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AFC Home Warranty Review


ConsumersAdvocate.org Rating: 3.9 / 5 (Very good)
265 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 Warranty rated?

Breakdown

3.5/5
Transparency
3.5/5
Claims Processing
4.0/5
Coverage Options
4.0/5
Additional Benefits
4.5/5
Customer Experience

Overall Rating: 3.9 / 5 (Very good)

America’s First Choice Home Club's in-house service, online member portal, and overall track record make it stand out as one of the most comprehensive home warranty companies.

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.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Term Benefit Limit
$10,000
Typical Appliance Benefit Limit
$2,000
Typical Systems Benefit Limit
$2,000

Coverage Options - 4 / 5

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. HVAC systems are subject to no coverage caps, which is a great addition for the company.

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 Warranty cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
  • Sump Pump
  • Septic System
  • Hot Water Dispenser
  • Pool & Spa
  • Tankless Water Heater
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4 More

Exclusions

For a full list of AFC Home Warranty exclusions, check out this page.

Contract & Price

Contract Details

Annual Premium
Starting at $395
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 3.5 / 5

AFC Home Club’s base-level contract’s annual premiums begin at $395.

In addition to a personalized quote calculator and sample contract 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.

Not only is their contract available on their site, but they have a page dedicated to explaining in detailed, user-friendly language exactly what is covered for any give item.

Sample Contract

AFC Home Warranty provides a sample contract for potential customers on its website: AFC Home Warranty Sample Contract

Cancellation Policy

Customers can cancel the policy any time for any reason for a pro-rated refund. If AFC cancels a customer for non-payment, though, no refund is due.

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

Claims

Service Fee
Service fee is dictated per your Declaration Page
Maintenance Records Required for Service?
Yes
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
Any Contractor

Claims Processing - 3.5 / 5

AFC Home Club's service fees of $75, $100, and $125 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 their 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 Warranty Reputation

Company Details

Year Founded
2009
NHSCA Membership
BBB Rating
B
BBB Positive Reviews
31
BBB Neutral Reviews
0
BBB Negative Reviews
22
Date Collected
2017-07-26

Reputation - 3.5 / 5

AFC Home Club is a member of the NHSCA and 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
1343 Canton Rd, Marietta, GA, 30066
Mailing Address
1343 Canton Rd, Marietta, GA, 30066
Year Founded
2009

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265 Customer Comments & Reviews

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Phil T
2/1/2024
We replaced our 10 year old water heater because its hot water output was diminishing. The new heater, expansion tank and labor was $3,300. AFC reimbursed us $100 citing a contract depreciation clause. The point of a home warranty is to pay for a replacement unit when another fails. Water heaters last only 10-12 years. AFC effectively offers no actual water heater replacement coverage unless the unit explodes or suffers other catastrophe. If offering only a drastically reduced depreciated value, AFC should at least cover labor.


PoorBoy J
12/1/2023
This company is a joke! They have no problem taking your money but when you actually need help or service they don't do shit besides treat you with disrespect and absolutely zero customer service. My furnace went out four days ago when I made a call and nothing. They claim they scheduled a technician but when I contacted said technician they haven't heard from or received anything from AFC. I was treated poorly by this contractor as well. My house has been in the 40°S for four days and I have kids. Bullshit!


K
Kelly T
5/19/2022
Damper motor on ac was found to be defective by technician they sent to the house. The representative informed me that that part isn’t covered. Really? The ac can’t work without it and I didn’t do anything to break it. I have a platinum membership so the only benefit I got in exchange for a $600 plan is a $75 service fee and I have to pay for repairs out of pocket? Rip off!


msdaniels2006
5/12/2022
As a Disabled Veteran and Consumer, I am utterly appalled by this company. This company talks a good game but does not follow thru. I filed a claim to because my Ameristar AC was not blowing out cold air. Since it came with the house 3 years ago, forgive me for thinking that i would file a claim. They would send a technician out to see what is wrong. Maybe the AC needs a little Freon, or a valve is not fully open because they do offer that in the warranty. Nope just the runaround and there is nothing we can do. I had no information on it which is why I got a home warranty. Go figure... They call me back and tell me that I have to contact Trane because it is still under warranty until... Read More


sunluv714
3/24/2022
This company is a SCAM!! They didn't cover ANYTHING that I made claims on and after I canceled my membership they charged me so many fees that I ended up only getting $63 back out of the $250+ that they owed me after having been with them for 6 months! TERRIBLE COMPANY!!!


V
Vijay
3/23/2022
One of the worst Home insurance company, please don't take any insurance from this provider. They are just minting money without resolving the consumer issues.


mccraemalcolm
3/19/2022
Super easy to file a claim and even faster processing time. We filed a claim Monday night online and got a call Tuesday for confirmation. That same Tuesday someone was out to assess the repair. Our claim was denied due to it not being a covered item (Freon). Even though it was not covered it was great knowing within 24hrs so that we can get the fridge repaired. The last home warranty company we used would have been a minimum 2 weeks to get an answer because they are so slow and have a horrible process. I love AFC so far!


jacintastonewalker246
3/19/2022
Excellent Company! I love that I have the choice to select the person who does my repair or use a company recommended provider. The customer service representatives are polite and knowledgeable, the cost is appropriate, and responses are quick.


serviceorderstatus
3/18/2022
Working with AFC was really incredible everyone seems to be caring about the contractors and their customers I would give them a five-star


snjur29
3/9/2022
Very cooperative, serious and honest, all praise from me and my family.



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