America's 1st Choice Home Club Warranty Review

#2 in Home Warranties

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.  

 

Latest Reviews

Start your review for America's 1st Choice Home Club Warranty
Heather Baker
America's 1st Choice Home Club Warranty review
12/2/2016
Terrible crooks! They give you the run around, don't help you or reimburse or honor their own contract after taking your money! The positive reviews I see are from Marietta, GA, where their office is. Despicable!

J
Jack Reeves
Marietta, Georgia
America's 1st Choice Home Club Warranty review
11/17/2016
I've always had a home warranty, but I never liked American Home Shield. I fired them and terminated their service years ago. AFC is certified and approved, and they're endorsed by the Better Business Bureau. They've been very professional, courteous and fast each time I submit a claim. They explain everything very well. A technician comes in within a couple of days and depending on my schedule, but they’re normally readily available within 24 to 48 hours. They’re very patient.  Overall AFC has been excellent because I bought this house April 1st, 2013, built from the ground up and they built the house so fast that I didn’t think I could’ve sued them for negligence. I made up my mind that whatever I replace, it would be top quality and it’d be a top-quality company that would install it. I've replaced four things so far, including the sump pump, but it wasn’t under the warranty so I had to pay by my own pocket. When January comes, I can renew my contract and I’m gonna add some more things on it. I've told my church about AFC, so I’ve been advertising for their company because I had good experiences.

A
Anthony Walker
Marietta, Georgia
America's 1st Choice Home Club Warranty review
11/17/2016
I bought a home, moved into it and wanted something better than the home warranty company I had. I did a Google search and AFC had the best reviews. When I submitted a claim with them, it went smooth and the rep had it pushed through pretty quickly. The tech who came was a local company that I used a few times directly on my other needs. He was excellent.

B
Brett
Marietta, Georgia
America's 1st Choice Home Club Warranty review
11/17/2016
I am not one to normally write reviews. I am a simple person who just wants to get what they pay for and I believe in Karma. I needed to tell other about this company so they too can experience what it is like to have someone stand up to their word, which is not normal these days. I called AFC about 2pm when it got real hot here about a week ago. My house was 79 degrees and my pregnant wife was about to have a fit. They had the tech at my door within 3 hours, be it this was a heat wave and he was still there that day! He was working on the unit for about 2 hours and it ended up needed quite the repair, when all was said and done what was asked of me? NOTHING ALL I PAID WAS $60.00 deductible and he was on his way. I couldn't believe how simple it really was. (Guess I am a skeptic.) I would highly recommend them to anyone I know, my house has been cool since.

Gina Little
America's 1st Choice Home Club Warranty review
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!!!!