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AFC Home Club: Reviews, Plans And Coverage In 2021

Sam Hawrylack10-minute read

August 25, 2021

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AFC Home Club gives homeowners reassurance when a home system and/or appliance breaks down. The panic a home repair can cause is unnerving, but when you have a home warranty plan to back you up, it’s not as scary.

AFC Home Club reviews show the warranty plan is attractive, affordable, and helpful for homeowners. Check out our review to see if it’s right for you.

AFC Home Club Summary

America’s First Choice Home Club has been around for 11 years, offering home warranties to homeowners throughout the United States. They have distinct advantages, including covering your home’s systems and appliances, depending on the plan you choose. Most home warranty companies have three plans, but AFC has four, giving you more options.

They pride themselves on superior customer service and offer the flexibility to choose your own technician rather than waiting for an AFC network technician to be available. They make the claim process easy, and there are plenty of add-ons to ensure your entire home has the coverage you want.

America’s First Choice Home Club Plans

Below are the four plans America’s First Choice Home Club offers for their home warranty plans and their approximate costs. Remember, the costs depend on various individual factors, including your home’s location, size and the service fee plan you choose.

Systems Plan

The Systems Plan covers just what the name says – the home’s systems. This includes AC/heating, electrical and plumbing systems, water heater and ductwork. You can also add additional systems coverage, such as a sump pump, tankless water heater or septic system for an extra charge.

The Systems plan runs an average of $43 per month, but the exact cost varies based on your location, add-ons and chosen service fee.

This plan is best for homeowners who don’t want to be bothered with the large expense and hassle of a major system in the home breaking down.

Silver Plan

The Silver Plan covers basic appliances, including a washer/dryer, oven/stove, refrigerator, dishwasher, garbage disposal and garage door opener.

The Silver Plan is for homeowners that only want coverage for their appliances and have other ways to handle system breakdowns. The cost for the Silver Plan is along the lines of the Systems Plan at $43 per month but can increase if you add additional coverage or want the lowest service visit cost.

Gold Plan

The Gold Plan is a combination of the Systems and Silver Plan, covering the home systems and basic appliances. Its only exclusions are plumbing stoppages, built-in microwaves and ice makers.

The Gold Plan is for homeowners that want more protection than just systems or just basic appliances. You save money by signing up for the Gold Plan versus the Systems and Silver separately. The Gold Plan is only just under $10 per month more than the Systems or Silver Plan.

Platinum Plan

The Platinum Plan has it all – it covers everything in the Gold Plan, plus everything the Gold Plan doesn’t cover, including plumbing stoppages, built-in microwaves and ice makers. This plan is for the homeowner that wants to eliminate all worries about any home maintenance issues.

The Platinum Plan costs around $59 a month but varies by location and by the service call cost you choose (lower costs mean higher premiums and vice versa).

Coverage For America’s First Choice Home Club Warranties

Home warranties help protect the homeowner. We all know how unexpected expenses can cause financial distress, but with an AFC Home Club Warranty, the worry is off your shoulders. Understanding how the AFC Home Club Warranty works can help you decide if it’s right for you.

A home warranty or protection plan protects you from ‘normal’ breakdowns, unlike your home insurance that only covers devastation due to factors like weather, a fire or vandalism. A home warranty provides peace of mind because, as we all know, appliances and home systems break down.

AFC Home Club Warranties work a little differently than typical home warranties, though.

For starters, they have four tiers, whereas most companies have three tiers. They also offer “bonus” add-ons if you want even more coverage.

To use your warranty, use the following steps:

  1. If an appliance or home system covered under your plan breaks down, create a claim online or call (855) 613-4555 and speak to a representative.
  2. AFC will send out a technician, or you can choose to use your own technician if you prefer.
  3. You pay the technician the service fee as outlined in your plan.
  4. The technician determines the issue and contacts AFC.
  5. If AFC approves the claim, the technician will complete the repairs using proper parts or, if it needs replacement, with a viable replacement offering the same or similar features.
  6. AFC contacts you after the job is complete to ensure your satisfaction.

Keep in mind, in addition to your monthly premium (like insurance premiums), you’ll pay a service fee per call. You can choose from a $75, $100 or $125 service call fee. The lower the service call fee you choose, the higher your monthly premiums will be and vice versa.

