America's 1st Choice Home Club Warranty Review

Rating: 9.4 / 10 (Excellent)
104 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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104 Customer Comments & Reviews

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Janice T
Los Angeles, California
Very bad company. I bought the platinum plan, I requested services on a clogged pipe in the kitchen. The company refused to cover it. They refused under the bases that they do not cover corrosion or pipes that have clogged. My pipe was not corroded, it had a build up of normal grease. I know that as I hired a plumber to come out and fix it. Pipes get clogged from normal wear and use. The company not cover it. Be aware, read the contact, you will spend money for nothing.

Cammille S
San Jose, California
I had a very good experience when selecting this company to provide my home warranty service. The only thing that keeps me from rating it as outstanding (5 stars) is the 30 wait period for submitting a claim. I understand their reasoning; however, since their initial call is to do an A/C inspection, I would think that the waiting period would only be until that could be completed, which could be within 3 work days.

San Jose, California
I heard about America's First Choice Home Club a long time ago and I looked for them on the internet. I signed up after leaving one of those terrible home clubs. America's First Choice Home Club’s price is reasonable and it stays the same forever. The deductible is only $60. And if they come out and they fix something and something goes wrong, when they come back out again, they don't charge me for it. Their service is very easy. I just call in and talk to somebody or I can do it over the internet and they set it up. They find somebody in the area and the contractors come out and take care of my service. It took about a day to get my claim done when I had a problem with my air... Read More

Ashburn, Virginia
Don't use this company. Sent someone out never fixed my issue. Caused a flood that went to my neighbors home . Told me they have nothing to do with that. And refused to return my call or letter about this matter. And ruined my floor as well.

Rod M
Atlanta, Georgia
Horrible company. Please read all fine print before considering this company. You may find that you are better off paying out of pocket since you will end up doing it any way. R. Mayweather Atlanta, GA

Ara R
San Jose, California
I Googled America’s First Choice Home Club and saw it was the top-rated one. I have filed two claims over the phone and it's been pretty quick. The reps were good and so were the technicians. They're still working on the garage while the washer had something with the computer. It was damaged and they replaced it. I recommend AFC. So far, I have no problems with them.

Elaine B
Stoughton, Massachusetts
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
Marietta, Georgia
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.

Pacifica, 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

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