AFC Home Warranty Review (2024)
Written by
Reviewed by
Finding a home warranty can be difficult, especially if you don’t know where to start. We researched different companies and found that AFC Home Warranty is one of the best. Read our full AFC Home Warranty review to learn more.
AFC Home Warranty is one of the best home warranty companies. The company has been around for 12 years and is trusted in its industry. In this AFC Home Warranty review, you’ll find information about plans, pricing, customer feedback, and how the company compares to the competition.
Our Review of AFC Home Warranty
It has a wide variety of plans, has nationwide availability, and holds a B rating from the BBB thanks to its ease of use and quick response times.
- Coverage: AFC Home Warranty lost points for its depreciation policy, which reduces coverage caps for items five years and older.
- Value: AFC Home Warranty scored higher due to its excellent plan variety and flexible service call fee options.
- Trustworthiness and transparency: AFC Home Warranty scored well for its unlimited workmanship guarantee, a rarity within the home warranty industry.
- Availability and service: AFC Home Warranty received a perfect score for its flexible technician policy, allowing you to choose your own technician for repairs.
What are the Pros and Cons of AFC Home Warranty?
Here are some of the pros and cons of AFC Home Warranty:
What Plans and Coverage Options Does AFC Home Warranty Offer?
Unlike other home warranty companies in the industry, which typically offer three plans, AFC Home Warranty offers four plans: Platinum, Gold, Silver, and Systems. Compare home warranty plan options and covered items in the chart below.
| Item Covered | Systems | Silver | Gold | Platinum |
|---|---|---|---|---|
| Air conditioning | ✔ | - | ✔ | ✔ |
| Heating | ✔ | - | ✔ | ✔ |
| Water heater | ✔ | - | ✔ | ✔ |
| Electrical | ✔ | - | ✔ | ✔ |
| Plumbing | ✔ | - | ✔ | ✔ |
| Ductwork | ✔ | - | ✔ | ✔ |
| Plumbing stoppages | - | - | ✔ | ✔ |
| Clothes dryer/washer | - | ✔ | ✔ | ✔ |
| Refrigerator | - | ✔ | ✔ | ✔ |
| Oven/Range/Stove | - | ✔ | ✔ | ✔ |
| Dishwasher | - | ✔ | ✔ | ✔ |
| Garbage disposal | - | ✔ | ✔ | ✔ |
| Garage door opener | - | ✔ | ✔ | ✔ |
| Built-in microwave | - | - | - | ✔ |
| Ice maker | - | - | - | ✔ |
In addition to these plans, AFC Home Warranty also offers optional coverage for items such as:
- Sump pumps
- Well pumps
- Pools and spas
- Septic systems
- Hot water dispensers
- Standalone freezers
- Central vacuums
- Tankless water heaters
Before signing up for a plan, remember to review your coverage and check for the fine print in your contract surrounding pre-existing conditions—this will clearly define what is and isn’t covered in your plan.
- Read more: Home Warranty Coverage Explained
How Much Does AFC Home Warranty Cost?
Plans range from $31–$54 a month. In addition to paying a monthly fee, customers will also have to pay a service fee every time a technician comes out to address the covered item in question. Customers have the option to choose a service fee between $75–$125. Typically, a lower service fee means a higher monthly premium whereas a higher service fee means a lower monthly premium.
| Plan | Cost |
|---|---|
| Platinum | $49.50–$54 per month |
| Gold | $45–$49.50 per month |
| Silver | $31.50–$36 per month |
| Systems | $38.25–$42.75 per month |
Note: The price of an AFC home warranty will depend on the type of coverage you choose, the add-ons you include in your plan, where you live, and the length of your contract.
What is AFC Home Warranty's State Availability?
