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AFC Home Warranty Review: Cost & Coverage (2024)


AFC Home Club’s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from such coverage. 
This provider offers a nice range of discounts, four base plans, and three service fee options. That gives you far more control over your monthly premium cost than most providers who may offer one to two plans or service fees and not nearly as many discounts. I recommend calling for the best deal, and AFC offers a $250 discount when you do. 
AFC Home Club has low coverage caps. Some appliances, such as your refrigerator, ice maker, or standard thermostat, receive between $80 and $500 in protective coverage. These financial limits are too low, especially for items like refrigerators, which are expensive. It’s not enough protection to ease my worries about the company paying for a complete replacement if I need a new fridge. 
Many customer reviews complained about claims process issues and about being denied based on “scammy” exclusions. Some of this may be because of AFC Home Club’s extensive number of exclusions, so read the fine print of your policy closely before choosing this provider. 

AFC Home Club isn’t my favorite home warranty provider because of its low coverage caps, high number of exclusions, complaints about claim denials, and poor reimbursement rates. All of these are enough to make me want to steer clear. One of my biggest priorities is having a home warranty policy that doesn’t require maintenance records and offers plenty of coverage for replacements. However, homeowners looking for benefits like electronics coverage or add-on protections for limited roof leaks, a double oven, and a hot water dispenser may enjoy this provider’s service. 

Established in Marietta, Georgia, in 2009, AFC Home Warranty has a solid reputation with a B rating and accreditation from the Better Business Bureau (BBB).  However, customer complaints about claim denials and low reimbursement rates give home warranty shoppers reason to pause.

In this guide, I’m diving into the good, the bad, and the ugly about AFC Home Club — where it shines and where its chief downfalls lie. In the end, you will have a nuanced look at the provider as a whole. I won’t hold back on any criticisms so you have an unbiased look at AFC Home Club. Having a solid home warranty is integral to protecting yourself financially when your appliances and systems fail. You can decide whether this is the right provider for you.

In addition to my secret shopping and intense research, we scored AFC Home Club using Today’s Homeowner’s proprietary review criteria, which include plans and coverage, affordability, customer experience, company reputation, claims process, and availability.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

For more information, check out our Home Warranty Methodology page.


AFC Home Club: Best Additional Benefits

AFC Home Club has its Club Benefits program built into all its plans. Benefits include deals and discounts on credit monitoring, auto insurance, homeowners insurance, total electronics coverage, vision insurance, pet benefits, and more — all uncommon coverages in this industry. I like that the company has four base plans, ranging from budget-friendly ($43.50 per month) to the upscale Diamond Plan ($97.50 a month). While more expensive, the Diamond Plan has built-in electronics coverage for water damage, drops, and other problems for many home electronics, like entertainment systems, TVs, laptops, tablets, smartphones, and more. 

According to AFC’s sample policy for its Platinum Plan, the company requires a prior annual maintenance record from a licensed technician for some repairs. This stipulation means you won’t receive coverage if you fail to have regular maintenance check-ups with a licensed technician or don’t follow through with their repair or maintenance suggestions. This is a giant pain, especially when dealing with a broken-down HVAC system on a cold or hot day as you scramble to get ahold of these records. 

Another drawback is AFC Home Club’s sample policies list many exclusions and low coverage caps, like a limit of $500 per membership term, which is one to three years, depending on the plan, for your septic system. This coverage is lackluster and insufficient to cover the cost of replacing a septic system. Plus, items like the septic line from your home and a system clean-out aren’t covered, so you’re still left to pay part of the bill. Another con is AFC’s lack of emergency services and its policy of being closed on nationally recognized holidays. That leaves you without service when your dishwasher breaks down on Thanksgiving or Christmas.


AFC Home Club Bottom Line: 8.5/10

If you think you would get a lot of use from AFC Home Club’s large number of Club Benefits, such as discounts and deals on credit monitoring, homeowners insurance, total electronics coverage, vision insurance, and pet benefits, then this may be a solid provider for you. However, it wouldn’t be my top choice because of its extensive list of exclusions. None of these exclusions are unheard of in the industry, but the large quantity of them makes it challenging to assess what is and isn’t covered and makes it easier for AFC to deny your claim — something that customers brought up repeatedly in reviews. Some of these exclusions are system mismatches, lack of appliance capacity, and keeping up with system and appliance maintenance. For example, if you don’t keep up with yearly maintenance on your HVAC system by a licensed technician and don’t follow suggested repairs, you could be denied a later claim because you didn’t maintain the appliance properly. 

