AFC Home Club Review

Expert Review By: Patricia Barnes

Visit AFC Home Club

Phone icon  866-242-0629

Annual premiums$
Plan types 
StatesMost states (not CA, SC, HI)
ContractorsIn-network and out-of-network
Home inspection 
Claims service fee$75, $100, $125
Claims departmentYes
Workmanship guarantee days


The Gist

America’s First Choice Home Club distinguishes itself by providing additional lifestyle benefits included in their home warranty plans. Earn retail benefits while shopping online, gift cards redeemable at 1,000s of locations across the country and enjoy the peace of mind that comes with the Emergency Alert Network. All of this on top of Better Business Bureau membership, an extensive contractor network and one of the industry’s highest claim limits.


AFC Home Club Highlights

  • $2,000 claim limit per appliance - higher than most competitors.

  • No coverage caps on HVAC systems.

  • Additional benefits such as the Retail Rebate & programs.

  • Contractor appointments made within 8 hours.


  • No home inspection is needed before joining.

  • They use local service contractors already established in their communities.

  • Unique plan benefits such as the Emergency Alert Network.

  • They commit to setting appointments within 8 hours.

  • High annual claim limits - no need to worry if multiple repairs are needed in a single year.


  • Limited information about terms and conditions and limits of liability on their website.

  • No information is given with regard to maintenance requirements and records.


America’s First Choice Home Club is loud and proud with the prominent display of it’s ‘Better Business Bureau’ membership and ‘B’ rating. When you visit the Better Business Bureau you can read user reviews and view the comments made by AFC Home Club in response. They clearly make every effort to resolve any issues and are happy for potential customers to read about the times that things haven’t quite gone as well as they should. There is also a reviews section on the AFC Home Club website.

In order to obtain policy details, terms and conditions, deductibles etc. you have to contact a customer service representative.

AFC’s Warranty Coverage

What AFC covers

AFC Home Club has three basic levels of home warranty - Bronze, Silver and Gold. All plans include their Retail Buyers Rebate scheme, the program and their emergency alert network.

A basic Bronze plan covers only your water heater, air conditioning and heating systems but this would be a great option for landlords whose tenants have their own appliances. Silver is a more appliance based plan which includes the washer and dryer, oven, range, dishwasher etc.

The America’s First Choice Home Buyers Club Gold plan is the most comprehensive. It includes not only the basic systems and appliances from the Bronze and Silver plans but also the telephone, electrical and plumbing systems. Additional items such as septic tanks can be added to any plan for an additional premium.

Terms and Conditions

Full terms and conditions are not explicitly laid out on the website but information about some areas can be found in the FAQ section. For example - there is a standard $60 service fee, pre-existing conditions are not covered and there is a plan claims limit of $2,000 per appliance.

In order to obtain a full policy with terms and conditions laid out, you must contact their customer service.

Packages and Plans

Clothes Dryer 
Clothes Washer 
Kitchen Refrigerator 
Water Heater
Garbage Disposal 
Garage Door Opener 
Air Conditioning  - 1 UNIT
Heating Systems 
Electrical System  
Plumbing System  
Telephone Wiring  


There are three main plans on offer from AFC, each one improving a little on the last.

  • ‘Bronze’: coverage for your water heater, air conditioning and heating systems. Access to, as will all AFC customers, emergency alert network, retail buyers rebate and various gift cards.

  • ‘Silver’: additional coverage particularly for appliances; clothes washer/dryer, refrigerator, oven, range, stove, dishwasher, garbage disposal and garage door opener.

  • ‘Gold’ plan goes one further, by combining everything from the other two plans and adding electrical system coverage, gas, plumbing, ductwork and telephone wiring.

Additional Coverage Options are available for extra fees.

  • Pools, spas, pumps, vacuums, freezers, septic systems and specialized duplex, triplex, quadplex protection.

Pricing is entirely quote-based. Factors that will affect the price of your quote include house size, property type and state. Service charges are normally around $60 per call-out, but again vary by state.

Customer Service

AFC has a well thought out website with a great deal of information about the company. Warranty holders can submit claims by telephone 24/7 or by using the online claim form.

Whichever way you submit your claim, AFC makes a commitment to having an authorized service center contact you within 8 hours, during normal business hours, and arrange for a mutually convenient appointment time. Many of the customer reviews on their site, and on other sites, mention the fast and efficient service received.

The AFC Home Club website also has an FAQ section and reviews from existing customers.


An extensive network of local, well-established contractors is available to speedily meet customer needs. Committed to customer satisfaction, AFC Home Club uses trusted contractors that are often already known to the warranty holder.

A number of reviews from around the web, mention how happy customers have been to open the door and to find themselves face-to-face with a local contractor they have used previously - before taking out an AFC warranty.

To Sum It Up

America’s First Choice Home Club is the only home warranty company we looked at that did not require you to provide personal details to obtain a quote. With their ‘Better Business Bureau’ accreditation, the retail benefits program, emergency alert network and gift card program they offer many additional benefits not found with other home warranty companies.

Further peace of mind can be found in the knowledge that positive customer reviews can be found on multiple websites and America’s First Choice Home Club take the time to openly address customer dissatisfaction detailed on the Better Business Bureau site.

Visit AFC Home Club

Phone icon  866-242-0629

About America’s First Choice Home Club

America’s First Choice Home Club was founded by a group of experienced home warranty professionals who wanted to provide a better kind of service and ensure their customers never had to worry about the costs of home repairs.

A Better Business Bureau accredited business since Feb 2015, AFC Home Club have made a commitment to put their customers’ experiences at the top of their list of priorities.

Industry: Home Warranty Founded: 2003

CEO: John B. Craddock

Founder: John B. Craddock

Geos: United States

Last Updated: December, 2019

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