AFC Home Club Review UPDATED Oct 2021

6.4Our Rating
6.6User Rating

AFC or America’s First Choice Home Club is a Georgia-based home warranty company with a BBB accreditation that offers flexible and affordable plans. They have a large contractor network and on top of providing all the features that are standard for the home warranty industry, also offer certain lifestyle benefits, such as retail and restaurant benefits for a number of stores and dining establishments, as well as Emergency Alert Network membership. They also have one of the nation’s highest annual claim limits.

AFC Home Club Homepage


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), 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.

Terms and Conditions

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.

User Reviews

  • Submitted By Sandeep
    If you want a company that will take your money and give you horrible service, this is the company for you. They denied my claim and charged me for the canceling of the coverage. And to make it all worse, they charged me $75 to cancel the plan and it took over 2 months to get my refund back. They are selling broken promises. Save your money please.
  • Submitted By Mick Swenson
    Everything went great. The service is flawless and the technician was extremely efficient. Good experience with AFC.


  • Submitted By Jessie Parker
    Guys, I am really pleasantly surprised with the level of service. I had my fair share of problems with warranty, but you set the record straight. My ac broke last week, and the technician was so good and so kind, I hope I always get him! Your personnel is amazing, and yes, being friendly is important! I’m staying right here!


  • Submitted By Ian Peters
    I had some electricity issues, AFC technician figured it out and repaired it in one day! And the fee was very affordable, I dread to think how much it would cost without the waaranty plan. Thank you, AFC!


  • Submitted By David Harms
    I was a sceptic when it comes to this warranty plans, but I must say that AFC knows their job. Good thing I got a plan too, otherwise I wouldn’t be able to close my garage doors and there’s a lot of stuff there. All the repairs were done in three days time, and the technician didn’t slack at all. Very professional, you have approving nod from me!

AFC Home Club Review
Updated : 2021-10-13
Rating : 6.4/10

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