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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


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.


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.

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  • Flexible pricing to fit the needs of your home
  • Savings on identity theft protection
  • Quick response to claims
  • Choose any licensed technician
  • Not available in California, Hawaii, or Washington
  • Coverage limits on systems and appliances
FAQs for Home Warranty
Purchasing a home warranty is the best way to protect yourself from expensive home and appliance repairs. To help you learn more about home warranties and how they work, we have compiled answers to some of the most commonly asked questions about home warranty plans.
What is a home warranty?
Similar to a warranty that comes with the purchase of a new phone, or piece of equipment, home warranties, cover home appliances and system repairs. Home warranties shield homeowners from the high cost of unexpected appliance breakdowns and system failures. They provide protection not just for your home, but for your budget and time as well.
How do they work?
What's great about home warranties is that, unlike a standard warranty that comes with an appliance, home warranties cover a wide variety of appliances that can be customized depending on your needs. When signing up for a home warranty or receiving an initial quote, you will be asked to fill in basic information about the location of your home and which appliances you want to cover. Most home warranty companies like Choice Home Warranty, Select Home Warranty, or American Home Shield, offer a choice of several plans with options to add appliances based on need. These home warranty companies will charge an annual contract fee for yearly coverage and a small service fee when they need to send someone to repair or replace an appliance. Typically home warranty companies work with certified local technicians who work quickly and efficiently to help ensure your home is back in working order.
What appliances do home warranties cover?
As mentioned, home warranty coverage varies from company to company and there is no one set item list that all home warranties cover. In general, it's best to review your contract and make sure all your essential appliances are listed.

In general home warranties may cover some of these items and more:
Central heating systems
Air conditioning systems
Electrical systems
Plumbing systems
Washing machines and dryers
Ovens and stove-tops
Why would you need a home warranty?
As a homeowner, you never know when your essential systems or appliances may break, and repairing them can be both time-consuming and extremely costly. Home warranties are there to offer peace of mind by ensuring you'll be taken care of by certified professionals when the unexpected occurs.
What's the difference between a home warranty and home insurance?
Home warranties differ from home insurance plans in that home warranties cover appliances and systems that break due to wear and tear, while home insurance policies protect your home from losses or damages caused by natural disasters, fire, theft, and more. Home insurance plans cover the structure of your home in such cases, so if you have broken windows, doors, water damage, etc. a home insurance plan will have you covered. In other words, if you have an air conditioner that is leaking and causing water damage in your home, a home warranty plan will cover the cost of fixing the AC. In contrast, a home insurance plan will cover the cost of fixing whatever was damaged by the water.
Who are home warranties for?
Typically home warranty plans are purchased by homeowners who want to ensure they are covered in case of a breakdown. However, others can benefit from the services a home warranty provides. Landlords who have purchased a home and are renting it out should strongly consider purchasing a home warranty plan. As a landlord, the last thing you need is for a tenant to be without a heater, fridge, or even electricity. You'll find yourself scrambling to find the proper technician without knowing how much you'll have to pay out-of-pocket. A home warranty provides you with peace of mind and is a significant selling point for a tenant when considering homes.

Real estate agents can also benefit from home warranty plans and many agents will purchase a home warranty to protect the buyer. This can be done as a gift as a way to say thank you for their business. Moving into a new home with a home warranty already in place provides the buyer with peace of mind knowing there won't be unexpected costs to fix systems or appliances.
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