AFC Home Warranty offers flexibility by allowing homeowners to hire their own contractors instead of relying solely on its network. A standout feature is its workmanship guarantee, which extends for the entire term of your home warranty plan, surpassing the industry standard of 30 days. This extended guarantee protects homeowners from recurring issues without additional service fees, providing long-term peace of mind. Combined with its contractor choice policy, AFC Home Warranty gives homeowners greater control over repairs while guaranteeing that covered work remains reliable for the plan’s duration.
Keep reading to learn how AFC Home Warranty stacks up against other top home warranty companies.
Our Take on AFC Home Warranty
AFC Home Warranty offers solid protection for homeowners who value flexibility and want more control over their repairs. The company allows you to choose your own contractor for repairs, which is a major perk if you don’t want to rely solely on technicians in AFC Home Warranty’s network. Another area where AFC Home Warranty stands out is its workmanship guarantee, which waives service fees for follow-up repairs for the entire term of your plan. This is longer than the industry standard of 30–60 days. This means that if a system or appliance fails again after the initial repair while your warranty is active, you won’t incur any additional charges for the repair or replacement.
However, AFC Home Warranty’s depreciation policy for claims on items five years or older can limit payouts, making it less ideal for homeowners with aging systems or appliances. For example, if your refrigerator is more than five years old, AFC Home Warranty will give you less money to replace it. The $10,000 annual aggregate limit may also be a drawback if you anticipate needing frequent repairs on your highest-value items. If your repair costs exceed $10,000 in a year, you’re responsible for paying the difference out of pocket.
According to customer reviews we read on third-party review sites, AFC Home Warranty customers like the quick claims processing and the flexibility to choose their own technician. However, some homeowners reported lower-than-expected claim payouts, delayed repairs, and communication issues between AFC Home Warranty and its technicians.
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 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
AFC Home Warranty Coverage
Our 2025 survey of 2,000 home warranty customers nationwide found that 70% preferred a combination plan covering both systems and appliances. To meet this demand, AFC Home Warranty offers flexible coverage options, including appliance-only plans and comprehensive bundles. Its four plans—Silver, Gold, Platinum, and Diamond—provide varying levels of home coverage. Here’s a breakdown of what each plan covers.
Silver Plan
This appliance-only plan covers nine major home appliances, including cooktops, garage door openers, and kitchen refrigerators. AFC Home Warranty provides coverage ranging from $150–$3,000 per appliance, with laundry appliances capped at $3,000 and garage door openers at $500. These coverage caps are the maximum the company will pay toward repairs or a replacement.
Gold Plan
This comprehensive plan protects 15 appliances and home systems, including plumbing, electrical, and HVAC systems. Unlike many providers, AFC Home Warranty covers multiple heating and cooling units. The company also has no coverage caps for heating, cooling, and water heaters. However, other systems have coverage limits between $150 and $500, which is lower than many competitors—AFC Home Warranty’s $500 plumbing coverage cap is about 50% lower than industry standards.
Platinum Plan
The Platinum Plan extends coverage to 20 appliances and systems, adding plumbing stoppages, faucets, refrigerator ice makers, built-in microwaves, and fans. Coverage caps remain the same as with the Gold Plan.
Diamond Plan
AFC Home Warranty’s top-tier Diamond Plan expands on the Platinum Plan by including electronics, exterior sewer lines, and exterior water lines.
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 | 𝗫 | ✔ | ✔ | ✔ |
| Air conditioning | 𝗫 | ✔ | ✔ | ✔ |
| Heating systems | 𝗫 | ✔ | ✔ | ✔ |
| Electrical system | 𝗫 | ✔ | ✔ | ✔ |
| Plumbing system | 𝗫 | ✔ | ✔ | ✔ |
| Ductwork | 𝗫 | ✔ | ✔ | ✔ |
| Plumbing stoppages | 𝗫 | 𝗫 | ✔ | ✔ |
| Ice maker | 𝗫 | 𝗫 | ✔ | ✔ |
| Faucets | 𝗫 | 𝗫 | ✔ | ✔ |
| Built-in microwave | 𝗫 | 𝗫 | ✔ | ✔ |
| Fans (attic, exhaust, ceiling) | 𝗫 | 𝗫 | ✔ | ✔ |
| Smartphone and electronics | 𝗫 | 𝗫 | 𝗫 | ✔ |
| Exterior sewer lines | 𝗫 | 𝗫 | 𝗫 | ✔ |
| Exterior water lines | 𝗫 | 𝗫 | 𝗫 | ✔ |
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:
- Electronics
- In-ground pool
- In-ground spa
- Roof-leak coverage
- Septic system
- Standalone freezer
- Sump pump
- Well pump
Workmanship Guarantee
A standout feature of AFC Home Warranty is its industry-leading workmanship guarantee. Unlike many providers that offer only 30–60 days of coverage, AFC Home Warranty extends its guarantee for the entire duration of an active plan. This long-term protection can result in significant savings by eliminating extra costs for repeat repairs. For homeowners seeking reliability, this guarantee is a major advantage.