However,  AFC Home Club delivers fair pricing, with its least expensive appliance-only plan costing around $43 a month without discounts. With discounts, this plan costs close to $36 per month, which is affordable compared to the average home warranty price ($50 or more nationwide). You can save $168 a year if you select the discounted appliance-only plan. On top of that, AFC Home Club’s add-ons are reasonably priced, with most costing less than $15 per month. That’s much more affordable than plans from providers like Liberty Home Guard, whose add-that average $20 to $25 per month.

The bottom line: I like AFC Home Club for its impressive and unique Club Benefits and its comprehensive electronics plan (especially as someone working from home). But the company’s low coverage caps give me pause. For example, it only pays up to $150 per membership term for your ductwork, garbage disposal, or range exhaust per their sample policy for Platinum Plan members. This isn’t much for significant repairs. Plus, the most comprehensive plan, the Diamond Plan, wasn’t available in all ZIP codes when I was secret shopping. 


AFC Home Club Plans and Coverage 

8.1/10

AFC Home Club has an unusual number of plan options (a total of four, more than most providers who offer two to three options). You’ll find an appliance-only plan, a systems plan, a comprehensive plan covering both, plus the Diamond Plan, which covers 18 systems, appliances, and electronics. The electronics component of this plan is rare within the industry and covers items like your smartphone, laptops, monitors, home entertainment products, tablets, and smart devices like Alexa, Google Home, and smartwatches. This is something I’ve only seen a few providers offer as an add-on, but it is seldom included in a plan.

If I chose AFC Home Club for my home, I’d go for the Diamond Plan. It has a total electronics plan that covers water damage, drops, and functional issues — all things that cost hundreds or even thousands of dollars to replace if you drop your TV or laptop. As someone who works from home and relies on a laptop, I find this coverage priceless. During my secret shopping, I found that the Diamond Plan wasn’t available in some areas, such as parts of Alaska, so double-check that this plan is available in your area first. 

The following monthly costs don’t include the available discounts. 

Plan Monthly Cost Service Fee Available Discounts
Silver Plan $43.50 $75 Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)
Gold Plan $58.08 $75 Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)
Platinum Plan $62.92 $75 Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)
Diamond Plan $97.50 $75 Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Nashville, TN. The cost data presented was accurate at the time of writing.

Available Add-Ons

I especially like AFC’s add-on options, including electronics and double-oven coverage, which cost around $25 and $2 per month, respectively. The limited roof-leak coverage is a steal because it only costs $25 a year (about $2 per month). Compare that to the protection of another reputable home warranty company, Elite Home Warranty, which charges $99.99 per year ($8.33 per month) for similar protection. Roof-leak coverage is critical for many homeowners because rain, snow, and heavy wind can all wear down your roof, leading to leaks and eventual water damage in your home. AFC’s add-on menu includes:

  • Central vacuum: $25/year
  • Double oven: $25/year
  • Electronic coverage: $300/year
  • Hot water dispenser: $25/year
  • In-ground pool: $100/year
  • In-ground pool and spa: $150/year
  • Limited roof leak coverage: $25/year
  • Septic system: $50/year
  • Stand-alone freezer: $25/year
  • Sump pump: $35/year
  • Well pump: $50/year
Exclusions

AFC Home Club has standard exclusions, but its sample policies spelled out many, so read your policy closely before enrolling in a program with them. While none of the exclusions were strange, they were extensive, making it easier for AFC to deny your claim if you’re not on top of maintaining your systems. Among the exclusions:

  • Appliance inadequacy (lack of capacity)
  • Code violations
  • Computerized HVAC management systems
  • Crane rentals
  • Geothermal heating systems
  • Haul-away services
  • Improper installation
  • Known or unknown pre-existing conditions
  • Light fixtures
  • Mismatched systems
  • Modifications to the system of appliance
  • Not liable for failure to keep up with routine maintenance
  • Oil-based boiler systems
  • Oversized or undersized equipment
  • Window units

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.


AFC Home Club Affordability 

9.1/10

AFC Home Club provides homeowners with four plan options, ranging from $43 to $99, based on the quotes I gathered during my secret shopping for a single-family home in Nashville, Tennessee.  I like that when I was secret shopping, AFC Home Club offered multiple discounts, including a discount if you pay annually, multiple deals on its website, and free roof-leak coverage. When signing up, you can choose between flat service call fees of $75, $100, or $125, giving you greater flexibility to customize your monthly premium to fit your budget. 


