Review of: AFC Home Club

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​Affordable Pricing with multiple options.

Ease of use

Simple online application ​process.


​Overall ​average reviews from customers.

We Like

  • Choose your own technician
  • 3-year work guarantee
  • Additional coverage can be added 
  • Multi-property discounts available
  • Grandfathered rates when you renew your policy

We Don't Like

  • Fewer appliances  covered
  • not available in CA, NV, HI, & SC
  • benefit limit of $10k On all policies

Summary: AFC recognizes that homeownership can be as overwhelming as it is exciting, so they make it as easy as possible by adding extra services like credit monitoring and discounts to your favorite local businesses. 

However, these add-on services can seem like a random addition to a home warranty policy. 

Despite our befuddlement over this somewhat random feature, our AFC Home Club Review is mostly positive.  We’ll share what we love as well as what we’re not thrilled about in this balanced review.

Whether you need a repair or replacement for an appliance or system, AFC Home Club is here to help you out.

No company is perfect, however, which is why we put together this honest and unbiased AFC Home Club.

Your home is your largest investment, and you deserve to work with a company that’s going to help you protect it.

We’ll give you an inside view into what AFC Home Club does well and where they can stand to improve.

Who Is AFC Home Club?

Short for America’s First Choice, AFC Home Club tops our list of home warranty companies.

They thought of almost everything when they designed their service offering, making them one of our favorite home warranty companies in 2020.

Founded in 2009, AFC Home Club is a relative newcomer to the home warranty industry, but they’ve quickly established themselves as a leader. 

This year, in 2020, they were ranked in the top 10 home warranty companies, and they’ve maintained a solid B rating with the Better Business Bureau.

America’s 1st Choice Home Club is also ranked on the Inc. 5000 list, so you can rest assured that they’re a reputable company, and they’re not going anywhere.

What Makes AFC Home Club Different?

Unlike other home warranty companies that fob off 2-star contractors, AFC lets you work with anyone you want.

As long as they’re licensed and insured, you can choose whoever your heart desires.

If you don’t have a network of contractors at the ready, AFC will send one of their skilled technicians to your home promptly.

Another significant difference is that AFC Home Club offers a guarantee that goes beyond 30 days.

They also do better than even the most generous and 90 and 180-guarantees.

The team at AFC scoffs at their conservative competitors and guarantees the work for the life of the plan or three years. 

Features & Benefits

AFC Home Club is changing the way we look at home warranty companies. Here are the key features that you can expect:

Flexible Service Fees 

Service fees start as low as $75 and go up to $125. Being able to choose your service fee helps to keep your plan price lower. 

Four Plans Available

System Plan

For homeowners concerned mostly with their home’s systems, not necessarily the appliances. The only thing not covered here, system-wise, is a plumbing stoppage.

Silver Plan

If your primary concern is appliances, then this is the plan for you. The only significant appliances not covered here are built-in microwaves and ice makers.

Gold Plan

This plan offers both systems and appliance coverage, but it excludes plumbing stoppages, built-in microwaves, and ice makers. If you want more comprehensive coverage without paying for things you don’t need, you’ll appreciate this plan.

Platinum Plan

If you’re someone that prefers not to tempt fate, you can get the platinum plan for not much more than the gold plan. Keep in mind that AFC doesn’t publish their rates online, so you’ll have to get a custom quote to determine the difference in plans.

Additional Coverage Options 

We appreciate that AFC doesn’t automatically charge homeowners for coverage of items they might not even have. With AFC, you have the option to add the following items to a custom policy:

  • Sump pump
  • Hot water dispenser
  • Standalone freezer
  • Septic system
  •  Pool and Spa
  • Tankless water heater
  • Well pump
  • Central vac

Additional Club Benefits Included

Though we joked earlier about the club benefits, these can be helpful for some homeowners.

If you don’t have a credit monitoring service or you like to take advantage of rewards for patronizing local businesses, then this feature can be a lifesaver. 

When you choose the AFC, you also get:

  • Free credit monitoring
  • Family emergency services
  • Discounts on home security, home supplies, restaurants, and entertainment

Currently, AFC Home Club is available in 46 or 50 states. You cannot sign up for AFC if your home is in:

    • Hawaii

    • California

    • Nevada

    • South Carolina

afc home club

Claims & Process Guarantee

Like most home warranty companies, you can request service online or on the phone 24 hours a day.

However, AFC is different because they don’t turn their back on you and your home after 30 days.

Instead, they offer a guarantee on all the work the crew has done for the life of the contract, which has a limit of three years. 

One potential caution has to do with the consequences of canceling your policy.

Though AFC claims that they do not lock customers into a contract, they do clearly state that they may cause a $75 cancellation fee.

Like most home warranty companies, AFC does enforce a 30-day waiting period before customers are eligible for benefits.

One notable exception is for plans purchased with the sale of a home. In those cases, as long as an inspection has been completed, the 30-day waiting period is waived.

Why Choose AFC Home Club

There are a few home warranty companies that we like, but AFC stands out for two reasons:

No limit on the recall period. 

This means that the work done on your home is guaranteed for the life of your contract.

Choose your own technician. 

Many homeowners complain that their warranty company gave them no say in the contractor that worked on their home.

AFC believes you should have a choice. If you have a network of service providers that you prefer to work with, then AFC will be a standout choice for you. 

How To Take Action?

No other AFC Home Club Reviews are as detailed as mine; however, I wanted to make sure that I gave you as much detail as possible.

Because home warranties cover appliance and system failures that home insurance policies don’t, we recommend that all homeowners have a policy, even if it’s not with AFC.

Ready to see how much your home warranty coverage will cost with AFC Home Club? Find out now.

Thanks For Reading My Review... Before You Go!

What did you think of my review?  Did I miss anything?

Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 11 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

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