AFC Home Warranty gives homeowners more control over covered repairs by allowing them to choose their own contractor. The company also offers a workmanship guarantee that lasts for the full term of an active plan, helping homeowners avoid additional service fees if a covered repair needs follow-up work. Its four plans include appliance-only coverage and more comprehensive options for home systems and appliances.
We evaluated AFC Home Warranty’s coverage, costs, claims process, and customer feedback to see how it compares with other top home warranty companies. Our review also includes firsthand claims testing and findings from our 2026 survey of 2,000 homeowners nationwide.
Key Takeaways
- AFC Home Warranty stands out for letting homeowners choose their own contractor and offering a workmanship guarantee that lasts for the full plan term.
- AFC Home Warranty plans with online pricing average $44–$82 per month, with service call fee options of $75 or $125.
- In our 2026 home warranty survey, 92% of AFC Home Warranty customers were satisfied or very satisfied with their plan, and 84% said they planned to renew their coverage.
Our Take on AFC Home Warranty
AFC Home Warranty is a strong option for homeowners who value flexibility and more control over repairs. The company lets you choose your own contractor and offers a workmanship guarantee for the length of your plan, compared with the 30 to 60 days offered by many providers. This means you won’t pay another service fee if a covered item needs a follow-up repair during your plan term.
However, AFC’s depreciation policy can reduce payouts for systems and appliances that are five years or older, making it less appealing for homeowners with aging items. The company also has a $10,000 annual aggregate coverage limit, which could increase your out-of-pocket costs if you need several expensive repairs in one year.
Customer reviews we analyzed frequently praised AFC’s claims process and ability to choose your own technician. Negative reviews cited lower-than-expected payouts, repair delays, and communication issues.
We recommend AFC Home Warranty if you:
- Prefer choosing your own technician for repairs
- Want a longer workmanship guarantee to protect your repairs
- Need coverage for both systems and appliances
We don’t recommend AFC Home Warranty if you:
- Have high-value systems and appliances, such as an air conditioner or refrigerator, that are five years old or older
- Anticipate high repair needs, as the $10,000 annual limit may be restrictive
- Require higher coverage for systems beyond heating, cooling, and water heaters
What Does AFC Home Warranty Cover?
AFC Home Warranty offers four plans covering appliances, home systems, or both. Its coverage stands out for its appliance-only option, coverage for multiple heating and cooling units, and no coverage caps on heating, cooling, and water heaters.
Core Plans
The Silver Plan is an appliance-only plan covering nine major appliances, including cooktops, kitchen refrigerators, and garage door openers. Coverage limits range from $150 to $3,000 per appliance, with laundry appliances capped at $3,000 and garage door openers at $500. This plan is best suited for homeowners who want appliance protection without paying for system coverage.
The Gold Plan covers 15 appliances and home systems, including plumbing, electrical, and HVAC systems. The company covers multiple heating and cooling units and has no coverage caps on heating, cooling, or water heaters. However, other systems have limits between $150 and $500, including a $500 plumbing coverage limit.
The Platinum Plan expands coverage to 20 appliances and systems. It adds plumbing stoppages, faucets, refrigerator ice makers, built-in microwaves, and fans while maintaining the same coverage limits as the Gold Plan.
The Diamond Plan offers AFC Home Warranty’s broadest coverage. It includes everything in the Platinum Plan plus electronics, exterior sewer lines, and exterior water lines.
Coverage Details
Coverage limits vary considerably by item. Appliances can receive up to $3,000 in coverage, while heating, cooling, and water heaters have no coverage caps. Some other systems have lower limits, including $500 for plumbing.
AFC Home Warranty also offers a workmanship guarantee that lasts for the entire term of an active plan. Many home warranty providers limit their workmanship guarantees to 30 to 60 days. With AFC Home Warranty, you won’t pay another service fee if a covered item needs a follow-up repair during your plan term, which can reduce costs for recurring issues.
