Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
If you're looking into getting a home warranty, our guide on the top providers in Lafayette can help. With a relatively mild climate, Lafayette is a great place to own a home. However, homeownership comes with its challenges, like repairing your home's systems and appliances.
A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind. Finding the best home warranty on the market can be quite difficult because there are so many companies to choose from. That's why the Today's Homeowner team did the research and made a list of the best home warranty companies in Lafayette for you.
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. The 2 plans from Choice are easy to comprehend and offer a mix of both system and appliance coverage. 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.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
For a more detailed breakdown, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 over 11 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. When you buy a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also 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 comprehensible.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $60.
For a more detailed breakdown, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Lafayette, American Home Shield is the most customizable home warranty. The 3 plans from AHS are easy to understand and offer both system and appliance coverage. When you purchase 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.
American Home Shield has 3 plans that offer 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 around $2,500 for each covered appliance or system.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our full 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 is the best home warranty with the quickest service for Lafayette residents. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. 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 Home Service Club has 2 plans that provide a combination of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information, read 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 offers the most trustworthy home warranty for Lafayette residents. Liberty has been in the home warranty industry for around 6 years. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 policies that Liberty offers include options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information on this provider, read our Liberty Home Guard Review.
Appliance Guard
Systems 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 is the best home warranty for appliance coverage for Lafayette residents. 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 has 2 simple plans, making the selection process easy.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $85.
Read our First American Home Warranty full review to learn more. To receive a free quote from First American Home Warranty, 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Lafayette residents. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 policies that Cinch offers include options for appliance and system coverage.
The 3 plans from Cinch Home Services 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 lower than other providers in the Lafayette area.
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 Cinch Home Services Review.
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 | $5,927 |
| Heating | $3,951 |
| Electrical | $593 |
| Toilets | $494 |
| Washer/Dryer | $790 |
| Plumbing | $593 |
| Oven | $1,580 |
| Fridge | $593 |
A home warranty is a home protection plan that can cut back on the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Lafayette home comfortable and convenient. When these things need repairs, it can be costly and a headache. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
For Lafayette homeowners, it is very easy to file a claim when a problem happens with a covered appliance or system. Most home warranty providers have an online portal where you can file a claim.
Once you submit the claim, it will be assigned to a local repair person that will come to your home and take a look at the issue. At this point, you pay the service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket fee you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty in Lafayette covers the main systems and appliances in your house. The appliances a home warranty typically covers include a refrigerator, dishwasher, clothes washer, cooktop, microwave, clothes dryer, stove, and more. The systems included are the electrical, heating, air conditioning, plumbing, and others.
Add-on coverage options can vary by company but often include things such as a plumbing stoppages, central vacuum, second refrigerator, sprinkler system, and septic system.
A home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a home warranty.
Temperatures in Lafayette can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Lafayette, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Not only does a home warranty provide some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most.
Home warranties also have some drawbacks. While it can give you less to worry about since the home warranty sends out a repair technician who does the repair for you, some people may not like this, and they would rather select a contractor themselves. If that's the case for you, some home warranty companies allow you to select a contractor.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They often won't cover home systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
When you're ready to purchase a home warranty plan, the first step is figuring out what items you want coverage for. From there, you can compare plans and contact different home warranty providers for a free quote. Before deciding which home warranty to buy, here are a few additional factors to consider:
The top home warranty provider in Lafayette is Choice Home Warranty. Choice Home Warranty has an expansive network of professional repair technicians and a tremendous reputation in the Lafayette area.
A home warranty helps protect against the normal wear of home systems and appliances. Homeowners insurance protects the entire home in case of something 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 dryer or air conditioner, unless the damage is due to a natural disaster, which are somewhat common in Lafayette.
A home warranty plan can cover either your home's appliances and systems, or both. Combination plans are great if you'd like more coverage for your home, but a systems or appliance plan can be useful too if you're concerned about one more than the other.
A home warranty can protect you from expensive repair bills, but only if you choose a good plan from a trustworthy company. When deciding which home warranty company to purchase a plan from, you should look for things like its customer service and availability in your area. In addition, you should look at the kind of coverage the company offers and what types of appliances and systems are protected. Homes that have appliances and systems on the older end may need a policy with more coverage.
In general, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Lafayette, where the median value of a home is $136,284, having the seller pay for the home warranty can be a good asset for your new home.
A home warranty in Lafayette can cost anywhere from $40 to $80 a month. The higher-priced plans tend to have more coverage, higher coverage limits, and a lower service fee.
When living in a city like Lafayette, you may be wondering if problems like natural disasters will be covered under a home warranty plan. Home warranties usually don't cover damage due to intentional breakage, natural disasters, or lack of proper maintenance.
