Our Review of AFC Home Club Warranties

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.
By Home Service Research Team
November 20, 2020
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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 678-335-2181 or fill out this form.

In this article:

  • Background & Availability
  • AFC Home Club Plans
  • AFC Home Club Cost
  • How to Submit a Claim
  • AFC Home Club Reviews
  • Verdict & Recommendation
  • Best Home Warranty Companies
  • Frequently Asked Questions

Background & 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.

AFC Home Club offers four coverage plans, including two comprehensive coverage plans that cover both home systems and home appliances. The company is available in 46 states, excluding Nevada, South Carolina, California, and Hawaii.

AFC Home Club Plans

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.

The Systems Plan covers the following:

  • Electrical system
  • Air conditioning system
  • Water heater
  • Heating system
  • Plumbing system
  • Ductwork

The Silver Plan covers the following:

  • Clothes dryer/washer
  • Refrigerator
  • Oven/Range/Stove
  • Dishwasher
  • Garbage disposal
  • Garage door opener

The Gold Plan covers everything in the Systems and Silver Plans.

The Platinum Plan covers everything in the Systems and Silver Plans, plus:

  • Built-in microwave
  • Ice maker
  • Plumbing stoppages

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

  • Sump pump
  • Central vacuum 
  • Well pump
  • Pool and spa
  • Standalone freezer
  • Hot water dispenser 
  • Tankless water heater
  • Septic system

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.

Overall, AFC Home Club offers impressive coverage plans considering its plans’ breadth of coverage, additional benefits, optional add-ons, and generous service guarantee.

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. A service fee is the amount you pay for every repair or replacement. The higher the service fee you select, the lower your monthly premium will be.

Below are some sample prices for each plan:

  • Silver Plan: $37.50 per month
  • Systems Plan: $39.58 per month
  • Gold Plan: $45.83 per month
  • Platinum Plan: $50.00 per month

Note: AFC Home Club’s optional add-ons cost between $25–$150, depending on the specific item you add to your plan.

AFC Home Club Reviews

AFC Home Club has received a large number of both positive and negative reviews from customers. Positive reviews tend to emphasize the company’s quick customer service, long service guarantee, and ability to choose a service technician. Negative reviews often mention unexpected claim denials.

Because there are a few reviews that mention unexpected claim denials, it’s important for prospective customers to read the terms and conditions of an AFC home warranty plan before signing a contract.

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:

I keep getting emails and texts as if I've opened multiple new cases and updating me on their non-existent progress, even after I called to confirm on my original one last week.” — Courtney P. via BBB on July 27, 2020

[AFC Home Club] is the best home warranty company I have ever dealt with. AFC is always courteous and concerned about taking care of my issues, and the company follows up with us on each service request. The best part is the value for the money is excellent. I would highly recommend them to anyone!” — Glenda E. via BBB on July 27, 2020

They are by far the most difficult home warranty company to work with. Today, they provided me with the company’s depreciation schedule. Funny how it is not shared with you when the company is trying to get you to sign on.”  — Bob D. via Yelp on August 3, 2020

I have been a customer of AFC for a few years. We have two homes with them. I recently had an issue at my rental home. Karen, the service manager, has always been very helpful, responsive, and professional. She took care of my issue in a timely manner. Very happy with the results and service.” - Sergio A. via BBB on July 23, 2020

How to Submit a Claim

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. AFC has the most flexible plan options because of its two combination plans, generous cancellation policy, and ability to choose your own service technician. Additionally, it offers unique benefits like free credit monitoring and identity theft protection from MoneyTips and 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 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 three providers with the highest scores were American Home Shield, Choice Home Warranty, and Select Home Warranty. See how AFC Home Club compares to these providers below.

AFC Home Club

  • Get a free quote: Call 678-335-2181 or fill out this form
  • Our verdict: Most Flexible Plan Options
  • Number of plans: 4
  • Monthly cost: $37.50– $50.00
  • Service fee: $75–$125
  • State availability: All but NV, SC, CA, and HI
  • BBB rating: B

Choice Home Warranty

  • Get a free quote: Call 929-400-6165 or complete this form
  • Our verdict: Best for Older Homes
  • Number of plans: 2
  • Monthly cost: $36.17–$43.85
  • Service fee: $60–$85
  • State availability: All but CA and OK
  • BBB rating: B-

Amazon Home Warranty

  • Get a free quote: Call 866-605-8194 or complete this form
  • Our verdict: Best Add-Ons
  • Number of plans: 3
  • Monthly cost: $42.00 to $52.00
  • Service fee: $75
  • State availability: All but CA, IA, ME, OK, and WA
  • BBB rating: Not rated

Select Home Warranty

  • Get a free quote: Call 888-370-3956 or complete this form
  • Our verdict: Best for Budget Shoppers
  • Number of plans: 3
  • Monthly cost: $35.83–$37.50
  • Service fee: $75
  • State availability: All but NV, NY, and WA
  • BBB rating: B-

American Home Shield

  • Get a free quote: Call 844-529-9298 or complete this form
  • Our verdict: Best Overall
  • Number of plans: 3
  • Monthly cost: $49.99–$59.99
  • Service fee: $75–$125
  • State availability: All but Alaska
  • BBB rating: B

Frequently Asked Questions About AFC Home Club

Is a 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. 

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’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.