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America’s First Choice (AFC) Home Club: Reviews, Plans And Coverage In 2023

December 20, 2023 7-minute read

Author: Sam Hawrylack


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Unlike your homeowners insurance – which covers devastation due to factors like weather, fire or vandalism – a home warranty protects you in the event a home system or appliance breaks down in your home. With so many home warranty options to choose from, though, it can be overwhelming to find the right plan for you.

AFC Home Club reviews show that their warranty plan is an attractive, affordable and helpful option for homeowners. Check out our review to learn how AFC Home Club works so that you can decide if one of their warranty plans is right for you.

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What Is America’s 1st Choice (AFC) Home Club?

America’s First Choice Home Club has been offering home warranties to homeowners throughout the United States since 2009.

AFC prides itself on superior customer service and offers a number of distinct advantages, including an easy-to-navigate claims process and the flexibility to choose your own technician rather than waiting for an AFC network technician to become available.

And while most home warranty companies only offer three plans, AFC Home Club provides four options for covering your home’s systems, appliances or both. They also have plenty of add-ons to ensure your entire home has the coverage you need.

America’s First Choice Home Club Plan Pricing

AFC Home Club Warranty Plan

Approximate Cost Per Month









Remember, the costs depend on various individual factors, including:

  • Your home’s location and size
  • The service fee plan you choose
  • Any add-ons you want for additional coverage

In addition to your monthly premium, you’ll also have a choice of a $75, $100 or $125 service call fee. The lower the service call fee you choose, the higher your monthly premiums will be.

AFC Home Club Warranty Plans Comparison

Below are the four plans that America’s First Choice Home Club offers. Take a look at which appliances and systems are covered by each plan.

Appliance or System Covered

Systems Plan

Silver Plan

Gold Plan

Platinum Plan

Water Heater


Air Conditioning


Heating System


Electrical System


Plumbing System












Garbage Disposal




Garage Door Opener


Built-In Microwave




Ice Maker




Plumbing Stoppages




Ceiling Fans




Attic And Exhaust Fans




Systems Plan

The Systems Plan covers the home’s systems, including AC/heating, electrical and plumbing systems, water heater, and ductwork. This plan is best for homeowners who don’t want to be bothered with the large expense and hassle of a major system 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 who only want coverage for their appliances and have other ways to handle system breakdowns.

Gold Plan

The Gold Plan combines the Systems and Silver Plans for homeowners who want coverage for both their home systems and basic appliances. The Gold Plan is only about $10 more per month than either the Systems or Silver Plan, and the only exclusions are plumbing stoppages, built-in microwaves, ice makers and fans.

Platinum Plan

The Platinum Plan covers everything in the Gold Plan, plus home systems and appliances the Gold Plan doesn’t include, such as plumbing stoppages, built-in microwaves, ice makers and fans. This plan is for the homeowner who wants to eliminate all worries about any home maintenance issues.

Optional Add-Ons

To any AFC Home Club warranty plan, you can also add any of the following coverages for an additional monthly cost:

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

Tankless water heaters

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AFC Home Club Reviews

America’s First Choice Home Club has a Better Business Bureau (BBB) rating of a “B.” Currently, they have 67 customer complaints filed with the BBB, but they address 100% of the complaints and try to resolve them with the customer.

Consumeraffairs.com reviewers gave America’s First Choice 4.2 stars out of 5, citing good customer service and quick response times.

America’s First has 3.9 stars out of 5 on U.S. News & World Report, tied for #3 on their list of top home warranty companies of 2023.

Alternatives To AFC Home Club

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.

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 $29.99 – $69.99 a month. Like AFC, they offer a few additional benefits and discounts, including a $25 Amazon gift card if you refer friends to the program.

Select Home Warranty

Select Home Warranty has been around since 2012 and has three plans to choose from, with prices ranging from $52.50 – $56.25 a month before add-ons. Like AFC, its plans cover appliances, systems or both.

Select Home Warranty is available in all 50 states, and if you sign up for a multiyear contract, Select offers a slight discount. They also offer an option for roof leak coverage. You have 3 days from discovering the leak to report it to Select Home.

Landmark Home Warranty

Landmark Home Warranty only covers homes in the West, including Idaho, Arizona, Nevada, Oregon, Utah and Texas. Their unique plans include systems coverage plus pest control and rekeying services, but all appliance coverage is similar to AFC. Landmark costs $38.33 – $55.83 per month, and they offer a varying service fee depending on what service requests you have.

Other Considerations

Before choosing a home warranty company, you may also want to consider factors such as discounts, benefits and customer service.

Discounts And Benefits

America’s First Choice offers multiple discounts and benefits beyond the home warranty you choose. For example, if you’re a landlord or you own vacation properties, you can receive a discount for buying warranties on multiple houses.

AFC also offers its members discounted rates to ADT, low prices on household goods, discounted prices on maintenance-related equipment from Encompass – a supplier of original replacement parts for home products – and more.

Customer Service

AFC currently has a “B” rating on the Better Business Bureau and has been in business for over 13 years. A majority of the complaints against AFC are in regard to what the warranty doesn’t cover, which is why it’s important to 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 assist customers with getting the service they need. Some people do note some difficulty connecting with customer service after their initial contact if they had trouble with providers or their home.

America’s First Choice FAQs

Let’s take a look at some of the most frequently asked questions regarding America’s First Choice Home Club.

Where is AFC Home Club available?

AFC Home Club is available in all states except for Hawaii.

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 homeowners insurance, the America’s First Choice Home Club warranty plan doesn’t have a deductible. However, for each service call, AFC does require you to pay a service fee of $75, $100 or $125, depending on the rate you chose before signing up for your plan.

How can I 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 also need to 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.

What happens after I file an AFC home warranty claim?

After you’ve filed a claim, AFC will send a technician out within 24 48 hours, or you can choose to use your own technician if you prefer. Next, you’ll pay the technician the service fee as outlined in your plan, and they’ll determine the issue and contact AFC. If AFC approves the claim, the technician will either repair or replace the system or appliance. Lastly, AFC will pay for the repair and contact you once the job is finished 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 that 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.

What does an AFC Home Club home warranty not cover?

Like most home warranties, AFC doesn’t cover damage from natural disasters, vandalism, theft, mold, mildew or any pest damage.

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. 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 want to learn more about AFC home warranties and how they can help you have peace of mind about your home’s systems and appliances, learn more and get a quote from America’s First Choice warranty today.


Our writers perform in-depth research from various sources that may feature customer reviews and third-party ratings. These sources include – but are not limited to – Better Business Bureau (BBB) and U.S. News & World Report. We take into account company transparency and plan exclusions, as well as pricing, coverage options and any outstanding legal issues. Writers use this research to compose their reviews of each company.

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Samantha Hawrylack headshot

Sam Hawrylack

Samantha is a full-time personal finance and real estate writer with 5 years of experience. She has a Bachelor of Science in Finance and an MBA from West Chester University of Pennsylvania. She writes for publications like Rocket Mortgage, Bigger Pockets, Quicken Loans, Angi, Well Kept Wallet, Crediful, Clever Girl Finance, AllCards, InvestingAnswers, and many more.