AFC Home Warranty is available in 47 states nationwide. It is not available in California, Washington, or Hawaii. If you reside in one of these states, consider checking out these articles:
- Our Recommended California Home Warranty Providers
- Our Recommended Home Warranty Companies in Washington
- Our Top Home Warranty Companies in Hawaii
AFC Home Warranty Reviews
After reading hundreds of customer reviews about AFC Home Warranty and rating the company based on factors such as price, state availability, and customer service, we recommend AFC Home Warranty as a top home warranty provider. In particular, homeowners seeking a wide range of plan options should get a quote from AFC Home Warranty, as the company offers its customers more options than most competitors.
This company has a B rating from the Better Business Bureau (BBB). This rating is based on complaints received from the public and other company information—customer reviews are not included in this rating.
While most reviews are positive, even the best home warranty companies have negative reviews. Here are a few AFC Home Warranty reviews from the BBB:
“I am so grateful for this service On a Sunday my dryer went out I called and within 1 hour a repair service called me. My dryer was repaired by 10 am Monday morning.” — Elayne M. on March 10, 2023
“My air conditioning unit went out and it cost $3,000.00 to replace. AFC gave me $400.00 and told me that the unit was only worth that after depreciation. What’s the point in having a home warranty if they only give you salvage value when it breaks down?” — Paul D. on December 30, 2022
“AFC Home Warranty is very easy to do business with. They handled several claims for me in the past two years. Each was quick and easy. I highly recommend AFC Home Warranty.” — Jerry Dean H. on March 10, 2023
AFC Home Warranty vs. Competitors
| Monthly Cost | Service Fee | Response Time | BBB Rating | Link | ||
|---|---|---|---|---|---|---|
| Liberty Home Guard |  | $49–$59 | $65–$125 | Up to 48 hours | NR | VISIT SITE |
| American Home Shield |  | $29–$89 | $100–$125 | Up to 48 hours | B | VISIT SITE |
| Elite Home Warranty |  | $44–$58 | $70 | Up to 48 hours | A+ | VISIT SITE |
| Select Home Warranty |  | $44–$47 | $60–$75 | 48-84 hours | B- | VISIT SITE |
| AFC Home Warranty |  | $35–$94 | $75–$125 | 24-48 hours | B | VISIT SITE |
| First American Home Warranty |  | $42–$82 | $75–$125 | 4-48 hours | B | VISIT SITE |
| Cinch Home Services |  | $30–$56 | $100–$150 | 2-24 hours | B+ | VISIT SITE |
| 2-10 Home Buyers Warranty |  | $27–$70 | $65–$100 | Up to 48 hours | A | VISIT SITE |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Monthly Cost | $49–$59 |
| Service Fee | $65–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | NR |
| American Home Shield | |
|---|---|
| Logo |
 |
| Monthly Cost | $29–$89 |
| Service Fee | $100–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | B |
| Elite Home Warranty | |
|---|---|
| Logo |
|
| Monthly Cost | $44–$58 |
| Service Fee | $70 |
| Response Time | Up to 48 hours |
| BBB Rating | A+ |
| Select Home Warranty | |
|---|---|
| Logo |
|
| Monthly Cost | $44–$47 |
| Service Fee | $60–$75 |
| Response Time | 48-84 hours |
| BBB Rating | B- |
| AFC Home Warranty | |
|---|---|
| Logo |
|
| Monthly Cost | $35–$94 |
| Service Fee | $75–$125 |
| Response Time | 24-48 hours |
| BBB Rating | B |
| First American Home Warranty | |
|---|---|
| Logo |
|
| Monthly Cost | $42–$82 |
| Service Fee | $75–$125 |
| Response Time | 4-48 hours |
| BBB Rating | B |
| Cinch Home Services | |
|---|---|
| Logo |
|
| Monthly Cost | $30–$56 |
| Service Fee | $100–$150 |
| Response Time | 2-24 hours |
| BBB Rating | B+ |
| 2-10 Home Buyers Warranty | |
|---|---|
| Logo |
|
| Monthly Cost | $27–$70 |
| Service Fee | $65–$100 |
| Response Time | Up to 48 hours |
| BBB Rating | A |
