AFC Home Club Review

Repairs are guaranteed over the life of your plan, but response times are slow

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AFC Home Club

AFC Home Club

overall rating

Our Take

AFC Home Club offers in-house service providers to repair your home along with an array of club member perks. These include discounted maintenance supplies and credit monitoring, making them an all-inclusive package for many homeowners with multiple needs. 

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Workmanship guarantee lasts the life of your plan (up to three years)

  • Use your own licensed contractor

  • Additional coverage available for in-ground pools, sump pumps, and more

  • Quote required to see plan pricing

  • Emergency repairs process is not the fastest

  • Many coverage exclusions

Key Takeaways
  • The Platinum Plan offers coverage for up to 18 appliances and systems, including clothes washers and dryers, dishwashers, water heaters, and electrical systems.  
  • The payout caps on appliances is $3,000 per contract term.  
  • Users report that the average claim response time is 72 hours, which is longer than most home warranty claim response times.
  • You get club membership discounts on dining, shopping, insurance, home goods, and much more.
  • Year Founded 2009
  • Coverage Area Nationwide
  • Customer Service 24/7 online or by telephone 770-973-2400
  • Waiting Period 30 days
  • Contractor Network Network of licensed contractors. Customers may also use their own licensed contractor with approval of the diagnosis
  • Service Recall Period Lifetime of plan workmanship guarantee (up to three years)
  • Number of Plans Four
  • Coverage Limit Various payout caps
  • Contract Length 12 months or 36 months
  • Payment Options The company reserves the right to provide a cash buyout for covered items in lieu of service or replacement by the company.
  • Trade Service Fee 3 Options
  • Official Website

AFC Home Club provides home warranty plans for homeowners and real estate professionals that protect against unexpected home repair costs. The company provides all of its services in-house, meaning it does not contract sales or claims services to outside vendors.

We reviewed the company based on the types of plans, various plan options, price, exclusions, payout caps, and more. Read on to see if AFC Home Club is the best warranty company for your home repair needs.

Company Overview

AFC Home Club was founded in 2009 and is headquartered in Marietta, Georgia. It offers coverage throughout the United States to homeowners and real estate professionals. It also offers its club members a number of perks including membership rates on pet benefits, vision and dental discounts, and identity theft protection.

One of the most impressive things about AFC is its "lifetime of plan" guarantee for all repairs. If you have an active service agreement, the work completed will be guaranteed for the entire life of the contract (up to three years).

Homeowner Plans

Homeowner warranty plans can protect your budget against unexpected repairs due to normal wear and tear on appliances or household systems. AFC offers four homeowner plans include the Platinum Plan, Gold Plan, Silver Plan, and the Systems Plan, which only covers major home systems.

Here's a breakdown of the items covered with each plan.

Coverage Platinum Plan Gold Plan Silver Plan Systems Plan
Air Conditioning/Cooler  
Heating Systems  
Water Heater  
Electrical System  
Plumbing System  
Plumbing Stoppages      
Clothes Dryer  
Clothes Washer  
Kitchen Refrigerator  
Ice Maker      
Garbage Disposal  
Garage Door Opener  
Built-in Microwave      

These optional add-on coverages are available for an additional fee with any homeowner's plan:

  • Stand-Alone Freezer
  • Septic System
  • Roof Leaks
  • Pools and Spas
  • Sump Pump
  • Central Vacuum

Homeowner Plan Pricing

Homeowner plans through AFC Home Club are available for one-year and three-year periods paid either monthly or annually. Homeowners can purchase AFC Home Club protection any time after they purchase a home, but there is a 30-day waiting period for coverage to begin.

Here's the average plan price by state.

Plan California Texas  Florida New York
Platinum $838 $675 $825 $825 
Gold $775 $623 $778 $758
Silver $588 $465 $555 $555
Systems N/A $544 $656 $656

Your costs will depend on plan choice, service fee choice, address, and if you choose a one- or three-year plan. Also, add-ons will of course raise your cost. AFC's trade call fees (TCF) range between $75, $100, and $125. This fee is like a deductible; it's the amount you pay when making a service call for a repair technician to come to examine the problem. Plan pricing is contingent on which of the three TCF options you choose.

