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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 ...
louis.hufnagel
12/4/2019
Charged to cancel membership. Will tell you the furnace, air conditioning, and water heater are covered. However, the gas valves in gas furnace are not covered, and the water heater tank is not covered. Looks like the cheap things to fix are covered and major costs are not covered, which is why one would buy a membership


alnsue9
12/3/2019
Response fairly good, parts ordered, but work is not done yet. Will comment more after work is done. Al Spencer 12-3-19


M
Mari G
12/2/2019
Tech showed up at residence without calling first. Was asked to return when I would be home. Did not know how AFC worked. Had to wait for a :OK: from AFC


N
Nina
11/27/2019
Online service made it easy to submit repair requests. The respond speed to my request was fast. The customer service department worked diligently with me to resolve my repair request.


E
Edward R
11/23/2019
I never received my $99 reimbursement for the service that was provided at my home


tls1821
11/19/2019
America's 1st Choice is by far one of the worst home warranty companies. When an issue arises they are trained to repetitively apologize for your own 'misunderstanding' of what you've been told by other representatives. I paid for over 2 years for our above ground spa just to be told that it was not covered when i finally needed service. At the beginning of the contract I had to provide them with the make and model of the spa so they were well aware of it being an above ground spa. Although they refunded that portion we had paid they consider that apart of their overall payout on the contract rather than a reimbursement. At that time I wanted to cancel my membership, but gave them the... Read More


daniely416
11/18/2019
We signed up for this plan and we were. It informed of all the details. Ok we paid for the repairs and have been waiting to be refunded for more than 15 days. When you call you get a different rep that tells you something different and to top it off I will be charged to cancel my contract, Highly disappointed!!!!

AFC C  
Official Response

Responder of AFC Home Warranty
The turn around time for reimbursements is 2 weeks. Our records in indicate that you have received your reimbursement. Please contact us directly if that is not the case, thank you.

L
Lois
11/17/2019
I was not pleased with this company which is why I canceled my contract. It was difficult for them to find service providers that would come to me and they did not communicate their challenges. I would have to find my own service provider and then hope to get reimbursed weeks later. Not a very good system. Perhaps they would be good if you lived in the territory where they have numerous providers.

A
AFC C  
Official Response

Responder of AFC Home Warranty
We are sorry to hear that you were not satisfied. We have on-boarded 11 new technicians in your area. Our records indicate that we called and texted updates directly to you each day and will be happy to provide that data. We look forward to helping in the future.

Clayton B
11/17/2019
The phone representative Kevin was very informative and helpful. I was told i would receive my welcome package within 10 to 14 days and i could cancel without penalty within 30 days. I did not receive my package after 20 days and called Kevin back. He tried to say maybe they had the wrong address, he checked and that was not it. I said i wanted to cancel my contract because it seems they are deceiving people and not sending information package till the 30 days are past. He tried to say they are just busy, witch was ridiculous because computers would probably be sending them out! He then offered to send the package by Email and did. I read over all info. and decided they would not pay... Read More

AFC C  
Official Response

Responder of AFC Home Warranty
We employee people and do not use computers to conduct all our business. We are confident in employing American citizens and keeping our company person driven. We apologize for the delay in the mail but all the information on our memberships and the terms are published online.

A
Angela S
11/16/2019
Recommend this company to anyone who needs home protection. We are very satisfied with them.



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