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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.

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
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

Loading Reviews ...
Joanna M
6/25/2018
Initially this home warranty company seemed different. I did a great deal of homework before deciding on one. I called and thought I asked all the important questions. I reviewed the fine print. It seems the sales person only told me what I wanted to hear to sell a product and now the company doesn't stand behind what it sold me. I purchased the platinum 3 year policy- with promise the company would assist in every step and in every way. I was assured that if the company deemed an appliance not repairable AFC would assist me in getting a comparable product at a reasonable price through avenues they had the average consumer did not. In the sale person’s own words "AFC wouldn't leave me... Read More


J
Janice T
6/4/2018
Very bad company. I bought the platinum plan, I requested services on a clogged pipe in the kitchen. The company refused to cover it. They refused under the bases that they do not cover corrosion or pipes that have clogged. My pipe was not corroded, it had a build up of normal grease. I know that as I hired a plumber to come out and fix it. Pipes get clogged from normal wear and use. The company not cover it. Be aware, read the contact, you will spend money for nothing.


C
Cammille S
6/3/2018
I had a very good experience when selecting this company to provide my home warranty service. The only thing that keeps me from rating it as outstanding (5 stars) is the 30 wait period for submitting a claim. I understand their reasoning; however, since their initial call is to do an A/C inspection, I would think that the waiting period would only be until that could be completed, which could be within 3 work days.


R
Richard
5/22/2018
I heard about America's First Choice Home Club a long time ago and I looked for them on the internet. I signed up after leaving one of those terrible home clubs. America's First Choice Home Club’s price is reasonable and it stays the same forever. The deductible is only $60. And if they come out and they fix something and something goes wrong, when they come back out again, they don't charge me for it. Their service is very easy. I just call in and talk to somebody or I can do it over the internet and they set it up. They find somebody in the area and the contractors come out and take care of my service. It took about a day to get my claim done when I had a problem with my air... Read More


M
Meca
5/16/2018
Don't use this company. Sent someone out never fixed my issue. Caused a flood that went to my neighbors home . Told me they have nothing to do with that. And refused to return my call or letter about this matter. And ruined my floor as well.


R
Rod M
5/15/2018
Horrible company. Please read all fine print before considering this company. You may find that you are better off paying out of pocket since you will end up doing it any way. R. Mayweather Atlanta, GA


A
Ara R
5/2/2018
I Googled America’s First Choice Home Club and saw it was the top-rated one. I have filed two claims over the phone and it's been pretty quick. The reps were good and so were the technicians. They're still working on the garage while the washer had something with the computer. It was damaged and they replaced it. I recommend AFC. So far, I have no problems with them.


Elaine B
3/23/2018
I have been with this company less then a year. they say flat rate of 60 dollars. every time they have come out its been the 60 dollars then at least 200 extra each time. I also put a claim in about a week ago for a leak have had one company that they said then took back now another company I have been giving and called them twice they are not returning my calls. the leak is getting worse and now I will probably have to pay more then the 60 dollars. Its like an insurance company you get discounts but they don't do what they say and they take a long time to get the stuff done. Will probably not renew and did recommend this company once but now that I need to use it not going to... Read More


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Savannah M
3/22/2018
I have been with this company for 4 years now and each interaction I have had has been great! I was surprised to read some of the other reviews but I am happy. I just had a plumbing issue with my toilets and sinks backing up. I called them that morning and they had a plumber set up for me within a few hours. He snaked the lines and had to replace some piping which I know can't be cheap. I have had about a request a year so far and each time I have been happy, I feel like I am getting my monies worth and that I am appropriately protected.


J
Jamie
3/20/2018
To the contrary of some other reviews, I'd rate this company a F based on my experience with this company for two years now. Each time I called, there were always something extra I had to pay and none of those were disclosed during the sales. In fact the sales person said, you only pay for the initial call and they'll take care of the rest. So far this is not true. One time I was making a call and said there were bath rooms upstairs and downstairs that need to be checked for leaking. The rep told me I have to pay an initial fees of $65 for each floor. I had to speak to a manager to revert that. This is a horrible company. Think twice before you buy their home warranty. There are better... Read More



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