| Company | BBB Rating | Monthly Cost | Service Fee | Visit Site |
|---|---|---|---|---|
| NR | $49–$59 | $65–$125 | VISIT SITE | |
| B | $29–$89 | $100–$125 | VISIT SITE | |
| B- | $44–$47 | $60–$75 | VISIT SITE | |
| B | $42–$82 | $75–$125 | VISIT SITE | |
| B | $35–$94 | $75–$125 | VISIT SITE | |
| A+ | $44–$58 | $70 | VISIT SITE | |
| B+ | $30–$56 | $100–$150 | VISIT SITE | |
| A | $27–$70 | $65–$100 | VISIT SITE |
Annual Home Warranty Cost Calculator
We created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
|
Dehumidifier |
$50–$200 |
$1,300–$2,800 |
|
Microwave |
$50–$400 |
$60–$2,000 |
|
Dishwasher |
$50–$500 |
$400–$3,000 |
|
Exhaust Fans |
$16–$300 |
$250–$950 |
|
Electric Range |
$100–$500 |
$230–$3,000 |
|
Gas Range |
$100–$500 |
$230–$3,000 |
|
Dryer |
$100–$400 |
$450–$2,300 |
|
Oven |
$100–$430 |
$400–$3,000 |
|
Washer |
$50–$450 |
$400–$2,300 |
|
Freezer |
$90–$500 |
$160–$2,900 |
|
Refrigerator |
$40–$350 |
$200–$5,000 |
Life span and repair cost data sourced from InterNACHI and Home Depot
AFC Home Warranty Review - Our Final Take
We rated AFC Home Warranty 90 out of 100. We recommend it for people who want to choose between a variety of plans and who want to enjoy additional benefits, like free credit monitoring and emergency alert services, on top of traditional home warranty coverage. AFC Home Warranty is also one of the few home warranty providers that allow customers to choose their own service contractor for repair work.
On the downside, AFC Home Warranty isn't the right choice for someone who lives in California, Washington, or Hawaii, or for someone who wants to customize their coverage.
Get a quote for an AFC Home Warranty warranty today by calling 877-755-1115 or using the tool below:
Unsure if AFC Home Warranty is right for you? Compare this home warranty company to other competitors and consider getting quotes from multiple—this will give you a better idea of plan and pricing options, allowing you to find the best home warranty plan.
To learn more about home warranty companies that we recommend, read our in-depth company reviews:
- American Home Shield Review
- Select Home Warranty Review
- First American Home Warranty Review
- Liberty Home Guard Review
Frequently Asked Questions
What is AFC Home Warranty?
AFC Home Warranty is a trusted home warranty provider that offers four comprehensive plans designed for homebuyers and sellers at an affordable price.
How is an AFC Home Warranty warranty different from homeowners insurance?
Homeowners insurance covers large structural issues and damage from natural disasters, fire, or theft. A home warranty covers major systems and appliances within the home.
When does AFC Home Warranty coverage begin?
There is a 30-day waiting period for coverage to begin. After 30 days, coverage will kick in.
How long is a contract term with AFC Home Warranty?
AFC Home Warranty home warranties last for a year, but you may be able to opt into a multi-year plan.
How do I submit a service request with AFC Home Warranty?
Service requests can be submitted online or over the phone, 24 hours a day, seven days a week.
Does AFC Home Warranty require a home inspection?
No, the company does not require a home inspection for coverage to begin.
Are home warranties worth the cost?
Home warranties can save thousands of dollars on repairs and replacements to major home systems and appliances. If you have items that may break down soon or you don’t have much budgeted for emergency repairs, a home warranty can offset expensive repair costs and give you peace of mind in the event that something does break down.
Company Information
- Company name: America’s First Choice Home Warranty (AFC Home Warranty)
- CEO: John B. Craddock
- Address: 1337 Canton Road, Suite B
- City/State: Marietta, GA
- Zipcode: 30066
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
