Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Considering getting a home warranty? One of our top home warranty companies can help. Homeownership in Lafayette comes with many benefits, but it also comes with worries and concerns. Your home's appliances and systems will inevitably need repair, and this could mean a burdensome expense hitting your bank account suddenly.
A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind. Finding the right home protection plan for your Lafayette home can be difficult, so our team at Today's Homeowner did the research to help you find the best plan that will work for your home. Keep reading for our home warranty company 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
In Lafayette, Choice Home Warranty offers the best overall home warranty. Choice has around 15 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. 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. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
To get 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 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 for Lafayette residents. Select has been in the home warranty industry for over 11 years. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for you to choose from.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty full review.
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
In Lafayette, American Home Shield offers the most customizable home warranty. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information, read our thorough review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 offers the best home warranty with the quickest service in Lafayette. HSC has been in the home warranty industry for around 15 years. HSC offers 2 plans for homeowners to decide between. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
Read more by visiting our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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 for Lafayette residents. First American is a home warranty provider with 39 years of experience in the industry, and it has proved to be one of the best providers in the business. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also 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 plans for homeowners to decide between.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $85.
Read more by visiting our comprehensive review of First American Home Warranty. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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
In Lafayette, Cinch Home Services is the home warranty with the best workmanship guarantee. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Lafayette area.
For more information on this provider, read our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home 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 cuts back on the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't have the savings to pay for large repair or replacement expenses. Typically, about 30 days after paying for a home warranty, the coverage will start on your home systems and appliances.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty company. Most companies have an online portal system to help you do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair for their home. This repair will typically happen within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
A home warranty in Lafayette provides coverage for the main appliances and systems in a house. The appliances commonly covered under a home warranty plan are the washing machine, microwave, refrigerator, dryer, dishwasher, oven, and more. System coverage typically includes air conditioning, electrical systems, plumbing, heating, and more.
Add-on coverage will vary from plan to plan, but you can expect to see things like spas, sump pumps, pools, electronics, central vacuums, and roof leaks.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and maintain them properly, the home warranty will not cover it. Also, a home warranty does not cover lack of maintenance, pre-existing conditions, cosmetic damages, and misuse.
Since temperatures in Lafayette can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks unexpectedly.
Another benefit of having a home warranty is if you want to sell your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.
As for the drawbacks of home warranties, coverage varies by company, so it's important to review what each plan covers and doesn't include in the contract.
Plus, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Determining the best company for your home warranty is the first step toward protecting your home. Here is a list of factors that you'll want to be mindful of when picking a home warranty provider:
The best home warranty provider in Lafayette is Choice Home Warranty. Choice Home Warranty has an expansive network of professional service technicians and a respected reputation in the Lafayette area.
A home warranty policy can help real estate agents, home sellers, investors, homeowners, and homebuyers. It can offer peace of mind and savings to anyone involved in homeownership.
The most common home warranties in Lafayette are plans with coverage for either appliances or systems and a combination plan. A combination plan covers many of your systems and appliances, like your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover the specific systems or appliances mentioned in the plan.
Home warranties cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay the rest out of pocket.
Typically the one who owns the home is responsible for paying for the home warranty. In the case of selling a home, however, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Lafayette is $1,176,226, a home warranty can help you avoid further costs when buying a home.
Home warranties typically don't cover issues due to intentional breaking of an appliance, lack of proper maintenance, pre-existing conditions, or natural disasters. They only cover damage due to normal wear and tear. Although it doesn't cover everything, a home warranty can still be beneficial for helping you save some money in a town like Lafayette.
