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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Wylie, Texas
This company is a waste of time and money. I have yet to use them because nothing is covered or they have strict stipulations. If a toilet is loose, it's usually caused by wear and tear right?. That is not covered with this company. I guess if there was an earthquake and it jarred to toilet loose, they would cover that. What a joke. Avoid this company like the plague

Official Response

Responder of America's 1st Choice Home Club Warranty
Ren, we apologize for your frustrations with us. We have our policies and guidelines to protect not just the homeowners, but our company as well. We try to take care of each individual homeowner as best we can with each particular need. Unfortunately, we are unable to satisfy every issue to the individuals liking. If you would like, please give us a call and speak with one of managers to resolve your issues, we want to help you.

New York, New York
I did market research of various home warranty companies and I went with America’s 1st Choice. Submitting a claim with them was seamless and the claims representatives were very knowledgeable and professional. I had very good interactions with them.

Official Response

Responder of America's 1st Choice Home Club Warranty
Jen, thank you for your feed back. We take pride in servicing our homeowners as quickly and professionally as possible. We look forward to servicing you and being of service!

Dallas, Texas
STAY AWAY FROM THIS COMPANY. They are such a rip off. First of all they require a huge down payment (other home warranty companies does not). When my refrigerator stop working on a Saturday, I called them and received the answering service. They took a message and said that someone would return my call on Monday. Close to the end of business, no phone call, so I called again, another message. It took 3 days for someone to return my call. They sent no one out but said my refrigerator was old and that they would give me $150.00 for replacement cost. No one came out to even take a look at it. When my car was stolen so was my wallet, I had to cancel my credit cards. They were on... Read More

Official Response

Responder of America's 1st Choice Home Club Warranty
Gina, thank you so much for your feed back. Whether it be good or bad, we want to hear your opinion. The issues you have endured in dealing with our business is inexcusable and we want to make it up to you and try to resolve this. Please give us a call and you can speak with one of our managers immediately. Thank you for your honesty and hope we can come up with a resolution.

kristian s
Beulaville, North Carolina
Greetings! I wanted to pay a compliment to Paul Jones for being knowledgeable and helpful in explaining the full process and plans with AFC. He explained how the home warranty worked if there was to be a claim. Paul made sure I understood the processes as well as what I needed to do to make sure I was covered when it came to my A/C or heating system. Paul was also able to tweak the Gold plan to my satisfaction giving me the exact coverage I needed. After speaking with him I felt much more comfortable about the home warranty I was purchasing.

Official Response

Responder of America's 1st Choice Home Club Warranty
Kristian, we are happy to hear about your great experience with one of our sales reps. We believe that customer service comes first. We want to provide knowledge of how our business works up front and go over policies and guidelines from the very beginning of the first call. We want our customers satisfied in their choice of choosing us in servicing you. Thank you for your post, we are here for you!

Slidell, Louisiana
This Company appears to be a rather dishonest fraudulent entity! In my readings of many of the Reviews regarding this Home Warranty company I was aghast with all of the terrible unethical thieving conniving machinations of this particular company that apparently many people all over the nation had experienced!

Madison, Tennessee
I bought a home warranty in May. In July my Ac system broke down. AFC had me get my own Ac service provider. They then refused to cover the repair. I have since had another problem with the same system and again they are refusing to pay. They also will not refund the money I have paid for the warranty. I would not buy this home warranty.

Bill D
Queen Creek, Arizona
AFC handled our claim quickly and efficiently. The company that made the repair, Rhino Appliance Repair, did a great job. I was very impressed by the entire process.

Official Response

Responder of America's 1st Choice Home Club Warranty
Thank you, Bill for your post. We appreciate your business with us and look forward to continuing service with you.

Miami, Florida
This is my first service call. It is related to a leaking problem in my toilet. It took less than 48 hours to get the work done. I am very satisfied with the customer service and work completed. Thank you for the quick service.

Official Response

Responder of America's 1st Choice Home Club Warranty
Amber, thank you for your post. Our main priority is keeping our homeowners satisfied. We believe in customer service and we are here to serve you to the best of our ability. Thank you for your business with us!

Fredericksburg, Virginia
I am cancelling my contract after only 3 months of active coverage. I live in a new home that happened to encounter my first case, which was a problem with my 15 month old dishwasher. First, when I signed up for the warranty, I was told that I could use a repairman of my choice. All products are Sears, and the sales person said, "no problem". When I phoned for assistance, I was then told that the company doesn't work with Sears for technical service! Second, they sent a repairman of their choice who clearly knew nothing about the appliance. He gave me a diagnosis, then called in with a different diagnosis, according to the service rep. Coincidentally, the diagnosis that was called in... Read More

Mike C
Springfield, Illinois
You get what you pay for. We switched to AFC because it was a cheaper company than other home warranties we have had in the past. However, the service we were provided was terrible. AFC could never get a vendor in our area so we had to acquire our own technician several times. While it appears AFC coverage is similar to other companies, it is much poorer. We had to have an AC unit replaced on our rental property two years ago and another company replaced the ENTIRE unit (which was 25 years old) and all we had to pay for is a $60 service fee. We had to replace the AC unit on our current home this year and AFC would only give us $150 towards the cost because the unit was 20 years old.... Read More

Official Response

Responder of America's 1st Choice Home Club Warranty
Mike, we wish that we could have been of service to you. Unfortunately, we are unable to help every homeowners needs and wants to each individuals liking. We do our best in resolving maintenance issues, but we do have guidelines/ policies that we must abide by to protect not just the homeowners, but our company as well. For your particular situation, we could not go further with your case. We apologize for the inconveniences you may have had, but feel free to give one of our managers a call and we will be happy to discuss this further and resolve this.

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