America's 1st Choice Home Club Warranty Review


Rating: 9.2 / 10 (Excellent)
61 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.
How is AFC Home Club rated?
10/10
Coverage
9/10
Reputation
10/10
Contract & Price
9/10
Claims & Service
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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J
Jen
New York, New York
8/8/2017
I did market research of various home warranty companies and I went with America’s 1st Choice. Submitting a claim with them was seamless and the claims representatives were very knowledgeable and professional. I had very good interactions with them.

G
Gina
Carrollton, Texas
8/8/2017
STAY AWAY FROM THIS COMPANY. They are such a rip off. First of all they require a huge down payment (other home warranty companies does not). When my refrigerator stop working on a Saturday, I called them and received the answering service. They took a message and said that someone would return my call on Monday. Close to the end of business, no phone call, so I called again, another message. It took 3 days for someone to return my call. They sent no one out but said my refrigerator was old and that they would give me $150.00 for replacement cost. No one came out to even take a look at it. When my car was stolen so was my wallet, I had to cancel my credit cards. They were on... Read More

K
kristian s
Fort Collins, Colorado
7/24/2017
Greetings! I wanted to pay a compliment to Paul Jones for being knowledgeable and helpful in explaining the full process and plans with AFC. He explained how the home warranty worked if there was to be a claim. Paul made sure I understood the processes as well as what I needed to do to make sure I was covered when it came to my A/C or heating system. Paul was also able to tweak the Gold plan to my satisfaction giving me the exact coverage I needed. After speaking with him I felt much more comfortable about the home warranty I was purchasing.

A
Anil
Slidell, Louisiana
7/24/2017
This Company appears to be a rather dishonest fraudulent entity! In my readings of many of the Reviews regarding this Home Warranty company I was aghast with all of the terrible unethical thieving conniving machinations of this particular company that apparently many people all over the nation had experienced!

R
Rick
, Tennessee
7/20/2017
I bought a home warranty in May. In July my Ac system broke down. AFC had me get my own Ac service provider. They then refused to cover the repair. I have since had another problem with the same system and again they are refusing to pay. They also will not refund the money I have paid for the warranty. I would not buy this home warranty.

B
Bill D
Queen Creek, Arizona
7/18/2017
AFC handled our claim quickly and efficiently. The company that made the repair, Rhino Appliance Repair, did a great job. I was very impressed by the entire process.

A
Amber
Miami, Florida
7/18/2017
This is my first service call. It is related to a leaking problem in my toilet. It took less than 48 hours to get the work done. I am very satisfied with the customer service and work completed. Thank you for the quick service.

A
AP
Fredericksburg, Virginia
7/18/2017
I am cancelling my contract after only 3 months of active coverage. I live in a new home that happened to encounter my first case, which was a problem with my 15 month old dishwasher. First, when I signed up for the warranty, I was told that I could use a repairman of my choice. All products are Sears, and the sales person said, "no problem". When I phoned for assistance, I was then told that the company doesn't work with Sears for technical service! Second, they sent a repairman of their choice who clearly knew nothing about the appliance. He gave me a diagnosis, then called in with a different diagnosis, according to the service rep. Coincidentally, the diagnosis that was called in... Read More

M
Mike C
7/17/2017
You get what you pay for. We switched to AFC because it was a cheaper company than other home warranties we have had in the past. However, the service we were provided was terrible. AFC could never get a vendor in our area so we had to acquire our own technician several times. While it appears AFC coverage is similar to other companies, it is much poorer. We had to have an AC unit replaced on our rental property two years ago and another company replaced the ENTIRE unit (which was 25 years old) and all we had to pay for is a $60 service fee. We had to replace the AC unit on our current home this year and AFC would only give us $150 towards the cost because the unit was 20 years old.... Read More

K
Ken
Dallas, Texas
7/14/2017
Called AFC on Thur, they returned my call 1st thing next morning. Courteous, Professional & Efficient. Gave me Name & Phone # of Company (Advanced Appliance Repair) assigned to repair ice maker & they would contact usually within 15 mins & within 15 mins they called. Scheduled our repair for the next day & repaired then. Very different from Home Warranty Companies I have use in the past, which with all I had to play the WAITING game. NOT with AFC. 10 Stars & Thanks. :)

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