The Fine Print
AFC Home Warranty has exclusions that homeowners should note when reviewing a sample contract. Like most warranty providers, it does not cover damage resulting from poor maintenance or cosmetic issues such as scratches and dents that do not impact functionality. Structural problems, including foundation or framework issues, are also excluded from coverage. Additionally, damages caused by manufacturer recalls, natural disasters such as floods or earthquakes, and preexisting conditions—issues that existed before coverage began—are not covered. Understanding these exclusions helps homeowners make informed decisions about their warranty options.
AFC Home Warranty also has some unique policies that customers should know about. If you spot an issue with an appliance or system, you need to submit your claim within one day. Don’t forget to include the make, model, and serial number, because without these details, AFC Home Warranty can’t process your repair. The company also offers a cash payout for items with coverage limits under $250.
Another thing to keep in mind is that you’ll need pre-approval if you choose your own technician. AFC Home Warranty may deny reimbursement if your technician isn’t licensed by the state, has proper insurance, or causes additional damage during the repair process. So, it’s always best to work with a qualified professional.
AFC Home Warranty Cost
The cost of AFC Home Warranty coverage depends on the selected plan, optional add-ons, and service call fee. To provide a clearer picture, we’ve outlined average home warranty costs for AFC Home Warranty. Monthly and annual pricing are based on over 300 sample quotes we pulled for single-family homes nationwide under and over 5,000 square feet. We then averaged those costs to find the typical price range homeowners can expect.
Plan Cost
On average, AFC Home Warranty plans range from $44–$82 per month. AFC Home Warranty doesn’t include pricing for its lowest plan, the Silver Plan, online. You must call in to get these pricing details. Its Gold Plan costs around $44 per month and the Platinum Plan at $51. The most comprehensive plan, the Diamond Plan, averages around $82 monthly.
AFC Home Warranty allows customers to choose between monthly or annual payments, with annual plans offering greater cost savings. For even more savings, AFC Home Warranty also provides a 3-year plan that locks in rates and eliminates the need for yearly renewals. This extended coverage can be beneficial for those seeking stability, though it may not be ideal if you prefer a more flexible term length.
The service call fee you select at signup directly affects your overall cost. This fee is charged each time you request a repair. AFC Home Warranty offers two options: $75 or $125. Opting for the higher $125 fee lowers your monthly or annual premium.
Here’s an overview of AFC Home Warranty plan pricing and service call fees:
AFC Home Warranty Plan Cost by Payment Frequency
| Monthly Payment | ||||
| Silver Plan | Gold Plan | Platinum Plan | Diamond Plan | |
| $75 Service Fee | Call for a quote | $47 | $55 | $86 |
| $125 Service Call Fee | Call for a quote | $40 | $47 | $78 |
| 1-Year Annual Payment | ||||
| Silver Plan | Gold Plan | Platinum Plan | Diamond Plan | |
| $75 Service Fee | Call for a quote | $521 | $602 | $944 |
| $125 Service Call Fee | Call for a quote | $440 | $521 | $623 |
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 |
| Standalone freezer | $25 |
| Sump pump | $35 |
| Septic system | $50 |
| Well pump | $50 |
| In-ground pool and spa | $150 |
| Add-on Coverage | Monthly Cost |
|---|---|
| Electronics coverage | $25 |
Discounts
AFC Home Warranty provides several discounts to help reduce plan costs:
- Online signup discount: 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.
- Seasonal discounts: 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.
- Multi-property discounts: Homeowners purchasing coverage for multiple properties receive reduced rates. Customers must contact support for specific details.
