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America’s 1st Choice Home Club (AFC Home Club) is a home warranty provider that is readily available in most states. A standout feature of AFC Home Club coverage is its unlimited workmanship guarantee for completed repairs, which lasts the duration of your plan. That means AFC Home Club won’t charge you a service call fee for a previously repaired home appliance or system should it break down again.
Our team has researched home warranty providers around the country and determined the best home warranty companies to help homeowners make the right purchasing decision. Based on our comparison of AFC Home Club to other providers, we recommend it as one of our top choices.
AFC Home Club Rating and Review
AFC Home Club scored a 4.5 out of 5 stars within our rating system. Its four coverage plans, three service call fee options, comprehensive major systems and appliance coverage, and additional membership perks are all reasons for AFC Home Club’s high score. We docked a few points due to its 48-hour response time to a filed claim since some providers answer service requests within 24 hours.
Here’s how we rated AFC Home Club on key metrics:
- Available plans (4.7 out of 5): AFC Home Club gives homeowners flexibility for their home protection coverage by offering four plan options and three service call fees. It also gives homeowners the option to select their own service technician.
- Plan coverage (4.3 out of 5): AFC Home Club scored well due to its comprehensive coverage of home systems and appliances, generous coverage caps, and a good selection of add-ons. It doesn’t cover built-in trash compactors, however.
- Price range (5 out of 5): AFC Home Club offers its base plans for less than $40 per month in most cases, plus its three service call fee options can lower your premium when selecting a higher service call fee.
- Industry reputation (4.5 out of 5): AFC Home Club provides online access to its sample contracts, is available in most states, and has a solid rating on third-party sites such as the Better Business Bureau (BBB).
- Customer support (4.5 out of 5): AFC Home Club offers a plan-length unlimited workmanship guarantee on completed repairs, giving homeowners peace of mind that their home is protected. AFC Home Club also includes a 24/7 customer service line and online access to file claims.
- Additional features (4.5 out of 5): AFC Home Club permits homeowners to choose their service provider. You can also get coverage for items such as a second refrigerator.
Fast Facts About AFC Home Club
- Founded: 2009
- State availability: 49 (all but Hawaii)
- Service call fee: $75–$125
- Number of plans: Four
- Get a quick quote: Visit AFC Home Club’s site
Benefits and Drawbacks of AFC Home Club
Take a look at key factors for AFC Home Club coverage.
| Upsides | Downsides |
|---|---|
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Flexible coverage plans: AFC Home Club provides four coverage plans and three service call fees for plan and price customization. |
Low coverage caps on certain systems: AFC Home Club limits specific systems, such as plumbing systems, to $500 per claim. |
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Unlimited workmanship guarantee: AFC Home Club extends a workmanship guarantee for completed repairs that lasts the length of your plan. |
High cancellation fee: AFC Home Club charges $75 to cancel after the first 30 days. |
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Additional membership perks: AFC Home Club includes perks such as free credit monitoring, access to identity protection, and more. |
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AFC Home Club Coverage Options
AFC Home Club offers four coverage plans: Silver Plan, Systems Plan, Gold Plan, and Platinum Plan. Below is a breakdown of AFC Home Club’s coverage plans.
Silver Plan
AFC Home Club’s Silver Plan covers a variety of major appliances, including clothes washers, clothes dryers, dishwashers, garbage disposals, garage-door openers, ovens, ranges, cooktops, and kitchen refrigerators.
Systems Plan
The Systems Plan covers strictly major systems, such as air conditioning and heating systems, ductwork, interior electrical systems, plumbing systems, and water heaters.
Gold Plan
AFC Home Club’s Gold Plan combines the Silver and Systems plans into a comprehensive plan.
Platinum Plan
This plan includes every covered item listed in the Gold Plan, plus built-in microwaves, ceiling and exhaust fans, faucets, kitchen refrigerator ice makers, and plumbing stoppages.
