AFC Home Warranty

4.3

AFC Home Warranty logo

Best for Additional Benefits

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Monthly Cost:
$38–$62
Service Fee:
$75–$125
Response Time:
48 hours
Coverage Limit:
$3,000
BBB Rating:
B
Availability:
48 states (ex. CA & HI)
Roof leak coverage up to $250
Solid B rating with the BBB
Coverage transferable to subsequent homeowners
No option for emergency services
Plumbing coverage requires purchase of a premium plan

AFC Home Club offers four unique plans — twice as many as some competitors. These four plans — System, Silver, Gold, and Platinum — cover between six and 18 home systems and appliances. The provider allows for monthly or annual billing to allow you to choose the best option for your budget.

See a comparison of each plan’s coverages below:

America’s First Choice Home Warranty (AFC Home Warranty) was established in 2009 in Marietta, Georgia. Since its inception, its solid home protection plans have gained a strong reputation with customers across the U.S.

As a nationwide home warranty coverage provider, AFC Home Warranty offers inclusive plan choices and several benefits not found with other providers, including lifetime guarantees on all work performed and service within 48 hours of making your request.

Best Coverage Limits
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Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
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Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
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$150 Off + 1 Month Free
Best Claims Acceptance
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Limited Time:
$50 Off + 1 month free!

The team at Today’s Homeowner has reviewed dozens of providers across the country to recommend the best home warranty companies to our readers. Learn everything you need about AFC Home Warranty's plans to determine if this provider is right for your property.


Our Review of America’s First Choice Home Warranty

Reviews of AFC Home Warranty vary in content depending on the website. The company maintains BBB accreditation, a third-party market watch group that analyzes advertisements to keep service companies honest.

Customers who recommended AFC’s home warranty plans complemented the company’s commitment to the terms of its service contracts. Multiple AFC Home Warranty reviews mention that it honored its terms without a hassle and that their assigned service technician was knowledgeable and courteous.

Customers who were unsatisfied with their AFC Home Warranty coverage regularly complained about depreciated estimates. Some customers claimed that though the fine print on their contract did specify that they may receive a depreciated system coverage reimbursement in the event of a total replacement, their settlement was exceptionally low.


Best Home Warranty Companies of 2023

AFC Home Warranty is one of several home warranty companies we recommend. See our other top-recommended providers below, then continue reading for our in-depth review of AFC Home Warranty.


Compare the Best Home Warranty Companies

AFC Home Warranty is far from the only home warranty provider in the country. Before you make your choice, consider the following additional options.

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE
AFC Home Warranty logo

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$38–$48

$75–$125

48 hours

B

VISIT SITE

$17–$60+

$65–$100

2–24 hrs

A-

VISIT SITE

$28–$68

$100–$150

2–24 hrs

B

VISIT SITE

Pros & Cons of AFC Home Warranty

Now, we'll discuss some of the high-level pros and cons of AFC Home Warranty. We suggest keeping these benefits and drawbacks in mind as you navigate the rest of the review.

Good BBB rating: AFC Home Warranty maintains a B rating from the BBB, indicating that customer reviews and sentiments from marketplace experts are overall positive.
Personable customer service: AFC allows you to speak with a real agent when you need help. This in-house service team and extensive home warranty knowledge make it a top choice.
Limited roof leak coverage: AFC offers limited roof leak protection of up to $250 as an optional plan add-on.
Comprehensive coverage options: AFC Home Warranty offers four different plan options, which is impressive compared to many companies that just offer two or three.
Transferable coverage: If you sell your home, you can easily transfer your AFC Home Warranty coverage to the new homeowner for no added charge.
No emergency service option: AFC Home Club doesn't provide emergency services. You will incur an additional fee should you need help after hours.
Slower response time: AFC Home Club typically has a 48-hour response time, whereas some other competitors have two to 24-hour response times.
Some basic plumbing items only available under premium plans: You must purchase AFC's most expensive plan for access to toilet, sink, and pipe blockage coverage.

Our Review Scores For AFC Home Warranty

AFC Home Warranty offers affordable home warranty coverage with monthly premiums well below the national average. So, if you want supplemental coverage for your insurance but are on a budget, AFC is the home warranty provider for you. The company’s plans include a $3,000 coverage limit per membership term that virtually guarantees you won’t have to pay more than AFC’s service call fee when you need home service.

AFC Home Warranty allows you to choose your own technician, so you can choose the company you trust the most instead of just any contractor. You’ll also get lifetime guarantees on the work technicians provide for as long as you’re a plan member, which means that once your home system has been fixed, you won’t have to worry about it again. Most home warranty companies have 30- to 90-day guarantees, so this perk sets AFC apart from the rest.

What We Like and Don't Like

Now we'll dive into more specific benefits and drawbacks of AFC Home Warranty. The tabs below will help you parse apart coverage details, state availability, company reputation, and more.

What We Like

AFC Home Warranty's comprehensive plans cover all the items you’ll find in most other home warranty plans. Most home warranty providers only offer three plans, but AFC lets you choose one of four plans that best meets your needs and budget. Plus, the Platinum Plan offers some of the most comprehensive coverage, as it covers all components and parts of each appliance. If you need to customize your plan further, AFC offers a series of add-on choices for items like electronics, pools, and spas.

What We Don't Like

Only AFC’s most expensive plan — the Platinum Plan — covers plumbing stoppages. While more affordable plan choices cover the structure of the plumbing system itself, you’ll need to buy the Platinum Plan to extend coverage to the toilet, sink, and pipe blockages. Common plumbing issues like stoppages are typically included with most other systems plans, as are whirlpool bathtubs, which are also not covered by any AFC plan.

What We Like

AFC Home Club’s plans cost between $38 and $62 per month, with discounts available for annual subscribers. These fees are slightly lower than the industry average of $50, so if you want warranty coverage but don’t want to overpay, AFC is your provider. You can choose your flat service call fee of either $75, $100, or $125, which gives you more opportunities to customize your monthly premium to fit your needs.

AFC Home Club offers a wide selection of plans, making them more valuable. Additionally, AFC Home Club’s plans include an upper coverage limit of $3,000, with overall policy limits as high as $10,000 annually, which is robust compared to other home warranty plans with coverage limits of less than $1,500 per item.

What We Don't Like

While most appliances on AFC Home Club’s plans include a $3,000 individual limit, some items include lower coverages of $150 to $1,000. For example, plans only include a maximum of $500 for your plumbing system, whereas other providers cover up to $1,000 or more. Review these limitations with one of AFC’s sample contracts before you buy.

In addition, the adjustable service fee comes at a price. If you want to pay less out of pocket when submitting a claim, you’ll pay more monthly. For instance, the Platinum Plan would cost you $53 per month if you choose the $125 service call fee but will cost $62 per month if you opt for the $75 service fee.

What We Like

AFC Home Club’s application process is straightforward. Most homeowners can sign onto a policy with just a few clicks and easily find a sample contract for each of the four plans. Most home warranty providers only have one sample contract, but AFC has a sample contract for each plan level, which makes plan comparison much easier and more transparent.

AFC also makes comparing plan options a snap with tables and clearly labeled add-ons. Once you fill out the online form, you can easily compare plan options, add additional coverage, and customize your service fee. Unlike other providers that will call you close to a dozen times within 24 hours, AFC did not reach out excessively after we requested a quote.

What We Don't Like

AFC Home Club institutes a 30-day waiting period on its policies, which is typical in the home warranty industry. Some customers complained that the company did not provide enough compensation for replacements on some items, which means these customers did have to pay out of pocket when they filed a claim.

AFC also has a 48-hour response time, an industry standard. However, other providers have short 24-hour response times that get a service technician to your door even faster.

What We Like

AFC Home Club has more than 10 years of experience in the home warranty industry, meaning it has the infrastructure to service claims in 48 hours or less. AFC Home Club has no active lawsuits and has a B rating with the Better Business Bureau (BBB). We consider it a reputable home warranty company compared to others with active lawsuits and F ratings.

What We Don't Like

AFC is poorly reviewed online, but so are most other home warranty companies. It has a 2.3-star rating out of five on the third-party review platform Trustpilot and Google reviewers gave the company a 3.7-star rating. These star ratings are industry average.

What We Like

AFC Home Club allows you to file a claim over the phone or online, and it accepts claims 24 hours a day and seven days a week. Its lifetime service guarantee sets AFC apart from other home warranty companies. If you file a claim and AFC sends a service technician to fix your home system or appliance, that work will be covered throughout the entire lifespan of your contract. If that system or appliance fails again, AFC will send someone out to repair it at no extra cost. This coverage is exceptional compared to the 30-day or 90-day service guarantees we commonly see.

