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Published: Feb 28, 2024 11 min read

A home warranty is a service contract that provides coverage for the repair or replacement of your home’s systems and appliances when they break down. These dedicated plans can help you cover the cost of unforeseen repairs due to sudden mechanical malfunctions or normal wear and tear, which are circumstances that are not typically covered by homeowner’s insurance.

Read on for our review of AFC Home Warranty, one of Money’s Best Home Warranty Companies. We include information about its plans, coverage, pricing, limitations and payout caps. We also analyze common customer complaints and how AFC compares to its competitors.

Table of Contents

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AFC Home Warranty overview

America’s First Choice Home Warranty (AFC Home Warranty) offers home warranty plans that cover appliances and systems in case of breakdown, mechanical failure or normal wear and tear.

The company offers four levels of coverage, add-ons and a workmanship guarantee that lasts for as long as your plan is active with AFC — up to three years in some cases. You can also choose the service technician of your choice when it’s time to ask for help.

  • Option to choose your own licensed technician to do repairs
  • Labor and repairs are guaranteed for the life of your contract
  • Additional perks and benefits, including discounts with partnered companies
  • Not available in Hawaii, Washington or California
  • Appliances and systems with pre-existing issues are not covered
  • Relatively low coverage caps for most systems

AFC Home Warranty plans

AFC Home Warranty offers four different home warranty plans, including a system-only plan, a lowered-tiered plan that covers nine major home appliances and two plans that cover a combination of both systems and appliances. These plan options are:

  • Silver Plan
  • Gold Plan
  • Platinum Plan
  • Diamond Plan

Home warranty companies typically charge a service call fee, which is the deductible you pay when you request a service. AFC Home Warranty allows you to choose a service call fee amount of $75, $100 or $125. The amount you choose will affect the overall price of your plan — usually, a higher deductible means a lower premium, whereas a lower deductible means a higher premium.

AFC offers one of the longest workmanship guarantees in the industry. Home warranty providers typically offer a 30- or 60-day guarantee, but AFC guarantees repairs, parts and labor for the lifetime of your contract, which can be up to three years if enrolled in a 3-year plan.

AFC is also among the few companies that let you choose your own contractors with previous authorization as long they are licensed, bonded and insured. If you don’t have a qualified contractor, the company will dispatch one from its pool of service providers within 48 hours of your request.

AFC Home Warranty coverage

AFC Home Warranty’s plans include coverage for the following items:

Silver Plan
($48.75 - $54.33/mo.*)

Gold Plan
($65.42 - $70.92/mo.*)

Platinum Plan

($70.92 - $76.50/mo.*)

Diamond Plan
($105.50 - $112.75/mo.*) 

  • Clothes dryer
  • Clothes washer
  • Kitchen refrigerator
  • Oven/Range
  • Stove
  • Cooktop
  • Dishwasher
  • Garbage disposal
  • Garage door opener
  • Clothes dryer
  • Clothes washer
  • Kitchen refrigerator
  • Oven/Range
  • Stove
  • Cooktop
  • Dishwasher
  • Garbage disposal
  • Garage door opener
  • Air conditioning
  • Heating system
  • Water heater
  • Electrical system
  • Plumbing system
  • Ductwork
  • Everything covered by the Gold Plan
  • Plumbing stoppages
  • Faucets
  • Built-in microwave
  • Ice maker
  • Fans
  • Everything covered by the Platinum Plan
  • Electronics
  • Exterior sewer lines
  • Exterior water lines

Optional add ons

AFC offers the following coverage options for other appliances and systems at an additional cost:

  • Well pump
  • Sump pump
  • Stand-alone freezer
  • In-ground pool and spa
  • Central vacuum
  • Double oven
  • Ice maker
  • Septic system
  • Hot water dispenser
  • Electronics
  • Roof leak

AFC customers also get access to exclusive products and services at special rates, including the following:

  • Multi-property discounts
  • Discount on parts and accessories for home appliances through Encompass, a parts supplier
  • Special rates for smart home security products
  • Coverage for home electronics from Jacana Warranty
  • Access to the Emergency Alert Network for personal emergency notifications
  • Free credit monitoring
  • Vision and dental insurance and discounts

AFC Home Warranty coverage limits

Most home warranty providers have coverage limits, and AFC Home Warranty is no exception. These limits are the maximum amounts the company will pay when a covered system or appliance breaks down.

