America's 1st Choice Home Club Warranty Review

Rating: 9.4 / 10 (Excellent)
102 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 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

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102 Customer Comments & Reviews

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Mark A
Gordonsville, 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?

Official Response

Responder of America's 1st Choice Home Club Warranty
Mark, any appliance or system under manufacturers warranty must go through manufacturer's service process if a warranty is still in place on the particular system or appliance. One of our customer service reps will be reaching out to you shortly to go over this with you.

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.

Official Response

Responder of America's 1st Choice Home Club Warranty
George, I understand your frustration with the delay in service you experienced with your furnace. I see the issue has been resolved, however, I will have a customer service reach out to you regarding the matter.

Stephen Y
Conroe, 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
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.

Official Response

Responder of America's 1st Choice Home Club Warranty
Doris, we apologize you had you had a less than satisfactory experience with AFC. One of our customer service specialist will be reaching out shortly.

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.

Napa, California
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
Shorewood, 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.

Official Response

Responder of America's 1st Choice Home Club Warranty
Sydney, I apologize for for the delay you experienced in receiving reimbursement for the garbage disposal repair. One of our customer service reps will be reaching out shortly.

Gale M
Memphis, Tennessee
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.

Official Response

Responder of America's 1st Choice Home Club Warranty
Gale, we are pleased to hear you enjoyed working with our service department! We look forward to servicing your home!

Carol K
Rochester, Minnesota
Very short waits when calling in. Quick response to problem. Fair coverage and quick payment to service provider.

Official Response

Responder of America's 1st Choice Home Club Warranty
Carol, thank you for your feedback!! We look forward to servicing your home!!

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!

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