What We Don't Like

Most home warranty companies have emergency services, but AFC does not currently offer this service. If you need immediate home service or service on any nationally-recognized holidays, you can’t get home warranty coverage from AFC. Further, you will be responsible for extra charges if you request service after business hours.

What We Like

AFC Home Club is a nationwide company providing policies in 48 states. Most home warranty companies cover at least 45 states, so AFC fits right in. Like all home warranty providers, plan availability and pricing may vary by location. So, get an online quote for the most accurate cost estimate.

What We Don't Like

AFC Home Club is not available in Hawaii or California, so if you live in either of these states, you will have to go with a different home warranty provider. There are other home warranty providers in Hawaii and other home warranties in California if you live in either of these states.

Compare AFC Home Warranty to other top Home Warranty brands by reading our reviews below:

State Availability of AFC Home Warranty

Below we provide a map visual showing where AFC Home Warranty provides coverage. As you can see, the company is available to all states except California and Hawaii.


Video Overview of AFC Home Warranty

The following video shows a real review from an AFC Home Warranty customer. Watch it for a firsthand account of how AFC provides peace of mind for whatever homeownership throws your way.


AFC Home Warranty Plans and Coverage Options

AFC Home Warranty offers four unique plan choices, twice the number as some competitors. These four plans — System, Silver, Gold, and Platinum — are systems-only, appliance-only, or combo plans that cover between six and 18 home systems and appliances.

  • System Plan: Perfect if you have new appliances or just want your systems covered, the System Plan covers six major home systems, including heating systems, air conditioning, electrical systems, plumbing systems, and ductwork.
  • Silver Plan: The Silver Plan covers nine major home appliances, such as your laundry machines, refrigerator, oven, dishwasher, garbage disposal, and garage door opener. The Silver Plan is AFC Home Warranty's lowest-priced plan and is best if you’re on a budget or have newer heating and cooling systems.
  • Gold Plan: The Gold Plan covers each appliance and system covered on both the Silver and System Plans for one low price. If you want every important system and appliance in your home covered and want to pay less than $2 for coverage, this is the plan for you.
  • Platinum Plan: The all-inclusive plan includes coverage for everything in the Gold Plan — plus a few extra home components. For example, the Platinum Plan includes coverage for an ice maker and a built-in microwave, which are not covered under the Gold Plan. If you want comprehensive coverage, this plan is the best for you.

When you purchase home warranty coverage through AFC Home Warranty, you can be billed monthly or annually, with annual subscribers receiving a discount. Like many other home warranty providers, AFC Home Warranty saves you on premiums by choosing a higher per-visit service call fee.

To help you get a better idea of what you might pay for an AFC Home Warranty home warranty, we requested a series of quotes for a home in North Carolina. Review the tables below to understand what a plan might cost — but note that specific pricing varies by area.

Monthly Pricing

Service FeeSystems PlanSilver PlanGold PlanPlatinum Plan
$75$50$43$57$62
$100$48$40$55$60
$125$41$38$53$53

Annual Pricing

Service FeeSystems PlanSilver PlanGold PlanPlatinum Plan
$75$543$456$630$688
$100$514$427$601$659
$125$485$398$572$630

Quotes listed in the tables above were collected on 2/2/2023 for a single-family residence in Raleigh, N.C., on a one-year contract term. Be sure to claim your free quote to learn more about pricing in your state or area.

Learn exactly what’s covered in each plan using the table below.

Best for Additional Benefits

4.3

AFC Home Warranty logo
Limited Time:
$200 off + free roof leak coverage

What Optional Add-ons Does AFC Home Warranty Offer?

AFC allows customers to personalize their policies with optional add-ons. Each add-on includes an additional premium, ranging between $25 and $300 per year. You can currently add coverage for the following additional home components with AFC:

Add-on ChoicePrice (per year)
Central vacuum$25
Double oven$25
Electronic coverage$300
Hot water dispenser$25
In-ground pool$100
In-ground pool and spa$150
Roof leak$25
Septic system$50
Stand-alone freezer$25
Sump pump$35
Well pump$50

Does AFC Home Warranty Have Any Exclusions?

