America's 1st Choice Home Club Review

Why is it important for you to read America’s First Choice warranty reviews before making a commitment to buy? To clear up any doubts, questions, or concerns that you may have. We based our opinion on comprehensive research of the company and client reviews. The data was collected from the company’s website as well as from multiple consumer reporting sites. This America's First Choice Home Club review includes all of the necessary information you need on this home warranty company and its plans, pricing, and coverage.

Updated for Jan 03, 2019

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America's 1st Choice Home Club Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Ratings
Trustworthiness:
Plans and Coverage:
Feedback:
The Fine Print:
Promotions:
Editor Rating:
Reader Rating:
Covered Appliances and Systems
Facts and Figures
31 days
Effective in
24/7
Hours
$75
Cancellation
$365 - $709
Premium
$75 - $125
Deductible
$125 - $2000
Limits
Pros And Cons
Market veteran
Different plan types available
Emergency service available
Free cancellation within 30 days
24/7 service calls

Tricky terms and conditions
High chance of payment delays
High cancellation fee
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 Clearest Terms and Conditions

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Clients from:  

 Virginia, Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Wyoming, District of Columbia + 18 More States
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Emergency Service Available

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Clients from:  

 Virginia, Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming, District of Columbia + 18 More States
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Clients from:  

 Virginia, Alabama, Arizona, Arkansas, Colorado, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Missouri, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Florida, Minnesota, Utah, Wisconsin + 13 More States

Editorial Notes

America's First Choice home warranty is a well-known company that offers a variety of reasonably priced home warranty plans to the customers across the USA. The coverage includes most home systems and appliances not only as a part of the plan but as optional add-on items. AFC home warranty is BBB accredited and has a B rating.

AFC home warranty reviews that we collected on various consumer reporting sites mostly concerned the heating system and plumbing, air conditioning, and various home appliances. The customers praised good work and professionalism of the contractors who performed the repairs. On the other sides, there were many complaints about claim denials, tricky terms, and communication problems with customer support.

ReviewHomeWarranties team has carefully studied the company's website and brochure and summarized the most important points in this America’s 1st Choice Home Club review.

 

Premium cost level:
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Trustworthiness

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 a certain reputation among customers. The company provides services all across the USA, including Texas, California, Washington, North Carolina, and Virginia.

Accessibility

How to contact
Main page >> About >> Contact AFC
Online chat
No
Social media

The easier the company is to access, the more trustworthy it is. America's First Choice warranty is accessible online via the contact form. The company also has a Facebook account, and the representatives may be reached via Messenger.

Benchmarks America's 1st Choice Home Club Other companies

Company size
No data
0 1,650
Annual revenue
No data
0 $1,276,000,000
Number of homeowners
No data
0 2,200,000
Number of BBB complaints closed within last 3 years
206
0 14,850
Traffic
1,200
0 383,900
Number of independent contractors
No data
0 44,000

Reputation

BBB accreditation
B (Accredited)

A good indicator of the company’s credibility is its accreditation with reputable authorities and compliance with home warranty regulations. America’s 1st Choice Home Club is accredited with the Better Business Bureau.

America's First Choice BBB rating is B with 65% positive reviews and a composite score of 3 out of 5 stars based on 73 reviews. These are very good results for any home warranty company, and especially for a relatively young one. The industry leaders, like Choice Home Warranty and American Home Shield, have comparable ratings with BBB.

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Coverage

Now it is agood time for you need to decide which parts of your home you want to be covered under warranty. Based on this decision, you will know which home warranty plan to select. America's 1st Choice Home Club offers a variety of plans that will fit your needs whether you are a homeowner, home seller, or home buyer. Choosing the right plan is the most important part of the process of purchasing a home warranty. The coverage of your home systems and appliances as well as the amount of money you spend per year will depend on it.

The two most popular types of plans offered by home warranty companies are combined plans and separate plans for home systems and appliances. You can find combined plans at companies like Choice Home Warranty or Total Home Protection, but AFC Home Club offers more flexibility in terms of coverage.

The cheapest plan at AFC Home Club is the Silver Systems plan at only $450 per year. It includes a gas or electric water heater, air conditioning, heating system, or built-in wall unit. The Silver Appliance plan is also $450 per year, and it covers home appliances only. These include washer and dryer, dishwasher, oven refrigerator, and more. 

