AFC Home Club 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 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 90 out of 100 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.


Summary of the Best Home Warranty Companies

Superlative Monthly Cost Service Fee BBB Rating Link
Liberty Home Guard Best Customer Ratings $49–$60 $65–$125 A+
American Home Shield Best for Comprehensive Coverage $64–$74 $100–$125 B
Select Home Warranty Best Value $44–$48 $60–$75 B-
AFC Home Club Best for Customization $48–$55 $75–$125 B
First American Home Warranty Best Appliance Coverage $60–$76 $75–$125 B
Cinch Home Services Best Additional Perks $47–$64 $100–$150 B
2-10 Home Buyers Warranty Cheapest Appliances Plan $22–$74 $65–$100 B+
Liberty Home Guard
Logo Liberty Home Guard
Superlative Best Customer Ratings
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating A+
American Home Shield
Logo American Home Shield
Superlative Best for Comprehensive Coverage
Monthly Cost $64–$74
Service Fee $100–$125
BBB Rating B
Select Home Warranty
Logo Select Home Warranty
Superlative Best Value
Monthly Cost $44–$48
Service Fee $60–$75
BBB Rating B-
AFC Home Club
Logo AFC Home Club
Superlative Best for Customization
Monthly Cost $48–$55
Service Fee $75–$125
BBB Rating B
First American Home Warranty
Logo First American Home Warranty
Superlative Best Appliance Coverage
Monthly Cost $60–$76
Service Fee $75–$125
BBB Rating B
Cinch Home Services
Logo Cinch Home Services
Superlative Best Additional Perks
Monthly Cost $47–$64
Service Fee $100–$150
BBB Rating B
2-10 Home Buyers Warranty
Logo 2-10 Home Buyers Warranty
Superlative Cheapest Appliances Plan
Monthly Cost $22–$74
Service Fee $65–$100
BBB Rating B+


Annual Home Warranty Cost Calculator

Our team 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.

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

Lifespan and repair cost data sourced from InterNACHI and Home Depot


Pros and Cons of AFC Home Club

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

Pros 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
Cons 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.

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 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.

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 California or Hawaii.


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:

“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 Club 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 Club.” — Jerry Dean H. on March 10, 2023


Our Conclusion

The This Old House Reviews Team rated AFC Home Club 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 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.

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


Frequently Asked Questions


Company Information

  • Company name: America’s First Choice Home Club (AFC Home Club)
  • CEO: John B. Craddock
  • Address: 1337 Canton Road, Suite B
  • City/State: Marietta, GA
  • Zipcode: 30066


Our Rating Methodology

The This Old House Reviews Team backs 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