- Extended multi-year discounts: 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.
Comparing AFC Home Warranty to Other Top Providers
AFC Home Warranty received a rating of 4.6 out of 5 stars based on our review methodology. It offers monthly plan costs ranging from $44–$82 and service fees between $75 and $125, making it a competitive choice for homeowners. While First American Home Warranty matches AFC Home Warranty’s star rating from our team, it charges higher service call fees and plan rates by comparison. Although American Home Shield has a higher rating of 4.8 stars, its service fees start at a higher cost, suggesting that AFC Home Warranty may provide better value. If cost is a concern, Choice Home Warranty and Elite Home Warranty offer cheaper plan options.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $44–$82 | $75–$125 | ||
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $77–$130 | $100–$125 |
Note: BBB ratings are accurate as of February 2025.
Customer Reviews: Reddit, Trustpilot, and More
We reviewed hundreds of third-party AFC Home Warranty reviews on the Better Business Bureau (BBB), Reddit, and Trustpilot to understand the typical customer experience. From there, we identified common themes within reviews.
Positive reviews of AFC Home Warranty highlighted the company’s quick claim processing and fast response times. Customers appreciated being able to choose their own technician, which added convenience to the repair process. Many reviewers also noted the personalized customer service—some customers were assigned a dedicated agent to assist with their claims, which made the experience smoother and more efficient.
Some reviewers were disappointed with claims payouts, noting they were lower than expected. In fact, some homeowners said they were unaware of the depreciation policy that resulted in minimal payouts for their older items.
Communication issues and delays during the repair process are also common complaints. Some customers report that technicians arrived late or were unprepared for the job, leading to rescheduled appointments. Our tester also had an issue with miscommunication between AFC Home Warranty and her contractor during her repair appointment.
We’ve highlighted some sample reviews for AFC Home Warranty below:
“The ability to choose my own technician is very important to me. I know by doing so I get the caliber of person that I always have dealt with for the maintenance of my equipment. They also are very prompt in paying me for the [money] I spend to have the repair done. I would recommend AFC Home Warranty to anyone looking for a home warranty company!” —Charles, July 2023 on Trustpilot
“The maximum payouts for repairs or replacements are AFC Home Warranty’s depreciated value of the appliance or item in question, not the true cost of getting a replacement. About two months into my policy, I just had my old HVAC die, it needs a $3,000 repair, and they offered me $200. I’m canceling the policy … If you do not heed this warning, at least be sure to ask for their depreciation schedule so you can see the true max coverage on each of your appliances before signing up.” —Unfair-Half9387, September 2024 on Reddit
Our Experience With AFC Home Warranty
To learn more about the customer experience with AFC Home Warranty, we signed up for service and submitted claims. Below is a breakdown of our experiences.
Signing Up
You can start the sign-up process through AFC Home Warranty’s website or over the phone. Our tester signed up using the online quote tool. You can compare plan options and adjust your payment frequency, plan length, and service call fees. Switching between any of these options will immediately adjust your estimated costs. Any promotion discounts will also be applied immediately to the costs.
When requesting an online quote for a home in Atlanta, we found that the Silver plan wasn’t listed among the available options. Instead, we were only presented with quotes for the Gold, Platinum, and Diamond plans. We reached out to customer support and were informed that if the Diamond Plan is available in your state, AFC Home Warranty will replace the Silver Plan in the online tool. To receive a quote for the Silver Plan, you must contact customer service directly.
Once you choose your plan, you can select any optional add-ons. Since AFC Home Warranty lists its add-on options with annual pricing, you won’t see the monthly cost breakdown until you add the coverage. For example, when our tester added standalone freezer coverage for $25 per year, her adjusted monthly pricing updated from $53–$55 per month, reflecting the additional $2.08 monthly charge for that protection.
After confirming your home address, you can finish the signup process by paying for your services. AFC Home Warranty only allows debit or credit card payment for its plans. Once completed, you will receive an email confirmation for the transaction, including your effective service date.
We should note that our tester’s listed effective date was the same as her signup date, which was a bit confusing. However, AFC Home Warranty has a 30-day waiting period from that date before coverage officially begins, which is typical for a home warranty company.
Keep this waiting period in mind when you receive your signup confirmation and effective date.
