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America’s First Choice (AFC) Home Club Reviews: Guide For 2021

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Published on August 17, 2021
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Are you a homeowner worried that your finances can't handle your water heater bursting, your furnace conking out or your dishwasher leaking all over your kitchen floor? A home warranty might be an option.

A home warranty is a bit like an insurance policy – it pays out when a covered appliance or system in your home breaks down. That way, you don't have to shell out the dollars to replace or repair the broken-down appliance. Home warranties aren't free: You'll be charged a monthly fee. You'll have to determine whether that fee is worth the peace of mind a home warranty provides.

There are plenty of home warranty companies offering this protection. That includes one of the bigger providers out there, America's First Choice Home Club.

What Is America’s First Choice Home Club? 

America's First Choice Home Club (AFC Home Club) is a home warranty service provider that’s accredited by Consumer’s Advocate, Consumer Affairs and the Better Business Bureau (BBB). It’s in-house service team takes service calls or online requests 24 hours a day, 7 days per week. That means if your system breaks down in the middle of the night, AFC Home Club will be standing by to assist you. Unlike other home warranty companies, AFC Home Club guarantees the repair for the life of your plan, typically 1 – 3 years.

What Does America’s First Choice Home Club Cover?

America's First Choice Home Club is a home warranty company that offers several warranty plans for the appliances in your home. These plans cover different appliances and systems and come with different monthly fees. Some plans might cover your home's air conditioning, heating systems and water heater, while others won't. More expensive plans will cover everything from damages or repairs to your home's ductwork, refrigerator, oven and dishwasher to your garage door opener, central air conditioning system and furnace.

America's First Choice Home Club is accredited by Consumer's Advocate, Consumer Affairs and the Better Business Bureau. The company has an in-house service team that’s available to warranty holders 24 hours a day, 7 days a week. This is important: If your furnace breaks down in the middle of a winter night, you won't have to leave a message and wait for a call back the next morning.

AFC Home Club also guarantees any repairs for the life of your warranty plan, usually one to three years.

Item Coverage

Platinum Plan

Gold Plan

Silver Plan

System Plan

Air Conditioning

Yes

Yes

No

Yes

Heating Systems

Yes

Yes

No

Yes

Water Heater

Yes

Yes

No

Yes

Electrical System

Yes

Yes

No

Yes

Plumbing System

Yes

Yes

No

Yes

Plumbing Stoppages

Yes

No

No

No

Ductwork

Yes

Yes

No

Yes

Clothes Dryer

Yes

Yes

Yes

No

Clothes Washer

Yes

Yes

Yes

No

Kitchen Refrigerator

Yes

Yes

Yes

No

Ice Maker

Yes

No

No

No

Oven

Yes

Yes

Yes

No

Range

Yes

Yes

Yes

No

Stove/Cooktop

Yes

Yes

Yes

No

Dishwasher

Yes

Yes

Yes

No

Garbage Disposal

Yes

Yes

Yes

No

Garage Door Opener

Yes

Yes

Yes

No

Built-In Microwave

Yes

No

No

No

America’s First Choice Home Warranty Reviews

How do you know if AFC Home Club is the right choice for you? It can help to read what others are saying about the company and the financial protection it offers. Here are reviews from consumer sites across the internet. As you can see, AFC Home Club gets generally positive reviews from these independent sites.

ReviewHomeWarranties

ReviewHomeWarranties gave AFC Home Club a strong overall rating of 91.8%, granting the company especially high marks for its variety of plans and coverage and its trustworthiness. ReviewHomeWarranties said that for homeowners looking for the most protection, AFC Home Club's Gold Plan is the best choice as it covers both appliances and all major home systems. The site also praised AFC Home Club for offering 24/7 service calls and giving homeowners the option to choose plans based on varying service fees. One negative? ReviewHomeWarranties said AFC Home Club's cancellation fee of $75, which it charges when consumers cancel their contracts within 30 days of signing them, is a bit higher than industry average.

U.S. News & World Report

U.S. News & World Report gave AFC Home Club a rating of 3.7 out of five stars and ranked the company as the seventh best home warranty company in the United States in 2021. The pros? U.S. News liked that homeowners can choose their own service providers and that AFC Home Club offers a longer workmanship guarantee than many competitors do. On the negative side, U.S. News said AFC's most comprehensive plan's monthly cost of $67.50 is on the higher end in this field.

Consumers Advocate

Consumers Advocate gave AFC Home Club a rating of 4.6 out of five, good enough to rank the company as "Excellent" in the review site's opinion. The site gave AFC good ratings on pricing, service and flexibility, noting that customers can choose from one of several different service packages. Consumers Advocate said, too, that AFC Home Club's warranty programs cover most of the important systems and appliances in a home.