Optional Add-Ons
AFC Home Club offers the following add-ons::
- Central vacuum
- Double oven
- Hot water dispenser
- In-ground pool and spa
- Roof-leak repair (single-family homes only)
- Second refrigerator
- Septic system
- Stand-alone freezer
- Sump pump
- Well pump
AFC Home Club Pricing
AFC Home Club plans are competitively priced and can be more cost-effective if you choose a higher service call fee. Its service call fees are $75, $100, and $125. Upon filing a claim, you must pay the service call fee before AFC Home Club authorizes repair work.
According to our quote for a 2,196-square-foot single-family home in Raleigh, North Carolina, you can expect to pay between $38 and $63 per month for a home warranty plan with AFC Home Club. Since pricing and coverage availability varies based on your home’s size, type, and location, we recommend requesting a free quote to compare with other providers before signing up.
AFC Home Club Coverage Caps
AFC Home Club provides a variety of coverage caps depending on the covered item. According to a customer service representative, AFC Home Club provides an unlimited coverage cap for HVAC heating and cooling systems, such as air conditioning. However, other major systems, such as tankless water heaters, have a dollar limit per claim.
Most of AFC Home Club’s covered appliances are paired with a $3,000 coverage cap, although smaller appliances have a lower limit. To learn about specific coverage exclusions and limitations, view AFC Home Club’s sample contracts.
AFC applies a prorated depreciation limit for covered items older than 5 years. Therefore, if you own a home with older appliances or systems, you may fare better with a different provider.
The table below highlights AFC Home Club’s coverage caps.
| Item | Coverage Cap |
|---|---|
|
Air conditioning and heating systems |
Unlimited |
|
Built-in microwaves |
$500 |
|
Ceiling and exhaust fan |
$150 |
|
Ductwork |
$500 |
|
Garage-door openers |
$500 |
|
Garbage disposals |
$150 |
|
Interior electrical |
$500 |
|
Major appliances |
$3,000 |
|
Plumbing systems |
$500 |
|
Water heaters |
$1,000 |
AFC Home Club Reviews
Our team analyzed hundreds of customer reviews from sites such as Trustpilot and Google Reviews. Customers were primarily satisfied with AFC Home Club’s prompt service. Several complaints pointed out denied claims and low reimbursements.
Here are some examples of AFC Home Club customer reviews:
“I filed my first claim with AFC Home Club, and they were terrific. The customer service rep, Gigi, was friendly and efficient. She made the whole process easy, and I was reimbursed for the service within 24 hours. I’m happy to be doing business with AFC home club.” —William M. via Google Reviews
“The whole process was easy and performed as advertised. We received a prompt diagnosis of the problem and authorization to move forward with the repair. Parts were ordered, the date was picked for the repair, and the technician showed up and fixed the dryer. Very quick, easy, and professional. I won’t use anyone else for a home warranty.” —Tom F. via Google Reviews
“I have four properties under warranty with AFC Home Club. I had a claim for a $7,000 heating system replacement denied due to the unit being too old. It defeats the purpose of having a home warranty if the age of the unit plays a role in a payout. After various discussions with the customer service team and AFC Home Club legal department, a $500 payment was made. Buyer beware. Better to go with another agency that doesn’t discriminate against the age of the unit but has a yearly claim limit instead.” —Rohel D. via Trustpilot
“Honestly, while they have approved some of my claims, many of the claims that mattered were rejected—particularly my water heater, which was $2k to replace. They told me I was approved for $60, which is laughable (and they have yet to send me a check weeks later). On their coverage page, they very boldly state the size water heater they will cover. My own fell within all of their parameters on that coverage page, but they found a reason not to cover it. Apparently, they will cover your water heater if it malfunctions within the first few years of its life and needs replacing, which never happens and which is likely already covered under a manufacturer warranty. Just save your premium because the big ticket items will not be covered.” —Arianne S. via Google Reviews
We reached out to AFC Home Club regarding these negative consumer reviews but did not receive a response. We recommend thoroughly reviewing the plan terms to understand coverage exclusions before signing up.
