This America’s First Choice Home Club review is based on comprehensive research of the company and client reviews. All the data for this research were collected on the company’s website as well as consumer reports. The review includes detailed information on home warranty plans, pricing, and coverage.

Parameter Score Explanation
Coverage 95 AFC Home Club offers coverage for most home systems and electric appliances. Additional coverage for pools, spas, well pump, and other household systems and appliances is available.
Policy 95 It was easy to find and understand company's terms and conditions. All prices and time limits are stated clearly.
Plan variety 95 There are three coverage plans: Bronze care for water heater, A/C and heating system, Silver plan for appliances, and Gold Care for everything. Additional items can be included to any plan under Optional Coverage.
Cost 95 The pricing starts with $350 per year for Bronze plan. Optional coverage pricing per item is speicfically tailored to the home applianaces you own. Service call fees apply.
Reviews 85 There are almost 300 AFC Home Club reviews available on 12 consumer report sites. Ratings range from 1 to 4.5. BBB rating is B
Credibility 95 With almost 10 years on the home warranty market, the company has established a solid reputation and good credibility.

Company Credibility Review

America’s 1st Choice Home Club, also known as CRAST, was established in 2009 in Marietta, GA. Despite the fact that the company has been on the market for less than 10 years, it has already gained good reputation and credibility among customers. The company provides services in all states, except Florida, South Carolina, Hawaii, or Alaska.

The company is accredited by Consumer Advocate, Consumer Affairs, Better Business Bureau, and other consumer report agencies. AFC Home Club BBB rating is B with 65% positive reviews and a composite score of 3.65 out of 5 stars based on 46 customer reviews. These are very good results for any home warranty company, and especially for a young one.
Ownership
Est. 2009
CEO Mr. John B. Craddock
Registered in Marietta, GA 30066-6054, USA
Available for states All
Mailing Address 1337 Canton Rd STE B
How to approach Contact Now
BBB Accreditation B
Chamber of Business America's 1st Choice Home Club is listed by the chamber of business and the FTC

America's 1st Choice Home Club Company Reviews by Clients

AFC Home Club reviews were collected from six consumer report sites, including Yelp, Consumer Affairs, and Better Business Bureau. All sites are listed in the table below. All the feedback is linked to the original source.

Overall, we found almost 300 reviews, with major part of them published on Consumer Affairs site. The company’s rating ranged from 1 on Yelp based on 33 reviews to 4.5 on Consumer Advocate based on 36 reviews. Negative reports mentioned poor customer service, while happy customers were happy with quick and professional contractor services.
Website Numbers of reviews Avg Score (out of 5)
Yelp 33 1
Ripoff Report 4 n/a
Consumer Affairs 139 4
Home Warranty Company Reviews 16 4
Consumers Advocate 36 4.5
Better Business Bureau (BBB) 44 3.66

Coverage

We have carefully read the AFC Home Club contracts and summarized all the relevant information in the table below.

Air Conditioning and Heating System

AFC Home Club provides coverage for A/C and heating systems under Bronze and Gold plans. The coverage is limited to one unit up to 5 ton capacity that was designed for residential use. For the detailed list of covered and not covered parts please refer to the table below. The company will pay up to $25 per pound of refrigerant, 10 pounds maximum. In case the unit is over 10 years old, the company will use depreciation schedule if the cost of repairs outweigh the value of the unit.

Plumbing System

Plumbing system coverage is available under Gold plan only. The company covers all visible interior leaks and breaks if water supply pipes, drain, vent and waste lines. Piping failure that includes collapsed piping or damage from extreme weather or roots is not covered by AFC. Maximum coverage is limited at $500.00 per membership term.

Electrical System

All interior wiring, fuse box, circuit board and circuit breakers are covered by AFC Gold plan for the amount up to $500 per membership term. Any fixtures, switches, outlets, appliance cables or smart home equipment are not covered.

Home Appliances

AFC Home Club Gold and Silver plans cover all major appliances, including washer and dryer, kitchen refrigerator, oven, range, cooktop, dishwasher, garbage disposal, and garage door opener. Water heater, either gas or electric, is covered by all three plans.

Covered by AFC

  • (One unit) Gas Valve
  • Main Burner
  • Pilot Burner
  • Thermocouple
  • Regulator
  • Standard Thermostat
  • High Limit Thermostat
  • Manifold
  • Electrical Heating Element
  • Spark Electrode
  • Igniter
  • Pilot
  • Heating Element
  • Switch
  • Gas Burner
  • Anode Rod
  • Overload Protector
  • Flame Sensor
  • Gas Valve Assembly
  • Temperature
  • Regulator
  • Dip Tube
  • Drain Valve
  • Air Diverter
  • Relay
  • Flow Sensor

Not covered by AFC

  • Main, Holding or storage tanks
  • Noise
  • Fuel storage tank and energy conservation unit
  • Commercial grade equipment and units exceeding 75 gallons
  • Tankless water heaters unless separately added to plan at time of purchase

Limits

*CRAST will pay up to $750.00 per membership terms

$750

Limited to one unit. Coverage available on air conditioning units up to a 5 ton capacity and designed for residential use.