All of AFC Home Warranty’s plans have a maximum payout of $3,000 per item — for access, diagnosis, repair or replacement of appliances. The maximum payout resets at the beginning of each contract term (typically every 12 months).

Other specific coverage limits include:

Covered item

Coverage limit

Range exhaust

Up to $150 per membership term

Ice maker

Up to $300 per membership term

Garbage disposal

 Up to $150 per membership term

Garage door opener

Up to $500 per membership term

Code upgrades or modifications

Up to $150 per membership term


Up to $ 150 per membership term

Electrical services

 Up to $500 in aggregate per term

Ceiling, exhaust or attic fan

 Up to $150 per membership term

Plumbing system

 Up to $500 in aggregate per term 

Plumbing stoppages

Up to $300 per membership term

In-ground pool or spa equipment

Up to $500 per covered request

Well pump

Up to $500 per membership term

Sump pump

 Up to $500 per membership term

Central vacuum

Up to $150 per membership term

Stand-alone freezer

Up to $500 per membership term

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What AFC Home Warranty doesn’t cover

AFC Home Warranty doesn’t cover damages caused by accidents, neglect or natural disasters, including floods, fire, wind, hail storms, earthquakes, rain, theft or vandalism. Additionally, AFC plans don’t cover damages caused by pests, mold, corrosion, pre-existing conditions, collapsed ductwork or mildew.

Aside from these limitations, some appliances may have parts that are excluded from the coverage. Some components and parts that AFC Home Warranty’s plans don’t cover include:

  • A/C window units, portable units, chiller systems, solar heating systems, humidifiers, dampers, heat lamps and underground piping.
  • Some parts of kitchen refrigerators, such as coils, valves, touch displays, water lines, door hinges, filters and removable parts
  • Crushed or improperly sized ductwork
  • Solar water heaters and components
  • Auxiliary storage or expansion water tanks
  • Noise caused by sediment
  • Low-voltage wiring, power outages, circuit overload, inadequate wiring
  • Electrical modifications or code violations
  • Piping failure or stoppages caused by freezing, roots or collapse piping

For more information about coverage, limitations and exclusions you can check AFC Home Warranty’s sample contract.

AFC Home Warranty availability

State availability

AFC Home Warranty is available in every state except California, Hawaii and Washington.

Contact information

AFC Home Warranty offers 24/7 customer service. To submit a claim you can either log in to the customer portal or call AFC’s service center at 855-613-4555.

To request information about plans, coverage and pricing you can call 855-647-0645. You can also send an email to info@afchomeclub.com.

User experience

AFC’s website is easy to navigate and provides detailed information about its service contracts, terms and limitations. You can easily request a quote, compare plans online or use the customer portal to submit a claim and manage service requests.

AFC Home Warranty credentials

Regulatory or legal actions

At the time of publication, we didn’t find any recent regulatory or legal actions against AFC Home Warranty.

Although we try to include accurate and up-to-date information on regulatory and legal actions, this information may not be complete or fully up to date. We recommend you do your own research for the latest information.

AFC Home Warranty customer satisfaction

Third-party ratings

  • Better Business Bureau (BBB): 2.71 out of 5 average rating from 181 customer reviews.

Customer complaints

AFC Home Warranty has a B rating from the BBB. The company has had 150 complaints closed in the last three years and 58 complaints closed in the last 12 months.

We found that most of the complaints filed against AFC Home Warranty are about the warranty coverage limitations and issues submitting claims. Other common complaints have to do with:

  • Low payouts
  • Poor customer service
  • Inaccurate information provided by sales representatives

The research above is based on data that was available at the time of publication.

AFC Home Warranty comparisons

AFC Home Warranty vs. American Home Shield

American Home Shield (AHS) is one of the largest home warranty providers in the country, and stands out for its high-coverage limits for HVAC systems.

