clock menu more-arrow no yes

AFC Home Club Review (2022)

Finding a home warranty can be difficult, especially if you don’t know where to start. The This Old House Reviews Team researched different companies and found that AFC Home Club is one of the best. Read our full AFC Home Club review to learn more.

Stove, Stove Top, Vent, Vent Hood Jason Varney

In This Review: Our Take | Pros & Cons | Plans & Coverage | Pricing | State Availability | Reviews | Conclusion | FAQ | Company Information | Methodology

AFC Home Club is a top-rated home warranty provider. The company has been around for 12 years and is trusted in its industry. In this AFC Home Club review, you’ll find information about plans, pricing, customer feedback, and how the company compares to the competition.

Our Take on AFC Home Club

We gave AFC Home Club a rating of 8.57 out of 10 and named it the home warranty company that’s ‘Best for Customization’ for 2022. It has a wide variety of plans, has nationwide availability, and holds a B rating from the BBB.

Pros and Cons of AFC Home Club

✔ Guarantees parts and labor for the life of your membership
✔ 24/7 customer service
✔ Offers benefits like free credit monitoring, identity protection alerts, and Emergency Alert Network services

✘ Isn’t available in CA or HI
✘ Must submit a claim within one day after noticing an issue with a system or appliance
✘ Charges a $75 cancellation fee

AFC Home Club Plans & Coverage

Unlike other home warranty companies in the industry, which typically offer three plans, AFC Home Club offers four plans: Platinum, Gold, Silver, and Systems. Compare home warranty plan options and covered items in the chart below.

AFC Home Club Plans

Item Covered Systems Silver Gold Platinum
Item Covered Systems Silver Gold Platinum
Air conditioning -
Heating -
Water heater -
Electrical -
Plumbing -
Ductwork -
Plumbing stoppages - -
Clothes dryer/washer -
Refrigerator -
Oven/Range/Stove -
Dishwasher -
Garbage disposal -
Garage door opener -
Built-in microwave - - -
Ice maker - - -

In addition to these plans, AFC Home Club also offers optional coverage for items such as a sump pump, well pump, pool and spa, septic system, hot water dispenser, standalone freezer, central vacuum, and tankless water heater. Before signing up for a plan, remember to review your coverage and check for the fine print in your contract surrounding pre-existing conditions—this will clearly define what is and isn’t covered in your plan.

AFC Home Club Pricing

Plans range from $31–$54 a month. In addition to paying a monthly fee, customers will also have to pay a service fee every time a technician comes out to address the covered item in question. Customers have the option to choose a service fee between $75–$125. Typically, a lower service fee means a higher monthly premium whereas a higher service fee means a lower monthly premium.

Plan Pricing Comparison

AFC Home Club Plan Cost
AFC Home Club Plan Cost
Platinum $49.50–$54 per month
Gold $45–$49.50 per month
Silver $31.50–$36 per month
Systems $38.25–$42.75 per month

Note: The price of an AFC home warranty will depend on the type of coverage you choose, the add-ons you include in your plan, where you live, and the length of your contract.

State Availability

AFC Home Club is available in 48 states nationwide. It is not available in 2 states including California and Hawaii.

For those living in HI or CA, here are alternatives:

AFC Home Club Reviews

After reading hundreds of customer reviews about AFC Home Club and rating the company based on factors such as price, state availability, and customer service, the This Old House Reviews Team recommends AFC Home Club as a top home warranty provider. In particular, homeowners seeking a wide range of plan options should get a quote from AFC Home Club, as the company offers its customers more options than most competitors.

This company has a B rating from the Better Business Bureau (BBB). This rating is based on complaints received from the public and other company information—customer reviews are not included in this rating.

