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America’s First Choice Home Club, also known as AFC Home Club, is known for being one of the best home warranty companies. AFC Home Club features select home warranty plans with a long workmanship guarantee and a homeowner’s choice of the contractors they want to work with for repairs and replacements. With different coverage options and additional benefits designed for homeowners, AFC Home Club is a worthy option to consider if you’re looking for the best home warranty coverage.

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As a homeowner, you have a lot to think about in terms of protecting your home and the systems and appliances in it. Homeowners insurance offers an excellent start by financially securing your home in the event of a fire or other unexpected events. However, homeowners insurance doesn’t cover other common issues in homes, like a plumbing stoppage, malfunctioning air conditioning, or problems with parts of your electrical system.

AFC Home Club – 2024 Review

A home warranty plan like those from AFC Home Club can give you additional protection for your home systems and appliances, filling in the coverage gaps. An AFC Home Club warranty is available in different plans to cover the home system components you want to be protected most while fitting your household budget.

As you compare companies to find the right home warranty plan for your home, you should consider AFC Home Club.


  • Lifetime plan guarantee of up to 3 years
  • Member benefits such as home security discounts and pet benefits
  • 24/7 claims submission
  • Unlimited service requests per term


  • Not available in Hawaii
  • Limited add-ons compared to other warranty companies
  • Low payment caps on certain items (such as $150 max payments for ductwork and central vacuum repairs)

Quick Facts

Locations Served: 49 states (excludes Hawaii)

BBB Rating: B |  Accredited? Yes

Service Fee: $75- $125

Company Overview

Also known as America’s First Choice Home Club, AFC Home Club consistently appears on best home warranty lists from trusted review sites across the web. Most notably, reviewers praise the company for its unique stance on allowing homeowners to choose the contractors they want to work with and for guaranteeing the work done as a result of a claim on a homeowner’s plan. AFC Home Club makes it easy for members to request services covered by their plans by submitting a form online or calling the customer service number.

As one of the best home warranty companies, AFC Home Club’s competitors include:

AFC Home Club also includes some one-of-a-kind benefits for members, like its $75 service fee option and consumer identity protection for free with a paid plan. There are also four plans to choose from, allowing each homeowner to pick their choice home plan that works with their budget and protection needs.

What Areas Does the Company Serve?

AFC Home Club provides home warranty coverage for all of the United States except for Hawaii. However, plans in each state may vary, depending on the legalities of home warranty in your state. You can find out more about an AFC Home Club warranty in your state by visiting the company’s coverage-by-state articles.

Plans & Coverage

A primary reason homeowners search for an AFC Home Club review is to learn more about its plans and costs to determine whether the home warranty company offers the coverage they need. Let’s look at how the company’s coverage works to help you break down each AFC Home Club plan.

🔧 With a long workmanship guarantee and various coverage options, AFC Home Club tailors its services to diverse homeowner needs.

Silver Plan

(starts at $43.99 /mo.)
9 Appliances
Covers appliances in the kitchen, laundry room, and garage
✅ Clothes Dryer✅ Dishwasher✅ Kitchen Refrigerator
✅ Clothes Washer✅ Oven✅ Garage Door Opener
✅  Garbage Disposal✅ Range
Not Included
❌ Plumbing System❌ Heating System❌ Air Conditioning
❌ Plumbing Stoppages❌ Electrical System❌ Built-in Microwave
❌ Fans❌ Ice Maker❌ Ductwork

AFC Home Club starts with a Silver Plan, which is AFC Home Club’s appliance-only plan. The appliances plan covers your garage door opener, refrigerator, washer, dryer, garbage disposal, and other appliances but does not include coverage for any home system.

