America's 1st Choice Home Club Warranty Review


Rating: 9.2 / 10 (Excellent)
41 Customer Reviews - see all reviews
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How is AFC Home Club rated?
10/10
Plan Value
9/10
Customer Experience
10/10
Contracts
9/10
Restrictions
10/10
Contractor Network
9/10
Customer Base

America's 1st Choice Home Club Review

Headquartered in Marietta, GA, America’s 1st Choice (AFC) Home Club was established by a group of professionals with experience in the home protection field. The company operates in all 50 states and offers sellers, buyers and agents a simple way of protecting homes from costly system and appliance breakdowns. AFC Home Club has a large contractor network and three coverage plans to help you get the protection your home needs. America’s 1st Choice Home Club also offers coverage for old homes and does not require prior inspection.

Plan Value

Premium and Deductible

AFC Home Club offers three levels of coverage that are slightly different than your typical systems/appliance/combo plans. Their three plans are Bronze, Silver and Gold. The Bronze plan covers some of the more high price, heavy duty systems in your home and nothing else. The Silver plan covers mainly appliances with some systems, and the Gold plan covers everything. According to our research their average premium hovers around $440, but you will have to get an accurate quote for one of these three plans directly from the company. The service fee you will pay the technician is only $60 per visit, which is on the low end of the spectrum.

Items Covered

It terms of systems and appliances, AFC Home Club ranks at about the center of the pack among the home warranty companies we review.

 

 Bronze

 Silver

 Gold

Dryer

 

Yes

Yes

Washer

 

Yes

Yes

Kitchen refrigerator

 

Yes

Yes

Water heater (gas and/or electric)

Yes

Yes

Yes

Oven

 

Yes

Yes

Range

 

Yes

Yes

Stove/ cook top

 

Yes

Yes

Dishwasher

 

Yes

Yes

Garbage disposal

 

Yes

Yes

Garage door opener

 

Yes

Yes

Air conditioning/ cooler

Yes

 

Yes

Heating systems or built-in wall unit

Yes

 

Yes

Electrical system (all interior wiring, circuit board and breakers)

 

 

Yes

Gas

 

 

Yes

Plumbing systems (all interior piping, toilets, whirlpool tubs, etc)

 

 

Yes

Ductwork

 

 

Yes

Telephone wiring

 

 

Yes

Emergency alert network

Yes

Yes

Yes

 

Optional Items

  • Double Oven
  • Pool and/or Spa Equipment
  • Well Pump
  • Sump Pump
  • Central Vacuum
  • Stand Alone Freezer
  • Second Refrigerator
  • Septic System
  • Duplex; Triplex; Quadplex​

Caps

AFC Home Club puts an annual aggregate cap of $7,500 on their policy per contract year. So this is the limit they will pay out on any system, appliance or combination of claims. In addition, the company also has a few other caps on individual items like  water heater, electrical systems, garbage disposal, and garage door opener.

Customer Experience

AFC Home Club has a more or less even split of positive and negative reviews across most of the relevant websites. For home warranty companies, that puts them a bit above the middle of our list in terms of customer satisfaction.* They are also consistently rated in the top five HW companies by independent 3rd party sites. AFC Home Club is BBB accredited and has a grade of B.

*Universal Home Warranty Caveat- The entire home warranty industry has a disproportional amount of negative reviews. No company we've looked at escapes this. In terms of customer reviews we are grading home warranty companies on a curve in relation to each other. For a more detailed look into the public perception of the home warranty industry click here

Contracts

You can access America's 1st Choice Home Club's customer contract here

Specific coverage limits are not always spelled out in AFC Home Club's contract, leaving us to assume the $7,500 aggregate cap applies to all items not otherwise stated to have a limit. The company features the standard 30 day waiting period from purchase to when coverage begins. AFC will only pay $150 maximum for any claim made within the first 30 days after the waiting period. 

AFC Home Club's cancellation policy is probably the most straightforward of all the home warranty companies we looked at. Within the first 30 days you can cancel for a full refund. Afterward, you'll pay a $50 fee and receive a refund less any claims paid.

Restrictions

By restrictions we are talking about the reasons a home warranty company will not cover a specific system or appliance. This is usually listed in the contract fine print as parts of a given appliance or system not covered, or reasons/circumstances a given appliance or system is not covered.

AFC's contract restrictions are clear, not misleading and easy to understand. They are excessive at points, particularly when it comes to AC and Heating systems but this is to be expected. All items are subject to exclusions of some kind. Also, the company has a rather strict policy when it comes to the maintenance records of AC, heating systems, and tankless water heaters. AFC requires you to furnish annual maintenance records for these items or they will not pay the claim. 

Contractor Network

AFC Home Club maintains an extensive, licensed and qualifies contractor network in all 50 states. The company uses local service providers that are established in their own communities. In this case, the contractor is often already known to the homeowner, having already made use of their services. 

America’s 1st Choice (AFC) Home Club – Final Thoughts

AFC Home Club operates nationwide and has solid coverage for both home systems and appliances that will protect you from costly breakdowns. Zero deductibles and a high limit of liability makes them a cost-effective choice for helping you keep the costs of maintaining your home within reach.  

 

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Latest Reviews

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Gloria T
Seguin, Texas
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
Hampstead, North Carolina
5/12/2017
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

Nan J
Seattle, Washington
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?

Nan J
Sunnyvale, California
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
Beaumont, Texas
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.

Aleksey C
Conway, Arkansas
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

K
Kelvin
Gwynn Oak, Maryland
3/5/2017
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
Leland, North Carolina
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
[email protected]
Wheeling, Illinois
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
Westmont, Illinois
1/30/2017
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.

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