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AFC Home Warranty Review (2024)

Home Warranty With a Quick Claim Response Time
By Katy WardBy Katy Ward -
Last Updated: Feb 29, 2024
24 reviews
by
logo-AFC HOME WARRANTY
Visit Site
Average annual premium
From about $350/year
Contractors
Choose your own
Service call fee
$75 to $125

Is AFC Home Warranty Worth It?

Accredited by the Better Business Bureau, AFC Home Warranty could provide affordable and reliable coverage for your home’s systems and appliances. It offers 4 plans—Systems, Silver, Gold, and Platinum—and has a 24/7 claims service, while also guaranteeing repairs for the life of your plan. While its plans have several exclusions, this isn’t uncommon and the provider will allow you to select your own contractor, which will be appealing for many.

Average annual premium
From about $350/year
Contractors
Choose your own
Service call fee
$75 to $125

AFC Home Warranty at a Glance

10.0
Editorial Score

Contractor Network

Nationwide technicians network and you can choose your own technician
10.0

Plans

4 plans: Platinum for up to 18, Gold for up to 15 appliances & systems, Silver for up to 9 appliances, and Systems for 6 systems
10.0

Response Time

24-48 hours
10.0

Customer Service

In-house service line is operated 24/7, so you can call 855-613-4555 at any time, some FAQs on the site
10.0

Offers

Seasonal sales applied at checkout
10.0

AFC Home Warranty Pros & Cons

PROS

Home inspection/maintenance records not required
Unlimited number of service requests
Freedom to choose own contractor

CONS

Live chat not available
App not available

Top AFC Home Warranty Reviews

TD
Tom Donnelly
Promptly handled my claim
Promptly handled my claim. Immediately dispatched a repair technician. Problem fixed quickly without the slightest delay or hassle.
Ch
Charles
You can hire your own service company
the ability to choose my own technician is very important to me. I know by doing so I get the caliber of person that I always have dealt with for the maintenance of my equipment. They also are very prompt in paying me for the monies I spend to have the repair done. I would recommend AFC to anyone looking for a Home Warranty Company!
VF
Vivian Fred
Great home warrant for service and…
Great home warrant for service and coverage.
See all AFC Home Warranty reviews

How do I know I can trust this AFC Home Warranty review?

Top10.com authors, contributors, and editors are serious about research. We combine our own experience with the services we recommend, with reviews that come from verified users–just like you! Together, with reviews from industry experts, we find the Top 10 best products and services to make sure you can choose with confidence and ease.

AFC Home Warranty AFC Home Warranty Visit Site

What’s Unique About AFC Home Warranty?

When you take out a plan, you’ll receive access to discounts and services from the following:

  • MoneyTips: free credit monitoring and identity protection alerts
  • Encompass: access to discounted rates on home maintenance parts
  • ADT: discounted rates on monitored home security
  • Emergency Alert Network: in the event of an emergency, you can receive vital medical information and alerts on those closest to you
  • Deal Cash: savings at participating restaurants and retailers nationwide

Once your repairs have been completed, AFC Home Warranty will guarantee the work for the lifetime of your plan, which it states is the longest guarantee in its industry

Is AFC Home Warranty and Reliable?

AFC Home Warranty has a B accreditation with the Better Business Bureau and an average rating of 3.28 out of 5 based on customer reviews. The majority of favorable reviewers speak enthusiastically about the efficiency of its customer support, while some customers comment on unexpected exclusions on their policies. AFC Home Warranty is also a member of the National Home Service Contract Association.

How AFC Home Warranty Works

If you’d like to take out a plan, the first step is to enter your address into AFC Home Warranty’s online quote tool and then state whether you’re a homeowner or in the process of buying or selling your home. This takes as little as 30 seconds, and you’ll receive a selection of quotes for all 4 available plan types.

Overall, we found the process of obtaining a quote very straightforward, with easy-to-navigate forms and simple, jargon-free language.

AFC Home Warranty Plans and Coverage

You can choose between 4 plan types.