AFC Home Warranty Plan Comparison
Here’s a breakdown of AFC Home Warranty’s coverage plans:
| Coverage | Silver Plan | Gold Plan | Platinum Plan | Diamond Plan |
|---|---|---|---|---|
| Clothes washer | ✔ | ✔ | ✔ | ✔ |
| Clothes dryer | ✔ | ✔ | ✔ | ✔ |
| Kitchen refrigerator | ✔ | ✔ | ✔ | ✔ |
| Oven/range | ✔ | ✔ | ✔ | ✔ |
| Cooktop | ✔ | ✔ | ✔ | ✔ |
| Stove | ✔ | ✔ | ✔ | ✔ |
| Dishwasher | ✔ | ✔ | ✔ | ✔ |
| Garbage disposal | ✔ | ✔ | ✔ | ✔ |
| Garage door opener | ✔ | ✔ | ✔ | ✔ |
| Water heater | ✔ | ✔ | ✔ | |
| Air conditioning | ✔ | ✔ | ✔ | |
| Heating systems | ✔ | ✔ | ✔ | |
| Electrical system | ✔ | ✔ | ✔ | |
| Plumbing system | ✔ | ✔ | ✔ | |
| Ductwork | ✔ | ✔ | ✔ | |
| Plumbing stoppages | ✔ | ✔ | ||
| Ice maker | ✔ | ✔ | ||
| Faucets | ✔ | ✔ | ||
| Built-in microwave | ✔ | ✔ | ||
| Fans (attic, exhaust, ceiling) | ✔ | ✔ | ||
| Smartphone and electronics | ✔ | |||
| Exterior sewer lines | ✔ | |||
| Exterior water lines | ✔ |
Add-Ons
AFC Home Warranty offers eight add-ons, which is standard for a home warranty provider. You can include these optional coverages in any plan for an additional fee, allowing you to tailor your home warranty protection. Coverage limits for add-ons range from $150–$500, aligning with industry averages. Available add-ons include:
- Central vacuum
- Electronics
- In-ground pool and spa
- Roof-leak coverage
- Septic system
- Standalone freezer
- Sump pump
- Well pump
Homeowner Insights
Heating and cooling coverage may be particularly important to AFC Home Warranty customers. In our 2026 survey, 50% of respondents who chose the company named either their heating system or air conditioner as the most important home system to cover.
The Fine Print
AFC Home Warranty excludes damage caused by poor maintenance and cosmetic issues that don’t affect an item’s function. It also excludes structural problems, manufacturer recalls, natural disasters, and preexisting conditions. Review your sample contract for the full list of exclusions and plan-specific terms.
Claim Requirements
AFC Home Warranty requires you to submit a claim within one day of noticing an issue. You must also provide the make, model, and serial number of the affected item before the company can process the repair. For covered items with limits below $250, the company may provide a cash payout instead of arranging a repair or replacement.
Choosing Your Own Technician
AFC Home Warranty lets you choose your own technician, but you must receive approval before repairs begin. The technician must meet the company’s licensing and insurance requirements. AFC Home Warranty may deny reimbursement for unauthorized repairs or additional damage caused during the repair process.
How Much Does AFC Home Warranty Cost?
AFC Home Warranty costs between $44 and $82 per month for plans with pricing available online, based on averages we calculated from more than 300 sample quotes nationwide. Your final cost depends on your plan, optional add-ons, service call fee, home size, and location. The company does not publish Silver Plan pricing online, and we found during our secret shopping that you must call for a quote.
| Plan | Average Monthly Cost | Service Call Fee |
|---|---|---|
| Silver | Call for a quote | $75 or $125 |
| Gold | $44 | $75 or $125 |
| Platinum | $51 | $75 or $125 |
| Diamond | $82 | $75 or $125 |
What Affects Your Cost?
Your plan, service call fee, and optional add-ons are the main factors that affect your AFC Home Warranty cost. The company offers $75 and $125 service call fees, which are the amounts you pay when a technician services a covered item. Choosing the higher $125 fee lowers your monthly premium, while the $75 option results in a higher monthly cost.
AFC Home Warranty also offers monthly, annual, and three-year payment options. Paying annually can provide savings compared with monthly payments, while the three-year option locks in your rate for a longer period.
Add-on Costs
Most add-ons are billed annually, except for Electronics coverage, which is priced monthly. For example, central vacuum coverage costs $25 per year, adding about $2 to the monthly plan cost. Add-on prices range from $25–$150 per year and remain consistent across all plan tiers. Additionally, roof leak coverage is included at no extra cost with all plans, a valuable perk since most providers charge for this service.
We’ve outlined the available add-ons and pricing below:
AFC Home Warranty Add-On Fees
| Add-On Coverage | Annual Cost |
|---|---|
| Roof-leak coverage | $0 |
| Electronics | $25 |
| Standalone freezer | $25 |
| Sump pump | $35 |
| Septic system | $50 |
| Well pump | $50 |
| In-ground pool and spa | $150 |
Discounts
AFC Home Warranty provides several discounts to help reduce plan costs:
Signing up through AFC Home Warranty’s website qualifies for a $100 discount, applied upfront to reduce the first year’s cost. This discount can be combined with other promotional offers.
