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Last Updated: February 25, 2025
Lafayette gives homeowners some great living options and the opportunity to enjoy bright warm summers. However, scorching temperatures can do a number on your home’s systems, such as your HVAC. A home warranty can help protect homebuyers and current homeowners by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best protection for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Lafayette. Read on for our top provider recommendations.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty in Lafayette. Choice has been in the home warranty industry for around 15 years. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process and policy coverage easily understandable.
Choice Home Warranty offers 2 plans for Lafayette homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our comprehensive review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Lafayette. Select has been in the home warranty industry for around 11 years. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process and policy coverage easily understandable.
Select Home Warranty offers 3 plans for Lafayette homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 for each covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our comprehensive review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty in Lafayette. AHS has been in the home warranty industry for around 26 years. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process and policy coverage easily understandable.
American Home Shield offers 3 plans for Lafayette homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our comprehensive review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Lafayette. First American has been in the home warranty industry for around 39 years. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process and policy coverage easily understandable.
First American Home Warranty offers 2 plans for Lafayette homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 for each covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our comprehensive review of First American Home Warranty.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee in Lafayette. Cinch has been in the home warranty industry for around 44 years. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable.
Cinch Home Services offers 3 plans for Lafayette homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 for each covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our comprehensive review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service in Lafayette. HSC has been in the home warranty industry for around 15 years. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily understandable.
The Home Service Club offers 2 plans for Lafayette homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our comprehensive review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $8,114 |
| Heating | $5,409 |
| Electrical | $811 |
| Toilets | $676 |
| Washer/Dryer | $1,082 |
| Plumbing | $811 |
| Oven | $2,164 |
| Fridge | $811 |
A home warranty is a protection plan that helps cut costs for Lafayette homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who own older homes or ones with aging systems. More modern builds with modern fixtures probably don’t require a home warranty.
Home warranties cover your household systems and appliances. Typical covered appliances are dryers, washers, microwaves, refrigerators, dishwashers, garbage disposals, and others. Protected systems include heating, electrical, air conditioning, and plumbing. Many home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Lafayette should understand that most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some key home warranty words to understand before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans include protection for AC, plumbing, electrical, heating, and appliances. More inclusive plans may also include extra things such as pools, spas, well pumps, and roof leaks. Look for providers with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's rating gives insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Complimentary reviews and ratings indicate a company known for stellar service.
Home warranty companies maintain networks of local technicians to handle repairs in your area. Reach out to potential providers to find out how many repair professionals they have in Lafayette and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks raise the probability of getting qualified contractors to swiftly service your home.
Some home warranty companies provide extras such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These perks add value beyond just repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Lafayette’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may come across. Another added benefit of having a home warranty policy is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
One main drawback of home warranties is not every home system and appliance may be covered. It’s important to weigh the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
Another thing to consider is that some providers don’t cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty company for clarification about this if you aren’t sure or if this is an issue for you.
A home warranty in Lafayette can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new refrigerator or stove, unless the damage is due to a natural disaster, which isn't that common in Lafayette.
Homebuyers, homeowners, landlords, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty policy will cover your systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans generally offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Usually the homeowner is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Lafayette is $1,914,728, a home warranty can save you some money when buying a home.