Covered Item
Systems Plan
Silver plan
Gold plan
Platinum plan

Best for essential systems
Best for full bells-and-whistles coverage
Clothes dryer
-

Clothes washer
-

Kitchen refrigerator
-

Oven 

-

Range

-

Ice maker
-

-

-

Dishwasher
-

Built-in microwave
-

-

-

Garbage disposal

-

Garage door opener

-

Air conditioning and cooler

-

Heating system

-

Water heater

-

Electrical system

-

Plumbing stoppages

-

-

-

Plumbing system

-

Ductwork

-


Optional Add-Ons

Whichever plan you choose, you can add coverage for the following:

  • Sump pump
  • Hot water dispenser
  • Standalone freezer
  • Septic system
  • Central vac
  • Well pump
  • Tankless water heater
  • Spa and pool

Plan Exclusions

You will not be covered against:

  • Pre-existing conditions

  • Malfunctions due to rust or corrosion

  • Collapsed ductwork

  • Secondary damage resulting from a part that is not covered

  • Cosmetic defects

  • Routine maintenance

  • Claims involving hazardous materials 

  • Chemical or sedimentary build-up 

  • failure to clean or maintain items

  • Missing parts

  • Structural changes

  • Fire

  • Freezing

  • Electrical failure

  • Water damage

  • “Acts of God” such as lightning, mud, earthquakes, storms

  • Pest damage

  • Construction or carpentry


How to file a claim with AFC Home Warranty

If you need to make a service request, you can do so 24/7 online or over the phone by providing the make, model, and the serial number of the defective item. You’ll need to fill out a form for each appliance if your claim relates to several goods.

Unlike with some of AFC Home Warranty’s competitors, you can select your own licensed tradesperson. If you don’t wish to do so, the team will connect you with a qualified professional in your area, and you’ll then receive an email containing his or her contact information. 

With the latter option, AFC Home Warranty will contact a tradesperson on your behalf within 24 to 48 hours, although factors such as the technician’s availability may affect the timing of the visit.

If the contractor is unable to repair any item covered by your plan, AFC Home Warranty will reimburse you for its fair market value.

You won’t be able to file any claims within 30 days of purchasing your policy and, if a fault occurs within 31–60 days, you’ll be subject to a $150 payout cap per item. 

After this period, a $2,000 payout cap will apply to all items, with the following exceptions:

  • Icemakers: $200

  • Garbage disposal: $125

  • Garage door opener: $500

  • Built-in microwave: $1,000

  • Refrigerator: $25 per pound

  • Standard thermostat: $80

  • Ductwork: $250

  • Water heater: $1,000

  • Plumbing systems and stoppages: $500

  • Pool/spa equipment: $500 per year

  • Well pump: $500

  • Sump pump: $500

  • Central vacuum: $200

  • Standalone freezer: $500

  • Second refrigerator: $500

  • Septic system: $500

  • Hot water system: $200

  • Tankless water heater: $750


AFC Home Warranty Customer Support

If you need to make a claim or have questions about your plan, you can contact AFC Home Warranty over the phone, via an online portal, or by email. We contacted the company over email but did not receive a response after five days.

Although its in-house support line operates 24/7, the provider stresses that many of its technicians may not be available out of business hours.

AFC Home Warranty does offer a detailed selection of FAQs and a blog that provides information on topics relevant to homeowners and renters.

Is There an AFC Home Warranty App?

The provider doesn’t currently have an app.

AFC Home WarrantyPricing

As AFC Home Warranty doesn’t offer a pricing breakdown online, we entered the information for a homeowner with a New York zip code and received the following quotes.


Plan type
Systems
Silver
Gold
Platinum

Pay annually

$431

$345

$518 

$575

Pay monthly

$40.75

$33.58

$47.92

$52.75


We then repeated the process for a zip code in Texas on a currently owned home of 2,000 square feet.

Plan type
Systems
Silver
Gold
Platinum

Pay annually

$425

$350

$500

$550

Pay monthly

$39.58

$33.33

$45.83

$50


Overall, we found these quotes to be roughly in line with industry standards.

You’ll also pay a service fee directly to the technician who visits your home. This fee will be $75, $100, or $125, presented when you take out your policy and dependent on the type of cover you choose.

AFC Home Warranty Alternatives

When we compared AFC Home Warranty against others in the market, we found the provider to be broadly in line with many of its competitors in terms of service fees and service request availability. However, its premium costs are at the lower end of the spectrum, and we were also pleased to see that the provider allows customers to select their own contractors.


