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AFC Home Warranty Review


ConsumersAdvocate.org Rating: 3.9 / 5 (Very good)
265 Customer Comments & Reviews - see all comments
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AFC Home Club is a Georgia-based company focused on providing home warranties to homeowners across the United States. They offer three different plans with varying levels of coverage for appliances and home systems.

Additional coverage can be added easily, making them fully customizable. They are a BBB-accredited company with a B letter rating.
 
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How is AFC Home Warranty rated?

Breakdown

3.5/5
Transparency
3.5/5
Claims Processing
4.0/5
Coverage Options
4.0/5
Additional Benefits
4.5/5
Customer Experience

Overall Rating: 3.9 / 5 (Very good)

America’s First Choice Home Club's in-house service, online member portal, and overall track record make it stand out as one of the most comprehensive home warranty companies.

Their uniform service benefit cap, especially, indicates that AFC is a company that aims to simplify what is normally a very complex service.

Both their generally positive online reviews and their lower-cost, flat-rate service fee make them an excellent choice for a home warranty.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Term Benefit Limit
$10,000
Typical Appliance Benefit Limit
$2,000
Typical Systems Benefit Limit
$2,000

Coverage Options - 4 / 5

AFC Home Club’s hybrid policies cover many of the same systems and appliances as its competitors.

Notwithstanding the lack of included specialty items, a good benefit is their user friendly, every-item service cap of $1,500-$2,000. HVAC systems are subject to no coverage caps, which is a great addition for the company.

AFC Home Club only covers issues that arise after they begin providing service. Exclusions covered in the below link refer to AFC's Platinum plan, which is the most comprehensive.

Exclusions in other plans will be the same as Platinum covers all items one might find in other plans.

What does AFC Home Warranty cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
  • Sump Pump
  • Septic System
  • Hot Water Dispenser
  • Pool & Spa
  • Tankless Water Heater
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Exclusions

For a full list of AFC Home Warranty exclusions, check out this page.

Contract & Price

Contract Details

Annual Premium
Starting at $395
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 3.5 / 5

AFC Home Club’s base-level contract’s annual premiums begin at $395.

In addition to a personalized quote calculator and sample contract available on the website, a 30-day refund policy is guaranteed, as is a pro-rated version after that period.

The sample contract provided here refers to AFC's Platinum plan, which is its most comprehensive coverage. To see the contracts for the other plans please visit the company website.

Not only is their contract available on their site, but they have a page dedicated to explaining in detailed, user-friendly language exactly what is covered for any give item.

Sample Contract

AFC Home Warranty provides a sample contract for potential customers on its website: AFC Home Warranty Sample Contract

Cancellation Policy

Customers can cancel the policy any time for any reason for a pro-rated refund. If AFC cancels a customer for non-payment, though, no refund is due.

New members may cancel within the first 30 days of the order date for a full refund of the paid membership. After 30 days, the customer shall be entitled to a pro rata refund of the paid membership fee, less any claims paid or time used in membership by CRAST, and a $75.00 cancellation fee.

Claims & Service

Claims

Service Fee
Service fee is dictated per your Declaration Page
Maintenance Records Required for Service?
Yes
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
Any Contractor

Claims Processing - 3.5 / 5

AFC Home Club's service fees of $75, $100, and $125 keeps them competitive with comparable companies in the industry. Its 30 day waiting period is fairly standard.

AFC allows customers to work with out-of-network contractors of their choosing.

However, they do have to be licensed, bonded and insured. AFC only requires maintenance on HVAC systems in the first year of the contact.

Moreover, if a claim is filed before the 30-day waiting period has expired, the maximum payout amount is limited to $150.

AFC Home Warranty Reputation

Company Details

Year Founded
2009
NHSCA Membership
BBB Rating
B
BBB Positive Reviews
31
BBB Neutral Reviews
0
BBB Negative Reviews
22
Date Collected
2017-07-26

Reputation - 3.5 / 5

AFC Home Club is a member of the NHSCA and has maintained accreditation by the Better Business Bureau since 2009.

Its B rating is supported by 31 positive reviews and 22 negative reviews.

Contact & Additional Information

Homepage URL
https://afchomeclub.com/
Company Phone
(866) 242-0629
Headquarters Address
1343 Canton Rd, Marietta, GA, 30066
Mailing Address
1343 Canton Rd, Marietta, GA, 30066
Year Founded
2009

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265 Customer Comments & Reviews

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readynae
7/11/2019
Absolutely worthless! I submitted claims 3 times all were denied. Money wasted!

