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AFC Home Warranty vs. American Home Shield

We compared AFC Home Warranty and American Home Shield on their home warranty coverage offerings, customer reviews, and pricing to help you decide which provider is best for your home.

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 04/11/2024

Looking for a comparison of AFC Home Warranty vs. American Home Shield? AFC Home Warranty and American Home Shield both offer home warranty plans across the U.S. that protect major appliances and systems from expensive repairs. We analyzed both providers’ plans, pricing, and customer reviews to help you determine which offers the best home warranty for your home protection needs.

Best for Comprehensive Coverage
$150 Off Any Plan
Best for Customization
Spring Sale: $250 off + free roof leak coverage

What’s Our Take on AFC Home Warranty vs. American Home Shield?

American Home Shield offers coverage in more states nationwide, has more customizable plan options, and has more years of experience. However, AFC Home Warranty has less expensive monthly premiums.

Both AHS and AFC hold a B rating with the BBB and have service fees of $75–$125.

AFC Home Warranty vs. American Home Shield: Side-by-Side Comparison

ComparisonAFC Home WarrantyAmerican Home Shield
This Old House rating4.6 out of 5 stars4.4 out of 5 stars
Get a free quoteVisit siteVisit site
Plan optionsPlatinum, Gold, Silver, Systems, and optional add-onsShieldSilver™, ShieldGold™, ShieldPlatinum™, and optional add-ons
Monthly premiums$37–$60 per month$40–$57 per month
Service fee deductible$75–$125$75–$125
State availability46 states (all except Hawaii, California, South Carolina, and Nevada)49 states (all except Alaska)
BBB ratingBB
Years in business1048

Pros and Cons of AFC Home Warranty

Offers four different coverage plans and optional add-ons
Guarantees parts and labor for the life of a customer’s membership
Holds a BBB accreditation
Only has 10 years of experience in the home warranty industry
Not available in Hawaii or California

AFC Home Warranty offers four different coverage plans with a service guarantee that lasts for the entire duration of a homeowner’s membership. Not to mention, AFC Home Warranty offers unique benefits like free credit monitoring and discounts on maintenance-related parts and supplies.

To save up to $150 on a new plan, call AFC Home Warranty at 877-755-1115 or fill out this quick form.

Pros and Cons of American Home Shield

Offers coverage for damage due to rust and corrosion
Has more than 45 years of experience in the industry
Provides 24/7 customer service
Doesn’t let customers choose their own contractor for repairs
Service guarantee is shorter than AFC Home Warranty’s guarantee

The longest-running and most popular home warranty company, American Home Shield has millions of customers nationwide and a large contractor network of more than 16,000 independent professionals. Aside from its trustworthiness, American Home Shield offers some of the most comprehensive coverage available and covers items with undetectable pre-existing conditions.

For $50 off of a new plan, call American Home Shield at 844-529-9298 or complete this quick form.

How Does AFC Home Warranty vs. American Home Shield Coverage Compare?

AFC Home Warranty offers four coverage plans, while American Home Shield offers three. Keep reading to learn how each company’s coverage plans stack up against each other.

AFC Home Warranty Coverage

AFC Home Warranty offers four different coverage plans: a Platinum Plan, Gold Plan, Silver Plan, and System Plan. The Platinum Plan is AFC Home Warranty’s most comprehensive plan, while the System Plan only covers systems and the Silver Plan only covers appliances. The company’s Gold Plan covers everything in the Platinum Plan, except for plumbing stoppages, an ice maker, and a built-in microwave.

Here’s what each AFC Home Warranty plan covers:

AFC Home Warranty Coverage Breakdown

PlanSystem PlanSilver PlanGold PlanPlatinum Plan
Air Conditioning/Cooler
Heating Systems
Water Heater
Electrical System
Plumbing System
Plumbing Stoppages
Clothes Dryer
Clothes Washer
Kitchen Refrigerator
Ice Maker
Garbage Disposal
Garage Door Opener
Built-in Microwave

AFC Home Warranty also offers six optional add-ons:

  • Sump pump
  • Septic system
  • Hot water dispenser
  • Pool and spa
  • Stand alone freezer
  • Tankless water heater

American Home Shield Coverage

There are three American Home Shield plans: ShieldSilver™, ShieldGold™, and ShieldPlatinum™. ShieldPlatinum offers protection for both systems and appliances with additional benefits like roof leak coverage. ShieldGold covers essential home appliances and systems, and ShieldSilver protects major home systems.