Covered by AFC

  • Electric Units below 21 SEER
  • Condenser
  • Defrost heating element
  • Standard Thermostat
  • Fuse
  • Relay
  • Transformer
  • Blower Motor
  • Compressor
  • Capacitor
  • Dual Capacitor
  • Semi Conductors
  • Control Unit
  • Hot Coil
  • Cold Coil
  • Timer-Fan Control
  • Bearings
  • Fluid Pump
  • Electrodes
  • Electronic Circuits
  • Rectifiers

Not covered by AFC

  • Gas air conditioning systems
  • Condenser casings
  • Registers and Grills
  • Filters
  • Electronic air cleaners
  • Window units
  • Non-ducted wall units
  • Water towers
  • Humidifiers
  • Improperly sized units
  • Chillers
  • All exterior condensing, cooling and pump pads
  • Roof mounts, jacks, stands or supports
  • Condensate pumps
  • Cost for crane rentals
  • Air conditioning with mismatched condensing unit and evaporative coil
  • - Improper use of metering devices
  • Thermal expansion valves
  • Refrigerant conversion
  • Leak detections
  • Water leaks
  • Drain line stoppages
  • Maintenance
  • Recapturing of Freon
  • Noise.

Notes

CRAST will pay up to $25 per pound for refrigerant, Maximum limit 10 pounds limited to a one-time occurrence. Members are responsible for payment of any costs more than $25 per pound.

Standard Thermostat shall not exceed cost of $80.00

Per EPA standards Freon (R-22) will become obsolete circa January 1, 2020. When Freon (R-22) is phased out, it will be the member’s responsibility to upgrade all equipment to federal or state code to be covered. On Jan. 1, 2020, The R22 phase out mandates that R22 refrigerant will no longer be manufactured. At this point CRAST will only include coverage for equipment which utilizes environmentally friendly R410A refrigerant

Limited to one unit. Main source of heat to home up to 5 (five) ton capacity and designed for residential use.


Covered by AFC

  • Electric Units below 21 SEER
  • Power Switch
  • Wire Terminal
  • Independent Solenoid
  • Junction Box
  • Thermostat control
  • Pilot and Thermocouple
  • Drain Cock
  • Burners
  • Main Bruner
  • Limit Control
  • Pilot Burner
  • Flame Spreader
  • Regulator
  • Standard Thermostat
  • Manifold Fuse
  • Transformer
  • Relay
  • Igniter
  • Sensor
  • Blower Motor
  • Power Pack
  • Bearings
  • Pulleys
  • Fan Control
  • Low Water Cut off
  • Coupler
  • Motor
  • Pressure Gauge
  • Pressure Control
  • Heat Coil

Not covered by AFC

  • External Boiler Components
  • All components and parts relating to geothermal, water source heat pumps including: outside or underground piping, components for geothermal and/or water source heat pumps, redrilling of wells for geothermal and/or water source heat pumps, and well pump and well pump components for geothermal and/or water source heat pumps.
  • Access
  • Radiators or valves
  • Baseboard casings
  • Radiant heating – Cracked heat exchangers
  • Dampers
  • Valves
  • Fuel storage tanks
  • Portable units
  • Solar heating systems
  • Filters
  • Line dryers and filters
  • Oil filters, nozzles, or strainers
  • Registers
  • Backflow preventers
  • Evaporator coil pan
  • Primary or secondary drain pans
  • Grills
  • Clocks
  • Timers
  • Add-ons for zoned systems
  • Heat lamps
  • Humidifiers
  • Flues and vents
  • Improperly sized heating systems
  • Mismatched systems Cable heat (in ceiling)
  • Calcium build-up
  • Maintenance
  • If the unit is over 10 years old CRAST will use the depreciation schedule, if the repairs outweigh the value of the unit

Limits

Standard Thermostat shall not exceed cost of $80.00

$80

Covered by AFC

  • Main Control Board
  • Thermal Fuse
  • Drum Glide
  • Gas Valve Solenoid
  • Pilot burner
  • Heating Element
  • Heating Element Assembly
  • Bearing
  • Cycling Thermostat
  • Timer
  • Drum Support Axle
  • Drum Bearing
  • Igniter
  • Drive Belt
  • Thermistor
  • Idler Pulley
  • Idler Assembly
  • High Limit Thermostat
  • Surface Limit Control
  • Power pack
  • Blower Wheel
  • Flame Sensor
  • Drive Motor
  • Rotary Switch
  • Snap Retaining Ring

Covered by AFC

  • Main Control Board
  • Motor Coupling
  • Drain Pump
  • Agitator Repair Kit
  • Spanner Wrench
  • Water Inlet Valve
  • Clutch
  • Retainer
  • Shock Dampening Device
  • Shock Absorber
  • Wigwag
  • Drive Belt
  • Suspension Spring
  • Shipping Bolt
  • Tub to Pump Hose
  • Tub Bearing
  • Idler Assembly
  • Drive Block
  • Drive Bell
  • Drain Hose
  • Mounting ClipSuspension Rod
  • Suspension Spring
  • Shift Actuator
  • Rotor Position Sensor
  • Belt Kit
  • Snubber Pad

Must be located in the kitchen


Covered by AFC

  • Main Control Board
  • Condenser
  • Motor
  • Condenser Fan Motor
  • Thermistor
  • Closing Cam
  • Electronics Circuits
  • Compressor
  • High Limit Thermostat
  • Temperature Control Thermostat
  • Temperature Sensor
  • Defrost Thermostat
  • Defrost Heater Assembly
  • Drive Motor
  • Defrost Timer
  • Evaporator Fan Motor
  • Clip
  • Snap Retaining Ring
  • Start Relay
  • Damper Control Assembly
  • Fan Blade
  • Start Device

