcase Elite’s choices, current suggestions exhibits early promise. Latest reward centered on claims and repair suggests the corporate empowers technicians to offer high quality repairs whereas recurrently checking in that households really feel supported. If EHW retains the identical glowing scores whereas amassing extra critiques, its fame rating will proceed to creep as much as 10.
| Ranking Website | Ranking | Variety of Evaluations |
| BBB | A+ | Buyer Evaluations aren’t used within the calculation of BBB Ranking |
| Trustpilot | 4.7 | 51 |
| 4.7 | 127 | |
| Yelp | 4.8 | 4 |
Editor’s Observe: The scores offered have been correct on the time of publication.
Claims Course of: 6.8/10
Elite has 24/7 claims submitting on-line or by cellphone to begin repairs any hour — now commonplace within the {industry}. Nevertheless, not like different suppliers, it excludes emergency companies protection after hours with out expenses. That leaves householders abandoned amid leaking roofs in a single day or AC failures throughout summer season warmth waves with out paying further.
Contemplating how urgently vital these situations change into for property and well being, I anticipate suppliers to dispatch emergency support extra dependably, not revenue by charging extreme charges when weak households desperately want help. For non-emergency claims, Elite falls again consistent with rivals concerning response instances. Contractors arrive inside 24 to 48 hours throughout regular enterprise days — acceptable however not exemplary.
Availability: 10/10
Elite House Guarantee is accessible in 46 U.S. states — all in addition to California, Texas, Wisconsin, and Washington. Whereas it’s not full nationwide protection, EHW has a robust community of contractors that you may depend on for skilled repairs.
Calculate the Price of Louisiana House Guarantee
Use our residence guarantee price calculator to find out the annual value of a house guarantee coverage to your Louisiana residence. Simply enter just a few key numbers:
- Month-to-month premium for the plan you need
- What number of service calls you anticipate to wish yearly
- The service name charge charged for every go to
The calculator makes use of these inputs to estimate the total annual price of a brand new plan, making it straightforward so that you can finances.
| Equipment | Common Restore Price | Common Substitute Price |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Followers | $16–$300 | $250–$950 |
| Electrical Vary | $100–$500 | $230–$3,000 |
| Gasoline Vary | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Fridge | $40–$350 | $200–$5,000 |
Louisiana House Guarantee Laws
In Louisiana, residence guarantee corporations are overseen by each the state authorities and {industry} organizations. Each shield clients whereas guaranteeing respected enterprise practices. The Louisiana Division of Insurance coverage (DOI) serves as the principle monitoring physique beneath statutes 51:3141 to 51:3146. These legal guidelines require residence guarantee suppliers to file paperwork and stories with the Insurance coverage Fee earlier than promoting plans. This up-front course of verifies that corporations can financially uphold their service commitments throughout the state.
Business associations just like the Service Contract Business Council (SCIC) additionally develop requirements alongside lawmakers. Their oversight protects customers and makes for accountable residence guarantee suppliers.
Louisiana House Guarantee Information
Up to now few years, Louisiana residents have been receiving fraudulent residence guarantee letters within the mail. In line with the Washington Parish Sheriff’s Workplace, these letters have wording that calls for householders reply by a sure date, or they are going to lose their residence guarantee protection. The tip purpose of those letters is to get householders’ private particulars for unlawful actions.
Generally, these letters embody the house owner’s mortgage firm, making them seem real. Nevertheless, because the native Sheriff’s Division notes, this info is a part of the general public report. So, when you obtain letters with calls for like this, throw them within the trash. No respected residence guarantee firm will contact you on this method, particularly those I advisable on this information.
FAQs in regards to the Greatest House Warranties in Louisiana
Do You Want a House Guarantee in Louisiana?
A house guarantee can assist forestall sudden excessive restore prices to your residence programs and home equipment via an reasonably priced month-to-month premium that covers repairs and replacements. The state’s local weather and growing older homes make protection particularly helpful.
How A lot Does a House Guarantee Price in Louisiana?
The typical price of a house guarantee in Louisiana is between $300 and $600 yearly. House guarantee prices can fluctuate primarily based on location, home measurement, and protection choices.
How To Save Cash When Looking for House Warranties In Louisiana?
It can save you cash by bundling a house guarantee with current insurance coverage insurance policies and asking for reductions like multi-year plans or referral bonuses when getting quotes. Checking for promotions with your property insurance coverage supplier and the house guarantee supplier and negotiating can cut back charges.
Is a House Guarantee Price It for Louisiana Owners?
A house guarantee is value it for Louisiana householders as a result of the financial savings on only one lined restore can outweigh the coverage price. House warranties present peace of thoughts in opposition to costly AC, equipment, and plumbing failures widespread in Louisiana.