AFC Home Club Warranty Plan Comparison

Appliance or System Covered

System Plan

Silver Plan

Gold Plan

Platinum Plan

Water heater

x

 

x

x

AC

x

 

x

x

Heating system

x

 

x

x

Electrical system

x

 

x

x

Plumbing system

x

 

x

x

Ductwork

x

 

x

x

Washer/dryer

 

x

x

x

Stove

 

x

x

x

Oven

 

x

x

x

Dishwasher

 

x

x

x

Garbage disposal

 

x

x

x

Refrigerator

 

x

x

x

Garage door opener

 

x

x

x

Built-in microwave

 

 

 

x

Ice maker

 

 

 

x

Plumbing stoppages

 

 

 

x

Additional Coverages Offered By AFC Home Club

To any plan, you can also add coverage for the following for an additional monthly cost:

  • Sump pumps
  • Septic systems
  • Hot water dispensers
  • Pools and spas
  • Stand-alone freezers
  • Tankless water heaters

America’s First Choice Home Warranty Reviews

Better Business Bureau

While the BBB has complaints (150 in the last 3 years), there are plenty of happy customers too. Many of the positive reviews are similar to this review left by Jessica:

“Patrick called to follow up on my inquiry and was super helpful. He explained all the terms, and AFC has a great warranty that is affordably priced and also allows me either to use their contractors or find my own to be reimbursed. The terms were terrific, and I am now able to ease my mind about whatever may come up. I am so happy with the experience, Patrick, and AFC.”

AFC Home Club Availability

AFC Home Club is available in 49 states but is unavailable in Hawaii.

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AFC Home Club Vs. Competitors

America’s First Choice home warranty isn’t the only home warranty club available today. Consumers have many options, and it’s important to compare your choices side-by-side, looking at the total cost and coverage options to make the right choice.

America’s First Choice Home Club Vs. American Home Shield

American Home Shield has been in business since 1971 and offers tiered plans like AFC. While it’s not available in Alaska, it's available in all other states. American Home Shield offers three plans and the ability to add on services, including water well pump service, roof leak assistance, service on pools and spas, septic pumps, and electronics.

A unique service they offer is coverage on incorrectly installed appliances or mismatched systems. Plans range from $49.99 to $79.99 a month, and they offer a few additional benefits/discounts like AFC, including a $25 Amazon gift card if you refer friends to the program.

America’s First Choice Home Club vs. Select Home Warranty

Select Home Warranty has been around for nine years and also only has three plans to choose from, unlike AFC’s four plan option. Select Home Warranty is available in all 50 states, and its plans cover appliances and/or systems, like AFC.

If you sign up for a multiyear contract, Select offers a slight discount, and they too offer an option for roof leak coverage. You have three days from discovering the problem to report it to Select Home, and their prices range from $60 – $75 a month before add-ons.

America’s First Choice Home Club Vs. Landmark Home Warranty

Landmark Home Warranty only covers homes on the West Coast, including Idaho, Arizona, Nevada, Oregon, Utah and Texas. Landmark offers different services than AFC, which doesn’t make it better or worse – just different.

The plans include systems coverage plus pest control and re-keying services, but all appliance coverage is similar to AFC. Landmark costs $40 – $61 a month, and they have a varying service fee depending on what service you require.

Other Considerations

Before choosing a home warranty company, consider the additional factors included in our AFC Home Club review.

Discounts and Benefits

America’s First Choice home warranty offers multiple discounts and benefits beyond the home warranty plan you choose. First, there’s a multihouse discount. If you’re a landlord or own vacation properties, you can get a discount for buying warranties on multiple houses.

Beyond the home warranty, though, AFC offers members plenty of discounts and benefits, including discounted rates to ADT (home security), low prices on household goods, equipment from Encompass and more.

Service Fees

Service fees are separate from the home warranty premiums. You pay service fees only when you file a claim, and a technician comes out to your home. AFC offers plans of $75, $100 or $125 service fees. You pay this fee each time you make a service request.

