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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.
 
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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
https://afchomeclub.com/
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 ...
Orlene D
11/12/2019
For the most part we have been pleased with this company, I really love how easy it is to request service. There have been some issues with coverage and the company depreciating the coverage because of this or that. But for the large issues they have come through. My biggest complaint is the length of time you have to wait to speak to someone on the phone. I dread calling because it is sometimes an hour wait for someone to come on the phone.

AFC C  
Official Response

Responder of AFC Home Warranty
Thank you for your feedback. Our average hold time is 1.7 minutes. Please make sure you call the service line at 855-613-4555. Thank you!
M
Maria s
11/12/2019
My furnace broke down in the middle of the polar vortex last year and this company send a nobody company to come it only to give me an estimate of $1,000 when my home warranty co refused to pay my bill (after my $65.00 fee) I called another company who came out and fixed the wire that had came off during the freezing weather. So no I DO NOT LIKE THIS COMPANY also the monthly coupons the offer you is a joke

A
AFC C  
Official Response

Responder of AFC Home Warranty
Maria, Please be aware we have several club benefits that you are welcome to use if you wish. During emergencies we do express that obtaining your own vendor may be faster as we are the only company that allows this, we apologize that you were not pleased with the service, upon review it does reflect that your claim was paid in full. If you wish to speak with your customer service liaison directly please call 855-613-4555. Thank you for your time!
tansurfer786
11/12/2019
Awful customer service! I had a roof leak that i was told would be covered and they have me the run around and did not cover any of it. This insurance is a waste and do not buy it!

AFC C  
Official Response

Responder of AFC Home Warranty
We do not cover roofs, please place your review for the correct company as it does not reflect you're a customer of AFC's.
J
Judy H
11/12/2019
Thanks so much for pursuing this matter until it was solved. 7 cities air their the best. The issue solve very professionally! Thanks

A
AFC C  
Official Response

Responder of AFC Home Warranty
Judy, Thank you for your feedback!
S
Sam K
11/12/2019
Great Service. Respond quickly. My microwave was fixed within few days after the technician ordering the parts.

OmAng P
11/12/2019
I've called twice now and have not been able to be assisted. The first time I called the microwave light is not covered. The second time our washer was making an extremely loud noise on the last cycle but it wasn't covered because it was completely cycles. I could submit receipts and try to get money back if it turns out to be electrical. So instead having it fixed, you'd rather wait for the whole thing to break. We decided to go out and purchase a new washer and dryer. We will not be renewing our insurance with you. The amount that we paid for 3 years of coverage with you would have covered a new washer and dryer.

cyhtak
11/1/2019
We have AFC home warranty and need to cancel service a our home has sold. When I called to ask what the criteria is to cancel the contract, I was told to "write a letter to the cancellation department with 30 days notice of cancellation." I wrote to AFC on October 11, 2019 cancelling effective November 30, 2019. I gave MORE THAN 30 DAYS NOTICE, per instructions from "Tasmia T" with AFC (called her on 10 /11/2019). As we were under the assumption that our coverage extended to November 30, we placed an online service request last evening, 10/31/2019, for our builtin microwave that stopped working. Today I received a call from "Heather" that we are not covered as they cancelled our service... Read More

K
Kristina A
10/29/2019
I was very disappointed because we needed a new water heater and you refused to provide one because we had not had maintenance on our water heater over the years. I have never heard about maintenance on a water heater. So, we had to purchase a new one with no help from our insurance provider. That was a big disappointment.

K
K
10/18/2019
Rip-Off. HVAC went out after being covered under their "Gold Plan" for more than a year. They offered me a depreciated amount of $250 to repair the system. What a joke. If your drain is stopped up maybe the coverage is OK. If an appliance goes out you are up the creek without a paddle. Stay away.

V
Venkat
10/15/2019
Karen M. was extremely helpful and proactive in assisting me with a reimbursement. Very pleasant and attentive to detail.

A
AFC C  
Official Response

Responder of AFC Home Warranty
Thank you for your feedback!
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