Systems Plan

(starts at $49.99 /mo.)
6 Systems
Covers major home systems  like heating, plumbing, air conditioning, electrical systems, and more
✅ Air Conditioning✅ Heating System✅ Plumbing System
✅ Water Heater✅ Electrical System✅ Ductwork
Not Included
❌ Plumbing Stoppages❌ Oven❌ Clothes Dryer
❌ Built in Microwave❌ Range❌ Clothes Washer
❌ Fans❌ Kitchen Refrigerator❌ Dishwasher
❌ Garage Door Opener❌ Ice Maker❌ Garbage Disposal

AFC Home Club starts with a Systems Plan that covers your primary home systems, like your plumbing system and heating system. The Systems Plan will not cover any appliances. Instead, this basic plan is best for homeowners needing a budget-friendly home warranty for some of the most expensive repairs and replacements.

AFC Home Club also offers complete home plans with its Gold Plan and Platinum Plan.

Gold Plan

(starts at $59.99 /mo.)
Up to 15 Appliances and Systems
Combines systems and appliance coverage into one great plan
✅ Clothes Dryer✅ Dishwasher✅ Kitchen Refrigerator
✅ Clothes Washer✅ Oven✅ Garage Door Opener
✅ Garbage Disposal✅ Range✅  Electrical System
✅  Heating System✅  Plumbing System✅  Air Conditioning
✅  Ductwork✅  Water Heater
Not Included
❌ Plumbing Stoppages❌ Fans❌ Built-in Microwave
❌ Ice Maker

The Gold Plan includes all appliances except the built-in microwave, ice maker, and fans. The Gold Plan also covers home systems except for plumbing stoppages.

Platinum Plan

(starts at $64.99 /mo.)
Up to 18 Appliances and Systems
Covers major home systems and appliances including built-in microwave, ice maker, and plumbing stoppages
✅ Clothes Dryer✅ Dishwasher✅ Kitchen Refrigerator
✅ Clothes Washer✅ Oven✅ Garage Door Opener
✅ Garbage Disposal✅ Range✅ Electrical System
✅ Heating System✅ Plumbing System✅ Air Conditioning
✅ Ductwork✅ Plumbing Stoppages✅ Ice Maker
✅ Fans✅ Water Heater✅ Built-in Microwave

The Platinum Plan covers all eligible appliances and home systems, up to 18 in total. In addition to major systems, home comforts are included to make sure your refrigerator is making ice and your sinks are draining properly.

👉 AFC Home Club’s Platinum Plan provides extensive coverage, including up to 18 appliances and systems, ensuring comprehensive protection.

When you request a service that your plan covers, AFC Home Club requires you to pay a service call fee. You can choose the amount of your service call fee, but the amount you choose will need to be paid before AFC Home Club schedules your service, regardless of the plan you have.

Members of any plan can also get additional benefits, such as discounts on pet insurance, vision insurance, dental insurance, identity theft insurance, and a utility concierge to help you budget utilities.

Optional Upgrades

When you sign up for AFC Home Club, you can customize your plan with additional options that aren’t part of the company’s regular home warranty coverage.

🔍 Optional upgrades like roof leak repair and pool & spa coverage allow homeowners to customize their AFC Home Club plan.

Options for additional coverage include:

  • Roof Leak Repair
  • Electronics
  • Central Vacuum
  • Pool & Spa
  • Stand Alone Freezer
  • Septic System
  • Sump Pump

Although the Platinum Plan includes the typical home systems and appliances most homeowners want to protect under a home warranty, it doesn’t include items such as the septic system, sump pump, or central vacuum. For these items to be covered on any plan, you’ll need to add them to the base appliance or systems plan you’re interested in.

Other optional coverages from AFC Home Club include pools and spas, double ovens, hot water dispensers, electronics, stand-alone freezers, and roof leak repair coverage. Some areas may not have specific addons available. To determine what you can add to your plan, you can request a quote from AFC Home Club. After choosing a plan, AFC Home Club will show you the available upgrade options.

How Much Does AFC Home Club Cost?