The best plan that covers most home appliances and home systems is the Platinum Combo plan and will cost homeowners $625 per year, which is comparable to the industry average. There is also the Gold Combo Plan for $550 per year that is similar to the Platinum plan but does not include microwave, plumbing stoppages, and ice maker. Additionally, homeowners can add coverage for the swimming 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 after the policy’s sale date and continues through the time period selected by the client. The contract will be renewed automatically unless canceled. For every service call, there is a service fee that ranges from $75 to $125 depending on the plan premium cost. The higher the service fee, the lower the premium, and vice versa.

Once the service request is placed, AFC Home Club will contact the authorized contractors within 48 hours during normal business hours, or four days on weekends and holidays. The contractor will then contact the customer to set up an appointment at a time that is mutually convenient. Please remember that the contract will be renewed automatically unless canceled.

Summary of plans and coverage:

Coverage Term
Service Call Fee
ItemsLimit Silver Systems Plan Silver Appliance Plan Platinum Combo Plan Gold Combo Plan Optional Coverage
Premium Amount - $450.00 $422.00 $400.00 $43.18 $40.91 $38.64 $1195.00 $1170.00 $1095.00 $450.00 $425.00 $400.00 $43.18 $40.91 $38.64 $1195.00 $1170.00 $1095.00 $625.00 $600.00 $575.00 $59.09 $56.82 $54.55 $1595.00 $1545.00 $1495.00 $550.00 $525.00 $500.00 $52.27 $50.00 $47.73 $1395.00 $1345.00 $1295.00 $20.00 - $150.00
Service Call Fee - $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 $75.00 $100.00 $125.00 -
Term, Month - 12 12 12 1 1 1 36 36 36 12 12 12 1 1 1 36 36 36 12 12 12 1 1 1 36 36 36 12 12 12 1 1 1 36 36 36 12
Coverage$125.00 - $2,000.00

Before you sign a contract with any of the home warranty companies, it is always good to know what is covered by the warranty that you are about to purchase and what is not. We have carefully reviewed AFC home warranty contracts and summarized all of the relevant information in the table above.

Air Conditioning and Heating System

AFC Home Club provides coverage for A/C and heating systems under the Silver Systems Plan, and Platinum and Gold Combo Plans plans. The coverage is limited to one unit up to a 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. If the unit is over 10 years old, the company will use a depreciation schedule if the cost of repairs outweighs the value. Maximum coverage limit for air conditioning at AFC Home Club is $2000.

Plumbing System

Plumbing system coverage is available under the Silver Systems Plan as well as under Platinum and Gold Combo plans. America's First Choice warranty covers all visible interior leaks and breaks of water supply pipes, drains, vents, and waste lines. A piping failure that includes collapsed piping or damage from extreme weather or roots is not covered by AFC Home Club. Maximum coverage is limited to $500 per membership term.

Electrical System

All interior wiring, fuse box, circuit board, and circuit breakers are covered by the AFC Home Club Sylver Systems, Platinum and Gold Combo plans for up to $500 per membership term. Any fixtures, switches, outlets, appliance cables, or smart home equipment is not covered.

Home Appliances

America's First Choice Silver Appliances plan covers all major home appliances, including washer and dryer, refrigerator, oven, range, cooktop, dishwasher, garbage disposal, and garage door opener. Water heaters, either gas or electric, are covered by all three plans.

Additionally, you may include coverage for freshwater and saltwater swimming pool, spa, septic, sump pump, stand-alone freezer, and water dispenser in any of your plans. All of the optional items are priced a la carte.

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The Fine Print

Item
Comparison to Industry
Coverage effective after
At industry maximum
Cancellation with refund within
Above industry average
Cancellation fee
Above industry average
Automatic policy renewal
As 94.6% of industry
Time to cancel automatic renewal
Above industry average
Fee for contract transfer
Above industry average
Max time to submit claim
At industry minimum
Repair timeframe
At industry maximum
Repair timeframe (weekends and holidays)
At industry maximum
Free second opinion
n/a
Emergency service available
As 87% of industry
Hours for service calls
As 85.5% of industry
Reservice if repairs fail
Standard for industry
Free reservice period (parts)
At industry maximum
Free reservice period (labor)
n/a

One of the most significant factors in a company’s credibility is whether their policy terms and conditions are openly available and easy to comprehend. Unlike companies with tricky terms, such as Advanced Home Warranty, AFC Home Club’s policy information is easy to find on the company’s website. However, the terms themselves may seem to be tricky. 

In the table above, we have specified how to find all of the vital information for the company's plans, prices, service fees, coverage, and other important details as summarized in this review. By following this, you will be able to find and double check this information at the original source as it might have changed after this review was written.

