Compare AFC Home Club vs. American Home Shield Home Warranties

What’s the difference between America's 1st Choice Home Club Warranty and American Home Shield Home Warranty? See how our editors compare the two companies below.
Last Updated: May 18, 2018
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AFC Home Club
9.4 / 10 - Excellent
#2 in Home Warranties
American Home Shield
9.7 / 10 - Excellent
#1 in Home Warranties
vs

Key Facts

  • Award winning service
  • Save 10% on any plan
  • Dedicated account managers
  • Choose your own service technicians
  • Longest work guarantee
  • Unlimited number of repairs
  • Far and away the trusted industry leader
  • They have paid out over $1.8 billion in claims in the past 5 years
  • Nationwide network of more than 13,000 contractors
  • More than 1.7 million customers
  • Best reputation in home warranty industry

OVERALL RATINGS

 AFC Home ClubAmerican Home Shield
Coverage10/1010/10
Reputation10/1010/10
Contract & Price9/1010/10
Claims & Service10/109/10

Coverage

Key Facts

 AFC Home ClubAmerican Home Shield
Plan Types
Combo Plan
Systems
Appliances
Combo Plan
Build Your Own
Benefit Limit Type
Per Item
Per Item
Typical Appliance Benefit Limit
$1,500
$3,000
Typical Systems Benefit Limit
$2,000
$1,500

Coverage Details

Covered Systems

AFC Home Club
vs
American Home Shield
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Instant Hot/Cold Water Dispensers
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pumps

Covered Appliances

AFC Home Club
vs
American Home Shield
  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Garage Door Openers
  • Garbage Disposal
  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Free-standing Ice Makers
  • Trash Compactors
  • Garage Door Openers
  • Built-in Food Processors

Exclusions

For a full list of AFC Home Club exclusions, check out https://afchomeclub.com/wp-content/uploads/2018/01/10000-PLATINUM-1-18.pdf

Exclusions

For a full list of American Home Shield exclusions, check out https://www.ahs.com/pricing-and-plans/contract-policies
AFC Home Club
vs
American Home Shield
  • Guest Unit
  • Pool/Spa
  • Well Pump
  • Septic

Contract & Price

Contract Details

 AFC Home ClubAmerican Home Shield
Annual Premium
Starting at $395
Starting at $299
Home Inspection Required for Contract?
No
No
Online Quote/Application

Sample Contract

AFC Home Club provides a sample contract for potential customers on its website: https://afchomeclub.com/wp-content/uploads/2014/07/9600-P-2.pdf

Sample Contract

American Home Shield provides a sample contract for potential customers on its website: https://www.ahs.com/pricing-and-plans/contract-policies

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.
Customer can cancel anytime with refund possible.

Claims & Service

Claims

 AFC Home ClubAmerican Home Shield
Maintenance Records Required for Service?
Yes
No
24/7 Claims Department?
Waiting Period
30 days
30 days

Contractors & Service

 AFC Home ClubAmerican Home Shield
Contractor Selection
Any Contractor
In-Network Only

Reputation Compared

Company Details

 AFC Home ClubAmerican Home Shield
Year Founded
2009
1971
NHSCA Membership
BBB Rating
B
B
BBB Rating
31
20
BBB Neutral Reviews
0
12
BBB Negative Reviews
22
642
Date Collected
2017-07-26
2017-07-15

Contact & Additional Information

 AFC Home ClubAmerican Home Shield
Homepage URL
Company Phone
(866) 242-0629
(888) 429-8247
Headquarters Address
1337 Canton Rd STE B, Marietta, GA, 30066
150 Peabody Place, Memphis, TN, 38103
Mailing Address
1337 Canton Rd STE B, Marietta, GA, 30066
P.O. Box 849, Carroll, IA, 51401
Year Founded
2009
1971

Final Verdict

American Home Shield Home Warranty has a higher overall rating than America's 1st Choice Home Club Warranty. American Home Shield scores better than AFC Home Club across: Coverage, Reputation, Contract & Price, and Customer Base. However, AFC Home Club scores better on Claims & Service. Both companies score similarly on Contractor Network.


Customer Comments & Reviews

M
Marcia
Pittsburgh, Pennsylvania
5/7/2018
American Home Shield Home Warranty review
I just bought this insurance because it was listed on www.consumersadvocate.org as the best. Now I am reading the current reviews? American Home Shield Home Warranty, do you read your reviews?


A
Ara R
San Jose, California
5/2/2018
America's 1st Choice Home Club Warranty review
I Googled America’s First Choice Home Club and saw it was the top-rated one. I have filed two claims over the phone and it's been pretty quick. The reps were good and so were the technicians. They're still working on the garage while the washer had something with the computer. It was damaged and they replaced it. I recommend AFC. So far, I have no problems with them.


K
Kathryn B
Dallas, Texas
4/12/2018
American Home Shield Home Warranty review
I was very pleased with technician who replaced my gas hot water heater. He was very friendly and knowledgeable. I highly recommend him and if I should need a plumber in the future I would want his service. Thank you!


S
Savannah M
Marietta, Georgia
3/22/2018
America's 1st Choice Home Club Warranty review
I have been with this company for 4 years now and each interaction I have had has been great! I was surprised to read some of the other reviews but I am happy. I just had a plumbing issue with my toilets and sinks backing up. I called them that morning and they had a plumber set up for me within a few hours. He snaked the lines and had to replace some piping which I know can't be cheap. I have had about a request a year so far and each time I have been happy, I feel like I am getting my monies worth and that I am appropriately protected.


M
Mark P
Decatur, Georgia
7/25/2016
America's 1st Choice Home Club Warranty review
I have had an AFC Home Club plan for 6 months now and have had to use their services 3 times already unfortunately. Once for my dishwasher, another for my AC and a third time for a bathtub/faucet issue. Every time I have put a request in they have been quick to respond, schedule a technician and handle the problem without much stress. I am so very glad I am covered with my home club plan and plan to renew year after year to keep my home protected.


J
Jenny S
Atlanta, Georgia
4/5/2016
America's 1st Choice Home Club Warranty review
I have read the reviews of this company and must say AFC is the best I have ever dealt with. I filed my claim request and within 2 hours the service had been set up. The man that came out was great and fixed my problem within a few minutes. Thanks AFC for being there when I needed you most.


E
Ersie R
Harriman, Tennessee
2/29/2016
American Home Shield Home Warranty review
Our hot water heater leaked and the contractor responded quickly and repaired the problem. He also recommended the Dry Wall Service that we would need to dry the walls surrounding the water heater. We were pleased with the time it took to restore everything to normal. The contractors were very polite, efficient and punctual. They did a marvelous job of cleaning up when they were finished.


N
Nahun H
Sewell, New Jersey
2/18/2016
American Home Shield Home Warranty review
It was 20degres,was very cold my heather fan went out,I call Home shield,in 20min.i receive a call from a vendor in less of 2 Hrs.a Tech show up,he adjust the Fan to work until he pick up the new part,he return the next day first thing in the morning,and install the New a Fan,the Tech was very resourful,he was well,presented,left the area very clean on both times he work on my Unit.imwas very please,with the customer service,they understud my problem and act very fast,looking for a Contractor that was available .