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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

Loading Reviews ...
G
Gale M
1/4/2018
The lady in customer service when I called to make a claim was very helpful a d responsive. The plumbing company , Multitasker, was also very responsive and seemed conscientious to get my problem solved.

A
AFC C  
Official Response

Responder of AFC Home Warranty
Gale, we are pleased to hear you enjoyed working with our service department! We look forward to servicing your home!
Carol K
1/3/2018
Very short waits when calling in. Quick response to problem. Fair coverage and quick payment to service provider.

AFC C  
Official Response

Responder of AFC Home Warranty
Carol, thank you for your feedback!! We look forward to servicing your home!!
Anabella B
1/2/2018
Tyler Hurtt and his manager Wes were extremely helpful and flexible during our last contract negotiation. After purchasing a warranty for my rental condo this last summer, I knew I would come back to them for a warranty for my home. I've never worked with such a friendly, customer service oriented warranty service group as AFC. While I've not had to file a service claim yet I expect the AFC service partners will be of equal caliber to them!

P
Patricia T
12/18/2017
They never seem to cover anything that needs to be repaired. This is my third call to them and it started with them telling me what they won't pay for even before the technician has arrived. For the last 2 service requests they did not cover anything. Always some fine print with more exclusions than inclusions. I was told that if the control board in my dishwasher was they bad they won't replace it because they get wet......It's a dishwasher, every part should be able to withstand water. Can't wash dishes without water!

Brian J
10/30/2017
Response time to my issue was good and the necessary repairs were made correctly. The set co-pay is nice and I feel that I am getting good value and peace of mind for the price I paid for my home warranty.

G
Gary L
10/27/2017
The salesman who assisted me was informative, polite & professional. I really like that I can select the contractors who perform the services on my home.

J
Jared S
10/27/2017
I talked to one of their sales rep in early March of 2017 and got a Home Warranty. Stressed to him that I wanted FULL coverage since I have a pool and lots of extra things to have covered. He went through a few items and got me set up. In April my microwave went out, filed a claim and they said I didn't have coverage of my microwave. He said he didn't tell me about it because most peoples microwaves are sitting on the counter and not very expensive (mine was a built in unit and cost $750 with install). FIRST BIG FAIL. We went over coverage again and he added my second refrigerator and said I was all covered. Next, in October had an issue with my Double oven. The cost is $1100 for a control... Read More

Syed K
10/18/2017
Excellent response time. Electrical person Mr. Esrael very pleasant and knowledgeable. Went above and beyond.

Keshava P
10/17/2017
Very courteous, responsive and efficient, great service, followed up with me several times during the repair process can I would recommend it, premiums very competitive

E
Eric
10/13/2017
I was with another warranty company for about 8 years, but the premium and trade fee kept getting higher and higher, so we went shopping around for another company. We settled with AFC Home Club and our experience has been very good so far. On our first claim, we used our own contractor for the HVAC work. We paid the full price and AFC reimbursed us everything, minus the trade fee. The reimbursement took about 5 weeks. On our second claim, we let their system figure out who to send and it worked out well. We paid the trade fee and the contractor took care of the rest. AFC followed up immediately afterward to make sure the work had been completed (so the contractor could get paid)... Read More

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