Choosing the highest trade service fee option will lower your monthly contract fee but leave you responsible for more when you do file a claim.

AFC Home Club Membership Benefits

Unlike most other home warranty companies, AFC gives warranty holders Home Club membership benefits. These perks help to keep your home operating in tip-top shape while managing your budget and financial health.

Consider how much you would spend on home security, homeowners and auto insurance, dental and vision insurance, whole life insurance, and identity theft protection to determine if the club perks are worthwhile.

AFC offers these benefits and more to club members:

  • Cove Smart Home Security: Member rates on Cove's wireless home security system
  • Encompass Parts: Discounts on maintenance-related parts and supplies
  • River Primary Care: See a doctor when you're sick, get prescriptions refilled, and get lab work done at a member rate of $35 a month.
  • Emergency Alert Network (EAN): Vital medical information provided to emergency personnel with contacts notified
  • Cyber ID Protection: Get discounts on identity theft protection

Real Estate Plans

AFC offers home warranty services for real estate professionals. When a Realtor adds a home warranty to a listing, it makes the property more appealing to potential buyers. There are four home warranty plans available for real estate professionals: Platinum, Gold, Silver, and the Systems Plan.

You can generate an invoice online. Agents should call 844-211-3786 for more information.


These exclusions were obtained from a sample contract. While these appliances or systems may be covered in your plan, depending on what you select, the parts listed below are excluded from coverage. Keep in mind this is not an exhaustive list of exclusions and focuses on exclude parts of covered items. Additional things are also excluded such as damage from mold, mildew, corrosion, misuse, and more. To see all exclusions please consult a sample contract. The number and type of exclusions from AFC are about the same when compared with other home warranty providers.

AFC Home Club Exclusions
Appliance/System Excluded Parts
Garage door opener Door, door track assembly
Air conditioning and heating Window units, portable units, chiller systems and components, geothermal components, oil-based boiler systems, solar heating systems, fireplaces and key valves, radiant cable heat, heat lamps, humidifiers, outside or underground piping, standard or electronic filters, computerized HVAC management systems or zoned controllers, flues and vents, roof jacks or stands, condenser casings, non-ducted wall units, condensate pans, condensate line stoppages, pad or pad frames, automatic or manual dampers, refrigerant recapture and disposal, and air conditioning with improperly sized systems, hard-start kits, heat exchangers, maintenance.
Ductwork Improperly sized ductwork/duct system, crushed ductwork.
Standard water heater (gas and/or electric) limited to one unit: Solar water heaters and associated components and plumbing, vents, flues, storage or expansion tanks, noise caused by sediment, corrosion, drip pans, multi-valve manifolds, water heater pump attachment.
Interior electrical system Low-voltage wiring, DC wiring, circuit overload, inadequate wiring, aluminum wiring, faceplates, fixtures, switches, wire tracing, power outages, troubleshooting, modifications, code violations.
Plumbing systems and stoppages Piping failure or stoppage which includes collapsed piping, freezing or damage from roots; foreign objects; gas leaks; slab leaks; polybutylene, quest, or galvanized plumbing and drains; flange; valves; bathtubs; shower enclosures and glass; base pans; sinks; toilet lids and seats; cracks; whirlpool jets and control panel; water softeners; pressure regulators; inadequate or excessive water pressure; leak searches; inaccessible cleanouts or cost of installing cleanouts; faucet installation; hydro jetting; camera snaking
Pool and/or spa equipment Filters, saltwater filtration/osmosis, salt water components, control panels, electronic boards, lights and solar equipment, liners, maintenance, housing and related equipment, structural defects, inadequate pressure, jets, ornamental fountains, waterfalls, and their pumping systems, above-ground/portable pools or spas built into decking.
Well pump Holding or storage tanks, digging, locating pump, pump retrieval, re-drilling of wells, well casings, pressure tanks, pressure switches and gauges, check valve, relief valve, drop pipe, piping or electrical lines leading to or connecting pressure tank and main dwelling (including wiring from control box to the pump), booster pumps, well pump and components for geothermal or water source heat pumps.
Sump pump Grey water, sewage ejector pumps, portable pumps, backflow preventers, check valves, piping modifications for new installs
Central vacuum Accessories or hoses, removable attachments, clogged pipes and maintenance related breakdowns. AFC is not responsible for the cost of gaining access to or closing access from the floor or walls either to locate the cause of malfunction or to affect repair or replacement.
Stand-alone freezer Ice makers, crushers, dispensers or related equipment; internal shell; racks, shelves, or glass displays; lights; knobs, caps or dials; condensation pans; clogged drains or lines; grates; food spoilage; freon; disposal and recapture of freon; door seals or gaskets; door hinges or handles.
Second refrigerator Insulation; doors; refrigerator water lines; removable parts; ice crushers; beverage dispensers; refrigerant recapture, reclaim or disposal; ice maker unless additional fee is paid and item is listed in additional coverage on declaration page.
Septic system Tank, line from the house, leach lines, field lines, lateral lines, tile fields and leach beds, insufficient capacity, clean out, pumping, grinder pump
Hot water dispenser Rust, mold, corrosion, leaks or breaks of any kind.