Not covered by AFC

  • Leaks of any kind
  • Icemaker unless additional fee is paid and listed in additional coverage’s per the Declaration page

Limited to one unit


Covered by AFC

  • (One unit) Gas Valve
  • Main Burner
  • Pilot Burner
  • Thermocouple
  • Regulator
  • Standard Thermostat
  • High Limit Thermostat
  • Manifold
  • Electrical Heating Element
  • Spark Electrode
  • Igniter
  • Pilot
  • Heating Element
  • Switch
  • Gas Burner
  • Anode Rod
  • Overload Protector
  • Flame Sensor
  • Gas Valve Assembly
  • Temperature
  • Regulator
  • Dip Tube
  • Drain Valve
  • Air Diverter
  • Relay
  • Flow Sensor

Not covered by AFC

  • Main, Holding or storage tanks
  • Noise
  • Fuel storage tank and energy conservation unit
  • Commercial grade equipment and units exceeding 75 gallons
  • Tankless water heaters unless separately added to plan at time of purchase

Limits

CRAST will pay up to $750.00 per membership terms

$750

Covered by AFC

  • Bake Element
  • Element Receptacle and Wire Kit
  • Valves
  • Sensors
  • Spark Electrode
  • Surface element switch
  • Coil surface element
  • Surface Burner
  • Element Receptacle and Wire Kit
  • Oven control board
  • Temperature sensor
  • Manifold Transformer
  • Sensor
  • Diode

Not covered by AFC

  • Any failure that arises during the “Self-Cleaning” Function of your unit

Notes

Sensi-heat burners will only be replaced with standard burners. Only one oven is covered unless Double Oven addition is added on at the time of purchase, an additional fee is paid and listed in additional coverage’s per the Declaration page

Covered by AFC

  • Heating Element
  • Pump
  • Drain Valve
  • Motor Assembly
  • Timer
  • Float Switch
  • Inter Valve
  • Internal Hoses
  • Thermal Fuse
  • Washer arm bearing

Covered by AFC

  • The components and parts of entire unit.
  • Upon failure CRAST will allocate the cost of the new unit directly to the homeowner

Not covered by AFC

  • New Unit Installation
  • Problems and/or jams caused by bones, glass, misuse or foreign objects

Limits

CRAST will pay up to $125.00 per membership terms.

$125

Covered by AFC

  • 2 units
  • Garage Door Opener Motor
  • Capacitor
  • Garage door opener gear and sprocket assembly
  • Helical gear
  • Limit switch
  • Receiver logic board
  • Chain spreader

Limits

CRAST will pay up to $500.00 per membership terms

$500

Covered by AFC

  • Main Control Board
  • Thermal Fuse
  • Drum Glide
  • Gas Valve Solenoid
  • Pilot burner
  • Heating ElementHeating Element Assembly
  • Bearing
  • Cycling Thermostat
  • Timer
  • Drum Support Axle
  • Drum Bearing
  • Igniter
  • Drive Belt
  • Thermistor
  • Idler Pulley
  • Idler Assembly
  • High Limit Thermostat
  • Surface Limit Control
  • Power pack
  • Blower Wheel
  • Flame Sensor
  • Drive Motor
  • Rotary Switch
  • Snap Retaining Ring

Covered by AFC

  • Main Control Board
  • Motor Coupling
  • Drain Pump
  • Agitator Repair Kit
  • Spanner Wrench
  • Water Inlet Valve
  • Clutch
  • Retainer
  • Shock Dampening Device
  • Shock Absorber
  • Wigwag
  • Drive Belt
  • Suspension Spring
  • Shipping Bolt
  • Tub to Pump Hose
  • Tub Bearing
  • Idler Assembly
  • Drive Block
  • Drive Bell
  • Drain Hose
  • Mounting Clip
  • Suspension Rod
  • Suspension Spring
  • Shift Actuator
  • Rotor Position Sensor
  • Belt Kit
  • Snubber Pad

Must be located in the kitchen


Covered by AFC

  • Main Control Board
  • Condenser
  • Motor
  • Condenser Fan Motor
  • Thermistor
  • Closing Cam
  • Electronics Circuits
  • Compressor
  • High Limit Thermostat
  • Temperature Control Thermostat
  • Temperature Sensor
  • Defrost Thermostat
  • Defrost Heater Assembly
  • Drive Motor
  • Defrost Timer
  • Evaporator Fan Motor
  • Clip
  • Snap Retaining Ring
  • Start Relay
  • Damper Control Assembly
  • Fan Blade
  • Start Device

Not covered by AFC

  • Leaks of any kind
  • Icemaker unless additional fee is paid and listed in additional coverage’s per the Declaration page

Covered by AFC

  • (One unit) Gas Valve
  • Main Burner
  • Pilot Burner
  • Thermocouple
  • Regulator
  • Standard Thermostat
  • High Limit Thermostat
  • Manifold
  • Electrical Heating Element
  • Spark Electrode
  • Igniter
  • Pilot
  • Heating Element
  • Switch
  • Gas Burner
  • Anode Rod
  • Overload Protector
  • Flame Sensor
  • Gas Valve Assembly
  • Temperature
  • Regulator
  • Dip Tube
  • Drain Valve
  • Air Diverter
  • Relay
  • Flow Sensor

