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AFC Home Warranty Review
AFC Home Warranty Review
July 01, 2019 / Sarah Pritzker
AFC Home Warranty Review
July 01, 2019 / Sarah Pritzker

In a Nutshell

AFC Home Club is the American home warranty company to have. That's because it is built on all of the basic principles that make this country great. AFC Home Club offers reasonable pricing plans, quality workmanship, and a lifetime guarantee on these services. It's as American as apple pie. Plus, you'll enjoy several benefits from joining the AFC Home Club like identity protection, discounts on restaurants, and more.


  • Choose your own contractor
  • Unique club benefits
  • Lifetime guarantee on labor and parts


  • $75 cancellation fee after first thirty days
  • No pricing info on site

AFC Home Club at a Glance

Feature Status
Annual Premium $395
Plan Types Systems, Appliances, Combo, Combo+
States 46 excluding HI, CA, SC, and AL
HVAC Yes, with most plans
Contractors In-Network, Out-of-Network, wide network
Home Inspection Required No
Claims Service Fee $60
24/7 Claims Department Yes
Workmanship Guarantee Lifetime guarantee


One reason this company is so popular among homeowners is that AFC Home Club covers a tremendous array of items with each of their plans. You'll receive coverage from 7 different home systems (detailed in the section below), and 11 different appliances (also detailed below).

But what sets AFC Home Club apart from the competition, is its coverage limits. You'll get a per item cap of between $1500-$2000. That means each item can be covered for that amount, not altogether. This is an incredibly generous policy and not something you'll find with other contracts. What's more, AFC Home Club has no caps on HVAC systems, so you are saving a bundle if one of these breaks down on you.

What Appliances and Systems Does AFC Home Club Cover?

ITEM System Plan Silver Plan Gold Plan Platinum Plan


Water heater


Plumbing Stoppages


Air conditioning


Garage door opener

Garbage disposal


Ice maker





Built-in microwave

Clothes dryer

Clothes washer

Pricing and Onboarding Deals

AFC Home Club has affordable pricing plans, but you won't find any pricing information on the site. You'll need to call a rep to discuss your situation and receive a price quote.

AFC Home Club has four different plans to choose from. This is a bit more of a variety than what most home warranty services offer. In addition to the traditional systems, appliances, and combo packages usually on offer, AFC Home Club also has a fourth plan option that is sort of a mini-combo plan. This is for people who want to cover both appliances and systems but don't want the larger price tag of having full coverage. So, a few items are left off of the list, but you get the vast majority of items covered using the Gold Plan. This is a great budget option for homeowners looking to save a little without sacrificing coverage.

Something worth noting about AFC Home Club is that when you sign up for a plan with this company, you get club benefits. Brands, stores, and products have teamed up with AFC Home Club to offer you good deals as a bonus for joining the club. Some of these include:

Free MoneyTips membership

MoneyTips is an online resource that helps people manage their finances, connect them with financial advisors, and guide them on how to best improve their current financial situation. With an AFC Home Club contract, you'll receive a free membership to MoneyTips that includes credit monitoring, identity protection, credit reports and explanations, personalized tips on how to improve your credit, and ongoing alerts.

Free DealCash membership

DealCash is a savings network that partners with thousands of restaurants and retail stores to offer discounts and free offerings.

-Free Emergency Alert Network membership

This program stores your medical information and works with emergency services in case of an emergency.

With all of these benefits bundled into your home warranty plan, AFC Home Club becomes a tremendous value for your money.

Contractors and Service

Another thing that's nice about working with AFC Home Club is that you can choose a contractor that's out of network to come to do the work in your home. So, if you have someone you work with regularly, you can call your contractor, and AFC Home Club will foot the bill. Since most services are in-network only, this is a big perk.

AFC Home Club charges a modest $60 service fee, which is lower than most places by a lot. Claims can be made 24/7, and you can either call in a claim or file one directly online. No home inspection is required, and coverage begins 30 days after you enroll. You can make as many claims as you'd like within your contract term.

We were impressed with a lot of things about AFC Home Club, but this was the cherry on top. Most home warranty services have a guarantee on parts and workmanship. This is usually 30-60 days from the service date. AFC Home Club offers its customers a lifetime guarantee. That is unbelievable! It really puts AFC Home Club at the top of the list.

How Does AFC Home Club Compare?

Feature AFC Total Home Protection Advanced Home Warranty
Annual Premium From $395 Varies averages $400 From $445.50
Number of contractors Wide network, can use in-network or out of network contractors Nationwide network Wide National network
Home Inspection Required No No No
24/7 Claims Yes Yes Yes
Workmanship Guarantee Lifetime 30 days for labor,90 days for parts 30 days for service,90 days for parts

What Do People Say About AFC Home Club?

“I don't believe any company could do any better! They commission a repair person within MINUTES! Who called us immediately! and was here the same day! The original quote was for $400 which AFC said they would pay in full upon completion with only a small deductible. The installer mistakenly installed an AC motor powered garage door opener and we noticed it was pretty noisy. He called AFC and told them it was going to cost $100 more for a DC motor (which was what we originally had). We fully expected to have fight or pay the $100 but AFC stepped up to the plate and graciously approved the $500 repair, with no grief!” - A May 16, 2019

“I've been with AFC going on four years and submitting a claim with them was easy. The reps were very nice and they did the best they can. They put the claim in and answered the questions. They were very courteous.” - Chantilay June 12, 2019

“I chose AFC over a different home warranty provider because of the service charge and the coverage. We've done one claim and it was very smooth with the claims reps. They were very courteous. The technicians were wonderful. They were on time, courteous and very professional. They came in and did exactly what they were supposed to do.” - Alice June 11, 2019

Bottom Line

AFC Home Club is the real deal. The company is professional, fast, and courteous while still being personal and flexible. AFC Home Club offers several plans, which makes it easier for homeowners to find one that fits within their budget. And the large network of professional contracts ensures a speedy response to claims.

About AFC Home Club

AFC Home Club has been in business for more than ten years and has earned a solid reputation for being reliable, fair, and reasonable among its customers. The company focuses on prompt, professional, and personalized service, so you always get the best care for your home. AFC Home Club holds a B rating from the BBB, one of the highest in this industry, and accreditation, something almost unheard of with home warranty services.

By Sarah Pritzker
Sarah Pritzker is a professional writer who loves scouring the web looking for the coolest products and services at the best prices. Sarah writes for Sarah has lived and traveled all over the world, but has finally settled down with her family in the Middle East - and yes, she misses winter!
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