Once you sign a contract with America's First Choice, the coverage does not become effective immediately. You will have to wait 31 days, which is an industry maximum, for the warranty to become effective. Anything that breaks before that date will not be covered under AFC home warranty.

You have 30 days to cancel the policy if you have changed your mind. However, you will have to pay a $75 cancellation fee. This is a regular practice, but the fee itself is higher than usual. In case you have not canceled your policy after the contract has expired, it will be extended automatically, and you have 30 days to change that. If you sell your house and want to transfer America's First Choice warranty to the new owner, there is a $50 transfer fee.

In case any of the home systems or appliances covered by AFC Home Club needs a repair, you have 1 day to submit a claim, so act quickly. The company's customer service is accessible 24 hours a day, 7 days a week. The repairs are usually performed within 2 business days or 4 days that include weekends or holidays. However, if you need an emergency service, it can be provided immediately.

 

 

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Customer Reviews and Feedback

Quotes from actual customer reviews:

1) It's nice having the assurance that you don't have to shell out full price for a replacement on an appliance that goes bad. 2) AFC is very fast at scheduling and responding to claims. 3) There is a lot of fine print in the contract that doesn't cover many of the appliance problems, but AFC works with you to make it a better experience. Overall, I'm happy with AFC but it would be nice to have everything covered the same way and not have to worry about the little details that aren't part of the contract (such as ice makers and garbage disposals).

Yelp, San Diego, California November 27, 2018

disappointed with afc's decision to limit service repair claim on washer drum bearing repair to $150 due to full depreciation of asset. in my experience and multiple claims with orhp and ahs, i have not had any issues on limiting repairs due depreciation.

Yelp, Escondido, California September 24, 2018

Summary of ratings from popular review sites:

America's 1st Choice Home Club Industry Average

Website

Relative Score

Adjusted Score

Yelp
92
143
1.0
1.8
1.2
Ripoff Report
3
26
1.0
1.0
2.4
BBB
75
190
3.0
3.1
2.4
Site Jabber
3
14
2.4
2.2
2.7

Summary Rating
2.2
2.2
1.7

Types of repairs performed according to customer feedback:

Heating system Plumbing Washer Disposal Toilet Air conditioner Dishwasher Spa Electrical Garage door Water heater Pool Refrigerator Oven

Main takeaway points from customer feedback:

America's 1st Choice Home Club
Industry Average
Good work
13%
11%
Professional contractor
8%
6%
Good communication
8%
5%
Money offer
4%
4%
Fast work
2%
3%
Act of good faith
0%
0%
Communication problems
15%
18%
Repair delay
9%
17%
Claim denial
15%
13%
Unprofessional contractor
2%
7%
Unexpected costs
6%
7%
Tricky terms
15%
7%
Payment delay
4%
2%

It is always worth finding out what other people have to say about the home warranty company you are looking to buy from. For this purpose, we have collected America's First Choice reviews from six consumer reporting sites, including Yelp, Site Jabber, and the Better Business Bureau, and conveniently organized them in the table below. All of the feedback that you see is linked to the original source.

Overall, we found almost 300 AFC home warranty reviews, with a major part of them published on Yelp. The company’s rating on BBB ranged from one star to 3.5 stars out of 5 based on 73 AFC Home Club reviews on BBB.

While reading the America's First Choice Home Club reviews, we noticed that some customers confused America’s 1st Choice Home Club with other companies that have similar names, such as First American Home Buyers Protection. These customers left negative reviews for AFC Home Club meant for a completely different company, erroneously downgrading its rating. This confusion has happened with other companies as well, such as Total Home Protection and TotalProtect Home Warranty. Please keep that in mind and make sure you read or write the AFC reviews for the right company, not the one with a similar-sounding name.

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The Final Words

Is America's First Choice Warranty Good?

We really hope that this America’s First Choice warranty review helped you answer this question. America's 1st Choice Home Club is a relatively young company, but it has already built a strong reputation among homeowners. We found that customers highly rate the company’s services on most consumer reporting sites, including the Better Business Bureau. 

There are several home warranty plans available to homeowners, and they are all priced within the industry average. The Bronze plan allows only basic coverage of water heater, air conditioning, and heating systems. The Silver plan covers all of the essential appliances. The Gold plan covers both appliances and all major home systems, including electrical, plumbing, and ductwork. 

We hope that this AFC home warranty review helped you to understand the company’s policies, plans, coverage, and other information crucial to making an important decision on purchasing a home warranty.

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