Not covered by AFC

  • Main, Holding or storage tanks – Noise – Fuel storage tank and energy conservation unit
  • Commercial grade equipment and units exceeding 75 gallons
  • Tankless water heaters unless separately added to plan at time of purchase

Limits

CRAST will pay up to $750.00 per membership terms

$750

Covered by AFC

  • Bake Element
  • Element Receptacle and Wire Kit
  • Valves
  • Sensors
  • Spark Electrode
  • Surface element switch
  • Coil surface element
  • Surface Burner
  • Element Receptacle and Wire Kit
  • Oven control board
  • Temperature sensor
  • Manifold Transformer
  • Sensor
  • Diode

Not covered by AFC

  • Any failure that arises during the “Self-Cleaning Function” of your unit

Notes

Sensi-heat burners will only be replaced with standard burners.

Only one oven is covered unless Double Oven addition is added on at the time of purchase, an additional fee is paid and listed in additional coverage’s per the Declaration page

Covered by AFC

  • Heating Element
  • Pump
  • Drain Valve
  • Motor Assembly
  • Timer
  • Float Switch
  • Inter Valve
  • Internal Hoses
  • Thermal Fuse
  • Washer arm bearing

Covered by AFC

  • The components and parts of entire unit
  • Upon failure CRAST will allocate the cost of the new unit directly to the homeowner

Not covered by AFC

  • New Unit Installation
  • Diagnosis
  • Problems and/or jams caused by bones, glass, misuse or foreign objects

Limits

CRAST will pay up to $125.00 per membership terms

$125

Covered by AFC

  • 2 units
  • Garage Door Opener Motor
  • Capacitor
  • Garage door opener gear and sprocket assembly
  • Helical gear
  • Limit switch
  • Receiver logic board
  • Chain spreader

Limits

CRAST will pay up to $500.00 per membership terms

$500

Limited to two units. Coverage available on air conditioning units up to a 5 ton capacity and designed for residential use


Covered by AFC

  • Electric Units below 21 SEER
  • Condenser
  • Defrost heating element
  • Standard Thermostat
  • Fuse
  • Relay
  • Transformer
  • Blower Motor
  • Compressor
  • Capacitor
  • Dual Capacitor
  • Semi Conductors
  • Control Unit
  • Hot Coil
  • Cold Coil
  • Timer
  • Fan Control
  • Bearings
  • Fluid Pump
  • Electrodes
  • Electronic Circuits
  • Rectifiers

Not covered by AFC

  • Gas air conditioning systems
  • Condenser casings
  • Registers and Grills
  • Filters
  • Electronic air cleaners
  • Window units
  • Non-ducted wall units
  • Water towers
  • Humidifiers
  • Improperly sized units
  • Chillers
  • All exterior condensing, cooling and pump pads
  • Roof mounts, jacks, stands or supports
  • Condensate pumps
  • Cost for crane rentals
  • Air conditioning with mismatched condensing unit and evaporative coil
  • Improper use of metering devices
  • Thermal expansion valves
  • Refrigerant conversion
  • Leak detections
  • Water leaks
  • Drain line stoppages
  • Maintenance
  • Recapturing of Freon
  • Noise

Notes

CRAST will pay up to $25 per pound for refrigerant, Maximum limit 10 pounds limited to a one-time occurrence. Members are responsible for payment of any costs more than $25 per pound

Standard Thermostat shall not exceed cost of $80.00

Per EPA standards Freon (R-22) will become obsolete circa January 1, 2020. When Freon (R-22) is phased out, it will be the members responsibility to upgrade all equipment to federal or state code to be covered. On Jan. 1, 2020, The R22 phase out mandates that R22 refrigerant will no longer be manufactured. At this point CRAST will only include coverage for equipment which utilizes environmentally friendly R410A refrigerant

Limited to two units. Main source of heat to home up to 5 (five) ton capacity and designed for residential use


Covered by AFC

  • Units below 21 SEER Units
  • Forced air, Ducted Built in heater, Heat pumps,Boiler (Gas or Steam)
  • Power Switch
  • Wire Terminal
  • Independent Solenoid
  • Junction Box
  • Thermostat control
  • Pilot and Thermocouple
  • Drain Cock
  • Burners
  • Main Bruner
  • Limit Control
  • Pilot Burner
  • Flame Spreader
  • Regulator
  • Standard Thermostat
  • Manifold
  • Fuse
  • Transformer
  • Relay
  • Igniter
  • Sensor
  • Blower Motor
  • Power Pack
  • Bearings
  • Pulleys
  • Fan Control
  • Low Water Cut off
  • Coupler
  • Motor
  • Pressure Gauge
  • Pressure Control
  • Heat Coil

Not covered by AFC

  • External Boiler Components
  • All components and parts relating to geothermal, water source heat pumps including: outside or underground piping, components for geothermal and/or water source heat pumps, redrilling of wells for geothermal and/or water source heat pumps, and well pump and well pump components for geothermal and/or water source heat pumps.
  • Access
  • Radiators or valves
  • Baseboard casings
  • Radiant heating
  • Cracked heat exchangers
  • Dampers
  • Valves
  • Fuel storage tanks
  • Portable units
  • Solar heating systems
  • Filters
  • Line dryers and filters
  • Oil filters, nozzles, or strainers
  • Registers
  • Backflow preventers
  • Evaporator coil pan
  • Primary or secondary drain pans
  • Grills
  • Clocks
  • Timers
  • Add-ons for zoned systems
  • Heat lamps
  • Humidifiers
  • Flues and vents
  • Improperly sized heating systems
  • Mismatched systems Cable heat (in ceiling)
  • Calcium build-up
  • Maintenance.
  • If the unit is over 10 years old CRAST will use the depreciation schedule, if the repairs outweigh the value of the unit.

