2025 AFC Home Warranty Review

Our top home warranty companies list includes America's First Choice Home Warranty due to its four plans with extensive coverage options, flexibility in working with a contractor of your choice, and the ability to lower premiums by selecting a higher service contract fee. Additionally, the workmanship guarantee provided by AFC lasts for the entire duration of your contract.

Despite the high rate of complaints about claim delays and denials, AFC's coverage is based on the depreciated value of your appliances and systems.

Pros and cons of AFC Home Warranty

AFC Home Warranty plans

AFC Home Warranty is available in all states except California and Hawaii and can be obtained for single-family and multiple-unit homes, condos, mobile homes, rental properties, and manufactured homes.

Silver

The average monthly rate for major household appliances such as refrigerators, stoves, dishwashers, built-in microwaves, washers/dryers, garbage disposals, and garage door openers is $31.

Gold

The average monthly rate for a Silver plan that includes HVAC, electrical, and plumbing systems is $44.

Platinum

The Gold plan includes a ceiling, exhaust, and attic fans, with an average monthly rate of $52.

Diamond

The Platinum plan includes coverage for home electronics and exterior water/sewer lines, with an average monthly rate of $83.

Add-ons

AFC will cover addition items, including:

• Home electronics
• Sprinklers
• Pool and spa
• Septic system
• Standalone freezer
• Sump pump or well pump
• Central vacuum
• Roof leak repair

Requirements and exclusions

The replacement cost of systems or appliances will not be covered by AFC Home Warranty for the first 30 days after purchase.

Your policy does not cover items with manufacturer warranties or pre-existing conditions, damages resulting from neglect or misuse, rust, mold, fire, power surges, electrical shorts, storms, water damage, or pests. Check your policy for additional exceptions or exclusions.

Coverage limits

The AFC has a $50,000 aggregate limit for all claims per contract term and sets caps on the amount it will pay for repairs or replacements of specific items.

• Appliances: $ 3,000 per item
• A/C and heating: No limit
• Electrical systems: $500
• Plumbing: $ 500
• Roof leak repair: $250
• Water heater: $1,000

Costs

Upfront payments of AFC Home Warranty premiums can be made in one lump sum for a three-year contract, and offer discounts of up to 20%. Additionally, premiums can be paid monthly or annually.

The cost of service call fees is $75, $100, or $125, with a higher fee leading to a lower premium.

Customer service

AFC Home Warranty, America's First Choice, has a below-average record for customer satisfaction, with 75% of its reviews on Trustpilot earning just one star. The Better Business Bureau gives AFC a B rating, which is typical of home warranty companies. You can get a rate quote and purchase a policy on the AFC website or over the phone at 844-518-0119, daily from 8 a.m. to 8 p.m. ET. There is no mobile app or online chat feature. AFC allows you to choose your contractors, provided they are licensed, bonded, insured, and have been previously authorized. Alternatively, AFC will assign one to you from its network of 40,000 technicians nationwide. Contractors are contacted within four hours of receiving a request, although it may take more than 48 hours for the request to be accepted and the homeowner contacted. According to AFC, policyholders do not have to pay for a follow-up visit if a repair is not successful. Service contracts with AFC come with access to free credit monitoring and a range of discounts with partner companies

How does AFC compare to other home warranty companies?

We put AFC Home Warranty up against two major competitors.

AFC Home Warranty vs. Select Home Warranty

While AFC offers more flexible pricing than Select Home Warranty, Select frequently has sales and provides two months of coverage for free if you pay your contract premium upfront. It's important to accurately compare rates when deciding between the two plans.

Both companies have a $500 cap for plumbing and electric systems, but Select goes up to $3,000 for HVAC systems while AFC has no limit for AC or heating. Select also has a $500 per appliance limit, while AFC has a $3,000 limit and an aggregate limit of $50,000 per contract term.

AFC Home Warranty vs. American Home Shield

While AFC's rates begin lower than America's Home Shield, your selection of service call fees may affect this. Both companies have a B rating from the Better Business Bureau and a substantial number of one-star reviews on Trustpilot, with 74% for AFC and 62% for AHS.

While AFC does not cover repairs to walls, floors, or ceilings if a contractor needs to access a covered system, AHS will pay up to $1,000 for such repairs. Additionally, AHS covers malfunctions due to unknown pre-existing conditions, rust, and sediment, which AFC excludes. However, AHS only guarantees its workmanship for 30 days, while America's First Choice stands by parts and labor for the life of your contract.

How do I buy a policy with AFC Home Warranty?

You can obtain a rate quote and sign up for a service contract with AFC Home Warranty through their website or by calling 844-518-0119.

If you haven't made any service call requests, you can cancel your contract and receive a full refund within 30 days.

Is AFC Home Warranty worth it?

While AFC offers competitive rates, diverse coverage options, and standout workmanship, some customers have reported difficulties reaching customer representatives and delays or denials of claims. If customer service is a top priority, a competitor with a better track record may be a better choice.

Why trust CNBC Select?

Our goal at CNBC Select is to deliver top-notch service journalism and detailed consumer advice to our readers, enabling them to make well-informed decisions when it comes to their finances. Each home warranty review we publish is the result of thorough reporting by our team of experienced writers and editors, who possess a wealth of knowledge about home warranty products. At CNBC Select, we take pride in our commitment to journalistic standards and ethics, and we earn a commission from affiliate partners on many offers and links. However, our content is created independently by our team, without any input from our commercial team or external third parties.

Our methodology

CNBC Select reviews home warranty companies based on various factors:

• We took into account the states where a company issues policies and any applicable waiting periods.
• We evaluated premiums, service call fees, and discounts, as well as any limited-time offers, when considering costs.
• We evaluated companies based on the comprehensiveness of their plans and the availability of additional features for an extra fee.
• We took into account the restrictions on plans, the coverage requirements, and the necessity of maintenance records to approve a claim.
• We evaluated customer satisfaction by examining the availability of customer service representatives, the speed of technician contact, Better Business Bureau ratings and review scores, and any pending legal actions.
• We observed if a company permits customers to select their own licensed technician.

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