Like all home warranty providers, AFC Home Warranty's plans include exclusions on covered items. Some notable exclusions on AFC Home Warranty's plans include the following:

  • Air conditioning and HVAC/heating systems: AFC does not cover oil-based air conditioning units, chiller units, window units, or other portable systems. All plans exclude several components, including roof jacks, flues, and vents. Review a sample contract for a full list of excluded components.
  • Cooktop, oven, and range: Plans do not include coverage for double ovens.
  • Ductwork: Improperly sized and crushed ductwork are excluded from coverage.
  • Electrical system: AFC’s plans do not cover low-voltage, DC, or circuit wiring systems. It also excludes several exterior components, including faceplates and switches. Damages incurred due to power outages are also not covered.
  • Garage door openers: Plans do not cover damage to the door, track, or spring assemblies attached to your electric garage door opener.
  • Plumbing stoppages: Plumbing stoppages caused by collapsed, frozen, or damaged roots are not covered.
  • Plumbing system: AFC Home Warranty's plans include exclusions on several types of damage you might incur to your plumbing system, including cracks and damage that requires camera snaking.
  • Water heater: AFC does not cover solar water heaters, and several components are excluded — including valves and flues.

Additionally, all plans include a 30-day waiting period, during which policyholders will not be entitled to reimbursement of more than $150.

Best for Additional Benefits

4.3

AFC Home Warranty logo
Limited Time:
$200 off + free roof leak coverage

Does AFC Home Warranty Have Any Coverage Limits?

Every home warranty plan will include a series of coverage limits that put an upper cap on the total amount of money your warranty provider will offer you to fix an item. Most plans also include upper coverage limits that cap the total amount of money your warranty company is responsible for overall. You’ll pay the rest of your repair and replacement expenses out-of-pocket if you hit this limit.

AFC Home Warranty's plans include an aggregate coverage cap of $3,000 per item per membership term for the access, diagnosis, replacement, and repair of most items included under each plan option. AFC’s sample contract also includes several clauses that place a lower limit on individual items, including the following:

Covered itemCoverage limit per membership term
Built-in microwave$500
Ductwork$150
Electrical system$500
Faucets$150
Garage door opener$500
Garbage disposal$150
Ice maker$150
Plumbing stoppages$500
Plumbing system$500
Range$150
Water heater$1,000

How to File a Claim With AFC Home Warranty

AFC Home Warranty makes it easy to file a claim when you need someone to fix your air conditioner, refrigerator, or any other home system or appliance. Within 24 hours of your claim submission, you will receive confirmation that a technician will be dispatched to your home. Follow these easy steps to get started:

Best for Additional Benefits

4.3

AFC Home Warranty logo
Limited Time:
$200 off + free roof leak coverage

Frequently Asked Questions About AFC Home Warranty

Does AFC Home Warranty cover roof leaks?

AFC Home Warranty offers limited protections for roof leaks as an optional coverage up to $250.


Does AFC Home Warranty cover water heaters?

Yes, multiple AFC Home Warranty plans cover water heaters — up to $1,000 annually.


Does AFC Home Warranty cover garage doors?

While some of AFC Home Warranty’s plans cover garage door openers, damage to the door itself is not covered under any plan.


Is an AFC Home Warranty warranty transferable?

Yes, AFC Home Warranty plans can be transferred to a new homeowner who buys your property for no additional charge.


Do I need a home inspection before getting AFC Home Warranty?

No, you are not required to get a home inspection from AFC Home Warranty before enrolling in coverage. However, you may be required to provide maintenance records before having a claim approved to ensure that misuse did not cause the breakdown.



Methodology: How We Rank Home Warranty Companies

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can score highest in this category if it offers multiple robust plans that cover all basic systems and equipment, as well as optional add-ons. We examine each company's exclusions and limitations to determine the coverage amounts for each item. Companies with coverage limits of $3,000 or more perform best in this category, and bonus points go to companies that cover unusual items such as electronics and leaky roofs.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quotes process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote.
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits.
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.


Editorial Contributors
avatar for Sarah Horvath

Sarah Horvath

Contributor

Sarah Horvath is a senior-level home service review professional with more than 10 years of experience in the homeownership industry. You can find her writing on sites like Robinhood, MoneyLion, Benzinga, Forbes Advisor, and more. When she's not busy writing, Sarah enjoys spending time in her home in Orlando with her fiance and her parrot.

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photo of Roxanne Downer

Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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