Deciding between AFC Home Club and American Home Shield? We examined these providers' coverage plans, cost, and customer reviews to help you decide which company is the best fit for you and your home. For alternative home warranty companies worth considering, read our article on the best home warranty companies.
In this article:
AFC Home Club
American Home Shield
AFC Home Club, also known as America’s 1st Choice Home Club, offers four coverage plans: Systems Plan, Silver Plan, Gold Plan, and Platinum Plan. The Systems Plan covers only systems, while the Silver Plan covers appliances exclusively. The Gold Plan protects both systems and appliances covered in the Systems Plan and Silver Plan, and the Platinum Plan includes everything in the Gold Plan, plus coverage for a built-in microwave, plumbing stoppages, and an ice maker.
With each of its coverage plans, AFC Home Club guarantees parts and labor for the entire duration of a homeowner’s membership. The company also offers free credit monitoring and discounts on maintenance-related supplies, restaurants, home security services, and more.
AFC Home Club also offers coverage for six optional add-ons:
View the specific items covered under each AFC Home Club plan below:
The Systems Plan covers the following:
The Silver Plan covers the following:
The Gold Plan covers everything in the Systems and Silver Plans.
The Platinum Plan covers everything in the Systems and Silver Plans, plus:
American Home Shield offers three coverage plans: a Systems Plan, Appliances Plan, and Combo Plan. The Systems and Appliances Plans cover systems and appliances, respectively, while the Combo Plan covers 21 appliances and systems, accounting for all items included in the first two plans.
Note: All American Home Shield plans come with a service guarantee of 30 days on both parts and labor.
American Home Shield offers five optional add-ons:
View the specific items covered under American Home Shield plans below.
The Appliances Plan covers:
The Systems Plan covers:
The AHS Combo Plan combines all the coverage of the previous two plans.
According to the sample quotes our review team received, AFC Home Club and American Home Shield both offer coverage plans for under $60 per month. As seen in the table below, AFC Home Club offers slightly more affordable coverage than American Home Shield. Both companies allow you to select a service fee between $75–$125.
Note: The cost of optional add-ons depends on the specific items you include in your plan, but these optional coverage items typically add about $40-$180 to a homeowner’s annual home warranty cost.
Both AFC Home Club and American Home Shield are accredited by the Better Business Bureau (BBB) and received B ratings from the organization. In terms of customer reviews, AFC Home Club has received more positive reviews, on average, than American Home Shield.
Here are a few BBB customer reviews for AFC Home Club and American Home Shield:
“Best home warranty company I have ever dealt with...always courteous, always concerned about taking care of my issues, and they follow 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.
“A part in my condensing unit broke. I was able to hire my own contractor to fix it. They came out. We called AFC Home Club for approval. We had it in about 15 [minutes] and the contractor was able to fix it. Went very smoothly.” — Brian
“Great experience with a skilled technician to address my garbage disposal problems. Prompt, polite, and knowledgeable. Assessed the situation quickly and completed work professionally.” — Jill B.
“I've submitted two claims so far—both of which were handled immediately. Incredibly happy with this service, and I highly recommend it.” — Stephanie W.
Both AFC Home Club and American Home Shield offer multiple coverage plans for under $60 per month. Our review team named American Home Shield as the best overall home warranty company because of its breadth of coverage, unique benefits such as coverage for items with unknown pre-existing conditions, and reputation as an industry leader. We named AFC Home Club as the home warranty company with the most flexible plan options because of its comprehensive coverage plans.
If you prefer a provider with decades of experience in the industry that serves nearly two million customers, consider choosing American Home Shield. If you’re seeking a lifetime service guarantee on repairs and replacements or want a more affordable home warranty company, consider choosing AFC Home Club.
A home warranty plan protects homeowners from paying for expensive repairs and replacements when major systems and appliances break down due to normal wear and tear. Homeowners insurance protects homeowners from structural damage caused by unexpected events, like a burglary or fire, and personal liability claims.
Not only does a home warranty prevent homeowners from paying expensive repair and replacement costs on their home appliances and systems, it can also help them find a trusted technician to complete the necessary repairs.
A typical monthly premium costs about $25 to $60 per month, and a service fee costs about $75 to $125.
With home warranty coverage, homeowners pay a set monthly payment to receive protection for their major systems and appliances. When one of these covered items fails or breaks down, the homeowner can place a service call with their home warranty company and have a technician come out to inspect the issue and perform the necessary repair or replacement, at which time a service fee is paid.
If you’re a new customer with AFC Home Club or American Home Shield, you must wait 30 days after signing your contract before you can submit your first service request on a covered item.
A comprehensive coverage plan is a home warranty plan that covers both home appliances and systems, rather than exclusively covering appliances or systems.
Though our review team gave American Home Shield a higher rating than AFC Home Club, both providers are among the best home warranty companies in the industry. We named American Home Shield as the best overall home warranty company and AFC Home Club as the provider with the most flexible plan options.
It depends on which home warranty plan you purchase. AFC Home Club’s Systems, Gold, and Platinum plans cover HVAC systems, while American Home Shield’s Systems and Combo plans cover HVAC systems. You can also cover an HVAC system with American Home Shield’s Build-Your-Own Plan.
Here are some other home warranty companies that made our review team's best home warranty list: