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AFC Home Club Review | 2021

Is AFC Home Club the right home warranty provider for you? Read our AFC Home Club review examining the company’s coverage plans, reviews, and more.
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Considering AFC Home Club as your home warranty provider? In this review, we examine AFC Home Club's plans, cost, customer reviews, claims process, and more to help you decide whether it's the best home warranty provider for your home protection needs.

To get a free quote from AFC Home Club, call 877-755-1115 or fill out this form.

Best Plan Variety
AFC Home Club

AFC Home Club Pros & Cons



Provides 24/7 customer service

Features a $75 cancelation fee

Guarantees parts and labor for the life of your membership

Requires you to submit a claim within one day

Allows you to choose your own service provider


Background & State Availability

Founded in 2009 in Marietta, Georgia, America's 1st Choice Home Club (AFC Home Club) is known for its lifetime guarantee on parts and labor and its option for customers to choose their own service technician for repairs. In 2018, AFC Home Club was named among the 5000 fastest-growing companies by Inc. magazine.

  • Years in Business: 12 years
  • BBB Rating: B
  • Number of Reviews: 400+ reviews
  • State Availability: 48 states*

*AFC Home Club is unavailable in California and Hawaii

AFC Home Club Plans & Coverage

AFC Home Club offers a Systems plan, Silver plan, Gold plan, and Platinum plan to its customers. The Gold plan and Platinum plan are the company's comprehensive coverage plans, while the Systems plan and Silver plan cover systems and appliances, respectively.


Systems Plan: Best for Essential Systems

Includes the following major systems:
Electrical system✓
Air conditioning✓
Water heater✓
Heating system✓
Plumbing system✓

Silver Plan: Best for Essential Appliances

Includes all of the following major appliances:
Clothes washer & dryer✓
Oven / range / stove✓
Garbage disposal✓
Garage door opener✓

Gold Plan: Best for Systems/Appliances Combo

Covers everything from the Systems & Silver plans.

Platinum Plan: Best for Comprehensive Coverage

Covers everything in all above plans, plus:
Built-in microwave✓
Ice maker✓
Plumbing stoppages✓

Optional Add-Ons

In addition to four plans, AFC Home Club offers these optional coverage items:

  • Appliances: central vacuum, standalone freezer, double oven, ice maker, built-in microwave, hot water dispenser
  • Plumbing/water: septic system, tankless water heater, sump pump, well pump
  • Pool and spa

AFC Home Club's optional add-ons cost between $25–$150 per year, depending on which item you add to your plan.

AFC Home Club provides a guarantee for parts and labor on the items it covers for the life of customers' memberships—this is the longest work guarantee in the industry. It also allows customers to cancel their plans at any time and choose their own service technician.

AFC Home Club Cost

AFC Home Club offers premiums ranging from about $37.50 per month to $50.00 per month. The premium for your specific home will depend on the service fee you choose. AFC Home Club's service fees range from $75-$125. The higher the service fee you select, the lower your monthly premium will be.

Below are monthly prices for each plan with a $75 service fee:

Plan Monthly Cost

Silver Plan

$37.50 per month

Systems Plan

$39.58 per month

Gold Plan

$45.83 per month

Platinum Plan

$50.00 per month

AFC Home Club Reviews

AFC Home Club is accredited with the Better Business Bureau (BBB) and has a B rating from the organization. Here are some sample reviews we found when researching the company:

How to Submit a Claim with AFC Home Club

Customers with an AFC home warranty plan can submit a claim by calling the company at 1-855-613-4555 or by submitting an online request. Within 24 to 48 hours of your submission, AFC Home Club will contact a local contractor if you're not providing your own contractor for service. After your repair or replacement has been completed, you'll be contacted for an assessment of the contractor's work.

Verdict & Recommendation

With its lifetime service guarantee, four coverage plans, and reasonable cost, our review team named AFC Home Club as one of the seven best home warranty companies in the industry.


  • 2 combination plans
  • Generous cancellation policy
  • Ability to choose your own service technician
  • Free credit monitoring & identity theft protection from MoneyTips
  • Discounts for items like an ADT home security system

To get a free quote from AFC Home Club, call 678-335-2181 or complete this form. If you're still comparing your home warranty options, take a look at other top-rated home warranty providers below.

Best Plan Variety
AFC Home Club

Compare Home Warranty Companies

Our review team analyzed all of the major home warranty companies in the industry based on important factors like cost, breadth of coverage, and customer reviews. Using our research, we compiled a list of the best home warranty companies. The two providers with the highest scores were American Home Shield and Choice Home Warranty. See how AFC Home Club compares to these providers below.

Provider American Home Shield Choice Home Warranty AFC Home Club

Get a Quote

Our Verdict

Best Overall

Best Basic Plan

Best Plan Variety

Number of Plans

3 plans

2 plans

4 plans

Monthly Cost




Service Fee




States Covered

49 states (Not Alaska)

48 states (Not CA or WA)

48 states (Not including CA or HI)

BBB Rating




Learn More


Related Content

Home Warranty Rating Methodology

The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.

Here's what our review process looks like:

  • We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
  • We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
  • We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
  • We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
  • We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.

We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:


What we consider

Plan Options

The number and type of plan options offered to customers


The types of items included in a policy


How much each plan costs and the service fee options

Company Reputation

How the company is perceived through Better Business Bureau (BBB) ratings and a company's years in business

Customer Service

The customer service team's availability, what guarantees are offered, and what customer communication channels are provided (online customer portals, quote forms, etc.)

Unique Benefits

Factors that make the customer experience more seamless, such as allowing customers to choose their own contractor

Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.

AFC Home Club FAQ

Is a AFC Home Club home warranty worth it?

Whether a home warranty is worth it or not depends on a homeowner's individual circumstances and financial situation. Because home repairs and replacements may cost thousands of dollars and can happen unexpectedly, many homeowners like the financial stability and protection that comes with a home warranty plan. Homeowners who have a large amount of savings may prefer to pay out of pocket whenever a system or appliance breaks down. 

Does AFC Home Club require a home inspection?

No. As an additional benefit, AFC Home Club does not require a home inspection for coverage to begin. 

How do I cancel my AFC Home Club warranty? 

To cancel your plan, call the company's 24/7 customer support line to begin the cancelation process. You are not locked into a contract with AFC, but the company does feature a $75 cancelation fee.

Which home warranty is the best?

Our review team found that American Home Shield is the best home warranty provider for its comprehensive coverage plans, flexible service fees, and excellent customer service, but different home warranty companies have various strengths. You can see a full list of the best providers and their relative benefits in our review of the best home warranty companies.

What are AFC Home Club's contract terms?

AFC offers one- to three-year plans. Note: coverage won't kick in until after 30 days of signing your contract—this is also when you'll be eligible to submit your first claim with the company.