Customer Service

AFC currently has a “B” rating on the Better Business Bureau and has been in business for 11 years. A majority of the complaints against AFC are in regard to what the warranty doesn’t cover. This is common with home warranties since many people don’t read the fine print before buying a policy.

Overall, most people are satisfied with AFC’s customer service, stating that representatives send technicians out in a timely manner, offer help filing the claim, and help customers get the service they need. Some people do note some difficulty getting a hold of customer service after their initial contact if they had trouble with a technician or their home.

America’s First Choice FAQs

Does AFC Home Club require a home inspection?

AFC doesn’t require a home inspection, but they do have a 30-day waiting period. Any issues that occur AFTER the 30-day waiting period should be covered.

What is the deductible for AFC Home Club?

Unlike home insurance, the AFC Club plan doesn’t have a deductible. It does require you to pay your service fee for each service call, though. You know that amount ahead of time, though, since you choose it before signing up for your plan. You’ll pay either $75, $100, or $125.

How can you file an AFC Home Warranty claim?

It’s easy to file a claim. You can file it online or call (855) 613-4555.

You’ll complete a form for each service call you need. Make sure to include the serial number, make, and model of the appliance or system that needs repairs. You can then either call your own licensed technician or let AFC set you up with one, usually within 24 - 48 hours. Once the repair is complete, AFC will pay for it and contact you to ensure your satisfaction.

What are AFC Home Club’s contract terms?

The AFC Home Club contract terms vary by plan and add-ons you include. Read the fine print, so you understand what’s included and not included. Also, pay close attention to the service fee you agree to because you’ll owe that every time you call a technician out to your house.

All plans have a 30-day waiting period which means if anything happens in the first 30 days to a covered appliance or system, it won’t be covered. Additionally, if something happens to a covered appliance or system during days 31 – 60, there is a maximum $150 payout.

What does an AFC Home Club Home warranty not cover?

The AFC home warranty doesn’t cover everything and what it covers/doesn’t cover depends on the plan you choose. They do have one of the most extensive warranty plans available today, but there are exclusions, make sure to read your terms and conditions carefully before signing up.

In general, home warranties don’t cover damage from natural disasters, including weather and fire. They also don’t cover damage from vandalism or theft, mold or mildew, and any pest damage.

How is America’s First Choice Home Club rated?

America’s First Choice Home Club has a Better Business Bureau rating of a “B.” Currently, they have 150 customer complaints, but they address 100% of the complaints and try to resolve them with the customer.

Is America’s First Choice Home Club legit?

America’s First Choice Home Club has been accredited by the Better Business Bureau since 2015. They have fairly solid reviews from customers, except the standard complaints about any home warranty company, as many people assume they'll cover much more than they do.

How much is AFC Home Club?

The exact cost of AFC Home Club depends on your location, type of coverage you want, add-ons, and chosen service call cost. It also depends on the size of your home. You can secure a free quote on their website to determine your total cost.

Does AFC Home Club cover mold?

No, just like most home insurance companies don’t cover mold, neither does the AFC Home Club warranty. Mold and mildew are “preventable” issues that, with proper maintenance, you could avoid and most home warranties won’t cover.

Do sellers pay for a home warranty?

Sometimes sellers pay for a home warranty to entice buyers. It shows good faith that they’re leaving the home in good condition and that they’ll cover the cost of a warranty just to be sure.

The Bottom Line: Is America’s First Choice Right For You?

America’s First Choice is a great option for homeowners looking for reassurance. During these times when jobs are insecure and millions still struggle with their finances, it’s nice to know your home repairs will be covered minus a small service fee.

Whether you choose a plan to cover your home’s systems, appliances, or both, AFC Home Club reviews show that you’re in good hands. Their representatives help you through any issues, and they’re responsive to your needs, getting a technician out as fast as possible if you don’t find a technician yourself.

If you’d love to learn more about AFC and how they can help you have peace of mind about your home’s systems and appliances, click here to learn more and get a quote.

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Sam Hawrylack

The Rocket Mortgage Learning Center is dedicated to bringing you articles on home buying, loan types, mortgage basics and refinancing. We also offer calculators to determine home affordability, home equity, monthly mortgage payments and the benefit of refinancing. No matter where you are in the home buying and financing process, Rocket Mortgage has the articles and resources you can rely on.