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  3. AFC Home Warranty vs. TotalProtect

Compare AFC Home Warranty vs. TotalProtect Home Warranties

What’s the difference between AFC Home Warranty and TotalProtect Home Warranty? 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
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TotalProtect Home Warranty
2.6 / 5 - Average
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vs

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
  • 30-day money back guarantee
  • 6-month guarantee on covered repairs
  • 24/7 support team
  • 3 home warranty plans to choose from
  • 40,000 pre-screened service technicians
  • Save $100 when you sign up by phone, choose a Combo Plan, and pay your annual premium at time of purchase (not valid in all states; call to see if you qualify)
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OVERALL RATINGS

 AFC Home WarrantyTotalProtect
Transparency3.5/50.0/5
Claims Processing3.5/54.0/5
Coverage Options4.0/54.8/5
Additional Benefits4.0/50.0/5
Customer Experience4.5/54.3/5

Coverage

Key Facts

 AFC Home WarrantyTotalProtect
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
Typical Systems Benefit Limit
$2,000
$1,000

Specialty Items and Additional Coverage

Coverage Details

Covered Built-In Systems

AFC Home Warranty
vs
TotalProtect
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Sump Pump

Covered Appliances

AFC Home Warranty
vs
TotalProtect
  • 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
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4 More
  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Built-In Trash Compactors
  • Garage Door Openers
  • Garbage Disposal

Exclusions

For a full list of AFC Home Warranty exclusions, check out https://asana-user-private-us-east-1.s3.amazonaws.com/assets/524480427840193/1123293899722746/ae7ae82f68d57bfa899ff7ff2d9b7263?AWSAccessKeyId=ASIAV34L4ZY4DGHAIQR6&Expires=1558710592&Signature=Oi4Xs6il2jE8qjol2p47AuCePb8%3D&x-amz-security-token=AgoJb3JpZ2luX2VjEM%2F%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FwEaCXVzLWVhc3QtMSJHMEUCIQCGaf6kMoEt8jLKrNMv7240xS2crBZBCsYTlFAdGb9LHQIgVvQRqcb7moIf5GIlHGZDvGGHNo9Ob90J2SB2A8FXSMcq4wMI2P%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FARAAGgw0MDM0ODM0NDY4NDAiDLswq9KUcOVrlqMKsCq3A6C4topvTu2MI%2BNbgr6O1VWzhlQAo0Obs1moJyrD0%2BGsBG67StmBM4D2rKrGwsD7lb7g4CPiz%2B3k6fw7ukAe%2F1kf2nO1U6OJqnm%2Fvmen8NzTowi7lJbGDSaJwm4oWXF4vGLptqfqgIQ%2B28gt7dBBjubjPeW2iiUgtG%2FpywQk3ftuU%2BMHp0R%2FxFSFcQ7cvGXIZaCjiTaXmuMRMmBkrJRCu2a5fIUGrRTYStq93Y1ToaHmOkWaeyf2hKft%2FmAuSpWLDLs2a2YwoWPA2YB3JlPy4heC22EJcGjclWDH%2FH41l1xA6OUe%2FSwYnfFk6gkE0JuWA27shiIDzOBtKRdG5cX5PGPg%2Fk0GPQrDajbWwYKoEVp3P0vcq%2FzD%2FtHIYwKAbU1I0fllZGnDQXYvXIQw0TKwD9Mc7CzUE64tJ0lBfl%2FrQGcfK3wO7BnjdOCB3LlKaHZv4FMtC7cnreTdoXg5DsRosXb%2FbdXsJNjsdkqchPGBCzXR50rr6yEjeCwbasWlspNj84jxz76tCJar%2Bbg9G%2BP%2BxH6naSr02W1UvnxijZc0lFW%2BvAZkMxnXgzZ2qr6B5AtjD%2FvxlARzWU4wlYOg5wU6tAEG7OoU%2F%2FoEHlid%2FKlUuTU4A8uRYVXLwObFGhlu6oMNXJYZNexpgzYU8daXMbqyz1WcFIBFiYfrsEkKJER33Teb6DxmZsQ8LcgTKSKxliO4asDjUjz%2Fwmq2jfPhg7PYf5wa%2F0OMKitl1dDs2HRPL9nNFKPlDkpgj2sLCPQMzXUY3gDznhcPgDlwBoQ%2BbX7ZgLtrBvxUkHpOFZ5PCAcGlapgRQ6s6zialFTcXOEew0CZjxCPYEg%3D#_=_
AFC Home Warranty
vs
TotalProtect
  • Pool/Spa

