With 30 years of collective experience, AFC Home Warranty stands out as a reliable warranty provider for homeowners seeking comprehensive coverage for their beloved homes. After the Forbes Home editorial team analyzed 54 companies, we concluded that AFC Home Warranty has proven to be a trusted partner in safeguarding your place. Therefore, we awarded the company with a 4.7 out of 5 score, making it one of the best home warranty providers.
AFC Home Warranty scores with its quick quote process, the option to choose your own technician and unlimited service requests. Despite challenges like a cancellation fee and preexisting condition limitations, AFC’s overall performance and transparency make it a noteworthy choice in the industry.
Pros
- Options to choose your own service technician
- Transparent plans with inclusions and exclusions listed on the website
- Unlimited number of service requests
- Work guarantees last for the life of the plan
Cons
- Does not cover any known or unknown preexisting conditions
- Low coverage caps on certain systems, such as plumbing
- $75 cancellation fee
Table of Contents
- About AFC Home Warranty
- AFC Home Warranty Pricing
- Compare AFC Home Warranty Plans
- Optional Add-Ons
- Securing a Home Warranty Plan: We Put AFC Home Warranty to the Test
- What We Like About AFC Home Warranty
- What We Didn’t Like About AFC Home Warranty
- Payout Limitations and Other Considerations From AFC Home Warranty
- AFC Home Warranty Availability
- How AFC Home Warranty Stacks Up
- AFC Home Warranty Reviews and Experience
- Bottom Line: Is AFC Home Warranty Right for You?
- Methodology: How We Rated Home Warranty Companies
About AFC Home Warranty
AFC Home Warranty has been a steadfast presence with a collective 30 years of home warranty experience. Headquartered in Marietta, GA, the company operates in 47 states. Offering four comprehensive plans and add-ons, AFC Home Warranty caters to various home protection needs.
What makes AFC Home Warranty unique is the freedom it gives homeowners to choose their service technician, adding flexibility and a personal touch to the coverage. Transparency is key for AFC Home Warranty, providing clear and detailed plans that are easily accessible on its user-friendly website.
Going the extra mile, the company offers lifetime work guarantees, ensuring lasting protection throughout the chosen plan’s duration. This combination of experience, flexibility, transparency and comprehensive coverage makes AFC Home Warranty a compelling choice for homeowners seeking a reliable home warranty.
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
4
AFC Home Warranty
Plans Available
4
Response Time
Excellent
Number Of States
47 excl. WA, HI and CA
AFC Home Warranty Pricing
Below, you’ll find details on the monthly costs and service fees associated with AFC Home Warranty’s four plans. The prices are based on both one-year and three-year terms.
| SILVER PLAN | GOLD PLAN | PLATINUM PLAN | DIAMOND PLAN | |
|---|---|---|---|---|
| Cost Per Month | $36.83 - $67.15 | $51.92 - $85.60 | $57.00 - $97.70 | $91.58 - $152.20 |
| Service Fees | $75.00 - $125.00 | $75.00 - $125.00 | $75.00 - $125.00 | $75.00 - $125.00 |
Compare AFC Home Warranty Plans
When securing your home, AFC Home Warranty has you covered with various plans tailored to different needs. Let’s take a closer look at the four plans the company offers:
Silver Plan
AFC’s Silver Plan is all about essential appliances, covering ovens, dishwashers and more. Notably, it includes often-overlooked items like refrigerators, washers and dryers—features absent in some basic plans from other providers. This plan is perfect for homeowners who prioritize appliance coverage and have other solutions for system issues.
Gold Plan
AFC Home Warranty’s Gold Plan is your essential home protection, covering 15 appliances and systems. Tailored for comprehensive coverage without unnecessary complexity, it includes appliances from the Silver Plan and adds ductwork, plumbing, electrical systems, water heater, heating and air conditioning. The Gold Plan ensures your home is well-covered for daily needs and critical systems.
Platinum Plan
AFC’s Platinum Plan is the most comprehensive base offering. This plan covers everything in the Gold Plan and goes further by adding home systems and appliances not included in the Gold Plan, such as built-in microwaves, plumbing stoppages, ice makers and fans. It is perfect for homeowners seeking a worry-free solution for all home maintenance issues.
Diamond Plan
AFC Home Warranty’s Diamond Plan provides the broadest protection, covering 18 systems and appliances. Beyond traditional home warranties, it extends its shield to include electronics (including smartphones) and exterior water and sewer lines. This coverage ensures your plumbing is safeguarded from the tap to the street, which is an exclusive protection that most companies won’t cover.