AFC Home Club Customer Experience

9.2/10

I find AFC Home Club’s customer experience smooth and efficient. Its online quote process was speedy, with the provider delivering on its “30-second” quote process claim. I also love that you can choose your own technician as long as they are insured and licensed. Many providers will only assign technicians within their network to service your home. So, this option is a significant bonus for homeowners with preferred technicians. If you don’t have a preference, AFC sends someone from its nationwide network. Either way, you don’t have to worry about researching and vetting a technician. However, the most significant benefit to AFC’s customer experience is their long work guarantee of up to three years. Most home warranty companies offer one to two-month workmanship guarantees, but AFC guarantees repairs for the life of your plan (one to three years, depending on your contract). This guarantee even extends to situations where you choose your technician and expensive repairs like water heaters or AC units, so it’s a serious benefit to homeowners wanting that extra peace of mind. 

For more information, watch this customer testimonial from an actual AFC customer here:


AFC Home Club Company Reputation

8.3/10

AFC Home Club has mostly positive customer reviews and a solid reputation, with a B rating and an accreditation from the BBB, which gives me great peace of mind. Positive reviews highlight AFC Home Club’s prompt claim response, competent repair technicians, and a positive response about customers being able to choose their service technicians. In contrast, negative reviews share that they dealt with multiple claim denials, issues with the customer service team, and low reimbursement rates. Another problem pointed out was “scammy” exclusions and low reimbursement rates. However, the provider’s policy does state that it reimburses you based on the current cost of your appliance. In other words, you’re reimbursed based on the depreciated cost of your home system or appliance, not what you initially paid out of pocket, so keep this in mind when choosing between providers. 

While AFC’s reviews aren’t as stellar as providers like Liberty Home Guard, it still enjoys decent reviews overall. 

Rating Site Rating # of Reviews
BBB B/2.53 164
Trustpilot 3 24
Yelp 1.9 337

Editor’s Note: The ratings provided were accurate at the time of writing.


AFC Home Club Claims Process

6.8/10

AFC Home Club has a slower response time, around 48 hours, than I would like. It’s much longer than that of providers like Liberty Home Guard, which responds in as little as 12 hours. AFC also doesn’t provide emergency service options. If you need help after hours, you’ll pay an additional fee, a significant con. The provider isn’t open on nationally recognized holidays either, which can lead to greater delays — something I don’t want to deal with when my leaking clothes washer is damaging my floors.

Unfortunately, many customer reviews I read pointed out issues with the claims process, such as problems with long wait times, multiple claim denials, and poor reimbursement rates. These are things I don’t want to see when shopping for a home warranty policy.

Today’s Homeowner Tips

A home warranty policy should reduce stress because you should feel assured that the provider will take care of the cost of replacing or repairing your broken-down unit. So, factor in coverage caps when shopping around to ensure your provider will cover the total cost of repairs and replacements based on your appliances. 


AFC Home Club Availability

10/10

AFC Home Club provides home warranty coverage in 47 states, all except Hawaii, Washington, and California. This provider has 14 years of industry experience and has been accredited by the BBB since 2015, giving me plenty of peace of mind about its history of handling customer complaints. 


AFC Home Club Vs. The Competition

AFC Home Club Vs. Liberty Home Guard

Of all the providers our team has reviewed and ranked, Liberty Home Guard logged the highest score, 9.3 out of 10 stars. One of the biggest reasons for such a high score is its comprehensive plans and exorbitant number of add-ons. Liberty Home Guard has more than 40 add-on options, allowing you to tweak your plan to a larger extent than most providers. That’s more available flexibility than even plans with AFC Home Club, which has four base policies. However, AFC Home Club is more affordable, especially when factoring in generous discount options and less expensive add-ons (around $10 to $15 a month compared to Liberty’s $20 to $25 average add-on cost). 

While these two providers have identical (and perfect) availability scores, Liberty Home Guard has nationwide coverage. AFC doesn’t sell policies in Hawaii, California, or Washington.  

Liberty Home Guard is my pick between these two because of its more comprehensive coverage and fewer exclusions. It also doesn’t require maintenance records to enjoy HVAC system coverage, a reality I don’t like about AFC.

Liberty Home Guard AFC Home Club
Plans and Coverage 10 8.1
Affordability 8.9 9.1
Customer Experience 7.8 9.2
Company Reputation 9.1 8.3
Claims Process 10 6.8
Availability 10 10
Overall Score 9.3 8.5

AFC Home Club Vs. American Home Shield

One of my biggest issues with AFC Home Club is its lower-than-average coverage. While the company offers up to $3,000 in HVAC coverage after you submit maintenance records, that amount still isn’t enough to pay for an HVAC replacement — or even a significant repair in some cases. American Home Shield offers generous coverage caps of up to $4,000 for appliances and $5,000 for systems. That includes coverage for an HVAC,  a critical system that, if you live somewhere hot or cold, can get overwhelmed for months at a time. 