How AFC Home Club Compares to the Competition
The table below shows how AFC Home Club compares to other top home warranty providers.
| Monthly Cost | Service Fee | BBB Rating | Link | ||
|---|---|---|---|---|---|
| American Home Shield |  | $65–$76 | $100–$125 | B | VISIT SITE |
| Liberty Home Guard |  | $49-$60 | $65–$125 | A+ | VISIT SITE |
| Select Home Warranty |  | $44–$48 | $65–$75 | B- | VISIT SITE |
| First American Home Warranty |  | $59–$77 | $75–$125 | B | VISIT SITE |
| AFC Home Club |  | $47–$56 | $75–$125 | B | VISIT SITE |
| American Home Shield | |
|---|---|
| Logo |
|
| Monthly Cost | $65–$76 |
| Service Fee | $100–$125 |
| BBB Rating | B |
| Liberty Home Guard | |
|---|---|
| Logo |
 |
| Monthly Cost | $49-$60 |
| Service Fee | $65–$125 |
| BBB Rating | A+ |
| Select Home Warranty | |
|---|---|
| Logo |
 |
| Monthly Cost | $44–$48 |
| Service Fee | $65–$75 |
| BBB Rating | B- |
| First American Home Warranty | |
|---|---|
| Logo |
 |
| Monthly Cost | $59–$77 |
| Service Fee | $75–$125 |
| BBB Rating | B |
| AFC Home Club | |
|---|---|
| Logo |
|
| Monthly Cost | $47–$56 |
| Service Fee | $75–$125 |
| BBB Rating | B |
Our Recommendation
AFC Home Club is a top recommendation due to its plan-length workmanship guarantee, solid coverage caps, and a generous list of add-on coverage options. It also offers a variety of additional perks, such as free credit monitoring and access to identity protection.
Other top providers offer higher coverage caps or a longer list of add-ons, such as Liberty Home Guard and American Home Shield. Before signing up for a policy, we recommend requesting quotes from three providers to compare your customized coverage costs and plan options. Finally, we recommend you read the fine print of a provider’s sample contract to understand coverage exclusions.
AFC Home Club FAQ
How does a home warranty work?
A home warranty covers home items that break down due to wear and tear and that typically aren’t covered by a traditional homeowners insurance policy. When a major system or appliance breaks down, you file a claim with your provider. Your provider will dispatch a service technician to assess, repair, or replace the item. Each time you file a new claim, you must pay a service call fee, which varies in price depending on the provider.
How soon does AFC Home Club coverage begin after I purchase it?
AFC Home Club’s coverage starts after a 30-day waiting period from the day you purchased a policy. That means you can’t file a claim until the initial 30 days pass. If a covered item breaks down during the waiting period, AFC Home Club will not cover it. AFC Home Club waives the 30-day waiting period for real estate transactions if you provide a home inspection.
Do I need a home inspection before I purchase AFC Home Club coverage?
AFC Home Club doesn’t require a home inspection before granting coverage.
What is the average cost of AFC Home Club coverage?
The average cost of AFC Home Club coverage is $50.50 in Raleigh, North Carolina. Your monthly premium may vary based on your home’s size and type, your location, and your coverage options and add-on selections.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on analysis of customer reviews and interviews with industry experts. Our in-depth methodology guides our review process to provide transparent information about the companies we review.
During this process, we determined that the most critical aspects of a home warranty company include available service plans and add-ons, depth of coverage, plan cost, industry reputation, customer support infrastructure, and additional features. We also focused on the ability to choose your own contractor, upgrade your coverage package, transfer your plan to another owner, and cover roof leaks, high-end appliance brands, ceiling and exhaust fans, and faucets and fixtures.
Our research supported that plan coverage should carry the most weight, with customer support as the second-most important factor. Industry reputation, plan availability, and additional features were rated equally. We determined that price range, while worth considering, should not be the primary basis for choosing a home warranty provider for your home’s needs.
