BBB Accredited
Good Customer Service
Nationally Available

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Summary

America’s 1st Choice Home Club (AFC Home Club or simply, AFC) offers three levels of home protection plans plus a Systems Home Protection Plan, which can be added to any level of coverage. The System’s Home Protection Plan includes heating, cooling, electrical, and plumbing systems.

Data and rating accurate as of March 2018

Our home warranty reviews at a glance

Price –
$ $ $ $ $

America’s 1st Choice Home Club annual premiums start at $395 (for their most basic plan). Free quotes are available on their plan coverage page.

Coverage

Silver Gold Platinum Systems
Clothes dryer Clothes dryer Clothes dryer Water heater (gas and/or electric)
Clothes washer Clothes washer Clothes washer Air conditioning/cooler – 1 unit
Kitchen refrigerator Kitchen refrigerator Kitchen refrigerator with ice maker Heating systems or built-in wall unit
Water heater (gas and/or electric) Water heater (gas and/or electric) Water heater (gas and/or electric) Electrical system
Oven Oven Oven Plumbing system
Range Range Range
Stove/cooktop Stove/cooktop Stove/cooktop
Dishwasher Dishwasher Dishwasher
Garbage disposal Garbage disposal Garbage disposal
Garage door opener Garage door opener Garage door opener
Air conditioning/cooler Built-in microwave
Heating systems or built-in wall unit Air conditioning/cooler
Electrical system Heating systems or built-in wall unit
Plumbing system Electrical system
Ductwork Plumbing system
Plumbing stoppages
Ductwork

Service fee

No matter the cost of the repair or replacement, warranty holders are charged a fee of $60 per service call.

Claims process

The AFC claims process is very straightforward and can be initiated online via the request service page by providing your information, your policy number, and a brief explanation of your service needs. Customers can also initiate service by calling the claims department directly.

You must notify America’s 1st Choice Home Club as soon as you discover a problem. Claims can be made 24 hours a day, seven days a week. All service requests will be completed during business hours, Monday through Friday.

AFC will contact a service provider within two days (or four days if it’s a holiday or weekend). They claim the sole right to choose your service provider, but you can choose your own by getting your service provider pre-approved. If you don’t go through AFC’s pre-approval process, you won’t be reimbursed for service.

Coverage length

Coverage starts 30 days after you initiate a membership with AFC and continues for exactly one year.

Coverage exclusions

It’s important to note that AFC Home Club will not cover any pre-existing conditions of your home, regardless of whether you’re aware of  them. They also refuse to cover any “malfunction or improper operation due to rust or corrosion of all systems and appliances or collapsed ductwork.” For a complete list of the liability limitations, consult an AFC sample contract or call the provider.

Years in business

America’s 1st Choice Home Club has been in business for 9 years.

Better Business Bureau rating

The Better Business Bureau (BBB) gives America’s 1st Choice Home Club a B rating and reports 203 complaints lodged. The BBB uses the following criteria to score businesses:

  • Number of complaints filed with BBB against the business
  • The size of the business
  • If complaints have been filed, whether in BBB’s opinion the business appropriately responded to them
  • If complaints have been filed, whether in BBB’s opinion the business resolved the complaints in a timely manner to the customer’s satisfaction
  • If complaints have been filed, whether in BBB’s opinion the business made a good faith effort to resolve complaints, even if the customer was not satisfied with the resolution
  • If complaints have been filed, whether in BBB’s opinion the business failed to resolve the underlying cause(s) of a pattern of complaints
  • The age of resolved complaints (older resolved complaints have less of an impact on the rating than newer complaints)

You can read individual America’s 1st Choice Home Club reviews on the BBB site or on other review forums.

Consumers Advocate review

Consumers Advocate gives America’s 1st Choice Home Club a 9.4/10. Their high rating is the result of affordable pricing and excellent America’s 1st Choice Home Club reviews by customers. Consumers Advocate explains, “AFC is a company that aims to simplify what is normally a very complex service.”

America’s 1st Choice Home Club customer reviews

America’s 1st Choice Home Club reviews are, for the most part, very positive. AFC actually responds to their reviewers across several platforms, which is an excellent indication that they take their customers’ complaints (and praise) seriously. Here’s a Consumer Affairs review from Marilyn of Oceanside, CA:

“On the internet, I looked at the ratings and comments other people had made for home warranty companies. The number one company doesn’t cover California so I got AFC Home Club, which is rated number two. I have submitted two claims with them and both have been good experiences. AFC responds quickly and is easy to work with. I called them directly and they were very professional and efficient. They knew their business and knew the right questions to ask. I would recommend AFC Home Club to anybody interested.”


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