Limits

Standard Thermostat shall not exceed cost of $80.00

$80

Covered by AFC

  • Interior Wiring
  • Fuse Box
  • Circuit Board
  • Circuit Breakers

Not covered by AFC

  • Audio/video/computer/intercom/alarm or security wiring cable – circuit overload
  • Broken and/or severed wires
  • Fixtures
  • Switches
  • Outlets
  • Wire Tracing
  • Smart Home Equipment or Wiring

Limits

CRAST will pay up to $500.00 per membership terms

$500

Covered by AFC

  • Visible interior leaks and breaks of water supply pipes, drain, vent and waste lines
  • Dishwasher supply line
  • Toilet Tanks
  • Bowls (replaced with white builder's grade as necessary)
  • Shut off valves
  • Toilet Wax Ring Seals
  • Flush Valve
  • Refill Tube
  • Ballcock
  • Flapper
  • Fill Valve
  • Overflow Tube
  • Tub valve, and diverter angle stops
  • Rinse and Gate Valves, Hose Bibs
  • P Traps

Not covered by AFC

  • Piping failure which includes collapsed piping, freezing or damage from roots
  • Slab leaks
  • Polybutylene or Quest piping
  • Galvanized drain lines
  • Drum traps
  • Flange
  • Filters for faucets
  • Fixtures
  • Cartridges
  • Shower heads & shower arms
  • Popup assemblies
  • Bathtubs and showers
  • Glass
  • Shower enclosures and base pans
  • Bath tubs
  • Sinks
  • Toilet lids and seats
  • Cracks
  • Cabling or grouting
  • Whirlpool jets
  • Whirlpool control panel
  • Water softeners
  • Pressure regulators
  • Inadequate or excessive water pressure.
  • Pipes which have failed due to excessive age

Limits

CRAST will pay up to $500.00 per membership terms

$500

Notes

CRAST will provide access to plumbing systems through unobstructed walls, ceilings or floors, only, and will return the access opening to rough finish condition up to $250.00. CRAST shall not be responsible for payment of the cost to remove and replace any built-in appliances, cabinets, floor coverings or other obstructions impeding access to walls, ceilings, and/or floors

Covered by AFC

  • All standard ductwork through the residence
  • Attachments to HVAC units

Not covered by AFC

  • Ductwork exposed to outside elements
  • Improperly sized ductwork
  • Separation due to settlement and/or lack of support
  • Cleaning

Limits

CRAST will pay up to $250 per membership terms

$250

Covered by AFC

  • Wiring located in the walls to main service

Covered by AFC

  • (One unit) Gas Valve
  • Main Burner
  • Pilot Burner
  • Thermocouple
  • Regulator
  • Standard Thermostat
  • High Limit Thermostat
  • Manifold
  • Electrical Heating Element
  • Spark Electrode
  • Igniter
  • Pilot
  • Heating Element
  • Switch
  • Gas Burner
  • Anode Rod
  • Overload Protector
  • Flame Sensor
  • Gas Valve Assembly
  • Temperature
  • Regulator
  • Dip Tube
  • Drain Valve
  • Air Diverter
  • Relay
  • Flow Sensor

Limited to two units. Coverage available on air conditioning units up to a 5 ton capacity and designed for residential use


Covered by AFC

  • Electric Units below 21 SEER
  • Condenser
  • Defrost heating element
  • Standard Thermostat
  • Fuse
  • Relay
  • Transformer
  • Blower Motor
  • Compressor
  • Capacitor
  • Dual Capacitor
  • Semi Conductors
  • Control Unit
  • Hot Coil
  • Cold Coil
  • Timer
  • Fan Control
  • Bearings
  • Fluid Pump
  • Electrodes
  • Electronic Circuits
  • Rectifiers

Not covered by AFC

  • Gas air conditioning systems
  • Condenser casings
  • Registers and Grills
  • Filters
  • Electronic air cleaners
  • Window units
  • Non-ducted wall units
  • Water towers
  • Humidifiers
  • Improperly sized units
  • Chillers
  • All exterior condensing, cooling and pump pads
  • Roof mounts, jacks, stands or supports
  • Condensate pumps
  • Cost for crane rentals
  • Air conditioning with mismatched condensing unit and evaporative coil
  • Improper use of metering devices
  • Thermal expansion valves
  • Refrigerant conversion
  • Leak detections
  • Water leaks
  • Drain line stoppages
  • Maintenance
  • Recapturing of Freon
  • Noise

Notes

CRAST will pay up to $25 per pound for refrigerant, Maximum limit 10 pounds limited to a one-time occurrence. Members are responsible for payment of any costs more than $25 per pound.

