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Compare AFC Home Warranty vs. Home Service Club Home Warranties

What’s the difference between AFC Home Warranty and Home Service Club Home Warranty? See how our editors compare the two companies below.
Last Updated: April 18, 2024
AFC Home Warranty
3.9 / 5 - Very good
#4 in Home Warranties
Home Service Club
3.9 / 5 - Very good
no_rank
vs

Key Facts

  • Protects all major systems & appliances
  • Home maintenance insurance
  • 24/7 in-house service team
  • Choose your own licensed technicians
  • Thousands of in-network contractors nationwide
  • Member discounts
 
$75 Off + 1 Month Free
  • Combination appliance/system plans
  • 24/7 service team schedules around your needs
  • National network of local qualified service contractors
  • No home inspection needed
  • More items covered than competitive plans
  • 2 plans to fit your budget
  • Award-winning service

OVERALL RATINGS

 AFC Home WarrantyHome Service Club
Transparency3.5/54.3/5
Claims Processing3.5/53.3/5
Coverage Options4.0/54.3/5
Additional Benefits4.0/54.0/5
Customer Experience4.5/53.7/5

Coverage

Key Facts

 AFC Home WarrantyHome Service Club
Plan Types
Combo Plan
Combo Plan
Benefit Limit Type
Per Item
Per Item
Per Term
Term Benefit Limit
$10,000
$9,000
Typical Appliance Benefit Limit
$2,000
$2,000
Typical Systems Benefit Limit
$2,000
$2,000

Specialty Items and Additional Coverage


Coverage Details

Covered Built-In Systems

AFC Home Warranty
vs
Home Service Club
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pump
  • Telephone Wiring

Covered Appliances

AFC Home Warranty
vs
Home Service Club
  • 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
  • Garbage Disposal
  • Stand Alone Freezer
Display Less
2 More
AFC Home Warranty
vs
Home Service Club
  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

 AFC Home WarrantyHome Service Club
Annual Premium
Starting at $395
Starting at $400
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

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.
The customer may cancel the HSC service agreement for any reason within the first thirty 30 days following the date of purchase and shall be entitled to a refund of the paid contract fees less any service costs incurred by HSC and an administrative fee of up to $45.

After 30 days, the customer shall be entitled to a pro rata refund of the paid contract fees for the unexpired term, less any service costs and an administrative fee of up to $45.

This contract may be canceled by HSC for nonpayment of contract fee, fraud or misrepresentation by the customer, by agreement between client and company, or if the customer threatens to harm or does harm the safety or well-being of HSC, their property, employees or contractors.

HSC may cancel the contract without reason at any time in the first 30 days following its effective date.

If HSC cancels the contract within the first 30 days, the customer will not be charged an administrative fee and shall be entitled to a refund of the paid contract fees less any service costs incurred.

If HSC cancels the contract after 30 days, the customer shall be entitled to a pro rata refund of the paid contract fees for the unexpired term, less any service costs and an administrative fee of up to $45.

Claims & Service

Claims

 AFC Home WarrantyHome Service Club
Service Fee
Service fee is dictated per your Declaration Page
$65, $95, and $125
Maintenance Records Required for Service?
Yes
No
24/7 Claims Department?
Waiting Period
30 days
30 days

Contractors & Service

 AFC Home WarrantyHome Service Club
Contractor Selection
Any Contractor
In-Network Only

Reputation Compared

Company Details

 AFC Home WarrantyHome Service Club
Year Founded
2009
2008
NHSCA Membership
BBB Rating
B
B
BBB Positive Reviews
31
BBB Neutral Reviews
0
BBB Negative Reviews
22
Date Collected
2017-07-26
2022-07-20

Contact & Additional Information

 AFC Home WarrantyHome Service Club
Homepage URL
Company Phone
(866) 242-0629
(800) 601-1009
Headquarters Address
1343 Canton Rd, Marietta, GA, 30066
305 Broadway, 9th Floor, New York, NY, 10007
Mailing Address
1343 Canton Rd, Marietta, GA, 30066
Year Founded
2009
2008

Final Verdict

AFC Home Warranty and Home Service Club Home Warranty are very close in quality and have the same overall rating. That said, AFC Home Warranty scores better than Home Service Club across: Claims Processing, and Customer Experience. Whereas, Home Service Club scores better on Reputation, Contractor Network, Contract & Price, Transparency, and Coverage Options. Both companies score similarly on Additional Benefits.


Customer Comments & Reviews

sebastian6175
10/7/2022
Home Service Club Home Warranty review
It's not bad . Most people just break there own shit and expect the warranty company to get them a new one. Entitlement!!!!!!!!! is all I have to say


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.


A
Aman
2/8/2021
Home Service Club Home Warranty review
Since my review the company has reached out and worked with me to resolve the issues.


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.


J
Jessica W
3/3/2016
Home Service Club Home Warranty review
Had a fine experience with this company recently when we had an emergency plumbing issue. pipes tend to freeze here in PA and after going through that ordeal and thinking all is done, our faucet and shower cartridges start leaking. Thankfully this was a much easier and cheaper process, the Home Service Club sent out their plumber as we did not want to use the one we hired before, he replaced both and all works fine now. I wish they offered auto warranties I would sign everything up here.

David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com

K
Ksenia
2/25/2016
Home Service Club Home Warranty review
We have been with The Home Service Club for a little over two years now and have had a couple of minuscule claims. All went well as they should have and we never had any complaints and never left any reviews. We, just recently, finished our first what I would call major claim. Heating stopped working and the house got cold quickly. It was one of those things which make you instantly nervous. But that was short lived. We were given a technician who came to the house right way and was exceptionally polite and confident in his abilities. A total of less than a couple of hours and a few trips back and forth to his truck, he replaced a few parts and everything was running again. He showed my husband what the problems were and left his business card for future maintenance work which we will be happy to hire him for. It has been a few days now and not a worry so far. We were notified by The Home Service Club to learn that the major repair was authorized and we were only responsible for our deductible just like on the previous smaller claims. We are both pleased with this as we were with the previous ones and it deserves taking a few minutes to write this feedback. You can call us satisfied customers.

David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com