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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

Loading Reviews ...
tlword123
3/2/2022
Assisted me even when it wasn't covered but I was surprised at the things that are considered normal wear and tear


lissa.treadway
2/24/2022
I came to America's 1st Choice after having terrible experiences with American Home Shield and Cinch Home Services. The representative from America's 1st Choice was very helpful, gave me his email for any questions or concerns, now or later, and was available for any questions I had. A stark contrast to the other companies where you can't reach a live person.


vegpowered333
2/23/2022
The representative of AFC that contacted me looking for electrical repair service for a customer was very professional and concise. So many web-based "referral" companies call me as if they are doing me a favor by charging hundreds of dollars per "qualified lead" long story short.. I'm glad I didn't ignore the call from AFC.. cost me nothing, they just got a reasonable fee from the grateful customer and I had total control over the resulting job quote. Thanks, looking forward to my next job! -Nathan SunSpark Electrical LLC Prescott Valley Arizona


highviewplumbingcontractors
2/3/2022
Easy to work with and very friendly representatives. As a vendor we highly recommend AFC.


multiservicenetwork
2/3/2022
Great Service. Awesome company to work with at a good price Thanks.


D
Dom M
1/28/2022
I had a plumbing issue that I thought was covered by my contract. A supervisor confirmed it. But when it came time to pay, I paid the vendor but complained to AFC that I expected a different outcome. AFC worked hard to cover my service. I appreciate their effort.


N
Natasha
1/21/2022
I paid AFC, in full, upfront, for the 3 Year Platinum Plan only to have every claim I filed denied. First claim for a Hot Water Heater I paid AFC $150 deductible $1400 repair bill and was reimbursed $80. Second claim for a bathtub faucet, Inpsid AFC $150 deductible and paid $460 for repairs out of pocket, and AFC paid/reimbursed $0. Third claim for new hvac unit, again paid AFC $150 deductible and $6800, AFC paid/reimbursed $0? I would not recommend AFC, it’s a rip off.


L
Linda S
1/11/2022
This company is not good at all if your house is not new. Their proration for claims means that if your house is older (which is when you need a warranty), the proration means they pay next to nothing for repairs and replacements. Furthermore, they charge a big up front fee; if you cancel they prorate by days you actually were a member and then they subtract any claims you made. So basically they can ensure that if you use them once and cancel, you well get nothing back. I ended up spending $833 for 11 months of coverage. They paid $289 for a huge repair on my heater. I get nothing back when I cancel after they subtract the one claim I made and the $75 cancellation fee. STAY AWAY from... Read More


multiservicenetwork
12/29/2021
Great Service. Customer service is awesome. And very helpful and very informative.


S
S V
12/16/2021
This company does not provide the coverage they advertise. On an air conditioner repair, they first determined that the unit was recently out of warranty, then prorated what they considered to be the “remaining value” of the the unit. For a system that was a mere six years old, AFC Home Club offered to pay about one seventh of the repair estimate provided by their own recommended AC technician. By complaining to their customer service department and later to the Better Business Bureau, I was able to increase the reimbursement amount to about a third of the repair cost. Under no circumstances would I recommend this company to any homeowner or tenant.



Our Partner
  • Plans & pricing to fit every budget
  • No age limit on systems & appliances
  • No inspection or maintenance records required
  • If a covered item can’t be repaired, they replace it
  • 30-day workmanship guarantee