While most reviews are positive, even the best home warranty companies have negative reviews. Here are a few AFC Home Club reviews from the BBB:

Technician arrived on time, quickly diagnosed the problem with my electric garage door opener, and quickly made the necessary repair.— Steve R. on March 23, 2020

I was very impressed with the fast service. I was called on the same day I filed a claim. Not so with another home service plan we have used for other items not covered by Choice. The repairman who came was local and he was very pleasant and knew what he was doing. I really appreciate the quality of service and the fast response time.” — Teresa B.E. on March 7, 2020

“One of your service techs tried to rip me off for $80.00 above service call. I contacted AFC and they agreed that was improper and I did not [accept] this company’s bid. Be aware not all of their subcontractors are honest. I’ve only put in for 3 minor claims and 2 of the three were honest and very proficient.” — Teresa C. on March 3, 2019

Our Conclusion

The This Old House Reviews Team rated AFC Home Club 8.57 out of 10. We recommend it for people who want to choose between a variety of plans and who want to enjoy additional benefits, like free credit monitoring and emergency alert services, on top of traditional home warranty coverage. AFC Home Club is also one of the few home warranty providers that allow customers to choose their own service contractor for repair work.

On the downside, AFC Home Club may not be the right choice for someone who lives in California, or Hawaii, or for someone who wants to customize their coverage.

Get a quote for an AFC Home Club warranty today by calling 877-755-1115 or using the tool below:

Unsure if AFC Home Club is right for you? Compare this home warranty company to other competitors and consider getting quotes from multiple—this will give you a better idea of plan and pricing options, allowing you to find the best home warranty plan.

Compare Home Warranty Companies

Provider Best For Monthly Cost Service Fee BBB Rating Years in Business States Covered
Provider Best For Monthly Cost Service Fee BBB Rating Years in Business States Covered
AFC Home Club Customization $31–54 $75–$125 B 11 46 states (Not including CA, HI, NV, SC)
Liberty Home Guard Trustworthiness $45–$55 $80 A+ 3 47 states (Not including WA, WY, WI)
American Home Shield Overall $30–75 $75–$125 B 50 49 states (Not including AK)
Choice Home Warranty Service $47–$56 $85 B 13 48 states (Not including CA, WA)
Select Home Warranty Lowest Deductible $41–$47 $75 B 9 46 states (Not including NM, NV, WA, WI)
First American Home Warranty Value $36–$38 $75 B 36 35 states (Not including AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NY, NJ, ND, RI, VT, WI)
America’s First Choice Home Club Customization $43–$60 $75–$125 B+ 11 48 states (Not including CA, HI)

To learn more about home warranty companies that we recommend, read our in-depth company reviews:

Frequently Asked Questions about AFC Home Club

What is AFC Home Club?

AFC Home Club is a trusted home warranty provider that offers four comprehensive plans designed for homebuyers and sellers at an affordable price.

How is an AFC Home Club warranty different from homeowners insurance?

Homeowners insurance covers large structural issues and damage from natural disasters, fire, or theft. A home warranty covers major systems and appliances within the home.

When does AFC Home Club coverage begin?

There is a 30-day waiting period for coverage to begin. After 30 days, coverage will kick in.

How long is a contract term with AFC Home Club?

AFC Home Club home warranties last for a year, but you may be able to opt into a multi-year plan.

How do I submit a service request with AFC Home Club?

Service requests can be submitted online or over the phone, 24 hours a day, seven days a week.

Does AFC Home Club require a home inspection?

No, the company does not require a home inspection for coverage to begin.

Are home warranties worth the cost?

Home warranties can save thousands of dollars on repairs and replacements to major home systems and appliances. If you have items that may break down soon or you don’t have much budgeted for emergency repairs, a home warranty can offset expensive repair costs and give you peace of mind in the event that something does break down.

Company Information

  • Company name: America’s First Choice Home Club (AFC Home Club)
  • CEO: John B. Craddock
  • Years in business: 12 years
  • Address: 1337 Canton Road, Suite B
  • City/State: Marietta, GA
  • Zip code: 30066
  • BBB rating: B
  • BBB reviews: 434 reviews
For additional information, call America's First Choice Home Club at 877-755-1115.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies, and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at