AFC Home Club Review UPDATED Jul 2021

AFC offers three coverage plans – Gold, Silver, and Bronze. Logically, Bronze is the cheapest and the most basic one and only covers water heaters (both gas and electric), air conditioning, and heating systems or built-in wall units. Now, it may seem like this plan is too rudimentary, regardless of the price, but it’s actually quite convenient for landlords who lend property to people with their own appliances.

The Silver plan is more extensive and covers most of the standard home appliances found in every household: washer and dryer, refrigerator, water heater, oven, range, stove, cooktop, dishwasher, garbage disposal, and garage door opener.

The most complete and, therefore, the most expensive plan is Gold, which covers all the systems and appliances listed under Bronze and Silver plans, plus electrical systems (all interior wiring, circuit boards, and breakers, etc.), gas, plumbing systems (toilets, whirlpool baths, interior piping, and stoppages), ductwork, and telephone wires.

Optional items, such as double ovens, pool/spa equipment, sump pumps, well pumps, central vacuums, stand-alone freezers, septic systems and second refrigerator, are also available.

All three plans also come with retail buyers rebate (which can be used for Target, Home Depot, Macy’s, Staples, Best Buy and Bed, Bath and Beyond, among others), Restaurant.com gift cards (a $25 gift certificate each month), and Emergency Alert Network membership.

The prices depend on your location and some other factors, but the AFC website offers to calculate your quote for free, so you can get an idea of how much a home warranty plan of your choice might cost.

The annual claims limit is $7,500, which is perhaps the highest in the home warranty industry. There is a $60 service fee, which is average.

AFC is one of those companies that do not put their terms and conditions on their website, but a lot of information can be found in the FAQ section of the site. For instance, there is the information about the $60 service fee, regardless of the actual cost of repairing or replacing a home system or household appliance. We also learned that the annual claims cap is set at $7,500, which is significantly higher than what other home warranty companies offer, and there is no deductible.

AFC Home Club does not require a home inspection prior to signing a contract with you and the age of your systems and appliances does not matter, as long as they have not been misused or improperly installed.

However, for more detailed terms and conditions, all customers are strongly advised to read the actual terms and conditions which are included in the contract prior to signing. Another way to get this kind of information is to contact a customer service representative. While the contract and the customer support staff are very clear and transparent, we wish AFC would include their terms and conditions on their website.

AFC Home Club boasts a very wide network of contractors across the United States. In fact, as we learned from some of the company’s customers, it often happens that the company sends a contractor you already know from your area, maybe even a person you already worked with. This is obviously the result of a large number of contractors and technicians working with the company. It also makes quite an impression on customers, as trust is very important in this line of business since we are talking about letting someone into our home. Furthermore, all contractors have been carefully scanned and have all the necessary licenses.

AFC Home Club is a reliable company with a BBB rating B and an attractive retail benefits program, which is not something you often find in this line of business. All of their plans are extensive enough to meet everyone’s needs, and if there is something else you want covered, the plans can always be customized to fit your needs. The company has an excellent approach to customer support and relations; we only wish they would be more transparent about their terms and conditions.