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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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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

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265 Customer Comments & Reviews

Loading Reviews ...
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Amber
7/18/2017
This is my first service call. It is related to a leaking problem in my toilet. It took less than 48 hours to get the work done. I am very satisfied with the customer service and work completed. Thank you for the quick service.

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AFC C  
Official Response

Responder of AFC Home Warranty
Amber, thank you for your post. Our main priority is keeping our homeowners satisfied. We believe in customer service and we are here to serve you to the best of our ability. Thank you for your business with us!

A
AP
7/18/2017
I am cancelling my contract after only 3 months of active coverage. I live in a new home that happened to encounter my first case, which was a problem with my 15 month old dishwasher. First, when I signed up for the warranty, I was told that I could use a repairman of my choice. All products are Sears, and the sales person said, "no problem". When I phoned for assistance, I was then told that the company doesn't work with Sears for technical service! Second, they sent a repairman of their choice who clearly knew nothing about the appliance. He gave me a diagnosis, then called in with a different diagnosis, according to the service rep. Coincidentally, the diagnosis that was called in... Read More


M
Mike C
7/17/2017
You get what you pay for. We switched to AFC because it was a cheaper company than other home warranties we have had in the past. However, the service we were provided was terrible. AFC could never get a vendor in our area so we had to acquire our own technician several times. While it appears AFC coverage is similar to other companies, it is much poorer. We had to have an AC unit replaced on our rental property two years ago and another company replaced the ENTIRE unit (which was 25 years old) and all we had to pay for is a $60 service fee. We had to replace the AC unit on our current home this year and AFC would only give us $150 towards the cost because the unit was 20 years old.... Read More

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AFC C  
Official Response

Responder of AFC Home Warranty
Mike, we wish that we could have been of service to you. Unfortunately, we are unable to help every homeowners needs and wants to each individuals liking. We do our best in resolving maintenance issues, but we do have guidelines/ policies that we must abide by to protect not just the homeowners, but our company as well. For your particular situation, we could not go further with your case. We apologize for the inconveniences you may have had, but feel free to give one of our managers a call and we will be happy to discuss this further and resolve this.

K
Ken
7/14/2017
Called AFC on Thur, they returned my call 1st thing next morning. Courteous, Professional & Efficient. Gave me Name & Phone # of Company (Advanced Appliance Repair) assigned to repair ice maker & they would contact usually within 15 mins & within 15 mins they called. Scheduled our repair for the next day & repaired then. Very different from Home Warranty Companies I have use in the past, which with all I had to play the WAITING game. NOT with AFC. 10 Stars & Thanks. :)

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AFC C  
Official Response

Responder of AFC Home Warranty
Ken, thank you so much for your feed back. We appreciate your business with us and look forward to continuing our service to you. Call us anytime, we are here to help!

S
Shoban
7/12/2017
It has been more than 2 weeks and my garbage disposal issue is not resolved as I got the wrong item (with cord). I tried contacting the support multiple times - each time I have to wait around 15-20 mins to reach the support team but no resolution yet. I am totally frustrated with this painful process being a Gold member.

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AFC C  
Official Response

Responder of AFC Home Warranty
Shoban, we apologize for the inconvenience. The hold time of your calls and failure to respond to your particular issue is highly unlikely, but if ever this should happen, please contact one of our managers. customer service comes first, and we don't want our homeowners to wait for more than 48 hrs for a response or resolution. Please give us a call, and we are happy to help.

D
Darlene
7/11/2017
I had a home warranty before but it did not work out well. However, the idea was good. It covers what insurance doesn't so I went with America’s First Choice Home Club. The people that I talked to were extremely helpful. They answered each question and were encouraging. We had issues with the hot water heater so I called them about it. The contractor called me the next day from the time I filed the claim. There was a sense of urgency because we didn't want it to explode and within the next day they were there.

A
AFC C  
Official Response

Responder of AFC Home Warranty
Darlene, thank you so much for your post. Our homeowners are our first priority and customer service is what holds our relationships together. We are here for you anytime. Thank you for your business!

K
Kevin
7/11/2017
Great experience with AFC Home Club, I was able to use my own technician to complete a repair on my pool pump and was quickly reimbursed.

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AFC C  
Official Response

Responder of AFC Home Warranty
Kevin, we are happy to hear such positive feed back. We try our best to resolve maintenance issues as quick and easy as possible. We want your experience with us to be simple, with no stress. Happy to be of service, call us anytime!

S
Steve
7/5/2017
Bought coverage for my home and two rentals. AC went out on Monday. After waiting on hold I was told they couldn't get anyone out until Wednesday or Thursday. This is a home with a family and children and 100+ temps. I asked how to get an emergency service. I was told to arrange it directly and the would reimburse for covered items. I've been trying to contact them for two days "on hold" no one ever answered the phone. I called the sales agent for Am1st and left messages. No return calls. Very frustrating. If I don't hear from them today I'll dispute the charges on my credit card and try to cancel my policies that way as they are unresponsive and unable to be contacted. Very... Read More

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AFC C  
Official Response

Responder of AFC Home Warranty
Steve, we apologize for the inconveniences. If we are unable to send out a technician within 48 hrs, YES, we do ask that you find a tech on your own if you can get them faster, and YES, we do reimburse you for our failure of providing. As far as our customer service, we sincerely apologize. If this should happen again, please demand to speak with one of our managers and we will be happy to assist you immediately. We appreciate your business!

J
Jessica
6/29/2017
Fast response, thorough explanation and friendly service. What more do I need?

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AFC C  
Official Response

Responder of AFC Home Warranty
Jessica, we appreciate your positive feed back! Customer service is our main priority, we want our homeowners happy. Thank you for your business with us. Call us anytime!

A
Alexander L
6/27/2017
I am a first time home owner and fought to get a one year home warranty from the seller based on advise from friends and family to protect myself. Before closing the seller added a pan underneath the water heater and replaced a water pipe that fed the heater by a certified plumber. Within a week the hot water heater pilot lite would not stay lit for longer than fifteen minutes. At first it did not concern me because I spent the extra work in getting the warranty (Gold plan - seller paid almost $500). I contacted AFC and flied a claimed on a Friday. A service tech came out on a Monday morning. The tech recommended a replacement of the water heater based on age (7 years old). I... Read More

A
AFC C  
Official Response

Responder of AFC Home Warranty
Dear Alexander, we apologize for your frustrations. We want to please you and be of service as best we can. We have to abide by certain guidelines to protect our business as well as each homeowner. I know that in some cases, there are particular details that we can over look depending on the situation. With your issue, we exhausted all of our options. We apologize for our lack of response and timing on the matter. However, if this should happen again, please contact one of our managers so we can handle and resolve the matter in a timely fashion and clear things directly. We appreciate your business with you, thank you for your feed back.


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