AFC Home Club Home Warranty Review
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 Club, 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
- AFC Home Club Home Warranty Overview
- AFC Home Club’s Services
- AFC Home Club Availability
- AFC Home Club’s Credentials
- AFC Home Club’s Customer Satisfaction
- AFC Home Club Comparison
- AFC Home Club FAQs
- How we evaluated AFC Home Club
File a Claim 24/7
Avoid Unexpected Repairs: $50 Off + 1 Month Free
- Offers service contracts
- File a claim 24/7
- Handled more than 6.6 Million Service Requests
- Nationwide Network of more than 25,000 Contractors
- Covered more than 2 Million Homes Across the USA
- Get a quote in 30 seconds
Multi-Year Discount Available
FALL SALE: $150 Off Any Plan + 2 Months FREE
- Appliance-only, systems-only, or combination plans available
- Covers single-family, multi-unit, and rental properties
- Multi-year discount available
- No home inspection required
- Free online quote
- File claims online or by phone
24/7 Support Whenever Your Appliances Fail
$100 off with Code PROTECT
- 24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
Choose Your Own Licensed Technicians
Limited Time Offer: Up to $250 Off + Free Roof Leak Protection
- Longest workmanship guarantee in the industry
- Choose your own licensed technicians
- 24-hour in-house service department
- Extensive coverage for systems and appliances
- Thousands of in-network contractors nation-wide
Industry Leader Since 1971
Get $150 OFF Any Plan
- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
AFC Home Club Home Warranty Overview
America’s First Choice Home Club (AFC Home Club) 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 Club’s Services
AFC Home Club plans and coverage
AFC Home Club 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
- Systems Plan
- Gold Plan
- Platinum Plan
Home warranty companies typically charge a service call fee, which is the deductible you pay when you request a service. AFC Home Club allows you to choose a service call fee amount of $75, $100 or $150. 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 three-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 Club’s plans include coverage for the following items:
| Silver Plan (Starts around $48.75/month or $508/year*) | Systems Plan (Starts around $57.08/month or $608/year*) | Gold Plan (Starts around $65.42/month or $708/year*) | Platinum Plan (Starts around $70.92/month or $774/year*) |
| - Clothes dryer - Clothes washer - Kitchen refrigerator - Oven/range - Cooktop - Stove - Dishwasher - Garbage disposal - Garage door opener | - Water Heater - Air conditioning - Heating systems - Electrical system - Plumbing system | - Clothes dryer - Clothes washer - Kitchen refrigerator - Oven/range - Cooktop - Stove - Dishwasher - Garbage disposal - Garage door opener - Water heater - Heating systems - Air conditioning - Electrical system - Plumbing system - Ductwork | All items in the Gold Plan, plus - Plumbing stoppages - Faucets - Ice Maker - Built-in Microwave - Fans (attic, exhaust, ceiling) |
| *Prices may vary depending on your state. Current quoted prices are for a home in New York. |
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
Coverage limits
Most home warranty providers have coverage limits, and AFC Home Club 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 Club’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
Ductwork
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
What AFC Home Club doesn’t cover
AFC Home Club 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 Club’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 Club’s sample contract.
AFC Home Club Availability
State availability
AFC Home Club Home Warranty is available in every state except Hawaii, California and Washington.
Contact information
AFC Home Club 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 770-973-2400.
To request information about plans, coverage and pricing you can call at 1-833-532-1191 or 1-844-674-1164. 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 Club Credentials
Regulatory or legal actions
At the time of publication, we didn’t find any recent regulatory or legal actions against AFC Home Club.
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 Club Customer Satisfaction
Third-party ratings
- Better Business Bureau (BBB): 3.06 out of 5 average rating from 240 customer reviews.
Customer complaints
AFC Home Club has a B rating from the BBB. The company has 137 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 Club 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 Club Comparison
AFC Home Club 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 Club, 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.
Company
Plan pricing
(per month)
Service Call Fee
(or deductible)
Availability
BBB Rating
AFC Home Club
$48.75 - $76.50*
$75, $100, $125
Nationwide, except HI, CA and WA
B
American Home Shield
$29.99 - $89.99*
$100, $125
Contiguous US
B
Read the full American Home Shield review
AFC Home Club 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.
Company
Plan pricing
(per month)
Service Fee
(or deductible)
Availability
BBB Rating
AFC Home Club
$48.75 - $76.50*
$75, $100, $125
Nationwide, except HI, CA and WA
B
Select Home Warranty
$42 - $48*
$75
46 states
B
Read the full Select Home Warranty review
Explore other home warranty options
Check out our reviews for other home warranty companies you can consider:
- Liberty Home Guard
- First American Home Warranty
- Cinch Home Services
- 2-10 Home Buyers Warranty
- American Residential Warranty
- Old Republic Home Protection
- Choice Home Warranty
- AHW Home Warranty
AFC Home Club FAQs
What is AFC Home Club?
What does AFC Home Club home warranty cover?
How much does AFC Home Club cost?
How to cancel an AFC Home Club home warranty?
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 Club
We evaluated AFC Home Club 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 Club Review
America’s 1st Choice Home Club 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 Club offers what you need.