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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

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Mike C
6/23/2017
AFC was the third warranty company we have had over the last 10 years. We switched because of price and it is obvious you get what you pay for. This company never has vendors in our area and we have had to get our own vendor a few times and then wait for reimbursement. Previously our AC went out on a rental property and a different home warranty company paid to have a new one installed (over $2000). Recently our AC went down in our residential property and AFC told us they would only give us $150 towards the repair and that was a "gift" because the AC was 20 years old and not even valued at $150. This company is cheaper than many others and now we see why.

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AFC C  
Official Response

Responder of AFC Home Warranty
Mike, thank you so much for your feed back. Whether it's positive or negative, we want to hear what our homeowners have to say. We have certain policies/guidelines with each appliance. Each appliance must be up to code, and up to date in maintenance, as well as, if we were to put money down on an appliance, we would match its worth and value. We want to service our homeowners but within reason. We cannot pay top of the line on something that has depreciated in value. We apologize for your frustration and wish we could have pleased you to your liking. If you would like, its never too late to give one of our managers a call and we can try to resolve your issue.

W
Wendy C
6/7/2017
This company is a joke. We have had three calls on our washing machine in the past year and each time it has taken weeks to get it fixed. This last claim took the cake. It took 8 weeks and still it wasn't fixed. We finally went and bought a new one. They promised to send the art overnight and then didn't send it fro over a week. They finally sent the part to the wrong address then had to send it again only this time they delivered it before the place of business opened so instead of going back later they sent the part back to IL. After 8 weeks of their lying to us over the phone we got them to buy us out so we could purchase a new one. Here is the kicker. We now have to wait... Read More

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AFC C  
Official Response

Responder of AFC Home Warranty
Wendy, we apologize for the inconveniences that you went through. We aim for superior customer service and want to make things right when we fail to do so. We appreciate your feed back and business with us. Please feel free to call one of our managers and we will be happy to serve you.

M
Max S
6/6/2017
Guess what everyone! I live in Georgia and very close to Marietta, GA where this company is based. AND TODAY, I am cancelling my agreement with this crooked, lying, and SOB so called Home Warranty Company. I will never recommend or refer this company to many of my relatives or friends who also lives in Georgia. The customer service rating of being a 5-star is a JOKE. As a GREAT Mr. Clark Howard would say, This is customer NO SERVICE. I totally agree with all of you as there are so many exclusions and tricks written in their Terms and Condition package rather than amount of items they covered. I take the full responsibility of not reading their EXCLUSION package thoroughly and now I am... Read More


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Marie S
6/5/2017
just signed up for home warranty with Craig Powell and he was so friendly and helpful. so unlike the last home warranty i dealt with this past year. so thanks Craig keep up the great work.


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Gloria T
5/17/2017
I have been with America's 1st Choice Home Club for a little bit over two years and so far have had 3 claims: two were for plumbing and one from a broken water pipe. It was really easy to make the claims, I called my own plumber and only paid my deductible and 4-6 weeks later I got my refund. I already signed for 3 more years! I HIGHLY recommend this Company. Thank you!


David O
5/11/2017
I don't know where this company got there's star rating from I had this warenty company 6 months now I put a claim in 2 months ago for a hot water heater after 4 days they told we don't cover it because it's ten years old now I put a claim in last week my ac was not working I to wait 4 days before somone would come to check it out because no company wants to work with this warenty company I needed a new coil they told we don't cover that people who get this warenty company check the fine print they pretty much don't cover anything and no one wants to do any work for them if they don't give my money back I'm going to a lawer


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Nan J
5/5/2017
Still the worst one! AFC called me right after I submit the review and claimed that they will cover my water heater for $150. Yeah! Because it is in my 1st month coverage (after 30 days waiting), they only cover $150 for the first month no matter what is broken. Who knows how much they will cover for the 2nd, 3rd, fourth month?


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Nan J
5/5/2017
Worst one. I have been through 3 home warranty companies, AFC is the worst one. I thought it will cover my water heater with Gold membership. But I am wrong, it not cover water heater "leaking" ---- which need changed the whole unit. I had one water heater replaced by another home warranty company with the same problem in my previous house, they didn't even ask me any question about it. If you still want to purchase AFC's plan, please read their contract word by word, there are many tricks in it.


Janet L
5/2/2017
I'm not with this home warranty service. I'm doing my research to find the best company. Reading the reviews and observation was made that all the 5 star reviews comes from people in Georgia and found that to be true. Well I live in Texas so this tells me that this is not the company for me.


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Aleksey C
3/30/2017
I am having a horrible experience with AFC Home Club. They have more exclusions than covered items, but they will not tell you about those exlcusions when you are shopping for a policy. In my case, I was directly communicating with AFC Home Club sales team and not one of their reps told me that they require annual maintenance on HVAC units. Nor will you find that anywhere on their website. They did not mail the actual contract to me until 2.5 months after I purchase the contract, so I could not even read all the fine print during the so called "30 day money back guarantee review period". I have filed total 3 claims with AFC Home Club during the 6 months I've been "covered". Out of three... Read More



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