To make things easier, we’ve put together a table showcasing AFC Home Warranty’s plans. Compare the features in each plan to find the best fit for your home. It’s a simple way to understand what each plan covers and choose the one that suits your needs.
| FEATURE | SILVER PLAN | GOLD PLAN | PLATINUM PLAN | DIAMOND PLAN |
|---|---|---|---|---|
| Clothes Washer | Yes | Yes | Yes | Yes |
| Clothes Dryer | Yes | Yes | Yes | Yes |
| Kitchen Refrigerator | Yes | Yes | Yes | Yes |
| Oven/Range | Yes | Yes | Yes | Yes |
| Cooktop | Yes | Yes | Yes | Yes |
| Stove | Yes | Yes | Yes | Yes |
| Dishwasher | Yes | Yes | Yes | Yes |
| Garbage Disposal | Yes | Yes | Yes | Yes |
| Garage Door Opener | Yes | Yes | Yes | Yes |
| Water Heater | No | Yes | Yes | Yes |
| Air Conditioning | No | Yes | Yes | Yes |
| Heating Systems | No | Yes | Yes | Yes |
| Electrical System | No | Yes | Yes | Yes |
| Plumbing System | No | Yes | Yes | Yes |
| Ductwork | No | Yes | Yes | Yes |
| Plumbing Stoppages | No | No | Yes | Yes |
| Faucets | No | No | Yes | Yes |
| Ice Maker | No | No | Yes | Yes |
| Built-In Microwave | No | No | Yes | Yes |
| Fans (Attic, Exhaust, Ceiling) | No | No | Yes | Yes |
| Electronics | No | No | No | Yes |
| Exterior Sewer Lines | No | No | No | Yes |
| Exterior Water Lines | No | No | No | Yes |
Optional Add-Ons
Customize your AFC Home Warranty plan to suit your specific needs with optional add-ons for an extra monthly cost. These add-ons provide additional protection for various aspects of your home. Take a look at the options below:
- Pool and spa
- Stand-alone freezer
- Septic system
- Sump pump
- Well pump
- Roof leak coverage
- Electronics
Securing a Home Warranty Plan: We Put AFC Home Warranty to the Test
To thoroughly examine AFC Home Warranty’s home warranty plans, we analyzed different parts of its service. We checked out its easy-to-use website and even tried getting some quotes through a mystery shopper process to see how it works. Here’s what we discovered during our research.
Navigating the Website
AFC Home Warranty’s website is very intuitive to navigate. You’ll find everything you need to know about service contracts, terms and what’s covered. The site’s layout makes it simple to compare plans, showing exactly which appliances and systems are included and which add-ons are available.
There’s a helpful page with resources with more information about general home warranty topics. The service button is easy to navigate and will guide you to a quick online form. AFC’s website is designed to ensure you have all the information you need.
Getting a Quote
AFC Home Warranty lives up to its claim of a speedy 30-second quote, and we put it to the test. Clicking on “Free Quote in 30 Seconds,” you enter some basic info.
The next screen promptly reveals the available plans for your area, complete with prices and inclusions. Choosing the best-fitting plan is straightforward. Customization options are laid out on the subsequent screen, leading you seamlessly to checkout.
The entire experience of getting a quote was remarkably easy. Within seconds, we had a personalized plan with all the details, including prices.
Two Coverage Scenarios
To put AFC Home Warranty to the test and gain a comprehensive understanding of their offerings, we requested quotes for homes in Austin, Texas. Evaluating two different scenarios, we explored the affordability and customization of AFC’s home warranty solutions. Here are the details of the quotes we received:
Silver plan
- Service Fee: $75
- Length: 1 year
- Offer: $150 discount and free roof leak coverage
- Total Cost: $41.83 per month
Platinum Plan
- Service Fee: $75
- Length: 3 years
- Offer: $300 discount and free roof leak coverage
Total Cost: $97.70 per month
What We Like About AFC Home Warranty
Discover the standout features that make AFC Home Warranty a top choice for home warranty coverage, from flexibility in technician selection to transparent plan options and an unparalleled work guarantee.
Choose Your Own Technician
AFC Home Warranty stands out by allowing homeowners to choose their own service technicians. This flexibility empowers homeowners to select technicians they trust, providing a personalized touch to the repair process.
Comprehensive Plan Options
AFC Home Warranty offers comprehensive coverage for various home needs with four distinct plan options. Precise details about coverage and exclusions are readily available on the website, helping customers to make an informed decision.
Unlimited Service Requests
AFC Home Warranty sets itself apart by offering unlimited service requests. Homeowners can request service as often as needed without worrying about limitations. The frequency of service requests doesn’t impact the rate or coverage.
Flexible Service Fees
AFC Home Warranty offers flexibility in premium payments, allowing homeowners to choose a $75 or $125 service fee. This feature empowers customers to customize their plans according to their budget preferences while maintaining comprehensive coverage.
