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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

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K
Kelvin
3/4/2017
I called them as my first service call, a problem with the garbage disposal, and they said they don't send a technician for that, advice me to buy a new one pay for installation and they would send a &100 check which it only covered a fraction of it, food grinder is $275 + $150 installation. Second time I called about my microwave oven, they surprised with " my built in microwave is not covered in the policy, right after I paid for the so call "GOLD PLAN" for the whole year. They simply didn't have me covered, I tried to get a refund!, nope... not that easy...


T
Terry T
2/28/2017
Nothing is covered - everything is excluded in the fine print. Had 2 issues recently, one plumbing issue with main line to the road and a washing machine main part (wouldn't work without it) that was "on the excluded part list". Not worth the money or aggravation.


G
geraldg36
2/5/2017
I had a problem with my microwave oven(Built in not free standing) and was first told not covered. When I called back to complain, they did send me a check which I thought was satisfactory (microwave was 13 years old but in great shape). I truly think they thought it was a free standing model. All in all, a little bit aggravating but they came thru. Gerald G. Glenview,Il


W
wagihness
1/29/2017
sears home warranty is a big fraud.they are always late , they sometimes fix part of the problem so they come one more time and collect 60 more dollars for the visit. I've been waiting for more than 2 wks for them to respond to my last claim.


L
Lee
1/28/2017
Funny how every 5 star review comes from Marietta Georgia....phony write ups, maybe!?


L
L
1/21/2017
Called AFC to get a quote, since my former warranty company, First American raised their rate a couple hundred dollars and their visit is higher now, too. Received excellent service from Adrian and based on the rates and coverage I signed up with AFC.


V
Veronica Z
1/13/2017
I called many companies before agreeing on a plan with America's 1st Choice. The man on the phone (RG Shorter based on his email) promised me something different than what was listed on the package I received later. When I called to get the issue resolved, I was transferred three times, intimidated, and hung up on after being told I must send them a letter in writing to receive a refund of my fully paid three year plan. These people are liars and crooks, which is the last thing us home owners need to deal with when things go wrong in our home.


B
Brett
1/13/2017
Although it was holiday weekend (New Year's), AFC contacted the service company and the company Air 3000 got a technician out the same day. It was important as we head guests staying in the area serviced by that a/c unit. Thank you for the quick response.


C
Cathy
1/10/2017
I thought this company was the right choice but I was mistaken. They will only repair, not replace un-fixable items. Also, they promised a monthly restaurant card that came exactly 1 time. Needless to say, I was very disappointed with them. I cancelled my membership.


W
Warren L
1/9/2017
Seriously 'The Worst' Ive been a homeowner for 25 years during which Ive used many Home Warranty Companies. I changed to AFC as the pricing was good. Thats where it ended!! The stuff they dont tell you: Will not work on AC/Heating unless you have had it serviced within the past 12 months. Notwithstanding their advertising of big limits, they limit plumbing repairs to $500 per year. Do not cover clogs. Every service I called for was greeted with 'we dont cover that...read your contract". My advice?.. Ask them for your contract...read all of the small print, prior to purchase.



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