AFC Home Warranty runs sales throughout the year. For example, during a Fall Sale in October, the company offered $250 off plus free roof leak protection.
Homeowners purchasing coverage for multiple properties receive reduced rates. Customers must contact support for specific details.
Opting for a three-year plan instead of a one-year plan provides additional savings, with discount amounts varying based on the selected plan and service call fee.
How Does AFC Home Warranty Compare to Other Top Providers?
AFC Home Warranty offers competitive pricing compared with other top home warranty providers, particularly with its $75 service call fee option. The table below compares monthly costs and service call fees across providers.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $44–$82 | $75–$125 | ||
D+ | $57–$68 | $65–$125 | ||
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B+ | $77–$130 | $100–$125 |
Note: Better Business Bureau (BBB) ratings are accurate as of the time of publishing. NR, or “No Rating,” indicates that the BBB has not issued a rating due to an ongoing review or update to a company’s profile
What Do Customers Say About AFC Home Warranty?
AFC Home Warranty customers generally reported positive experiences with claims and customer service, although some raised concerns about low payouts, depreciation, and repair delays. We found these themes after reviewing customer feedback on the Better Business Bureau (BBB), Trustpilot, and Reddit. We also analyzed our 2026 survey of 2,000 homeowners nationwide, including respondents who chose AFC Home Warranty.
Insights From Customer Reviews and Our Survey
Positive reviews we analyzed mentioned quick claims processing, helpful customer service, and the option to choose your own technician. Negative reviews often focused on lower-than-expected payouts, especially for older systems and appliances. Reddit users raised similar concerns about depreciation and payout amounts, along with claim denials and frustrations with contract terms.
Some reviewers also mentioned repair delays and communication problems with technicians. Our tester had a similar experience when miscommunication between AFC Home Warranty and her contractor caused issues during her repair appointment.
Our survey showed generally positive experiences among AFC Home Warranty customers:
- 92% were satisfied or very satisfied with their current plan.
- 89% said their most recent claim was approved.
- 90% of respondents who rated their most recent claim outcome were satisfied or very satisfied with the result.
- 84% said they planned to renew their coverage.
Our survey results were more positive than the feedback we found on Reddit. While most AFC Home Warranty customers in our survey were happy with their coverage and recent claims, Reddit users more often shared concerns about low payouts, depreciation, and denied claims. We recommend reading the company’s payout and depreciation terms closely, so you know how much coverage to expect for older items.
Our Experience With AFC Home Warranty
We signed up for AFC Home Warranty coverage and submitted claims to evaluate the customer experience firsthand. We found the online sign-up process easy to navigate, although some plan and coverage details required additional clarification from customer service.
Signing Up
You can sign up for AFC Home Warranty online or by phone. Our tester used the online quote tool, which allowed her to compare plans and adjust the payment frequency, plan length, and service call fee. The tool updated pricing as she changed these options and automatically applied available promotional discounts.
When we requested an online quote for a home in Atlanta, the Silver Plan wasn’t available. The quote tool only displayed the Gold, Platinum, and Diamond plans. Customer support told us that when the Diamond Plan is available in a state, it replaces the Silver Plan in the online quote tool. We had to contact customer service directly to get Silver Plan pricing.
The quote tool also lets you select optional add-ons, which are initially displayed with annual pricing. When our tester added standalone freezer coverage for $25 per year, her monthly price increased by $2.08, from $53 to $55.
After selecting a plan and confirming her address, our tester paid by credit card and received an email confirmation with her effective service date. AFC Home Warranty accepts credit and debit cards for plan payments.
One detail caused some confusion during signup. Our tester’s confirmation listed her effective date as the same day she enrolled, even though AFC Home Warranty had a 30-day waiting period before coverage began. Homeowners should confirm when their coverage actually starts rather than relying on the effective date listed in the initial confirmation.
Filing Claims
You can file a claim through AFC Home Warranty’s online portal or 24/7 claims phone line. Our tester used the online portal to file a claim for a toilet that wouldn’t stop running. The entire process took about five minutes, and she found the portal easy to use.
Step 1: Open a Claim
Our tester selected “Service Requests” and then “New Request” from the online portal to start her claim. The portal also displayed details about her plan and coverage.
Step 2: Detail the Item Issue
Next, our tester selected the affected item and provided the date the problem started, a description of the issue, and information about previous problems. AFC Home Warranty also required the item’s make, model, serial number, and manufacturer date before assigning a technician or approving the claim.