Contract & Price

Contract Details

 AFC Home WarrantyTotalProtect
Annual Premium
Starting at $395
Starting at $230
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

TotalProtect provides a sample contract for potential customers on its website: https://www.totalprotect.com/documents/30310/31524/3X3_DTC_HOMEWRNTY_MPP08_07-14.pdf/dac2bb39-ff83-46fa-89c3-0f2c119c812d

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.
1. You may void this Agreement within 30 days of the coverage effective date for a full refund of the contract fees paid if no claim has been made. The right to void this Agreement as provided in this paragraph is not transferable. A ten percent penalty per month will be added to any refund required under this paragraph, including any accrued penalties, that is not paid or credited within 30 days after termination of this Agreement pursuant to this paragraph. 2. You may cancel this Agreement within 30 days of the coverage effective date if a claim has been made, or at any time thereafter, at which time you may be entitled to a refund of unearned contract fees paid based on the short rate schedule less a processing fee of twenty-five dollars ($25) and less the cost of any services performed pursuant to the Agreement, where permitted by law. If the refund calculation results in you owing us payment for services provided, we may bill you for the lesser of the net amount due to us or the unpaid annual term contract fee. We will bill or charge you any balance owed to us through the same mechanism as any previous installment billings, or we will direct bill you if such a mechanism is not available. 3. We may terminate this Agreement immediately, after any applicable notice provisions, for non-payment, fraud or material misrepresentation. If we terminate for fraud or material misrepresentation, this Agreement is void and we shall refund all paid contract fees if no claims have been made. If a claim has been made, we will follow normal cancellation procedures as outlined in this section.

Claims & Service

Claims

 AFC Home WarrantyTotalProtect
Service Fee
Service fee is dictated per your Declaration Page
$75, $125
Maintenance Records Required for Service?
Yes
24/7 Claims Department?
Waiting Period
30 days
30 days

Contractors & Service

 AFC Home WarrantyTotalProtect
Contractor Selection
Any Contractor
In-Network Only

Reputation Compared

Company Details

 AFC Home WarrantyTotalProtect
Year Founded
2009
1979
NHSCA Membership
BBB Rating
B
B
BBB Positive Reviews
31
BBB Neutral Reviews
0
BBB Negative Reviews
22
Date Collected
2017-07-26

Contact & Additional Information

 AFC Home WarrantyTotalProtect
Homepage URL
https://afchomeclub.com/
https://www.totalprotect.com/
Company Phone
(866) 242-0629
(866) 607-9674
Headquarters Address
1343 Canton Rd, Marietta, GA, 30066
1625 NW 136th Ave, Sunrise, FL, 33323
Mailing Address
1343 Canton Rd, Marietta, GA, 30066
1625 NW 136th Ave, Sunrise, FL, 33323
Year Founded
2009
1979

Final Verdict

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

Customer Comments & Reviews

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.

Tom C
4/17/2017
TotalProtect Home Warranty review
they covered my Ac system paying for a new unit. It was not easy as I would have liked but they covered a 5k expense . The co pay for repairs was 85 so you were not fast to call on something you could fix yourself. When they were called they did respond and had great tech who did a good job. I would even say the tech were outstanding not trying to sell up service. etc...My only complaint was cost of coverage and the cost of co pay. after experience another service I got a idea of value.

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.

William M
7/16/2016
TotalProtect Home Warranty review
We had a refrigerator problem in our home in North Carolina, we live in New York but luckily our daughter lives around the corner. We went online to put in our claim and within minutes received a call back with a claim number and setup to GE repair through Sears. They came and fixed it on the days we needed and the time we wanted so she could be there and get to work on time. The whole process was so professional and devoid of problems that could have been an issue was handled smoothly. TotalProtect even called back to see if everything was repaired and if we needed any further assistance. We highly recommend this program to protect all your appliances worry free.

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.

Rae M
3/23/2016
TotalProtect Home Warranty review
I've had pretty good experience with the company. I find that a lot of the companies in their database are very small and often not the best. One strong exception is a plumbing company I've used through Total Protect. They're excellent but I have to fight to get work assigned to them since the want to "rotate " among some losers in their database. I had a terrible experience regarding clothes dryer and finally gave up and bought a new dryer at my total expense. That is NOT the way this is supposed to work. I may change to AHS if things continue badly.

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Select Home Warranty
4.9 / 5 - Excellent
#1 in Home Warranties
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