However, my experience with American Home Shield’s customer service isn’t as positive. My research found many negative reviews citing poor customer service and underskilled technicians. It has higher-than-average prices (although you receive much better coverage than most providers, including AFC). 

Overall, I pick American Home Shield over AFH Home Club because of the generous coverage caps and the fact that American Home Shield covers unknown pre-existing conditions and older appliances. These pros give me greater confidence in American Home Shield’s service and peace of mind that it would fully cover a major appliance or home system breakdown compared to AFC, which caps out refrigerator coverage at only $150. 

American Home Shield AFC Home Club
Plans and Coverage 9 8.1
Affordability 8.7 9.1
Customer Experience 8.4 9.2
Company Reputation 7.7 8.3
Claims Process 8.4 6.8
Availability 10 10
Overall Score 8.6 8.5

AFC Home Club Vs. Choice Home Warranty

Choice Home Warranty shines because of high claim acceptance rates, which customers consistently praise in reviews. This gives me a lot of peace of mind because the last thing you want to worry about is your claim being denied while your dishwasher leaks. However, this provider is fighting the Arizona attorney general in a consumer fraud case, which has a serious set of allegations. While still pending, this is a blow to AFC’s customer reputation. 

While I think AFC Home Club has more affordable plans and comparable coverage to Choice, its claims process is lacking, with a lower claim acceptance rate and less user-friendly processes, according to reviews. Overall, these providers are similar in their availability, plan choices, and affordability. 

I’d pick Choice if you are most concerned about claim denial, but AFC Home Club is the choice if you want extra perks like electronics coverage and special discounts on other insurance. Choice doesn’t offer that coverage. 

Choice Home Warranty AFC Home Club
Plans and Coverage 8.3 8.1
Affordability 8.9 9.1
Customer Experience 8.4 9.2
Company Reputation 8.3 8.3
Claims Process 8.8 6.8
Availability 10 10
Overall Score 8.6 8.5

Who Is AFC Home Club Best For?

AFC Home Club is best for homeowners with many electronics, especially people who work from home and want protection for work laptops, monitors, tablets, etc. The company’s Diamond Plan has impressive electronics coverage, which protects chip-based items,  home entertainment elements, and smart electronics if they get damaged from water leaks, droppage, and more. This is a rare rider for this industry. 

If you don’t pick the Diamond Plan, you can choose this coverage as an add-on, making their plans very customizable. However, I don’t recommend this provider for anyone with luxury appliances because the lower coverage caps aren’t enough to fully repair or replace many items. You can be paying too much out of pocket for a repair or replacement. 

Best for Additional Benefits

4.3

AFC Home Warranty logo

Limited Time:

$200 off + free roof leak coverage


FAQs About AFC Home Club

Is AFC Home Club Legit?

 AFC Home Club is a legitimate home warranty provider with accreditation through the Better Business Bureau (BBB) and over 14 years of experience in the home warranty industry.


How Much Does AFC Home Club Cost?

AFC Home Club costs between $43 and $99 per month, depending on your plan, based on our secret shopping (no discounts included). Another home warranty cost to consider is AFC’s service call fee, which costs either $75, $100, or $125. 


What Does AFC Home Club Cover?

AFC Home Club covers the following (depending on your plan): 

  • Air conditioning and heating systems
  • Built-in microwave
  • Ceiling/exhaust/attic fan
  • Clothes dryer
  • Clothes washer
  • Dishwasher
  • Ductwork
  • Garbage disposal
  • Garage door opener
  • Ice maker
  • Interior electrical
  • Kitchen refrigerator
  • Oven/range/cooktop
  • Plumbing systems and stoppages
  • Water heater

AFC Home Club doesn’t cover the following: 

  • Appliance inadequacy (lack of capacity)
  • Code violations
  • Computerized HVAC management systems
  • Crane rentals
  • Geothermal heating systems
  • Haul-away services
  • Improper installation
  • Light fixtures
  • Mismatched systems
  • Modifications to the system of appliance
  • Not liable for failure to keep up with routine maintenance
  • Oil-based boiler systems
  • Oversized or undersized equipment
  • Window units

Read our guide about what home warranties cover for a more in-depth look at what to expect when you enroll in a policy. 


How Do You Cancel AFC Home Club?

You can cancel AFC Home Club during the waiting period and receive a refund. You can also cancel during your active policy and receive a prorated refund. Outside of the waiting period, you may be subject to a $75 cancellation fee. 



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