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Compare AFC Home Warranty vs. American Home Shield Home Warranties

What’s the difference between AFC Home Warranty and American Home Shield? See how our editors compare the two companies below.
Last Updated: April 23, 2024
AFC Home Warranty
3.9 / 5 - Very good
#5 in Home Warranties
American Home Shield
4.7 / 5 - Excellent
#3 in Home Warranties
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Key Facts

  • 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
  • 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

OVERALL RATINGS

 AFC Home WarrantyAmerican Home Shield
Transparency3.5/54.8/5
Claims Processing3.5/54.8/5
Coverage Options4.0/54.7/5
Additional Benefits4.0/54.7/5
Customer Experience4.5/54.7/5

Coverage

Key Facts

 AFC Home WarrantyAmerican Home Shield
Plan Types
Combo Plan
Systems
Appliances
Combo Plan
Benefit Limit Type
Per Item
Per Item
Term Benefit Limit
$10,000
Typical Appliance Benefit Limit
$2,000
$3,000
Typical Systems Benefit Limit
$2,000
$0

Specialty Items and Additional Coverage


Coverage Details

Covered Built-In Systems

AFC Home Warranty
vs
American Home Shield
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Doorbells
  • Ceiling Fans

Covered Appliances

AFC Home Warranty
vs
American Home Shield
  • 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
Display Less
4 More
  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Freestanding Ice Makers
  • Built-In Trash Compactors
  • Garage Door Openers
  • Built-in Food Centers

Exclusions

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

Contract & Price

Contract Details

 AFC Home WarrantyAmerican Home Shield
Annual Premium
Starting at $395
Starting at $0
Home Inspection Required for Contract?
No
No
Online Quote/Application

Sample Contract

AFC Home Warranty 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

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.
Customers can cancel anytime within their 30 day wait period and receive a full refund, and can cancel anytime during the contract term, as this is a non-binding contract.

Claims & Service

Claims

 AFC Home WarrantyAmerican Home Shield
Service Fee
Service fee is dictated per your Declaration Page
$100 and $125
Maintenance Records Required for Service?
Yes
No
24/7 Claims Department?
Waiting Period
30 days
30 days

Contractors & Service

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

Reputation Compared

Company Details

 AFC Home WarrantyAmerican Home Shield
Year Founded
2009
1971
NHSCA Membership
BBB Rating
B
B
BBB Positive Reviews
31
392
BBB Neutral Reviews
0
50
BBB Negative Reviews
22
1,874
Date Collected
2017-07-26
2023-07-24

Contact & Additional Information

 AFC Home WarrantyAmerican Home Shield
Homepage URL
Company Phone
(866) 242-0629
(888) 429-8247
Headquarters Address
1343 Canton Rd, Marietta, GA, 30066
150 Peabody Place, Memphis, TN, 38103
Mailing Address
1343 Canton Rd, Marietta, GA, 30066
P.O. Box 849, Carroll, IA, 51401
Year Founded
2009
1971

Final Verdict

American Home Shield has a higher overall rating than AFC Home Warranty. American Home Shield scores better than AFC Home Warranty across: Reputation, Contractor Network, Contract & Price, Transparency, Claims Processing, Coverage Options, Additional Benefits, and Customer Experience.


Customer Comments & Reviews

S
Suzanne M
2/8/2024
American Home Shield review
We just received a new rate for 2024 which is higher. Our service fee also went up. We'll be shopping around to compare prices. Last year I received lower rates on a new contract. I've never been able to log into that contract to update my credit card. For service I've had to call rather than order online. I need some help.


dcomito2
11/14/2023
American Home Shield review
I have had their coverage for almost 40 years. One item I noticed in my current contract is the refrigerator ice maker is no longer covered. When I read their standard contract for the 2022-23 year it shows it's covered. So my question is, why, as a customer for almost 40 years, was this exclusion made in my contract.


mccraemalcolm
3/19/2022
AFC Home Warranty review
Super easy to file a claim and even faster processing time. We filed a claim Monday night online and got a call Tuesday for confirmation. That same Tuesday someone was out to assess the repair. Our claim was denied due to it not being a covered item (Freon). Even though it was not covered it was great knowing within 24hrs so that we can get the fridge repaired. The last home warranty company we used would have been a minimum 2 weeks to get an answer because they are so slow and have a horrible process. I love AFC so far!


jacintastonewalker246
3/19/2022
AFC Home Warranty review
Excellent Company! I love that I have the choice to select the person who does my repair or use a company recommended provider. The customer service representatives are polite and knowledgeable, the cost is appropriate, and responses are quick.


M
Mark P
7/25/2016
AFC Home 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
4/5/2016
AFC Home 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
2/29/2016
American Home Shield 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
2/18/2016
American Home Shield 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 .