America's 1st Choice Home Club Warranty Review

Rating: 9.4 / 10 (Excellent)
93 Customer 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

Top Rated
Our Partner
9.4 / 10
  • Award winning service
  • Save 10% on any plan
  • Dedicated account managers
  • Choose your own service technicians
  • Longest work guarantee
  • Unlimited number of repairs

Latest AFC Home Club Reviews

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?

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.

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.

A. R
Flushing, New York

I had an issue with a boiler and forgot I had purchased a warranty. I called the same technician that had done that year's boiler inspection and the bill was $150. Later I called AFC and explained the situation. They requested an invoice and got in contact with the technician's company. AFC is refunding me the cost of the repair minus the $60 deductible, very few questions asked. Excellent service.

, Georgia

Horrible response times and they won't cover labor, only fractions of the cost of items. My water heater started leaking from where the pipe connected and, after filing a service request and their two phone calls later that they can't find anyone to come look at it in my area, I was advised to look for a plumber myself. I found a local plumber to come look at it the next day. After submitting a $3,000 claim for a water heater replacement, they said they'd cover $151.60, which is the depreciated value of my 5 year old water heater as compared to the cheapest similar water heater they found at Home Depot. What about labor to install it?? As most homeowners know, the cost of actual items... Read More

Sydney A
Joliet, Illinois

We are new customers of AFC. Our garbage disposal went out at Thanksgiving time. When we called, we were told they do not repair disposals but if we bought a new one ourselves and sent them a copy of the receipt, we would receive a reimbursement check. It is now January and we still have not received the check.

Gale M
Clarksdale, Mississippi

The lady in customer service when I called to make a claim was very helpful a d responsive. The plumbing company , Multitasker, was also very responsive and seemed conscientious to get my problem solved.

Carol K
Rochester, Minnesota

Very short waits when calling in. Quick response to problem. Fair coverage and quick payment to service provider.

Anabella B
Spring, Texas

Tyler Hurtt and his manager Wes were extremely helpful and flexible during our last contract negotiation. After purchasing a warranty for my rental condo this last summer, I knew I would come back to them for a warranty for my home. I've never worked with such a friendly, customer service oriented warranty service group as AFC. While I've not had to file a service claim yet I expect the AFC service partners will be of equal caliber to them!

Patricia T
Washington, District of Columbia

They never seem to cover anything that needs to be repaired. This is my third call to them and it started with them telling me what they won't pay for even before the technician has arrived. For the last 2 service requests they did not cover anything. Always some fine print with more exclusions than inclusions. I was told that if the control board in my dishwasher was they bad they won't replace it because they get wet......It's a dishwasher, every part should be able to withstand water. Can't wash dishes without water!

Brian J
Nashville, Tennessee

Response time to my issue was good and the necessary repairs were made correctly. The set co-pay is nice and I feel that I am getting good value and peace of mind for the price I paid for my home warranty.

Gary L
Huntington Park, California

The salesman who assisted me was informative, polite & professional. I really like that I can select the contractors who perform the services on my home.

Jared S
Fort Worth, Texas

I talked to one of their sales rep in early March of 2017 and got a Home Warranty. Stressed to him that I wanted FULL coverage since I have a pool and lots of extra things to have covered. He went through a few items and got me set up. In April my microwave went out, filed a claim and they said I didn't have coverage of my microwave. He said he didn't tell me about it because most peoples microwaves are sitting on the counter and not very expensive (mine was a built in unit and cost $750 with install). FIRST BIG FAIL. We went over coverage again and he added my second refrigerator and said I was all covered. Next, in October had an issue with my Double oven. The cost is $1100 for a control... Read More

Syed K
Houston, Texas

Excellent response time. Electrical person Mr. Esrael very pleasant and knowledgeable. Went above and beyond.

Keshava P
Las Vegas, Nevada

Very courteous, responsive and efficient, great service, followed up with me several times during the repair process can I would recommend it, premiums very competitive

Terre Haute, Indiana

I was with another warranty company for about 8 years, but the premium and trade fee kept getting higher and higher, so we went shopping around for another company. We settled with AFC Home Club and our experience has been very good so far. On our first claim, we used our own contractor for the HVAC work. We paid the full price and AFC reimbursed us everything, minus the trade fee. The reimbursement took about 5 weeks. On our second claim, we let their system figure out who to send and it worked out well. We paid the trade fee and the contractor took care of the rest. AFC followed up immediately afterward to make sure the work had been completed (so the contractor could get paid)... Read More

Pearland, Texas

I wished I would have read some of these reviews before purchasing from this home Club. Our dishwasher is not working properly. We called and paid the $60 for a diagnostic. Now they are telling me that the will only give me $122.22 to fixing or replacing my dishwasher. The depreciation bit was not mention on the phone. It was in my terms and condition that you received after buying the warranty.

Matthew C
San Gabriel, California

terrible home warranty. stay away from this company. rarely will I ever speak negatively about a service/produce but this is the only leverage we have as consumers to make sure companies do their part. do not believe consumer advocate review. this company will not honor contract. can't get them to fix my refrigerator because they say its too old ?? where has anyone heard of that !! believe me. stay away.

Matthew C
San Gabriel, California

we submitted a claim to repair our subzero refrigerator. took them 2 weeks to get someone there and now they are saying they will not pay the repair because the fridge is too old. this was not indicated anywhere in the contract nor were we explained any of this. This is not right and I am disappointed i left american home shield for this company based on Consumer Advocates online review and recommendation. STAY AWAY from this company. I rarely will rate a company negatively because there are always circumstances on both sides, but here it is a clear rip-off. Pls do yourself a favor and stay away! Policy # CLR -96007430

Keshava P
, Arizona

The warranty is affordable. That is good. the problem is: it seems we have to fight sometimes to get repairs paid. Lately the experience has been better. Another problem: online claim request not available

Los Angeles, California

America's First Choice Home Club had good reviews and they would let me use my own contractor, so I chose them over other providers. Dealing with their reps has been straight forward and I had no difficulties in submitting my claims with them. Also, the technicians who came out were capable people and I have no issues with their work.

Steve E
Rancho Mirage, California

If you're thinking about buying a home warranty policy, and think that 'AFC Home Club' might be a good choice, think again! RUN, don't just walk away from these guys. (They've actually been described as the 'rattlesnakes of the home warranty business' by others in the trade, and they're so right!) I bought a policy with AFC and here's what I found out, and regretfully, found out too late. The small print in their convoluted contract clearly states the following : • They have a 'whopping' $1,500 maximum on each repair, and that makes little sense with their advertised 'repair or replace' program. If you need to replace an a/c for example, and if the broken or damaged item... Read More

Mike L
Moorpark, California

These guys are terrible. They use all kinds of little caveats to avoid paying your claim and they also set what seem like arbitrary limits to how much they will pay. Do not use this Warranty Company!