Standard Thermostat shall not exceed cost of $80.00

Per EPA standards Freon (R-22) will become obsolete circa January 1, 2020. When Freon (R-22) is phased out, it will be the members responsibility to upgrade all equipment to federal or state code for it to be covered. On Jan. 1, 2020, The R22 phase out mandates that R22 refrigerant will no longer be manufactured. At this point CRAST will only include coverage for equipment which utilizes environmentally friendly R410A refrigerant

Limited to two units. Main source of heat to home up to 5 (five) ton capacity and designed for residential use


Covered by AFC

  • Units below 21 SEER Units
  • Forced air, Ducted Built-in-heater, Heat pumps, Boiler (Gas or Steam).
  • Power Switch
  • Wire Terminal
  • Independent Solenoid
  • Junction Box
  • Thermostat control
  • Pilot and Thermocouple
  • Drain Cock
  • Burners
  • Main Bruner
  • Limit Control
  • Pilot Burner
  • Flame Spreader
  • Regulator
  • Standard Thermostat
  • Manifold
  • Fuse
  • Transformer
  • Relay
  • Igniter
  • Sensor
  • Blower Motor
  • Power Pack
  • Bearings
  • Pulleys
  • Fan Control
  • Low Water Cut off
  • Coupler
  • Motor
  • Pressure Gauge
  • Pressure Control
  • Heat Coil

Not covered by AFC

  • External Boiler Components
  • All components and parts relating to geothermal, water source heat pumps including: outside or underground piping, components for geothermal and/or water source heat pumps, redrilling of wells for geothermal and/or water source heat pumps, and well pump and well pump components for geothermal and/or water source heat pumps.
  • Access
  • Radiators or valves
  • Baseboard casings
  • Radiant heating
  • Cracked heat exchangers
  • Dampers
  • Valves
  • Fuel storage tanks
  • Portable units
  • Solar heating systems
  • Filters
  • Line dryers and filters
  • Oil filters, nozzles, or strainers
  • Registers
  • Backflow preventers
  • Evaporator coil pan
  • Primary or secondary drain pans
  • Grills
  • Clocks
  • Timers
  • Add-ons for zoned systems
  • Heat lamps
  • Humidifiers
  • Flues and vents
  • Improperly sized heating systems
  • Mismatched systems Cable heat (in ceiling)
  • Calcium build-up
  • Maintenance.
  • If the unit is over 10 years old CRAST will use the depreciation schedule, if the repairs outweigh the value of the unit

Limits

Standard Thermostat shall not exceed cost of $80.00

$80

Covered by AFC

  • Interior Wiring
  • Fuse Box
  • Circuit Board
  • Circuit Breakers

Not covered by AFC

  • Audio/video/computer/intercom/alarm or security wiring cable – circuit overload
  • Broken and/or severed wires
  • Fixtures
  • Switches
  • Outlets
  • Wire Tracing
  • Smart Home Equipment or Wiring

Limits

CRAST will pay up to $500.00 per membership terms

$500

Covered by AFC

  • Visible interior leaks and breaks of water supply pipes, drain, vent and waste lines
  • Dishwasher supply line
  • Toilet Tanks
  • Bowls (replaced with white builder's grade as necessary)
  • Shut off valves
  • Toilet Wax Ring Seals
  • Flush Valve
  • Refill Tube
  • Ballcock
  • Flapper
  • Fill Valve
  • Overflow Tube
  • Tub valve, and diverter angle stops
  • Rinse and Gate Valves, Hose Bibs
  • P Traps

Not covered by AFC

  • Piping failure which includes collapsed piping, freezing or damage from roots
  • Slab leaks
  • Polybutylene or Quest piping
  • Galvanized drain lines
  • Drum traps
  • Flange
  • Filters for faucets
  • Fixtures
  • Cartridges
  • Shower heads & shower arms
  • Popup assemblies
  • Bathtubs and showers
  • Glass
  • Shower enclosures and base pans
  • Bath tubs
  • Sinks
  • Toilet lids and seats
  • Cabling or grouting
  • Whirlpool jets
  • Whirlpool control panel
  • Water softeners
  • Pressure regulators
  • Inadequate or excessive water pressure.
  • Pipes which have failed due to excessive age

Limits

CRAST will pay up to $500.00 per membership terms

$500

Notes

CRAST will provide access to plumbing systems through unobstructed walls, ceilings or floors, only, and will return the access opening to rough finish condition up to $250.00. CRAST shall not be responsible for payment of the cost to remove and replace any built-in appliances, cabinets, floor coverings or other obstructions impeding access to walls, ceilings, and/or floors.

Covered by AFC

  • All standard ductwork through the residence.
  • Attachments to HVAC units

Not covered by AFC

  • Ductwork exposed to outside elements
  • Improperly sized ductwork
  • Separation due to settlement and/or lack of support
  • Cleaning

Limits

CRAST will pay up to $250.00 per membership terms

$250

Covered by AFC

  • Unobstructed access to stoppage up to 75 ft from the access point, via snaking system i.e. sewer drain snake

Not covered by AFC

  • Septic Systems
  • Costs to locate or access cleanout not found or accessible, or costs with installing cleanouts, Stoppage caused by frozen piping, collapsed piping roots or foreign objects even within the homes foundation

Notes

CRAST will pay up to $200.00 per membership terms

Stoppage clear out will be subject to a $60.00 Diagnostic fee per service request, cleanout cannot be guaranteed

Covered by AFC

  • All components and parts

Not covered by AFC

  • Doors
  • Seals
  • Hinges
  • Handles
  • Door glass
  • Lights
  • Interior linings
  • Trays
  • Clocks
  • Shelves
  • Portable or counter top units
  • Meat probe assemblies
  • Rotisseries

Notes

CRAST will pay up to $500.00 per membership terms, an additional diagnostic fee will be applied if removal of the unit is necessary for complete diagnosis or age verification

Covered by AFC

  • All components and parts which affect the primary function of the ice maker

Not covered by AFC

  • Dispenser
  • Ice Crusher
  • Removable Parts
  • Water Lines
  • Leaks
  • Filters
  • Interior thermal shelves/Insulation

Limits

CRAST will pay up to $200.00 per membership terms

$200

Shared Equipment is covered. If equipment is not shared, then only one of the two is covered unless an additional fee is paid.


