America's 1st Choice Home Club Warranty Review

Rating: 9.4 / 10 (Excellent)
98 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 Club rated?


Contract & Price
Claims & Service

Overall Rating: 9.4 / 10 (Excellent)

America’s First Choice Home Club is a home warranty company that falls right down the middle of the industry standard. 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.


Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
Typical Systems Benefit Limit

Coverage - 9.5 / 10

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. 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 Club cover?

Covered Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Garage Door Openers
  • Garbage Disposal


For a full list of AFC Home Club exclusions, check out this page.

Contract & Price

Contract Details

Annual Premium
Starting at $395
Home Inspection Required for Contract?
Online Quote/Application

Contract & Price - 9 / 10

AFC Home Club’s base-level contract’s annual premiums begin at $395. In addition to a personalized quote calculator and sample contract being 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.

Sample Contract

AFC Home Club provides a sample contract for potential customers on its website: AFC Home Club Sample Contract

Cancellation Policy

The membership shall be non-cancelable by CRAST except for nonpayment of membership fees or diagnostic fees, when a customer threatens to harm or does harm a CRAST Agent, fraud or misrepresentation of facts by the client, or by agreement between company and client. There will be no refunds for memberships canceled due to non-payment. 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


Maintenance Records Required for Service?
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
Any Contractor

Claims & Service - 9.5 / 10

AFC Home Club's flat-rate service fee of $60 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 thier 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 Club Reputation

Company Details

Year Founded
NHSCA Membership
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

Reputation - 9.5 / 10

Even though AFC Home Club is not itself a member of the NHSCA, it 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
1337 Canton Rd STE B, Marietta, GA, 30066
Mailing Address
1337 Canton Rd STE B, Marietta, GA, 30066
Year Founded

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98 Customer Comments & Reviews

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Elaine B
I have been with this company less then a year. they say flat rate of 60 dollars. every time they have come out its been the 60 dollars then at least 200 extra each time. I also put a claim in about a week ago for a leak have had one company that they said then took back now another company I have been giving and called them twice they are not returning my calls. the leak is getting worse and now I will probably have to pay more then the 60 dollars. Its like an insurance company you get discounts but they don't do what they say and they take a long time to get the stuff done. Will probably not renew and did recommend this company once but now that I need to use it not going to... Read More

Savannah M
I have been with this company for 4 years now and each interaction I have had has been great! I was surprised to read some of the other reviews but I am happy. I just had a plumbing issue with my toilets and sinks backing up. I called them that morning and they had a plumber set up for me within a few hours. He snaked the lines and had to replace some piping which I know can't be cheap. I have had about a request a year so far and each time I have been happy, I feel like I am getting my monies worth and that I am appropriately protected.

Daly City, California
To the contrary of some other reviews, I'd rate this company a F based on my experience with this company for two years now. Each time I called, there were always something extra I had to pay and none of those were disclosed during the sales. In fact the sales person said, you only pay for the initial call and they'll take care of the rest. So far this is not true. One time I was making a call and said there were bath rooms upstairs and downstairs that need to be checked for leaking. The rep told me I have to pay an initial fees of $65 for each floor. I had to speak to a manager to revert that. This is a horrible company. Think twice before you buy their home warranty. There are better... Read More

Los Angeles, California
America's 1st Choice had the highest overall ratings that I could find online. With a few different websites that would list the top five warranty companies, they were always within the top three. The reviews said that they always had good customer service. I have a sizeable house and for the area, it's an older house. It's an almost 30-year-old house and so, a lot of the appliances, like the air conditioner, the stove, and the oven are all the original. I factored it in that things were probably gonna be needed to be replaced soon and would need quite a few repairs in between. So it would be more financially intelligent to have something to help with those expenses. Whenever I submit... Read More

Bonnie S
San Mateo, California
SCAM COMPANY - I have the Silver Plan Coverage Plan and paid $405. I thought I had a COMPLETE repair or replacement warranty on my appliances that were covered on this policy. My washing machine and dryer both went out at the same time. I called and AFC sent an appliance service rep to my home and he charged $120 to look at both washer/dryer. AFC said I would only be charged $60. Then the service rep came back to say that it would cost an additional $600 to repair my washer and dryer. AFC came back with a $200 top offer for both towards the repair of my washer/dryer. Service rep said he was applying the $120 towards the $600 minus the $200 from AFC which meant that I now had to come... Read More

Vernon P
Ceres, California
Poor warranty company. I was not told when I purchased the warranty that appliances are put on a depreciation schedule. My refrigerator broke down and I was told American First Choice would not cover the total cost of the repairs because of the age of my refrigerator. There was nothing in my warranty stating appliances were on a depreciation schedule. After arguing with a customer service associate I spoke to a supervisor who agreed to waive the additional fee. I think she only did that after I threatened to cancel my warranty.

Mark A
Louisa, Virginia
Who cares about the BBB. Rating? This company is horrible. They do not cover the labor to repair an appliance if it’s still under the manufacturers warranty so the parts maybe free but they won’t install them. How did they get such a high rating with so many negative reviews?

Official Response

Responder of America's 1st Choice Home Club Warranty
Mark, any appliance or system under manufacturers warranty must go through manufacturer's service process if a warranty is still in place on the particular system or appliance. One of our customer service reps will be reaching out to you shortly to go over this with you.

George S
Lenexa, Kansas
I left a message with the answering service at 8:15 am CST Monday 2/5/18. It was 10 degrees outside and the furnace was not functioning properly. I was told someone would contact me soon. At 2:30 pm CST I had not received a call, I called again. The lady asked for the same information that I gave earlier and was told nothing could be done until the next day. The next day nothing was done. I called again and expressed my frustrations. On Wednesday 2/7/18 the furnace was fixed.

Official Response

Responder of America's 1st Choice Home Club Warranty
George, I understand your frustration with the delay in service you experienced with your furnace. I see the issue has been resolved, however, I will have a customer service reach out to you regarding the matter.

Stephen Y
Montgomery, Texas
I was not aware when I signed up w/ them a year ago that repair authorizations from them are netted out after a depreciation calculation. This makes for sizable reductions in payouts from them. The service charge from the repair technician, $60, was far from my total recent repair cost on my 2 year old refrigerator. They only paid $165 out of a $315 repair charge to replace a thermostat leaving me to pay the difference. Hardly my idea of insurance protection!

Doris T
Punaauia, Iles du Vent
Very bad communication and does not respect the terms of the contract. I will not recommend. I took the 3 year gold plan and wish I could get my money back.

Official Response

Responder of America's 1st Choice Home Club Warranty
Doris, we apologize you had you had a less than satisfactory experience with AFC. One of our customer service specialist will be reaching out shortly.

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