HomeWarrantyReviews.com

HomeWarrantyReviews.com gave a more neutral view of AFC Home Club, giving it a rating of three out of five stars. On the plus side, the site referred to the club as being pocket-friendly for its relatively low-cost premiums. It also praised AFC Home Club for allowing customers to choose their own local service providers. Customer reviews on the site, though, were more of a mixed bag, with many writing in to complain about low offers when it came time to replace or repair home appliances or systems.

AFC Home Warranty Plans And Coverage

AFC Home Club offers four plans, with the Platinum Plan covering most home appliances and systems and the Silver Plan offering less coverage. AFC also offers the Systems Plan, which doesn't cover any appliances but does cover home systems such as its electrical and plumbing systems.

Item Coverage

Platinum Plan

Gold Plan

Silver Plan

System Plan

Air Conditioning

Yes

Yes

No

Yes

Heating Systems

Yes

Yes

No

Yes

Water Heater

Yes

Yes

No

Yes

Electrical System

Yes

Yes

No

Yes

Plumbing System

Yes

Yes

No

Yes

Plumbing Stoppages

Yes

No

No

No

Ductwork

Yes

Yes

No

Yes

Clothes Dryer

Yes

Yes

Yes

No

Clothes Washer

Yes

Yes

Yes

No

Kitchen Refrigerator

Yes

Yes

Yes

No

Ice Maker

Yes

No

No

No

Oven

Yes

Yes

Yes

No

Range

Yes

Yes

Yes

No

Stove/Cooktop

Yes

Yes

Yes

No

Dishwasher

Yes

Yes

Yes

No

Garbage Disposal

Yes

Yes

Yes

No

Garage Door Opener

Yes

Yes

Yes

No

Built-In Microwave

Yes

No

No

No

Platinum Plan

The Platinum Plan is the most inclusive offered by AFC Home Club, covering a long list of home appliances and systems. This plan covers everything from ice makers and kitchen refrigerators to a home’s heating, electrical and plumbing systems.

Gold Plan

The Gold Plan is the second most inclusive plan, covering just about everything that the Platinum Plan does. The only items that the Gold Plan doesn’t cover? Built-in microwaves, ice makers and plumbing stoppages.

Silver Plan

The Silver Plan is a less expensive option, covering most home appliances but none of a home’s systems. This means that the plan won’t cover a home’s air conditioning, heating systems, water heater, electrical systems, plumbing and ductwork. It will, though, cover all appliances except for built-in microwaves and ice makers.

Systems Plan

The Systems Plan is the opposite of the Silver Plan, covering a home’s systems but not its appliances. It, too, is a lower-cost option. This plan covers a home's air conditioning, heating systems, water heater, electrical system, plumbing system and ductwork. It won't, though, cover clothes washers, kitchen refrigerators, dishwashers, garbage disposals and other appliances.

Additional Coverage

Want more coverage? You can pay extra to add other items to your warranty. These add-ons include:

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

AFC Home Club Pricing

How much you spend on an AFC Home Club warranty depends on the policy you choose, with the Platinum and Gold Plans costing the most each month. If you’re looking for savings and are comfortable with coverage on fewer systems or appliances, consider the Silver or Systems Plans.

Pricing By Plan

You can visit AFC Home Club’s plans and pricing page to get more information about each plan and exactly what it covers. You can click on covered appliances or home systems to learn more about what repairs will be covered and which ones won’t. You’ll learn, for example, that AFC Home Club’s Platinum and Gold Plans each cover two air conditioning units.

Visiting this page will also give you more information about what parts of each appliance or system are covered. As an example? AFC will cover a washing machine’s control board and drain pump. It won’t, though, provide coverage for damage done to or repairs needed for the machine’s drum, seals or gaskets. It’s important, then, to study a contract carefully before you sign up for one.

Your price will vary not only by plan type. It will also be higher or lower if you pay annually or monthly, with your fee per month lower with an annual plan. Your price will rise or fall, too, depending on the service call fee level you select. You can influence your plan fee, too, depending on the length of your contract. The state in which you live also matters.

The chart below gives a look at what you might pay per month for AFC Home Club plans. Just be aware that these prices will vary based on the factors listed above.

AFC Home Club Pricing

Plan Type

Monthly Cost

Platinum

$59.09

Gold

$52.27

Silver

$43.18

Systems

$43.18

  

Service Fees

As with most home warranty providers, you'll pay a service call fee every time you call a plumber, electrician, carpenter, handyman or other service professional to your home. This fee will be the same no matter what type of professional you call.

You can choose from three different service fees: $75, $100 or $125. If you choose a lower service fee, the cost of your plan will be higher. If you choose a higher service fee, your plan cost will be lower.

States That Offer AFC Home Club Warranties

AFC Home Club offers warranties in most states. The only state in which the company doesn’t operate is Hawaii.

How America’s First Choice Home Club Matches Up Against The Competition

How does AFC Home Club compare to competing home warranty companies? Here’s a quick look at some of the company’s main competitors.