AFC C  
Official Response

Responder of AFC Home Warranty
Upon researching the information you have here I do not see that you are a member with AFC Home Club.
bridgetschliefert
7/8/2019
They argue with every single thing you try to get assistance with fixing. Having an issue with them not even wating to send someone out for an A/C leak because they said the only way it will leak is if the drain line is clogged, which it is NOT! They don't care though. When my unit catches fire because they refuse to help before it causes damage, I'll just call my lawyer.

AFC C  
Official Response

Responder of AFC Home Warranty
Bridget, We apologize for your frustration but the only reason a unit leaks water is from a clogged drain line or broken condensate pump which neither are included for coverage as they are maintenance items and not mechanical failures. Per the EPA A clogged condensate drain line is the most common cause of water leaking from your AC into your home. If the drain line gets clogged with dust, dirt, sludge or mold, that water backs up into your home. In that case, you'll need to unclog it. We are transparent in the fact that like cars these units need to be properly maintained and while that will not keep it from failing it will keep things like this from occurring. Per guideleins, these are listed as excluded and it is Industry standard. Please have a technician come and perform the units annual maintenance before damage is caused to your home. Thank you for your time.
J
Jason
7/8/2019
I have a case open for over 7 business days for my AC. I just got a VM today that my case finally has a "resolution" or "decision" 4 days after a vendor provided the diagnosis and request for repair (it 3 days to get a vendor on site). I call back to find out what the repair authorization will be and spent 20 min on hold waiting for a Rep to answer. I still don't know what the repair decision is because instead of providing an update by email or VM I have to call back and spent 10-20min on hold every time I call. I have had AFC's service for three years now and made maybe 3 service calls for pretty minor stuff. I am certainly not getting my money's worth at this point and will be... Read More

A
AFC C  
Official Response

Responder of AFC Home Warranty
Jason, I cannot find you as a member. If you could please provide more contact information we will have a representative reach out immediately. Or hold time are normally no longer than 3 minutes but with the Holiday weekend, they were longer than normal.
T
Tim W
7/3/2019
Good communication and follow through until job completion. Approval process was timely.

P
Peggy C
6/25/2019
The vendor arrived on schedule and serviced my a/c unit so it's now working. I rec'd an invoice for $133.94 and know I need to pay $60 for the service call. How is the remaining balance of $73.94 being paid? I have not rec'd any confirmation of this.

A
AFC C  
Official Response

Responder of AFC Home Warranty
This was approved and is being sent to you. The supervisor attempted to call you to discuss the process. Normally we would just pay the technician but it seems he handed the bill to you. In the future, you would just give us a call and we can text or email you a link to forward that to AFC.
Masami S
6/13/2019
Very difficult to connect you. Nobody is available although it says you are open 24 hrs.

AFC C  
Official Response

Responder of AFC Home Warranty
Call 855-613-4555 which is 24 hours service.
R
Richard a
6/12/2019
Item was fixed within 48 hours of us calling in need of repair. The service man did a good job and was very friendly and polite.

A
AFC C  
Official Response

Responder of AFC Home Warranty
Thank you for the feedback on your experience. We truly appreciate it!
J
jenny
6/7/2019
The quick response to when it came to problem resolving was amazing. They were so helpful when things didnt go as planned. And is much appreciated.

A
AFC C  
Official Response

Responder of AFC Home Warranty
Jenny, We are here for the unexpected! Thank you for the feedback and we appreciate your membership with us.
Daniel W
6/4/2019
The company does not actually help you if the unit is under "parts only" warranty. You pay full price for service without them assisting. So this is the deal, not only is the company horrible at responding to calls, they do everything in their power to NOT help the client out with service on broken systems. The AC unit is covered under the service contract, BUT in their horribly long and misleading guidelines they have catches that screw over the consumer. In my instance, the AC unit is not blowing out cold air but the unit was installed 3 months ago. Through Goodman, I have a parts warranty for 10 years. Well, as AFC Home Club tells me "your request has been denied because you have a... Read More

AFC C  
Official Response

Responder of AFC Home Warranty
Ms Anner, There is no company out there that can supersede the manufacturer warranty. If you have this on your home you must always contact them first. By AFC completing repairs on your unit, it would void the manufacturer warranty. We apologize that you were not satisfied with this occurrence but we are in place to take over once the Manufacturer warranty has run out. It is an industry standard. Thank you for your feedback and we look forward the helping in the future.
C
Charles
6/3/2019
I think AFC Home club is the most incompetent home club company i have dealt with and i am cancelling my service. If i didnt have options i would have been miserable in the heat in my home. I think your paper work requests are ridiculous and i see why the people that work for you hve nothing good to say.

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