American Home Shield
First American Home Warranty
Liberty Home Guard

Average annual premium

$500–$700

$372-$546 

$499.99-$639.99

Contractors

17,000 in network

N.A

10,000 in-network

Service call fee

$75–$125

$85

$75-$150

Service requests

24/7 online and phone

24/7 online and phone

24/7 online and phone


AFC Home Warranty vs. American Home Shield

When it comes to pricing, AFC Home Warranty has a clear advantage over its competitor. While American Home Shield could have costs as high as $700, the highest quote we obtained from AFC Home Warranty was well over $100 cheaper. In terms of service fees, we found nothing to set the two apart as they each quoted us identical amounts, while both companies also allow customers to make claims 24/7, either online or over the phone. One of the most attractive features we identified with American Home Shield is its refer-a-friend scheme, which rewards you with a $25 Amazon voucher if you refer a customer who goes on to purchase a policy.

AFC Home Warranty vs. First American Home Warranty

If premium costs are your top priority, these providers are an extremely close match, with just dollars setting them apart. In terms of service fees, AFC Home Warranty quoted us a range of $75-$125, while we were given $85 from First American Home Warranty. While AFC Home Club enables customers to choose which contractor visits their home, First American has its own fully vetted local network. Like many companies in the industry, both providers offer a 24/7 claims service both online and over the phone. If you’re considering a plan from First American Home Warranty, you may be interested to learn the company offers new-for-old replacements on items beyond repair.

AFC Home Warranty vs. Liberty Home Guard

As one of the more affordable companies in the market, AFC Home Warranty beats Liberty Home Guard on premium costs, and the average premium quotes we obtained for AFC Home Warranty were typically over $100 lower than those of its rival. However, you should bear in mind that Liberty also offers two months’ free coverage to customers who pay their bill annually. And although the service fees we obtained were broadly similar, Liberty Home Guard has the potential to be slightly higher ($75-$125 against $175-$150). While Liberty Home Guard has a medium-sized network of 10,000, AFC Home Club allows customers to select their own tradespeople.

AFC Home Warranty AFC Home Warranty Visit Site

Bottom Line  

If you’re seeking coverage for your home’s appliances and systems, AFC Home Warranty offers a number of features that set it apart from its competitors. In particular, we were impressed by the ability to choose your own contractor and the company’s promise to guarantee all repairs for the term of your plan. Although there are payout caps, these are explained clearly in the sample contracts available on the company’s website.

Frequently Asked Questions
What is AFC Home Club?+-

AFC Home Club doesn’t describe itself as a home warranty company. This, it states, is because only an item's manufacturer can provide a warranty on the product. Instead, it provides service contractors to repair items in your home when they break down.

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

Once you sign up for a plan, you’ll receive a wide array of benefits. These include credit checking services, discounted home parts supplies, and specialist medical alerts in the event of an emergency. For full details of the benefits available, see our What’s Unique about AFC Home Club section.

When does AFC Home Club coverage begin?+-

Your coverage will begin 30 days after you enroll and pay.

Does AFC Home Club require a home inspection?+-

No, although the provider does stipulate that HVAC items receive annual maintenance.

How much does AFC Home Club cost?+-

The exact amount you pay will depend on factors such as your plan type and the level of service fee you choose. When we entered the details for a property in New York, we received a selection of quotes between $345 and $575 per year.

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance.

AFC Home Warranty reviews

Average • Reviews 24
on
Excellent
29%
Great
4%
Average
4%
Poor
8%
Bad
54%
Sort by
TD
Tom Donnelly
11 months ago
Promptly handled my claim
Promptly handled my claim. Immediately dispatched a repair technician. Problem fixed quickly without the slightest delay or hassle.
Ch
Charles
11 months ago
You can hire your own service company
the ability to choose my own technician is very important to me. I know by doing so I get the caliber of person that I always have dealt with for the maintenance of my equipment. They also are very prompt in paying me for the monies I spend to have the repair done. I would recommend AFC to anyone looking for a Home Warranty Company!
VF
Vivian Fred
11 months ago
Great home warrant for service and…
Great home warrant for service and coverage.
PS
Pastor Robert Smith
1 year ago
Excellent respond time and took care of…
Excellent respond time and took care of the problem!

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