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AFC Home Club Review: In-Depth Look at Coverage & Value

By Ben Carter

Updated June 2025

8.7

Consumers Best Score

Consumers Best Verdict: AFC Home Club Highlights

AFC Home Club (America's First Choice Home Club) offers home warranty plans designed to protect homeowners from unexpected repair costs for major home systems and appliances. They provide several plan tiers and customizable add-on options to suit various needs.

AFC Home Club stands out for its flexible plan options and the ability to choose your own technician (with pre-approval). While generally offering good value and responsive service, consumers should carefully review contract details regarding coverage limits and service fees. Overall, it's a solid contender in the home warranty market.

In-Depth Look

In-Depth Look: AFC Home Club Features & Considerations

Core Features & Consumer Benefits

AFC Home Club provides several key features aimed at giving homeowners peace of mind and financial protection.

Multiple Plan Options

Choose from Systems, Silver, Gold, or Platinum plans to match your specific coverage needs and budget.

Choose Your Own Technician

Unlike many competitors, AFC Home Club allows you to select your own licensed contractor (subject to approval), offering greater flexibility.

Workmanship Guarantee

AFC Home Club offers a guarantee on repairs for the duration of your plan term, which is longer than many competitors.

24/7 Claims Service

Access to claims support around the clock ensures you can report issues whenever they arise.

Transferable Contracts

If you sell your home, your AFC Home Club warranty can often be transferred to the new owner, adding value to your property.

Important Considerations & Potential Downsides

- Service Call Fees

Like all home warranties, a service call fee applies for each claim, typically ranging from $75 to $125.

- Coverage Limits & Exclusions

All plans have specific coverage caps per item and exclusions for pre-existing conditions or improper maintenance; review these carefully.

- Approval Process for Own Technician

While you can choose your own technician, they must be approved by AFC Home Club, which might involve some paperwork or delays.

- Varying Customer Service Experiences

While many report positive experiences, some afc home warranty reviews mention inconsistencies in claim processing times or customer support.

Who Is the AFC Home Club Best For?

Homeowners seeking flexible plan options to tailor coverage to their specific appliances and systems.

Individuals who prefer the option to choose their own trusted service technician for repairs.

Owners of older homes where appliances and systems are more prone to breakdowns and out of manufacturer warranty.

Budget-conscious homeowners looking to manage unpredictable repair costs with a fixed monthly or annual fee.

Landlords or property managers wanting to provide home warranty coverage for their rental properties.

Who Might Want to Explore Other Options?

- Owners of brand-new homes where most systems and appliances are still covered by builder or manufacturer warranties.

- Highly DIY-savvy individuals who are comfortable and capable of handling most home repairs themselves.

- Consumers seeking the absolute lowest premium without regard for coverage breadth or service flexibility.

- Those who are unwilling to pay a service call fee for each repair incident, regardless of plan cost.

Frequently Asked Questions

AFC Home Club typically offers four main plans: Systems Plan (covering major systems like HVAC, electrical, plumbing), Silver Plan (covering major appliances), Gold Plan (combining systems and appliances), and Platinum Plan (most comprehensive, often including items like ice makers, garage door openers, and faucets).

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