Covered by AFC

  • Coverage applies to in-ground, accessible working components and parts of the pumping and filtration system as follows:
  • Pool Pump
  • Motor
  • Filter timer
  • Gaskets
  • Blower
  • Timer
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves
  • Relays and switches
  • Pool sweep motor and pump
  • Above ground plumbing pipes and wiring

Not covered by AFC

  • Heater
  • Filters
  • Salt water filtration/osmosis, Salt water components
  • Control panels and electronic boards
  • Lights
  • Liners
  • Maintenance
  • Cracked housing
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains, waterfalls and their pumping systems

Limits

CRAST will pay up to $500.00 per membership terms

$500

Covered by AFC

  • Pump
  • Drive Coupling and Cap
  • Air Volume Control
  • Flow Kit Control
  • Foot Valves
  • Torque Arrestor

Not covered by AFC

  • Holding or storage tanks
  • Digging
  • Locating pump
  • Pump retrieval
  • Redrilling of wells
  • Well casings
  • Pressure tanks
  • Pressure switches and gauges
  • Check valve
  • Relief valve
  • Drop pipe
  • Piping or electrical lines leading to or connecting pressure tank and main dwelling including wiring from control box to the pump
  • Booster pumps
  • Well pump and well pump components for geothermal and/or water source heat pumps

Limits

CRAST will pay up to $500.00 per membership terms

$500

Covered by AFC

  • Permanently installed sump pump for ground water, within the foundation of the home or attached garage

Not covered by AFC

  • Gray Water
  • Sewerage ejector pumps
  • Portable pumps
  • Backflow preventers
  • Check valves
  • Piping modifications for new installs

Limits

CRAST will pay up to $500.00 per membership terms

$500

Covered by AFC

  • All mechanical system components and parts

Not covered by AFC

  • Ductwork
  • Hoses
  • Access and Closing to floors, walls, and ceiling when locating or repairing a malfunction
  • Blockages
  • Accessories

Limits

CRAST will pay up to $200.00 per membership terms

$200

Covered by AFC

  • All parts and components that affect the operation of the unit

Not covered by AFC

  • Ice-makers, crushers, dispensers and related equipment
  • Internal shell
  • Racks
  • Shelves
  • Glass displays
  • Lights
  • Knobs and caps
  • Dials
  • Door seals and gaskets
  • Door hinges
  • Door handles
  • Condensation pans
  • Clogged drains and clogged lines
  • Grates
  • Food spoilage
  • Freon
  • Disposal and recapture of Freon

Limits

CRAST will pay up to $500.00 per membership terms

$500

Covered by AFC

  • Main Control Board
  • Condenser
  • Motor
  • Condenser Fan Motor
  • Thermistor
  • Closing Cam
  • Electronics Circuits
  • Compressor
  • High Limit Thermostat
  • Temperature Control Thermostat
  • Temperature Sensor
  • Defrost Thermostat
  • Defrost Heater Assembly
  • Drive Motor
  • Defrost Timer
  • Evaporator Fan Motor
  • Clip
  • Snap Retaining Ring
  • Start Relay
  • Damper Control Assembly
  • Fan Blade
  • Start Device

Not covered by AFC

  • Icemaker unless additional fee is paid and listed in additional coverage’s per the Declaration page.

Limits

CRAST will pay up to $500.00 per membership terms

$500

Covered by AFC

  • Sewage ejector pump
  • Jet pump
  • Aerobic pump
  • Septic tank and line from house

Not covered by AFC

  • Leach lines
  • Field lines
  • Lateral lines
  • Tile fields and leach beds
  • Insufficient capacity
  • Clean out
  • Pumping

Limits

CRAST will pay up to $500.00 per membership terms

$500

Covered by AFC

  • All components and parts which affect the primary function of the ice maker

Not covered by AFC

  • Dispenser
  • Ice Crusher
  • Removable Parts
  • Water Lines
  • Leaks
  • Filters
  • Interior thermal shelves/Insulation

Limits

CRAST will pay up to $200.00 per membership terms

$200

Covered by AFC

  • Unobstructed access to stoppage up to 75 ft from the access point, via snaking system i.e. sewer drain snake

Not covered by AFC

  • Costs to locate or access cleanout not found or accessible, or costs with installing cleanouts, Stoppage caused by frozen piping, collapsed piping roots or foreign objects even within the homes foundation.
  • Septic Systems

Limits

CRAST will pay up to $200.00 per membership terms

$200

0

Stoppage clear out will be subject to a $60.00 diagnostic fee per service request, cleanout cannot be guaranteed

