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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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joe m
11/1/2016
I called for a garage door repair on a Sunday. I was put to an automated system which set an appointment. The contract states that the assembly of the garage door is not covered. I did not think a spring was part of the assembly. The service man came out and said that American home shield denied coverage. The man said I will install the spring for 375.00 with service fee included. I called Home shield and was left on hold thinking they will refund the service fee. Because the contract was not clear and I have been a customer for years. They not only denied my request they told me I did not have to use the installer they sent, Exit garage doors was double the price of any other garage... Read More


Gina L
11/1/2016
THEY DON'T HONOR THEIR WARRANTY!!!! After waiting the 30 days for the coverage, we had electricians come to install new ceiling fans. They couldn't do that safely because of issues with the wiring, so we needed the wiring redone. They refused to honor the warranty on that, the dishwasher or the plumbing issues with the house we just bought! FRAUDS!!!!


T
Teresa
11/1/2016
I don't understand how this company has such a high rating. I have had nothing but issue with getting claims taken care of. The purpose of getting home warranty is to protect the appliances that are original or old enough they have issues. With AFC, if the appliance is more than 13 years old, the amount they will offer is called "good will". Here is what one should ask when getting a quote 1. What appliances are covered? If you have a cook top, combo microwave wall over. Only 1 of the 3 are covered unless you add on the additional items. 2. HVAC - is there anything I have to send in to have my unit covered? If you don't send a copy of your annual preventative maintenance... Read More


J
Josh
10/13/2016
If you don't mind giving away money and you sincerely don't expect anything in return. Then you have found the right company. I bought Home Warranty when I bought my new house for the peace of mind thinking if something happened it would be covered. WRONG they said since everything was covered under manufactory warranty (HVAC) they don't cover labor, leak checks, or parts, But will cover up to 25 dollars per pound. cost of Freon 40 dollars a lb. So for my warranty and piece of mind I got a discount on freon. I paid 700.00 for the tech to fix my leaking AC. I paid AFC home club 500.00 for membership. I paid to have someone due maintenance120.00, because they wont come out unless you had... Read More


P
Peter K
9/21/2016
What a pleasure working with AFC Home Club. I've tried other home warranty companies but they have been the best. Quick phone answering, helpful staff and they follow up on each job. They actually sound like they enjoy their job! Hats off to AFC. I've told my friends about them and hope they sign up as well.


M
Marc J
9/12/2016
Do not use this company for your home warranty! Their customer service is the worst I've ever seen. Last year, our air conditioner went out... When it happened, I wasn't too surprised that we had a battle on our hands, just because you always hear the bad stories about warranty companies not wanting to cover large costs. Anyways, when ours went out, I contacted them and made the claim for our AC unit. They immediately stated they couldn't cover our AC unit because there wasn't a preventative maintenance check submitted before the AC unit went out and refused to discuss it further with me and would not return my phone calls. However, I did have a preventative maintenance check done 2... Read More


M
Michael F
8/26/2016
The service is amazing! I can't deny the fact that they are very responsive and is willing to help me doing the whole process. In fact they call me to follow up what other needs I want. I would love to recommend this company because it gives me satisfaction and guarantee for the coverage they given to me. I am a happy customer with them. I would love to recommend this company because the value of their homes is pretty reasonable and is worth it. The money you paid for it you won't regret for the services and helpful employees they had.


M
Mohsen T
8/18/2016
After I called to repair my washing mashine i was contacted back shortly. Engineers came by identified the problem ,ordered and replaced the part. Thanks you for your quick support


V
Veronica C
8/18/2016
Britney was very responsive to our situation and made us feel like someone was listening and showing concern. She got back to us within a reasonable amount of time. She has great customer service skills and is an asset to America's First Choice. On a scale of 1-5 with 5 being the best, Britney is a 5!


M
Mark D
8/17/2016
Requesting service feels like I am doing all of the work when the 3rd party does not show up or are totally unaware a claim was made so the repair can take up to a week. They cover almost everything and the price is great however be warned that if any of your appliances are over 5 years old they many deny to repair them and offer you cash instead declaring the value of the appliance is zero. Seems strange since most appliances under 5 years of age do not need a warranty. So after spending $500 a year, then a $60 service call, you get an offer of $100 for your old dishwasher when it breaks, or should I say $40? Every home warranty I have had before this one replaced the item with one of... Read More



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