We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more

AFC Home Warranty Review


ConsumersAdvocate.org Rating: 3.9 / 5 (Very good)
265 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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
Display Less
4 More

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

Leave a comment for AFC Home Warranty
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

265 Customer Comments & Reviews

Loading Reviews ...
K
Kim
10/12/2017
I wished I would have read some of these reviews before purchasing from this home Club. Our dishwasher is not working properly. We called and paid the $60 for a diagnostic. Now they are telling me that the will only give me $122.22 to fixing or replacing my dishwasher. The depreciation bit was not mention on the phone. It was in my terms and condition that you received after buying the warranty.


Matthew C
9/27/2017
terrible home warranty. stay away from this company. rarely will I ever speak negatively about a service/produce but this is the only leverage we have as consumers to make sure companies do their part. do not believe consumer advocate review. this company will not honor contract. can't get them to fix my refrigerator because they say its too old ?? where has anyone heard of that !! believe me. stay away.


Matthew C
9/27/2017
we submitted a claim to repair our subzero refrigerator. took them 2 weeks to get someone there and now they are saying they will not pay the repair because the fridge is too old. this was not indicated anywhere in the contract nor were we explained any of this. This is not right and I am disappointed i left american home shield for this company based on Consumer Advocates online review and recommendation. STAY AWAY from this company. I rarely will rate a company negatively because there are always circumstances on both sides, but here it is a clear rip-off. Pls do yourself a favor and stay away! Policy # CLR -96007430

AFC C  
Official Response

Responder of AFC Home Warranty
Matthew, we apologize for the delay in getting a technician to your home. With Sub Zero and other high-end appliance brands we have to send brand-certified technicians and this can create delays. A service manager will be in contact with you shortly.

Keshava P
9/26/2017
The warranty is affordable. That is good. the problem is: it seems we have to fight sometimes to get repairs paid. Lately the experience has been better. Another problem: online claim request not available

AFC C  
Official Response

Responder of AFC Home Warranty
Prasad, we appreciate your feedback and looks forward to servicing your home! If you need to place a service request online, please do so here: https://afchomeclub.com/request-service/

A
Abhay
9/12/2017
America's First Choice Home Club had good reviews and they would let me use my own contractor, so I chose them over other providers. Dealing with their reps has been straight forward and I had no difficulties in submitting my claims with them. Also, the technicians who came out were capable people and I have no issues with their work.

A
AFC C  
Official Response

Responder of AFC Home Warranty
Thank you, Abhay for your feed back. We appreciate your business with us and look forward in continuing to be at your service. Call us anytime, customer service is our highest priority!

S
Steve E
9/11/2017
If you're thinking about buying a home warranty policy, and think that 'AFC Home Club' might be a good choice, think again! RUN, don't just walk away from these guys. (They've actually been described as the 'rattlesnakes of the home warranty business' by others in the trade, and they're so right!) I bought a policy with AFC and here's what I found out, and regretfully, found out too late. The small print in their convoluted contract clearly states the following : • They have a 'whopping' $1,500 maximum on each repair, and that makes little sense with their advertised 'repair or replace' program. If you need to replace an a/c for example, and if the broken or damaged item... Read More

A
AFC C  
Official Response

Responder of AFC Home Warranty
Steve, we apologize that we were unable to meet your personal needs with your particular situation. We will have one of our managers reach out to you to resolve your issues.

M
Mike L
8/31/2017
These guys are terrible. They use all kinds of little caveats to avoid paying your claim and they also set what seem like arbitrary limits to how much they will pay. Do not use this Warranty Company!

A
AFC C  
Official Response

Responder of AFC Home Warranty
Mike, we try our best to assist every homeowner with each of their individual needs as best as we can. We apologize that we were unable to succeed in pleasing you personally. We thank you for your business with us, feel free to call us anytime and we would be happy to resolve your frustrations.

M
Marilyn
8/23/2017
I was looking for a new home warranty and AFC Home Club had recommendations in their website, so I got them. I have submitted a claim online and their website was very easy to use. It worked for me. I got a response in within 12 hours because I did it on a weekend. It was a hot water heater that went out, came back on, and then didn't work for a month. It is not an emergency. But if it is, I will call them. They answer on weekends but I'm not going to take advantage of that. So, it took a couple of days before I received a confirmation on who was coming out. The young man they sent out impressed me. He explained everything to me and walked me through the process. He stayed until it was... Read More

A
AFC C  
Official Response

Responder of AFC Home Warranty
Marilyn, we are happy to hear that you have had such a great experience with us. We do our very best to get back to all of our homeowners as quickly and sufficiently as possible. Customer service is our highest priority, we are here for you anytime! Thank you for your business with us.

M
Marilyn
8/23/2017
I was looking for a new home warranty and AFC Home Club had recommendations in their website, so I got them. I have submitted a claim online and their website was very easy to use. It worked for me. I got a response in within 12 hours because I did it on a weekend. It was a hot water heater that went out, came back on, and then didn't work for a month. It is not an emergency. But if it is, I will call them. They answer on weekends but I'm not going to take advantage of that. So, it took a couple of days before I received a confirmation on who was coming out. The young man they sent out impressed me. He explained everything to me and walked me through the process. He stayed until it was... Read More


M
Marilyn
8/23/2017
I was looking for a new home warranty and AFC Home Club had recommendations in their website, so I got them. I have submitted a claim online and their website was very easy to use. It worked for me. I got a response in within 12 hours because I did it on a weekend. It was a hot water heater that went out, came back on, and then didn't work for a month. It is not an emergency. But if it is, I will call them. They answer on weekends but I'm not going to take advantage of that. So, it took a couple of days before I received a confirmation on who was coming out. The young man they sent out impressed me. He explained everything to me and walked me through the process. He stayed until it was... Read More



Our Partner
  • Halloween Sale: 15% OFF ALL PLANS
  • Covers HVAC, Plumbing, Appliances & more
  • Unique Member Benefits & Discounts
  • Guarantees Repairs for Life of Plan