Longest Work Guarantee
AFC Home Warranty goes above and beyond with one of the most extended work guarantees in the industry. While other companies typically offer a 30- or 60-day guarantee on repairs, AFC’s guarantee lasts for the entire life of the plan, which could be up to three years. This commitment to lasting quality assurance sets the company apart.
What We Didn’t Like About AFC Home Warranty
While AFC Home Warranty offers robust home warranty coverage, certain aspects may not align with every homeowner’s preferences. Here’s a closer look at considerations to keep in mind when evaluating AFC Home Warranty’s offerings.
Cancellation Fee
AFC Home Warranty imposes a $75 cancellation fee. While cancellation fees are not uncommon in the industry, homeowners need to be aware of this cost, especially if they anticipate changes in their coverage needs.
Preexisting Conditions Exclusion
One notable limitation is the coverage exclusion for known and unknown preexisting conditions. This means any issues present before the start of the home warranty coverage will not be covered, potentially leaving homeowners with unexpected repair costs.
Low Coverage Caps on Certain Systems
AFC Home Warranty sets relatively low coverage caps on specific systems, such as plumbing, which is limited to $500 per claim. Homeowners should carefully consider these caps, especially if they anticipate significant repairs, as costs beyond the coverage cap become their responsibility.
Potentially Higher Monthly Premiums
Compared to some competitors, AFC Home Warranty’s monthly premiums may be on the higher side. While the coverage is comprehensive, homeowners should weigh the cost against the benefits to ensure it aligns with their budget.
No Emergency Service
AFC Home Warranty doesn’t offer emergency services. Most technicians are unavailable after regular hours and the service staff may only contact technicians during the next business day. While not an emergency service, homeowners can still seek assistance from licensed, insured technicians for late nights, holidays or weekends, provided they accept repairs from any qualified professional.
Payout Limitations and Other Considerations From AFC Home Warranty
Understanding AFC Home Warranty’s plans involves navigating various payout limitations for each covered item. While there is an overarching maximum payout, distinct caps exist for each appliance and system.
AFC Home Warranty designates a maximum payout of $3,000 per item for appliances, covering access, diagnosis, repair or replacement. Notably, a limit applies uniquely to each covered appliance and resets at the initiation of every contract term, typically every 12 months. Similarly, home systems also have distinct caps, with a maximum payout of $1,000 per item. Each system, whether plumbing, electrical or another, comes with its own cap for access, diagnosis, repair or replacement.
This approach emphasizes the importance of reading the policy carefully to understand each payout cap individually, ensuring homeowners are well-informed about the coverage specifics for their appliances and systems.
AFC Home Warranty Availability
AFC Home Warranty has a broad reach, covering 47 states. However, its comprehensive home warranty plans are not available in California, Hawaii, Washington and Washington, D.C. Homeowners in the remaining states can benefit from AFC Home Warranty’s offerings for their home protection needs.
How AFC Home Warranty Stacks Up
Our experts have compared AFC Home Warranty with key competitors to provide a comprehensive overview of services and prices. The table below compares the basic coverage plans offered by AFC Home Warranty, American Home Shield and Select Home Warranty.
| COMPANY | COVERAGE INCLUSIONS |
|---|---|
| AFC Home Warranty | Clothes Dryer, Clothes Washer, Kitchen Refrigerator, Oven/range, Cooktop, Stove, Dishwasher, Garbage Disposal, Garage Door Opener |
| American Home Shield | Air Conditioners, Heating Units, Ductwork, Built-In Exhaust Fans, Main Breaker/fuse Panel Box, Doorbells, Interior Electrical Lines, Ceiling Fans, Garage Door Openers, Water Heaters, Interior Plumbing Lines, Toilets, Faucets and Valves, Built-In Jetted Tub Motors, Pumps and Air Switch Assemblies |
| Select Home Warranty | Clothes Washer, Garbage, Disposal, Refrigerator, Stove/oven, Microwave Oven (built-In), Cooktop, Dishwasher, Clothes Dryer |
AFC Home Warranty vs. American Home Shield
AFC Home Warranty and American Home Shield are both national home warranty providers, covering a wide range of states. AFC stands out with a broader selection of optional add-ons, a more extended workmanship guarantee and the flexibility to choose service providers. However, it’s essential to note that AFC Home Warranty has lower system coverage limits than American Home Shield.
American Home Shield offers competitive prices and may be the preferred choice for customers seeking a more basic and less expensive home systems plan. It’s worth noting that American Home Shield requires pre-approval, has a shorter workmanship guarantee (30 days), and has longer response times than some competitors. The choice between the two providers depends on individual preferences, budget considerations and specific coverage needs.