Step 3: Choose Your Technician Option, Service Date, and Submit
The portal let our tester choose her own technician or have one assigned. She also selected multiple days she was available for service. The portal didn’t allow her to choose a specific appointment time, and service could be scheduled between 8 a.m. and 6 p.m.
After submitting the claim, our tester received an email confirming the submission but also received a text telling her to call to complete the process. When she called, a representative confirmed that her online claim was already complete and no additional action was necessary.
Our tester scheduled the repair for about a week later. The first technician completed the repair, but the toilet started having the same problem again several days later. She filed another claim and was assigned a second technician, who resolved the issue. Although she paid a service call fee for the first visit, AFC Home Warranty didn’t charge another fee for the follow-up repair.
Despite needing two technician visits, our tester was satisfied with the overall service. Her experience also demonstrated the value of AFC Home Warranty’s workmanship guarantee, since she didn’t have to pay another service call fee when the initial repair failed.
Homeowner Insights
Our 2026 survey showed that replacements were more common than repairs among AFC Home Warranty customers with resolved claims. Of respondents who reported how their most recent claim was resolved, 55% received a replacement and 31% received a repair.
Advice From a Homeowner
Our tester learned that communication between AFC Home Warranty and your contractor can be important when scheduling a covered repair. During her first service appointment, neither she nor the contractor knew that the technician needed to contact the company from her home before completing the repair.
She said, “When I booked the first contractor, the warranty provider did not inform me that the contractor needed to contact the warranty provider once he was at the house to confirm that the fix would be covered. Apparently, the contractor did not know this either.”
The missing step delayed the repair. Before your appointment, we recommend confirming with both AFC Home Warranty and your contractor whether the technician needs to contact the company before starting work.
Our tester said, “When the second contractor had to come out, I made sure he called the provider before he proceeded, and that went smoothly.”
Her second experience shows why confirming the claims process before a technician begins work can help prevent unnecessary delays.
Is AFC Home Warranty Worth It?
AFC Home Warranty is worth considering if you want the flexibility to choose your own technician, a long workmanship guarantee, and relatively affordable coverage. It may be less suitable if you have older systems and appliances, since the company’s depreciation policy can reduce payouts for items more than five years old. The $10,000 annual coverage limit could also increase your out-of-pocket costs if you need several expensive repairs in one year.
Before choosing AFC Home Warranty, consider the age and condition of the items you want to cover and review the company’s coverage limits and depreciation terms. We also recommend comparing quotes from at least three home warranty providers to find the right balance of coverage and cost.
FAQs About AFC Home Warranty
What is the waiting period for AFC Home Warranty?
AFC Home Warranty typically has a 30-day waiting period before coverage begins. During our testing, our confirmation listed the sign-up date as the effective date, even though coverage didn’t begin until after the waiting period.
How much are AFC Home Warranty’s service call fees?
AFC Home Warranty offered $75 and $125 service call fees during our online secret shopping. The service call fee is what you pay when you request service for a covered repair, and choosing the higher fee can lower your plan cost.
Can you choose your own technician with AFC Home Warranty?
Yes, AFC Home Warranty allows you to choose your own technician for covered repairs. However, you must receive approval from the company before the technician begins work and follow its contractor requirements.
Does AFC Home Warranty cover preexisting conditions?
AFC Home Warranty generally excludes preexisting conditions from coverage. Review your specific contract before enrolling to understand how the company defines preexisting conditions and other excluded issues.
Our Rating Methodology for Home Warranty Companies
We back up our home warranty ratings and recommendations with a detailed methodology designed to objectively evaluate each provider. Our research includes reviewing coverage options, analyzing sample contracts, and researching providers directly. We also collected nearly 4,000 quotes from 13 home warranty companies across all 50 states, using sample addresses for homes of different sizes to analyze pricing.
We complement this research with original consumer research and hands-on testing. We surveyed 2,000 home warranty policyholders nationwide about their experiences and tested providers’ online quote tools and customer support. Over a two-year period, we also purchased home warranty plans from 11 leading providers, allowing us to experience the enrollment and claims processes ourselves.
We use these findings to evaluate each provider across 23 factors in six weighted categories: coverage (35%), cost (20%), trustworthiness (15%), plan transparency (10%), customer support (10%), and flexibility (10%). Each factor receives a point value based on its importance to homeowners, for a total possible score of 100 points. We then convert each provider’s score to a 5-star rating.
To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.
