AFC Home Warranty Review: Plans, Cost And Coverage For 2024

By Rosanne Schipper
Contributor

Reviewed By

Lexie Pelchen Editor
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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
AFC Home Warranty
Get A Free Quote
On AFC's Website
4.7
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Plans Available
4
Choice of Technician
Yes
States Covered
47

Table of Contents

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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 their 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.

AFC Home Warranty Pricing

Below, you’ll find details on the monthly costs and service fees associated with AFC Home Warranty’s four home warranty 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 they offer:

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. 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. 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:

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Securing a Home Warranty Plan: We Put AFC Home Warranty to the Test

To thoroughly check out AFC Home Warranty’s home warranty plans, we looked closely at different parts of their service. We checked out their 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

Getting around AFC Home Warranty’s website feels very intuitive. 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
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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, it’s important to be aware of certain aspects that 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 home warranty 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 extends its services to a broad reach, covering 47 states. However, their 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 Monthly Cost Service Fee Nationwide Availability Coverage InclusionsLearn More
AFC Home Warranty$36.83 - $67.15 $75.00 - $125.00 47 states Clothes dryer, clothes washer, kitchen refrigerator, oven/range, cooktop, stove, dishwasher, garbage disposal, garage door openerGet A Free QuoteOn AFC's Website
American Home Shield$29.99 - $39.99 $100.00 - $125.00 48 states 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 assembliesGet A Free QuoteOn American Home Shield's Website
Select Home Warranty Select Home Warranty$44.42 N/A 49 states Clothes asher, garbage, disposal, refrigerator, stove/oven, microwave oven (built-in), cooktop, dishwasher, clothes dryerGet A Free QuoteOn Select Home Warranty's Website

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 response times are longer than for 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 52 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 at $36.83 to $67.15 per month, covering essential appliances, to the most comprehensive Diamond Plan, priced between $91.58 and $152.20 monthly. Service fees, customizable at either $75 or $125, add 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 homeowners 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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Forbes Home adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

Rosanne Schipper
Rosanne Schipper Contributor

Rosanne is an interior design and home improvement writer with 8 years of experience. During that time she has worked with numerous businesses and publications. Rosanne has been with Forbes Home for nearly a year and has explored topics ranging from solar energy and flooring to HVAC, roofing and pest control.

Lexie Pelchen
Lexie Pelchen Editor

Lexie is a deputy editor at Forbes Home and has over 6 years of professional experience as a writer and editor in the home improvement space. She's previously worked at sites such as HomeAdvisor and Angi (formerly Angie's List).

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