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AFC Home Club Review

Get the help that you need with a home warranty and see if AFC Home Club is the best in our in-depth review of the plans and services.

Advertising Disclosure: Many or all of the companies featured provide compensation to us. These commissions are how we maintain our free service for consumers.  Compensation,  along with hours of in-depth research, determines where & how companies appear on our site.

Advertising Disclosure

Many or all of the companies featured provide compensation to us. These commissions are how we maintain our free service for consumers. Compensation, along with hours of in-depth research, determines where & how companies appear on our site.

AFC Home Club Review
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AFC Home Club responds quickly thanks to its in-house team and can schedule an appointment within a few days. It is available 24/7 and includes bonuses for customers such as identity theft protection and credit monitoring.


You only have one day to file a claim as soon as you notice a problem with your warranty to cover it. If you need to cancel your appointment for any reason, you’ll face a $75 charge.


Unlike other companies that treat you as a customer, AFC Home Club treats you as a member of its special club. Members receive all the standard coverage of a home warranty with extras such as credit monitoring to keep them safe.

What is the AFC Home Club?

Also known as America’s 1st Choice Home Club, AFC Home Club operates in a different way than other home warranty companies do because it asks you to become a member rather than a customer. New members are subjected to a 30-day waiting period. As soon as that period passes, you can call in or log on to file a claim. With AFC Home Club, you get added protection that most companies do not offer too. Those services help you stay safe during online security breaches.

Features and Services

As a member of the AFC Home Club, you have the choice of opting for only the services and coverage that you need. With four plans available, you don’t need to worry that you might choose the wrong one. In addition to plans that cover only systems and appliances, you can opt for those that cover both. One of the top plans will even cover plumbing stoppages. Whether you have tree roots that block your lines or a serious problem with your septic tank, AFC Home Club allows you to file a claim.

To set itself apart from similar companies, AFC Home Club offers an extended warranty on all work done. Many companies only cover repairs for one or two months, but AFC Home Club covers that repair for the length of your contract. If you have a three-year plan, the warranty lasts until the last day of your plan. You’ll also find an in-house team full of reps who put members first. Not only are they available 24/7 when you need to make a claim, but they can help you file a claim over the phone or on the AFC Home Club website.

Plans and Coverage

AFC Home Club offers more plans that almost any other. The Silver Plan is the most basic as well as the cheapest. It covers most home appliances, including your garage door opener, microwave, washer, dryer, dishwasher, refrigerator and stove. If you’re worried about the systems in your home, the System Plan will cover your heating and cooling system, water heater, ductwork and both your plumbing and electrical systems.

The Gold Plan offers coverage from both of the previous plans. It allows you to file claims for problems with either an appliance or systems. The Gold Plan does not cover plumbing stoppages or certain types of appliances. If you have a built-in microwave or an icemaker, you’ll want to opt for the Platinum Plan. Though it is the most expensive, it’s the only one that covers both those appliances as well as plumbing stoppages.

You also have the option of upgrading and adding new types of coverage to your plan. AFC Home Club has policies that cover your sump pump and septic systems. Other upgrades cover your spa and/or pool equipment and your hot water dispenser or tankless water heater. Another upgrade pays for issues relating to a standalone freezer.

Who is This For?

Though you have many options when it comes to a home warranty company, you might choose AFC Home Club because you want more than just another warranty. The credit monitoring that it offers makes it well worth the higher price tag. That monitoring scours the web to find issues connected to your name and private information. The company notifies you and offers identity theft protection to make sure that no one uses that data to steal your identity.

This is also a good choice for those who want strong protection but want to pay in different ways. While you can pay the total cost of your warranty upfront, you can also break the cost into 11 monthly payments. This brings the total up slightly but helps you stick to your monthly budget. AFC Home Club also offers three-year plans for those who want extended coverage. You can make monthly payments or pay for all three years at the same time.

How it Works

The waiting period imposed by AFC Home Club is there to prevent people from taking advantage of the company. It keeps people from signing up when they have a problem and instantly setting up an appointment before ending their contracts. Your plan will last for 365 days from the date that you purchased it, which gives you months to file claims and get help.

One of the nice features of the AFC Home Club is that it doesn’t limit you. No matter how many problems you have, you don’t need to worry about the company canceling your plan. When you schedule an appointment, you pick the date and time that works best for you. A tech will come out and diagnose the issue. AFC Home Club doesn’t mention in its contract that you are responsible for paying a service fee at the beginning of each appointment. Many technicians will not step foot in your home until you pay the fee. This fee can range from $75 to $150 or more but is still cheaper than most repairs.


AFC Home Club is quite secretive about the prices that it charges but gives you the option of getting a free quote. You just need to fill out a form with your contact information and zip code. This allows the company to make sure that you’re in its coverage area. Based on current prices for 2024, the amount that you pay will depend on both the plan level that you select and how long you want the warranty to last as well as how often you want to pay.

Those who choose the Silver Plan pay $400 for one year of service if they pay the total amount at the beginning of the year. This increases to $475 per year when you agree to pay $43.18 a month for 11 months. It is also available as a three-year plan that costs $1,195 upfront or $69.44 per month for 18 months. The Gold Plan costs $550 upfront or $52.27 per month for 11 months. If you choose the Platinum Plan, you can pay either $625 for the year or $59.09 for 11 months. All of these plans include monthly and upfront payments for three years of service too. The Systems plan costs as little as $450 for one year of service.

Warranty Claims

Thanks to unlimited warranty claims, AFC Home Club will never stop your plan before it ends or charge you any fees for setting up multiple appointments. As long as you are up to date on your payments, it will cover your services. This allows you to make an appointment every month of the year to take care of any repairs that you encounter in a new home. Another thing to keep in mind is that all AFC Home Club home warranty plans transfer to new owners. If you bought a plan and decide to sell your house, you can transfer the warranty to the new owners for just $50. Some companies do not include that option.

Final Verdict

AFC Home Club offers home warranty plans that can cover nearly everything in your home. Not only can you get help if your appliances stop working, but you can opt for a plan that covers electrical and plumbing repairs too. You no longer need to pay expensive emergency fees when something goes wrong because you can call AFC Home Club and schedule an appointment with a trained local technician. All members receive identify theft protection and credit monitoring too, which can come in handy if your bank doesn’t offer those services. While you do need to wait 30 days after signing up before you can file a claim, the process is very easy. AFC Home Club can arrange appointments within days of your call, which makes it one of the fastest home warranty companies.

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