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AFC Home Club Review
In a Nutshell: AFC Home Warranty offers reliable coverage and flexible pricing with highly-rated customer service.
AFC Home Club Review
In a Nutshell: AFC Home Warranty offers reliable coverage and flexible pricing with highly-rated customer service.
AFC Home Club Review
In a Nutshell: AFC Home Warranty offers reliable coverage and flexible pricing with highly-rated customer service.

Overview

Owning a home has never been more expensive, but you can give yourself peace of mind with AFC Home Warranty. This home warranty provider ensures coverage if important systems and appliances break down. Rather than foot the bill each time something needs repair, call AFC. Their in-house service team is available 24/7 to help.

With AFC home warranty, you get flexible pricing to fit the needs of your home. Choose from four packages available, starting with its most basic coverage of nine appliances. You can upgrade to plans as needed plus purchase additional coverage for your pool, spa, sump pump, septic system, and more.

Although not available in all 50 states, AFC offers flexible pricing and attentive customer support. Not to mention, a plan with AFC comes with additional benefits like savings on identity theft protection and concierge services to find utility providers and smart home security.

Packages

Customers have the flexibility to choose among four coverage options so they can pay for what they need. Plus, AFC has optional add-ons so you can add coverage for your pool, spa, sump pump, septic system, and more. And, unlike other home warranty plans, AFC offers additional benefits like savings on identity theft protection and concierge services to find utility providers and smart home security.

Diamond Plan

Includes 18 systems and appliances + electronics (including smartphones) and exterior water and sewer lines

Platinum Plan

Includes 18 systems and appliances + built-in microwave, plumbing stoppages, and refrigerator ice maker

Gold Plan

Includes 15 systems and appliances

Silver Plan

Covers 9 appliances, includes clothes washer, clothes dryer, kitchen refrigerator, over/range, cooktop, stove, dishwasher, garbage disposal, and garage door opener

Optional Add-Ons

Pay extra as needed for coverage of in ground pool, in ground spa, septic system, sump pump, well pump, stand alone freezer, roof leak, and electronics

Terms of Service

Like most home warranty providers, AFC has certain terms and conditions on units that they will repair or replace. AFC won’t cover any item that is still under warranty from the manufacturer. They also do not cover malfunction due to the following:

  • Rust or corrosion
  • Mold or mildew
  • Misuse or abuse
  • Failure to maintain equipment
  • Fire, power surges, electrical shorts, water damage, lightning or storms
  • Pest damage

Keep in mind that systems and appliances that exceed a certain age will not fall under coverage. Also, AFC has specific coverage limits for each type of system and appliance. Make sure to read your contract thoroughly to understand the fine print before signing up.

Customer Support

AFC offers around the clock support, and you can reach out to their in-house customer service team 24/7. AFC offers a speedy claims process and highly responsive support. If you have any questions, you can give them a call at 866-242-0629.

AFC is a BBB-accredited business with a B-rating. On Trustpilot, AFC received an average 3 out of 5-star rating out of over 20 reviews.

So what do customers have to say about their experience with AFC Home Club? Customers give the home warranty provider mixed reviews. Some love the easy, fast claims process. AFC quickly responds and dispatches a repair technician. Others complain that rates cost too high and issues getting repairs on older units. Customers have also felt that they don’t get enough value for money with their plan.

Home Warranty Pricing

AFC calculates your rate based on the following factors:

  • Your home’s square footage
  • Coverage plan
  • Selected service fee ($75, $100, or $125)
  • Any add-on coverage

The cost of your home warranty will vary depending on your selected plan and property. You can also adjust your rate by choosing a higher (or lower) service fee. You can choose a service fee of $75, $100, or $125: the higher the service fee, the lower the cost of the plan. Head to the website to get a free quote before signing up. Once you get your pricing, you lock in your rate for the next five years.

Frequently Asked Questions (FAQs) About Home Warranty
What is a home warranty?
A home warranty is a service contract that covers the repair or replacement of major home systems and appliances due to normal wear and tear.
How does a home warranty work?
When a covered item breaks down, you file a claim with your warranty provider, pay a service fee, and a technician is dispatched to fix the issue.
What does a home warranty cover?
Coverage typically includes HVAC systems, plumbing, electrical systems, water heaters, and major appliances like refrigerators and ovens. Optional add-ons may cover pools, spas, and more.
Is a home warranty worth it?
For many homeowners, especially those with older homes or appliances, a home warranty can provide financial protection and peace of mind against unexpected repair costs.
Can I have both a home warranty and home insurance?
Yes, having both provides comprehensive coverage, with the warranty covering wear and tear of systems/appliances and insurance covering structural damage and liability.
Are there any limitations to home warranty coverage?
Yes, most plans exclude pre-existing conditions, improper maintenance, and certain items like outdoor structures or cosmetic defects.
How much does a home warranty cost?
Costs vary based on coverage, but basic plans range from $300 to $600 annually, with service fees between $50 and $150 per claim.
How do I choose the best home warranty company?
Research providers, compare coverage options and costs, read customer reviews, and ensure the company has a good reputation for handling claims.
Can landlords purchase home warranties for rental properties?
Yes, landlords can buy home warranties to cover appliances and systems in rental properties, providing protection against unexpected repair costs.
Do home warranties cover new appliances?
While new appliances may still be under manufacturer warranties, a home warranty can provide additional coverage once those warranties expire..
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