The table below shows the specific items covered under each American Home Shield plan:

AHS Coverage Breakdown

Systems and AppliancesShieldSilver™ShieldGold™ShieldPlatinum™
Air Conditioning
Heating System
Smoke Detectors
Ceiling Fans
Plumbing and Stoppages
Water Heaters
Water Dispensers
Central Vacuums
Ranges, Ovens, and Cooktops
Clothes Washer
Clothes Dryers
Built-In Microwave
Trash Compactors
Freestanding Ice Maker
Garage Door Opener
Built-In Food Centers
Coverage Boost
Roof Leak Coverage

In addition to these plans, American Home Shield offers five optional add-ons:

  • Electronic extended warranty
  • Septic pump
  • Well pump
  • Pool and spa
  • Guest units up to 750 square feet

How Does AFC Home Warranty vs. American Home Shield Cost Compare?

AFC Home Warranty and American Home Shield offer coverage plans at roughly the same monthly cost, but the low end of American Home Shield’s monthly cost range can be more expensive than that of AFC Home Warranty.

Both companies offer the ability to choose a service fee between $75 and $125. Customers who choose a lower service fee will usually pay a higher monthly premium, while customers who choose a higher service fee will have a relatively lower monthly premium.

Home Warranty Cost Comparison

CompanyAFC Home WarrantyAmerican Home Shield
Monthly premium cost$43–$60 per month$39.99–$57.99 per month
Service fee deductible$75–$125$75–$125

How Does AFC Home Warranty vs. American Home Shield Warranties Compare?

AFC Home Warranty guarantees parts and labor on covered repairs made under its plans for the entirety of a customer’s membership, a rarity in the home warranty industry, while American Home Shield provides a 60-day service guarantee on parts and labor.

How Does AFC Home Warranty vs. American Home Shield Review Compare?

American Home Shield and AFC Home Warranty received a B rating from the Better Business Bureau (BBB) and are both accredited by the organization. Regarding customer reviews, AFC Home Warranty reviews have been slightly more positive than American Home Shield reviews. However, American Home Shield has received substantially more customer reviews than AFC Home Warranty.

Home Warranty Customer Reviews Comparison

CompanyAFC Home WarrantyAmerican Home Shield
BBB ratingBB
BBB accreditationYesYes
Number of customer reviews on BBB webpage242 reviews6,247 reviews
BBB customer review rating (out of 5 stars)3 stars2 ½ stars

Who’s Our Top Pick?

AFC Home Warranty and American Home Shield are two of the best home warranty companies in the industry. They both offer extensive coverage plans at relatively affordable pricing and hold a B rating from the BBB.

If you’re looking for a generous warranty or want unique benefits with your home warranty plan, consider AFC Home Warranty. If you want coverage for any undetectable pre-existing conditions, items damaged due to rust or corrosion, or improper installations, American Home Shield may be a good option. Customers who live in Hawaii or California may also prefer American Home Shield since AFC Home Warranty doesn’t offer services in those states.

Best for Comprehensive Coverage
$150 Off Any Plan
Best for Customization
Spring Sale: $250 off + free roof leak coverage

Before buying a home warranty, we recommend getting quotes from AFC Home Warranty and American Home Shield using the panel above. Doing so will help you compare current pricing and promotions for your home. For more information on each of these providers, read our AFC Home Warranty review and American Home Shield review.

FAQs About Home Warranties

How does AFC Home Warranty’s service guarantee compare to American Home Shield’s service guarantee?

AFC Home Warranty guarantees parts and labor for the duration of your membership on repairs completed while coverage is in effect, while American Home Shield offers a 60-day guarantee on parts and labor.

Do AFC Home Warranty and American Home Shield cover air conditioning systems?

Both AFC Home Warranty and American Home Shield cover air conditioning systems in their plans. AFC Home Warranty covers air conditioning in its System, Gold, and Platinum Plans. American Home Shield covers air conditioning in all of its plans.

What is the difference between homeowners insurance and a home warranty?

A home warranty, also known as a home service contract, protects homeowners from expensive repair bills caused by normal wear and tear, while homeowners insurance protects your house and its belongings in the event of a destructive event, such as a fire, flood, or theft.

How does a home warranty work?

Homeowners pay a monthly payment, also called a premium, of about $25 to $60 per month for their plan. When they need a repair or replacement on a covered item, homeowners submit a service request with their home warranty company and pay a service fee typically between $60–$125.

What is the waiting period on a home warranty?

In general, there’s a waiting period of 30 days after purchasing a home warranty before you can file your first claim with the company. Both AFC Home Warranty and American Home Shield have a 30-day waiting period.

What are some other top home warranty companies?

In addition to American Home Shield and AFC Home Warranty, here are some other top-rated home warranty companies that made our list:

Related Home Warranty Provider Comparisons

Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs. 
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability. 
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician. 
    • Claims process
    • Guaranteed response time
    • Service flexibility

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