Covered by AFC

  • All components and parts

Not covered by AFC

  • Leaks or breaks of any kind
  • Rust
  • Mold
  • Corrosion

Limits

CRAST will pay up to $200.00 per membership terms

$200

Covered by AFC

  • Heat Exchanger
  • Computer Boards
  • Sensors

Not covered by AFC

  • Timeliness of hot water
  • Thermostat
  • Insufficient sized unit for home
  • Piping
  • Valves (gas only)
  • Maintenance

Limits

CRAST will pay up to $750.00 per membership terms

$750

Covered by AFC

  • All components and parts

Not covered by AFC

  • Doors
  • Seals
  • Hinges
  • Handles
  • Door glass
  • Lights
  • Interior linings
  • Trays
  • Clocks
  • Shelves
  • Portable or counter top units
  • Meat probe assemblies
  • Rotisseries

Limits

CRAST will pay up to $500.00 per membership terms, an additional diagnostic fee will be applied if removal of the unit is necessary for complete diagnosis or age verification

$750


Plans and Costs

America's 1st Choice Home Club offers a variety of plans that would fit the needs of any homeowner, home seller or home buyer. Choosing the right plan is important for the homeowner who needs to decide which parts of the home should be covered, and how much to pay for it.

The cheapest plan at AFC home club is only $350 per year, which is less than $30 per month. It includes gas or electric water heater, air conditioning, heating system or build-in wall unit. Silver plan is $450 per year, and it covers home appliances only. The best plan that covers most home appliances and home systems will cost homeowners $550 per year. Additionally, the homeowners can add coverage for pool and spa, central vacuum, sump pump, septic system, and other systems and appliances. All optional items are priced a la carte and can be added to any plan.

The coverage starts on the 31st day upon the policy’s sale date and continues through the time selected by the client. The contract will be renewed automatically unless cancelled. For every service call, there is a $60 fee regardless of the plan. As soon as the service request is placed, the company pledges to contact the authorized contractors within 48 hours during normal business hours or 4 days on weekends and holidays. Then the contractor will contact the customer to set an appointment at a time that is mutually convenient during normal business hours.
Plans Cost Best For
Plan 1: Gold plan
Includes: Clothes Dryer, Clothes Washer, Kitchen Refrigerator, Water Heater (Gas and/or Electric), Oven, Range, Stove/Cooktop, Dishwasher, Garbage Disposal, Garage Door Opener, Air Conditioning/Cooler, Heating Systems or Built-in Wall Unit, Electrical System, Plumbing System, Ductwork, Telephone Wiring
  • - $550/Year
    60$ per service call
For those homeowners who would like to preserve peace of mind by purchasing home warranty for the most essential home systems and appliances, this plan would work the best.
Plan 2: Silver plan
Includes: Clothes Dryer, Clothes Washer, Kitchen Refrigerator, Water Heater (Gas and/or Electric), Oven, Range, Stove/Cooktop, Dishwasher, Garbage Disposal, Garage Door Opener
  • - $450/Year
    60$ per service call
For those homeowners who bought a relatively new house with modern home systems, the home warranty for appliances would work the best.
Plan 3: Bronze plan
Includes: Water Heater (Gas and/or Electric), Air Conditioning/Cooler – 1 Unit, Heating Systems or Built-in Wall Unit
  • - $350/Year
    60$ per service call
This plan is good to start for the new homeowners. Later they may switch to the Gold plan or add itmes form the Optional Coverage list.
Optional coverage
  • Pool / Spa: $160
  • Additional Spa: $160
  • Central Vacuum: $30
  • Well Pump: $80
  • Sump Pump: $30
  • Limited Roof Leak: $60
  • Stand Alone Freezer: $35
  • Second Refrigerator: $35
  • Septic System: $100
  • Septic Tank Pumping: $65
If the homeowner has already purchased a home warranty plan but it does not include any of the items listed here, they can always be added later.

Policy and User-Friendliness

All the AFC Home Club policy information is easy to find on the company’s website. In the table below we have specified the paths to all the crucial details for the company's plans, prices, service fees, coverage, and other important information that we found and summarized in this review.

America’s First Choice Home Club policy terms and conditions are clearly stated and described in detail. All the service fees, cancellation policy, and excluded items are well-described. Please note that contract renewal is automatic until cancelled.
Info How to find
Plans Home Page-->Plans coverages
Prices Home ---> Free quote
Service Fees Home ---> Terms & Credits
Policy Home ---> Terms & Credits
What is covered Home ---> Terms & Credits
What is not covered Home ---> Terms & Credits
Dollar limits Home ---> Terms & Credits
Term Tricky?
Services fee No
Exluded items No
Cancellation No
Renewal Automatic if not cancelled
Pre inspection Not clear
Waiting time 48 hours to get a call, not to get service

Summary

America’s 1st Choice Home Club is a relatively young company but it has already built a strong reputation among homeowners.The customers highly rate the company’s services on most consumer report sites, including Better Business Bureau and Consumer Advocate.

The company operates in all states, except Alaska, Florida, Hawaii, and South Carolina.There are several plans available to homeowners. Bronze plan allows only basic coverage of water heater, air conditioning, and heating system. Silver plan covers all the essential appliances. Gold plan covers both appliances and all major home systems, including electrical, plumbing and ductwork. Optional coverage is available for such items as spa and pool, central vacuum, septic system, second refrigerator, and well pump.

Customers highly rated AFC Home Club on multiple consumer report sites. The rating scores ranged from 1 to 4.5 out of 5 stars, and the majority of the scores were around 4 stars. AFC Home Club BBB rating is B.