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

Loading Reviews ...
frank s
San Juan Capistrano, California
Well, I have to join the "should have read the Yelp reviews" crowed. Simple pool motor went south 6 months into my new home with existing equipment. $575 for the warranty, $60 for their tech to come out and confirm and then they deny the claim saying it's too old and normal wear and tear. Well what isn't? How do these people stay in business. 30 minutes on hold only for their rep to read from their contract, a small line in their contract you get after you buy that says they don't cover unknown or pre existing conditions. REALLY? This just means they can deny anything that might cost them anything. I hope your company sinks without trace. Shame on you Principal: Mr. John B.... Read More

Heather B
Charles Town, West Virginia
Terrible crooks! They give you the run around, don't help you or reimburse or honor their own contract after taking your money! The positive reviews I see are from Marietta, GA, where their office is. Despicable!

Jake R
Atlanta, Georgia
Pump went out on our washer. The tech submitted the wrong model number which led AFC to believe the washer was a lot older than the reality. The rep I spoke to on the phone was polite, professional and we quickly got the error fixed, and the washer fixed!

Melodee L
Atlanta, Georgia
We got AFC Home Club due to its cost and what was all included with it. Their claims representatives were friendly and helpful. We live out in the middle of nowhere, so it was hard to find somebody that would come out. When our freezer was not cooling and the fridge cut off too, I had to unplug it and it took everything out. When the technician came, he plugged it back in and it started working. He also pulled a piece off, which they had to replace at their expense. My stuff in the freezer was still soft so they came back out. However, the freezer was not working still, so my husband called them again and they sent out a senior technician. When he came out, he asked how many times had... Read More

Jack R
Atlanta, Georgia
I've always had a home warranty, but I never liked American Home Shield. I fired them and terminated their service years ago. AFC is certified and approved, and they're endorsed by the Better Business Bureau. They've been very professional, courteous and fast each time I submit a claim. They explain everything very well. A technician comes in within a couple of days and depending on my schedule, but they’re normally readily available within 24 to 48 hours. They’re very patient.  Overall AFC has been excellent because I bought this house April 1st, 2013, built from the ground up and they built the house so fast that I didn’t think I could’ve sued them for negligence. I made up my mind... Read More

Anthony W
Atlanta, Georgia
I bought a home, moved into it and wanted something better than the home warranty company I had. I did a Google search and AFC had the best reviews. When I submitted a claim with them, it went smooth and the rep had it pushed through pretty quickly. The tech who came was a local company that I used a few times directly on my other needs. He was excellent.

Atlanta, Georgia
I am not one to normally write reviews. I am a simple person who just wants to get what they pay for and I believe in Karma. I needed to tell other about this company so they too can experience what it is like to have someone stand up to their word, which is not normal these days. I called AFC about 2pm when it got real hot here about a week ago. My house was 79 degrees and my pregnant wife was about to have a fit. They had the tech at my door within 3 hours, be it this was a heat wave and he was still there that day! He was working on the unit for about 2 hours and it ended up needed quite the repair, when all was said and done what was asked of me? NOTHING ALL I PAID WAS $60.00... Read More

joe m
Laguna Niguel, California
I called for a garage door repair on a Sunday. I was put to an automated system which set an appointment. The contract states that the assembly of the garage door is not covered. I did not think a spring was part of the assembly. The service man came out and said that American home shield denied coverage. The man said I will install the spring for 375.00 with service fee included. I called Home shield and was left on hold thinking they will refund the service fee. Because the contract was not clear and I have been a customer for years. They not only denied my request they told me I did not have to use the installer they sent, Exit garage doors was double the price of any other garage... Read More

Gina L
Greensboro, North Carolina
THEY DON'T HONOR THEIR WARRANTY!!!! After waiting the 30 days for the coverage, we had electricians come to install new ceiling fans. They couldn't do that safely because of issues with the wiring, so we needed the wiring redone. They refused to honor the warranty on that, the dishwasher or the plumbing issues with the house we just bought! FRAUDS!!!!

Sunnyvale, California
I don't understand how this company has such a high rating. I have had nothing but issue with getting claims taken care of. The purpose of getting home warranty is to protect the appliances that are original or old enough they have issues. With AFC, if the appliance is more than 13 years old, the amount they will offer is called "good will". Here is what one should ask when getting a quote 1. What appliances are covered? If you have a cook top, combo microwave wall over. Only 1 of the 3 are covered unless you add on the additional items. 2. HVAC - is there anything I have to send in to have my unit covered? If you don't send a copy of your annual preventative maintenance... Read More

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