AFC Home Club’s home warranties vary in pricing depending on where you live and the type of coverage you have. Generally, prices start around $45 per month for a systems plan and go up to about $65 per month for the Platinum plan for complete home coverage.

💰 AFC Home Club plans start at around $45 per month, offering a range of cost-effective options for different budgets.

One of the most significant benefits of AFC Home Club is that you can customize your plan’s cost in a few ways to fit your budget. First, the company allows you to choose between monthly and yearly pricing. Paying yearly shaves some money off the total price of your plan, usually resulting in getting about one month free. You can also choose between a one-year and three-year contract paid monthly or annually, which can also discount the price of your plan.

Finally, play around with the service fee, which ranges from $75-$125. You’ll pay this amount every time you need something serviced under your plan, so make sure it’s one you feel comfortable with. The higher your service fee, the lower your monthly or annual payment will be.

Optional upgrades through AFC Home Club are between $25-$150 for a full year. For example, adding roof leak protection bumps the cost of your plan by just $25 per year or $2.08 per month.

How To Sign Up for AFC Home Club

After completing a quote from AFC Home Club online and figuring out the price that works for you, you can sign up right away by clicking the ‘Buy Now’ button. Alternatively, you can call the company’s customer service line at 833-470-2194 to speak with a representative who can learn more about your home’s needs and suggest the right plan for you.

How To Request Warranty Service

When you have a problem with your appliances or home systems covered under your AFC Home Club warranty, you want to be sure that you can have the issue taken care of quickly and conveniently. Fortunately, AFC Home Club allows subscribers of any of its plans to request service easily online.

📞 Homeowners can easily request AFC Home Club warranty service online or by phone.

To do this, just log into your account and click the ‘Request Service’ link. You’ll fill out a simple form explaining the type of service request. Then, you can either indicate that you’d like to use your own technician or have AFC Home Club find one for you. Finally, you’ll pay your service fee, and AFC Home Club will send you an authorization stating that it’s okay to move ahead with the repair or replacement.

Alternatively, you can call 770-973-2400 to have a representative help you schedule your warranty service.

How To Cancel AFC Home Club

AFC Home Club does not technically lock customers into a contract, so you won’t have to wait out your full warranty period if you decide the service isn’t right for you. Instead, log into your account to cancel at any time, or call the customer service center to cancel by phone.

AFC Home Club may charge a $75 fee for early cancellation. However, you can receive a prorated amount based on the number of months you paid for in your warranty plan, minus services that AFC Home Club has already paid for. If you cancel within the initial 30-day waiting period, you can receive a full refund.

AFC Home Club Contact Information

There are a few ways to get in touch with AFC Home Club if you need assistance, have questions, or need to request a service from the warranty company. To sign up or get a quote,  call 833-930-0373. For service requests, call 770-973-2400 or log into your online account to submit a request form. You can also contact customer service via your online account after you’ve logged in if you have any questions or concerns about your plan.

Is AFC Home Club Right for Me?

After reading this AFC Home Club review, you might ask yourself, “Is a home warranty worth it?” In many cases, a home warranty can bridge your homeowners’ insurance coverage with additional protection for uncovered systems and appliances that your family uses daily.

👉 AFC Home Club’s coverage options and additional benefits like insurance discounts cater to diverse homeowner needs.

A home warranty from AFC Home Club can give you some peace of mind knowing that you’ll have important parts of your home protected when something goes wrong. Plus, you can use any technician you’d like once AFC Home Club authorizes your service request. AFC Home Club also offers many benefits for homeowners, like vision, dental, and pet insurance discounts and access to an emergency alert network.

Still, you might not be sure whether AFC Home Club or another warranty company is better in terms of the coverage or pricing you need. In that case, we suggest requesting a free quote from AFC Home Club and other home warranty companies you’re considering. These quotes can give you a better idea of what you’ll pay for similar coverage between companies to help you decide on the best fit for your home. Contact AFC Home Club by phone at 833-930-0373 or request an online quote to start the process.