Learn more: American Home Shield review
AFC Home Warranty vs. Select Home Warranty
AFC Home Warranty and Select Home Warranty are prominent home warranty providers with distinct features. While AFC stands out for its broader selection of optional add-ons, a more extended workmanship guarantee and competitive pricing, Select Home Warranty offers free roof leak protection, multi-year policy discounts and a 30-day free cancellation period.
However, Select Home Warranty has variable service fees and stricter claim requirements. Additionally, customers cannot choose their contractors with Select Home Warranty. Consider these factors to choose a home warranty provider that best aligns with your preferences and requirements.
Learn more: Select Home Warranty review
AFC Home Warranty Reviews and Experience
AFC Home Warranty gets different customer reviews, showing a mix of opinions. Some people appreciate the company for sticking to its service terms and having responsive technicians. They also praise the company for offering a wide range of options that are customizable to everyone’s needs. But there are challenges too, especially with lower estimates for total replacements, making some customers unhappy.
While a B rating on BBB may not be the highest, it’s noteworthy that AFC Home Warranty responds to 100% of the customer claims filed with the BBB. This shows the company actively works to address customer concerns. This responsiveness plays a role in the company’s continuous efforts to maintain a good reputation in the home warranty industry.
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Bottom Line: Is AFC Home Warranty Right for You?
According to our research, AFC Home Warranty is a great choice for homeowners searching for trustworthy and comprehensive home warranty coverage. The freedom to choose your own service technician and a straightforward quote process make it a customer-friendly option. AFC Home Warranty is a great fit for those valuing flexibility, transparency and long-lasting protection.
However, it’s essential to keep in mind factors like the cancellation fee and preexisting condition limitations to determine if AFC Home Warranty suits your specific needs and preferences.
Methodology: How We Rated Home Warranty Companies
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 54 companies, with each company’s star rating determined by evaluating a variety of metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features, property coverage, customer reviews and support and nationwide availability.
You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.
All figures and facts were accurate at the time of first publication.
Frequently Asked Questions (FAQs)
How much does AFC Home Warranty cost?
AFC Home Warranty presents varied home warranty plans, ranging from the affordable Silver Plan, priced between $36.83 and $67.15 per month and covering essential appliances, to the most comprehensive Diamond Plan, priced between $91.58 and $152.20 monthly. Service fees are customizable at either $75 or $125, adding flexibility to suit homeowners’ preferences.
What Does AFC Home Warranty Cover?
AFC Home Warranty’s home warranty plans offer a range of coverage options. From the essential appliances covered in the Silver Plan to the comprehensive protection of major home systems, built-in appliances and beyond in the Platinum and Diamond Plans, homeowners can choose a plan that suits their specific needs.
What Does AFC Home Warranty not cover?
Like most home warranty providers, AFC Home Warranty does not cover damage from natural disasters, vandalism, theft, mold, mildew or pest damage. It’s important to note that home warranties typically focus on normal wear and tear of covered appliances and systems. Damages from events like natural disasters are typically addressed through a homeowner’s insurance policy.
Does AFC Home Warranty cover roof leaks?
Yes, AFC Home Warranty does offer coverage for roof leaks, but it is an optional add-on that comes with an additional monthly fee. Homeowners looking to protect their homes from potential roof leaks can choose to include this optional coverage for an extra cost, providing them with peace of mind against unexpected roofing issues.
Does AFC Home Warranty cover preexisting conditions?
No, AFC Home Warranty does not cover preexisting conditions. It’s important to note that many home systems and appliances may have existing issues when enrolling in a home warranty plan. AFC Home Warranty’s coverage addresses new, unforeseen problems that may arise during the coverage period and does not extend to preexisting conditions.
Does AFC Home Warranty require a home inspection?
Unlike some other home warranty providers, AFC Home Warranty simplifies the process by eliminating the need for a home inspection. Once enrolled, any issues that occur after the 30-day waiting period are eligible for coverage, ensuring a straightforward and accessible approach to home protection.
How do I file a claim with AFC Home Warranty?
Filing a claim with AFC Home Warranty is convenient and accessible. The in-house service line is operational 24/7, providing the flexibility to call at any time. Alternatively, claims can be submitted online for added convenience. AFC Home Warranty aims to streamline the process, making it easy for homeowners to request service whenever needed.
Are there any customer service complaints?
While AFC Home Warranty has received 148 total complaints on BBB over the last three years, it’s noteworthy that the company responds to every single one of them. In the previous 12 months alone, 61 complaints were addressed and resolved by the company, reflecting a proactive approach to handling customer concerns and a dedication to maintaining a positive customer service experience.
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