Payout Caps

AFC has the following payout caps for standard and optional items covered. Payout caps listed below are per contract term. Remember that AFC has one- or three-year terms, which means these caps are potentially reflective of multiple years. The dollar amount of payout caps are in line with other home warranty providers with similar contract terms. Other caps may apply that are not listed below. Some of the items listed below are only covered as add-ons.

Item Payout Cap
Appliances $3,000
Ductwork $150
Water Heater $1,000
Interior Electrical $500 ($150 for outlets)
Plumbing Systems and Stoppages $500 ($300 for stoppages, $150 for faucets)
Pool & Spa $500
Well Pump $500
Sump Pump $500
Central Vacuum $150
Stand Alone Freezer $500
Second Refrigerator $500
Septic System $500
Hot Water Dispenser $150

Repair Time

AFC says it will connect you with a licensed service technician within 24 to 48 business hours after you file a claim, but our research found response times were closer to 72 hours on average, a bit slow compared to other home warranty providers.

The company will email, text, or phone you the technician’s contact information so you can contact them to schedule service. AFC contacts you once the service call is completed. Then, only upon your satisfaction, will AFC pay the technician.

If you have a service contractor you prefer who is available to begin work right away, AFC will allow it as long as you let the claims representative know when reporting a claim. Your chosen contractor will need to call AFC for authorization prior to completing any repairs. No reimbursement is made to the repair technician until he has submitted a diagnosis, gets the required authorization, and AFC gets your approval of the work completed.

The contract does outline a process for emergency repairs. However, it doesn't sound too much faster than the regular route.

Customer Service/Claims

You can contact AFC 24/7 to submit a claim by calling 770-973-2400 or you may submit your claim online. If you would like to call to obtain a quote, the sales number is 844-211-3786.

Final Verdict

AFC Home Club offers affordable home warranty options to fit within most budgets and allows you to choose your own licensed contractor for repairs. We really like the guarantee on repairs for the lifetime of the plan for up to three years. There are also some membership perks—including discounts on home security systems, primary care visits, maintenance parts and supplies, identity theft protection, and more—which make it a suitable choice for the average homeowner.

However, AFC only covers up to 18 home components and systems without add-ons. We also think their emergency service procedure is slow. If you have a large home with many sophisticated home systems, you'll need a home warranty provider that offers more coverage options.


There are several aspects to think about in choosing a home warranty. To help readers pick the plan that works best for them, our methodology for reviewing home warranties includes a quantified scoring system that evaluates plan pricing, exclusions, payout caps, repair times, and terms, comparing them to other carriers across the industry. Third-party ratings and customer satisfaction scores are factored in to help assess an insurer's overall quality and value.