Although American Home Shield doesn’t offer a system-only plan like AFC Home Warranty, it features three comprehensive plans that cover a combination of appliances and systems starting at relatively lower prices than AFC.

The major difference between these two home warranty providers is their coverage payout limits. Compared to American Home Shield, AFC’s coverage limits for systems are much lower. For instance, American Home Shield pays up to $5,000 for HVAC systems and ductwork and up to $2,000 and $4,000 for appliances (depending on your plan), while AFC pays a maximum of between $150 and $500 for most systems and $3,000 for appliances.


Plan pricing
(per month)

Service Call Fee
(or deductible)


BBB Rating

AFC Home Warranty

$48.75 - $112.75*

$75, $100, $125

Nationwide, except CA, HI and WA


American Home Shield

$29.99 - $89.99*

$100, $125

Contiguous US


Read the full American Home Shield review

AFC Home Warranty vs. Select Home Warranty

Select Home Warranty is another major home warranty company that stands out for including roof leak coverage in all its plans and featuring plan discounts throughout the year.

Select Home Warranty offers three tiered plans with prices ranging from around $42 to $48 and a $75 service call fee. Select’s most basic plans — Bronze Care and Gold Care — respectively cover appliances and systems only, whereas its premium plan, the Platinum Care, covers both.

Select and AFC have similar coverage limits for systems such as plumbing and electrical, with a maximum payout of $500. However, Select falls short when it comes to appliances, covering only up to $500 compared to AFC’s $3,000 maximum, but it makes up for it with a coverage of up to $3,000 for HVAC equipment.


Plan pricing
(per month)

Service Fee
(or deductible)


BBB Rating

AFC Home Warranty

$48.75 - $112.75*

$75, $100, $125

Nationwide, except HI, CA and WA


Select Home Warranty

$42 - $48* 


46 states


Read the full Select Home Warranty review

Explore other home warranty options

Check out our reviews for other home warranty companies you can consider:

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AFC Home Warranty FAQs

What is AFC Home Warranty?

AFC Home Warranty is a home warranty service provider that offers coverage for eligible home systems and appliances when they break down.The company stands out for its lengthy workmanship guarantee and for letting you choose your own contractors and technicians. In addition, it offers access to membership benefits with various retailers, insurance companies and discount programs.

What does AFC Home Warranty cover?

AFC Home Warranty plans cover kitchen and laundry appliances, garage door openers, and home systems such as plumbing, interior electrical, heating and cooling systems. Coverage, however, varies depending on the plan you choose.

How much does AFC Home Warranty cost?

AFC Home Warranty costs vary depending on the plan you choose, the location of your home and the service fee option you choose — $75, $100 or $125. Its most basic plan— which covers nine different appliances, including kitchen and laundry appliances — starts at around $48.75 per month, if you choose the $125 service call fee.

How to cancel an AFC Home Warranty?

You can cancel an AFC Home Warranty membership at any time. To do so you have to send a signed cancellation letter via email to cancelsupport@afchomeclub.com.

If you cancel within the 30-day waiting period, you're entitled to a full refund. After the initial period, the company pays a prorated refund and charges a $75 cancellation fee.

How we evaluated AFC Home Warranty

We evaluated AFC Home Warranty based on publicly available information and the following factors:

  • Services offered: We reviewed the company’s coverage, plans, and limitations and compared them to those of other home warranty companies.
  • Cost: We compared plan pricing and coverage to determine cost effectiveness.
  • Availability: We looked for companies with nationwide coverage or servicing at least 35 states.
  • Legal actions: We evaluated whether the company had any recent legal or regulatory actions.
  • Customer service: We checked the company’s standing with the BBB and looked at satisfaction ratings and customer reviews to get a better understanding of customer’s experiences.

Summary of Money’s AFC Home Warranty Review

America’s 1st Choice Home Warranty plans offer many coverage options, membership perks and benefits and flexibility to choose your own contractor. The company also features one of the longest workmanship guarantees in the home warranty industry, with a guarantee that covers labor and parts for the lifetime of your contract.

As usual, we recommend doing your own research and comparing coverage between home warranty providers before deciding if AFC Home Warranty offers what you need.

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