Filing Claims
Similar to the signup process, you can file a claim through the online portal or the 24/7 claims phone line. Here’s an overview of our tester’s claims process experience:
Step 1: Open a Claim
Our team member started her claim using the online portal. AFC Home Warranty provides full details on your selected plan and coverage details on the main screen. From there, she selected “Service Requests” and then “New Request” to start the process.
Step 2: Detail the Item Issue
Next, select the item with the issue and include the issue start date, problem, and any previous issues you may have experienced. AFC Home Warranty requires certain item details, including make, model, serial number, and manufacturer date. These details must be provided before a technician can be assigned or before the claim can be approved. Our tester needed servicing for a toilet that wouldn’t stop running.
Step 3: Choose Your Technician Option, Service Date, and Submit
Next, you will have the option to choose your own technician or have one assigned for your repair. You must also select the days you are available for servicing. You can choose multiple days for your appointment; however, you can’t select a time. Appointment times can be set any time between 8 a.m. and 6 p.m. Once completed, you can submit your claim.
Our tester shared that the entire process took about five minutes, and she found the portal very intuitive and easy to use. However, there was some confusion after she submitted her claim. She received an email to confirm the submission and a text message that said she needed to call in to complete the process. When she did, the customer service representative stated that the claim process was completed successfully online and that she didn’t need to call in.
Our tester scheduled her appointment about a week after returning from a short vacation. The technician completed the repairs, but the problem returned after several days. She started the claims process again and was assigned a second technician to resolve the issue. Although she paid the service call fee for the first appointment, she didn’t pay a second fee for the follow-up visit.
Despite needing two technicians to resolve the toilet issue, she was satisfied with the service.
Advice From a Homeowner
One recurring theme in negative AFC Home Warranty reviews is miscommunication between the company and contractors, which can cause repair delays. Our tester experienced this firsthand when she scheduled her contractor for repairs. AFC Home Warranty didn’t inform her about a critical step that needed to happen once the technician arrived.
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.” This confusion caused a delay in getting the repair completed, as both the contractor and our tester were unaware of this key requirement.
To avoid similar delays, we advise that you communicate clearly with both AFC Home Warranty and your contractor before they arrive. Double-check that they know to contact AFC Home Warranty from the job site to confirm coverage. As our tester noted from her second experience, “When the second contractor had to come out, I made sure he called the provider before he proceeded, and that went smoothly.” This proactive approach can help guarantee a more efficient repair process.
Is AFC Home Warranty Worth It?
AFC Home Warranty is a solid choice for homeowners seeking affordable mid-tier coverage and who value the ability to choose their own technician. Although the company offers competitive coverage limits for some of its appliances, its systems coverage is less impressive, with several limits capped at $500, which is lower than many of its competitors. Additionally, a strict depreciation policy for items older than five years and a $10,000 annual coverage cap can limit value for homeowners with frequent repairs needed on older systems.
We recommend assessing your items’ age and condition before committing to any home warranty provider. We also encourage homeowners to get quotes from three or more providers to find competitive pricing.
How We Evaluated Home Warranty Providers
We use a comprehensive rating methodology to objectively evaluate each home warranty provider. Our research process included speaking with company representatives, obtaining quotes, analyzing sample contracts, and conducting homeowner surveys and focus groups. We also learned about the claims process firsthand by signing up for plans with 11 top home warranty providers.
Each provider is assessed across six key categories, each weighted based on its importance. This contributes to a total score of 100 points, which we then converted into a 5-star rating.
Here’s how our scoring system breaks down:
- Coverage: We assessed how comprehensive a provider’s coverage is, including unique item protection and high annual limits. Companies lost points for having long waiting periods or depreciation policies that reduce payouts for aging items.
- Cost: Providers with competitive pricing and reasonable service call fees received higher scores. We deducted points for excessive surcharges or hidden fees.
- Trustworthiness: We evaluated customer reviews on sites such as the Better Business Bureau and Trustpilot, considered responses to complaints, and checked for National Home Service Contract Association (NHSCA) membership. Legal issues and short workmanship guarantees resulted in lower scores.
- Plan transparency: Companies with clear policies, well-defined contract terms, and upfront disclosures earned more points.
- Customer support: Providers with multiple claims filing options, fast response times, and accessible support teams ranked higher.
- Flexibility: We awarded points for providers offering a variety of plans, extensive add-on options, the ability to choose your own technician, and flexible cancellation policies.
