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AFC Home Warranty Review (2024)

Author Icon Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 03/29/2024

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

AFC Home Warranty is one of the best home warranty companies. The company has been around for 12 years and is trusted in its industry. In this AFC Home Warranty review, you’ll find information about plans, pricing, customer feedback, and how the company compares to the competition.

AFC Home Warranty
Phone: 877-755-1115
BBB Rating: B
Monthly Cost: $38–$64
Service Fee: $75–$125
AFC Home Warranty stands out due to its customization options
  • Parts and labor guarantee throughout membership
  • Free credit monitoring and Emergency Alert Network services
  • 24/7 customer service
  • Most submit a claim within one day
  • $75 cancellation fee
  • Monthly Cost: $64 – $74
  • Service Fee: $75 – $125
  • BBB Rating: B
  • Plan Options: Four (Systems Plan, Silver Plan, Gold Plan, Platinum Plan)
  • Known for: Best for Customization

AFC Home Warranty offers four different plan options: Systems Plan, Silver Plan, Gold Plan, and Platinum Plan.

The table below highlights AFC’s covered items in each plan:

  • $3,000 for all plans
  • Systems plan and up has unlimited coverage cap

Our Review of AFC Home Warranty

We gave AFC Home Warranty a 4.6 out of 5 stars and named it the home warranty company that’s ‘Best for Customization’ for 2024.

It has a wide variety of plans, has nationwide availability, and holds a B rating from the BBB thanks to its ease of use and quick response times.

What are the Pros and Cons of AFC Home Warranty?

Here are some of the pros and cons of AFC Home Warranty:

Guarantees parts and labor for the life of your membership
Has a coverage cap of $3,000, which is higher than most providers
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

What Plans and Coverage Options Does AFC Home Warranty Offer?

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

Item CoveredSystemsSilverGoldPlatinum
Air conditioning-
Water heater-
Plumbing stoppages--
Clothes dryer/washer-
Garbage disposal-
Garage door opener-
Built-in microwave---
Ice maker---

In addition to these plans, AFC Home Warranty also offers optional coverage for items such as:

  • Sump pumps
  • Well pumps
  • Pools and spas
  • Septic systems
  • Hot water dispensers
  • Standalone freezers
  • Central vacuums
  • Tankless water heaters

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.

How Much Does AFC Home Warranty Cost?

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.

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.

What is AFC Home Warranty's State Availability?

AFC Home Warranty is available in 48 states nationwide. It is not available in California or Hawaii.

AFC Home Warranty Reviews

After reading hundreds of customer reviews about AFC Home Warranty and rating the company based on factors such as price, state availability, and customer service, we recommend AFC Home Warranty as a top home warranty provider. In particular, homeowners seeking a wide range of plan options should get a quote from AFC Home Warranty, 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.

AFC Home Warranty has mostly positive reviews from customers, with some praising the company's quick response times and easy claims process, while negative reviews express dissatisfaction with low reimbursement amounts for repairs or replacements.

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

“I am so grateful for this service On a Sunday my dryer went out I called and within 1 hour a repair service called me. My dryer was repaired by 10 am Monday morning.” — Elayne M. on March 10, 2023

“My air conditioning unit went out and it cost $3,000.00 to replace. AFC gave me $400.00 and told me that the unit was only worth that after depreciation. What’s the point in having a home warranty if they only give you salvage value when it breaks down?” — Paul D. on December 30, 2022

“AFC Home Warranty is very easy to do business with. They handled several claims for me in the past two years. Each was quick and easy. I highly recommend AFC Home Warranty.” — Jerry Dean H. on March 10, 2023

AFC Home Warranty vs. Competitors

Monthly Cost Service Fee Response Time BBB Rating Link
Liberty Home Guard Liberty Home Guard $49–$59 $65–$125 Up to 48 hours NR VISIT SITE
American Home Shield American Home Shield $29–$89 $100–$125 Up to 48 hours B VISIT SITE
Elite Home Warranty Elite Home Warranty $44–$58 $70 Up to 48 hours A+ VISIT SITE
Select Home Warranty Select Home Warranty $44–$47 $60–$75 48-84 hours B VISIT SITE
AFC Home Warranty AFC Home Warranty $38–$64 $75–$125 24-48 hours B VISIT SITE
First American Home Warranty First American Home Warranty $42–$82 $75–$125 4-48 hours B VISIT SITE
Cinch Home Services Cinch Home Services $30–$56 $100–$150 2-24 hours B+ VISIT SITE
2-10 Home Buyers Warranty 2-10 Home Buyers Warranty $27–$70 $65–$100 Up to 48 hours A VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating NR
American Home Shield
Logo American Home Shield
Monthly Cost $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
Elite Home Warranty
Logo Elite Home Warranty
Monthly Cost $44–$58
Service Fee $70
Response Time Up to 48 hours
BBB Rating A+
Select Home Warranty
Logo Select Home Warranty
Monthly Cost $44–$47
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B
AFC Home Warranty
Logo AFC Home Warranty
Monthly Cost $38–$64
Service Fee $75–$125
Response Time 24-48 hours
BBB Rating B
First American Home Warranty
Logo First American Home Warranty
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
BBB Rating B
Cinch Home Services
Logo Cinch Home Services
Monthly Cost $30–$56
Service Fee $100–$150
Response Time 2-24 hours
BBB Rating B+
2-10 Home Buyers Warranty
Logo 2-10 Home Buyers Warranty
Monthly Cost $27–$70
Service Fee $65–$100
Response Time Up to 48 hours
BBB Rating A
Company BBB Rating Monthly Cost Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
B $44–$47 $60–$75 VISIT SITE
B $38–$64 $75–$125 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B+ $30–$56 $100–$150 VISIT SITE
A $27–$70 $65–$100 VISIT SITE
No results were found.

Annual Home Warranty Cost Calculator

We created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

ApplianceAverage Repair CostAverage Replacement Cost










Exhaust Fans



Electric Range



Gas Range


















Lifespan and repair cost data sourced from InterNACHI and Home Depot

AFC Home Warranty Review - Our Final Take

We rated AFC Home Warranty 90 out of 100. 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 Warranty 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 Warranty isn't 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 Warranty warranty today by calling 877-755-1115 or using the tool below:

Unsure if AFC Home Warranty 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.

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

Frequently Asked Questions

What is AFC Home Warranty?

AFC Home Warranty 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 Warranty 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 Warranty 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 Warranty?

AFC Home Warranty 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 Warranty?

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

Does AFC Home Warranty 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 Warranty (AFC Home Warranty)
  • CEO: John B. Craddock
  • Address: 1337 Canton Road, Suite B
  • City/State: Marietta, GA
  • Zipcode: 30066

Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.  

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.