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

Choice Home Warranty offers two coverage plans instead of the four provided by AFC Home Club. The company's basic plan covers 14 appliances and home systems. The Total Plan covers 18. As with AFC Home Club, you can customize your plan by adding -- and paying for -- coverage on additional systems and appliances. Choice Home Warranty has a nationwide network with more than 15,000 contractors.

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

Select Home Warranty offers three different plans: Bronze, Gold and Platinum. The Bronze Plan focuses on appliances such as refrigerators, washers, dishwashers and clothes dryers. The company's Gold Plan covers home systems, including plumbing, electrical and HVAC systems. If you want coverage for both appliances and systems, you'll need to sign up for Select Home Warranty's Platinum Plan. This company frequently offers discounts. As of the writing of this story, Select Home Warranty was offering a discount of $150 on any plan plus 2 free months and free roof coverage.

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

American Home Shield offers its own set of three plans. One covers appliances, a second covers home systems and a third covers a combination of both. As with the plans offered by AFC Home Club, homeowners can add additional coverages to each of these plans for an extra cost. And as with AFC Home Club, owners can choose from among different fees for service calls, which can help them lower their monthly payments. As with other providers, the higher the service call fee, the lower monthly fee for homeowners.

Frequently Asked Questions

Does AFC Home Club have a waiting period before coverage begins?

Yes. Coverage begins 30 days after you enroll in an AFC Home Club warranty plan.

How long is a contract term with AFC Home Club?

Homeowners can choose a 1-year contract or 3-year plans.

Does AFC Home Club require home inspections?

You do not need to order a home inspection to take out a warranty with AFC Home Club.

What is AFC Home Club’s refund policy?

You can cancel an AFC Home Club contract at any time. If you cancel within the 30-day waiting period before coverage begins, you’ll receive a full refund. If you cancel after coverage beings, you’ll receive a prorated refund based on the months still remaining in your plan. You might have to pay a cancellation fee of $75.

Does AFC Home Club have any limits to the number of service requests per contract?

No. The company says homeowners can make as many service calls as they’d like. The number of service calls does not impact the price homeowners pay for their plans.

When can you make service calls?

AFC Home Club says its in-house service line is open 24/7. This doesn’t guarantee, though, that a technician will be able to arrive at your home in the middle of the night. Most plumbers, electricians and other technicians do not make emergency service calls after business hours.

What is the average deductible for AFC Home Club?

You’ll have to pay a service fee every time you call for service at your home. You can choose what this fee will be: $75, $100 or $125. This fee is paid directly to the plumber, electrician or other service professional who comes to your home. The lower the service fee, the higher your monthly payment will be. If you choose the highest service fee, your monthly payment will be lower.

How is AFC Home Club rated?

The Better Business Bureau gives AFC Home Club a rating of B. The company receives a rating of 3.3 stars out of five based on an average of 427 customer reviews. As of the writing of this story, the Better Business Bureau reported 152 complaints about AFC Home Club in the prior 3 years and 45 in the prior 12 months.

How is an AFC Home Club warranty different from homeowners insurance?

It's easy to get them confused, but a home warranty is not the same as a homeowners insurance policy. A home warranty will provide coverage for specific appliances and systems in your home, according to whichever warranty plan you select. But homeowners insurance provides coverage in case your home is damaged or destroyed or someone breaks into your residence and steals your most valuable items.

If your home is destroyed by a fire, your homeowners insurance will pay to help you rebuild. If a thief breaks into your home and steals your TV, stereo system, computers and jewelry, a homeowners insurance policy will pay out to help you replace these items. Homeowners insurance also comes with liability protection. If someone is injured while visiting your home – maybe someone falls down the stairs or slips on your sidewalk – the policy will help pay legal or medical fees if you're found responsible for any resulting injuries.

When you take out a mortgage loan, your lender will require that you invest in a homeowners insurance policy. Taking out a home warranty is always optional.

Can you get a discount for covering more than one home?

Yes. AFC Home Club offers discount pricing if you sign up for home warranty contracts on more than one home.

Does your policy rate increase when you renew a contract?

No. AFC Home Club says it will offer you the same rate and service fee level when you renew a contract.

The Bottom Line: Why We Like America’s First Choice Home Club

One of the main selling points of AFC Home Club is the guarantees it offers on repairs. Some home warranty companies guarantee repairs for just 60 or 90 days. AFC Home Club guarantees repairs for the life of your home warranty plan.

AFC Home Club also offers other benefits. This includes free credit monitoring and identity protection services, discounts on home security systems and bargains on appliance parts and supplies.

To learn more about AFC Home Club and its services, get a home warranty quote today.

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Dan Rafter

Dan Rafter has been writing about personal finance for more than 15 years. He's written for publications ranging from the Chicago Tribune and Washington Post to Wise Bread, RocketMortgage.com and RocketHQ.com.