Written By Todays Homeowner Local Pros
Last Updated May 2023
Thinking about buying a home warranty? One of our top home warranty companies can help. Homeownership in Lafayette has many perks, but it also comes with its difficulties. Your home's appliances and systems will eventually need repair, and this could mean a burdensome expense hitting your bank account suddenly.
A home warranty can bring you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances. Choosing the best home warranties on the market can be challenging because of the many options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide on the best home warranty companies in Lafayette.
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 is the best overall home warranty. Choice has been in the home warranty business for over 15 years. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with Choice's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
For a more detailed breakdown, read our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 operating for around 11 years, making it a respected company in the industry. Select has 3 plans for you to decide between. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered appliance or system.
To read more, visit our full review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 offers the most customizable home warranty for Lafayette residents. AHS has been in the home warranty business for about 26 years. AHS has 3 simple plans, making the selection process easy. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield 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 provider. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our American Home Shield full review to learn more.
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 for Lafayette residents. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Lafayette area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Lafayette residents. Liberty is a home warranty company with 6 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered system or appliance.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our full review of Liberty Home Guard.
Total Home Guard
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 offers the best home warranty for appliance coverage in Lafayette. The 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 Home Warranty offers 2 plans for Lafayette homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information on this provider, read our review of First American Home Warranty.
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 offers the home warranty with the best workmanship guarantee. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered appliance or system.
To read more, visit our Cinch Home Services Review. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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|
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer stops working, and the repair is several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty companies typically don't require an inspection, and you can generally start using it about 30 days after purchasing the policy.
When you have an issue with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will reach out to you about a repair technician coming over to take a look at the problem.
The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair for their home. This repair will usually occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees range between $60 and $150.
A home warranty plan will cover home systems and appliances from normal wear. The appliances usually covered under a home warranty plan are the dishwasher, microwave, washing machine, dryer, oven, refrigerator, and more. System coverage typically includes electrical systems, plumbing, heating, air conditioning, and more.
Add-on coverage options can vary by company but commonly include things such as a sprinkler system, plumbing stoppages, central vacuum, septic system, and second refrigerator.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover cosmetic damages, misuse, pre-existing conditions, and lack of maintenance.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Lafayette reaching an average high of 56℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system break down.
Another added benefit of having a home warranty plan is that it can increase your home's property 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 provider you have your home warranty with.
One main drawback of home warranties is not everything may be covered. It's important to weigh the different plans and purchase one that covers all the appliances, systems, and add-ons you need.
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 besides normal wear and tear — the home warranty may not cover it.
After researching home warranties in Lafayette, the next step is to figure out which company you want to receive a free quote from. Here is a list of factors that you'll want to keep in mind when selecting a home warranty provider:
The top home warranty company in Lafayette is Choice Home Warranty. Choice Home Warranty has an expansive network of professional contractors and a great reputation in the Lafayette area.
A home warranty is a service contract that provides homeowners extra coverage for their household systems and appliances. These include washing machines, dishwashers, garbage disposals, refrigerators, dryers, plumbing, sump pumps, electrical systems, heating and cooling systems, and water heaters, among others. Some companies also provide coverage for pools, ceiling fans, garage door openers, and roofs. A home warranty can help you save money if these appliances and systems fail unexpectedly.
The type of home warranty you should look for depends on what is important to you. A less costly plan may have higher deductibles and lower coverage caps, whereas a more expensive plan may have lower deductibles and provide more coverage. If you have a home that has new appliances or systems, you may be able to get a cheaper plan. The company's reputation and available plans are the main two things to consider when selecting a home warranty company.
Many homeowners think a home warranty is a good investment because it can help protect against unexpected expenses, and saving money is important with the cost of living going up a lot in Lafayette. If you're worried about your budget and your ability to keep your home in good working order, getting a home warranty can help. One of the big advantages of a home warranty is that it can provide you some financial peace of mind.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Lafayette, where the median home value is $413,923, when the seller pays for the home warranty can be a good asset for your new home.
Most home warranties have a 30-day waiting period before you can file claims, but some may let you file sooner so make sure you check with the company about this.