America's 1st Choice Home Club Warranty Review


Rating: 9.1 / 10 (Very good)
24 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
9/10
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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V
Veronica Zalvidea
1/13/2017
I called many companies before agreeing on a plan with America's 1st Choice. The man on the phone (RG Shorter based on his email) promised me something different than what was listed on the package I received later. When I called to get the issue resolved, I was transferred three times, intimidated, and hung up on after being told I must send them a letter in writing to receive a refund of my fully paid three year plan. These people are liars and crooks, which is the last thing us home owners need to deal with when things go wrong in our home.

B
Brett
Marietta, Georgia
1/13/2017
Although it was holiday weekend (New Year's), AFC contacted the service company and the company Air 3000 got a technician out the same day. It was important as we head guests staying in the area serviced by that a/c unit. Thank you for the quick response.

C
Cathy
,
1/10/2017
I thought this company was the right choice but I was mistaken. They will only repair, not replace un-fixable items. Also, they promised a monthly restaurant card that came exactly 1 time. Needless to say, I was very disappointed with them. I cancelled my membership.

W
Warren Levy
1/9/2017
Seriously 'The Worst' Ive been a homeowner for 25 years during which Ive used many Home Warranty Companies. I changed to AFC as the pricing was good. Thats where it ended!! The stuff they dont tell you: Will not work on AC/Heating unless you have had it serviced within the past 12 months. Notwithstanding their advertising of big limits, they limit plumbing repairs to $500 per year. Do not cover clogs. Every service I called for was greeted with 'we dont cover that...read your contract". My advice?.. Ask them for your contract...read all of the small print, prior to purchase.

K
kb
12/30/2016
If I could give no stars I would, DON'T USE THIS COMPANY, I have used other home warranty companies in the past and never had a claim denied this company likes to deny claims with loop holes!!!!!!!

Soo Yun Lee
Mcallen, Texas
12/22/2016
Don't use this company. This is cheating. If I can give them no star, I am willing to give zero star to them. When I got this warranty, they explained me that all the heating or a/c issue will be included. The only thing I need to pay is just $60 trip fee, so I got the premium plan. My heater is not working fine, so I just called help. When the technician told me about it, they could just replace the control panel whatever, and I need to pay only $60 for trip charge. I got a phone call from the company and I heard that they couldn't pay it cause the damaged one was control panel that they were covering, but the damage was from secondary source from some of my neighbors or some... Read More

F
frank smith
12/21/2016
Well, I have to join the "should have read the Yelp reviews" crowed. Simple pool motor went south 6 months into my new home with existing equipment. $575 for the warranty, $60 for their tech to come out and confirm and then they deny the claim saying it's too old and normal wear and tear. Well what isn't? How do these people stay in business. 30 minutes on hold only for their rep to read from their contract, a small line in their contract you get after you buy that says they don't cover unknown or pre existing conditions. REALLY? This just means they can deny anything that might cost them anything. I hope your company sinks without trace. Shame on you Principal: Mr. John B.... Read More

Heather Baker
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
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... Read More

A
Anthony Walker
Marietta, Georgia
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.

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