Best for customizable plans
AFC is the only home warranty company that lets customers choose their own service contractor, and it has twice the amount of plans than other providers.
In this review, we’ll explain to you what you need to know about America’s 1st Choice Home Club and how it scored against our home warranty rating rubric. We’ll introduce you to the advantages that AFC Home Club offers its customers—including the ability to choose your own contractor. Read on to learn why America’s 1st Choice is the best choice for you or call to get a free, personalized quote.
America’s 1st Choice Home Club offers four home warranty plans—Platinum Plan, Gold Plan, Silver Plan, and Systems Plan. The Platinum Plan offers the most comprehensive coverage, protecting most of your home’s major systems and appliances. America’s 1st Choice also offers optional coverage for your well pump, pool and spa equipment, septic systems, stand-alone freezers, ice-makers, plumbing stoppages, and tankless water heaters.
In addition to its amazing coverage, AFC Home Club offers exclusive Club benefits, which include a DealCash membership, a Retail Benefits membership, MoneyTips credit monitoring, and an Emergency Alert Network membership.
Regardless if you’ve bought a new house or not, your major systems and appliances will eventually break down. The average life expectancy of a refrigerator, for example, is 14 to 17 years. And the average cost of a refrigerator replacement is $1,925. You can save time and money on these costs by investing in a home warranty, a one-year service contract that covers repairs and replacements on home systems and appliances.
America’s 1st Choice Home Club was founded by a group of service-oriented people who wanted to offer home repair insurance to provide affordable coverage to customers. What are the pros and cons? House Method compared America’s 1st Choice to other warranty companies by reading customer reviews and creating an overview of what the provider actually covers and for how much. Read our America’s 1st Choice Home Club review to find out more.
America’s 1st Choice Home Club annual premiums start at $32 per month. However, the cost of an AFC Home Club home warranty will depend on the type of plan you choose, where you live, and which add-ons you include with your coverage. Here are the quotes our team received:
|Plan coverage||One-year cost||Three-year cost|
|Platinum||$59.09 per month||$91.67 per month|
|Gold||$52.27 per month||$80.56 per month|
|Silver||$43.18 per month||$69.44 per month|
|Home systems||$43.18 per month||$69.44 per month|
You can get a free quote on the AFC Home Club plan coverage page.
No matter the cost of the repair or replacement, warranty holders are charged a service fee of $75–$125 per service call. Customers have the option to choose their own service fee depending on the amount of service they anticipate needing. That means homeowners can pay a higher service fee for a lower premium or vice versa. This cost range keeps AFC competitive with other warranty companies in the industry.
|Clothes dryer||Clothes dryer||Clothes dryer||Water heater (gas and/or electric)|
|Clothes washer||Clothes washer||Clothes washer||Air conditioning/cooler – one unit|
|Kitchen refrigerator (with ice maker)||Kitchen refrigerator||Kitchen refrigerator||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|
|Garbage disposal||Garbage disposal||Garbage disposal|
|Garage door opener||Garage door opener||Garage door opener|
|Built-in microwave||Air conditioning/cooler|
|Air conditioning/cooler||Heating systems or built-in wall unit|
|Heating systems or built-in wall unit||Electrical system|
|Electrical system||Plumbing system|
AFC Home Club coverage starts 30 days after you initiate a membership with AFC. After the first 30 days, coverage continues year after year, depending on the type of home protection plan you choose and if you renew.
America’s 1st Choice recently updated its list of exclusions. Pay-out limits on appliances have increased to $2,000 per appliance. The company also lifted the cap on HVAC systems, which was previously limited to $2,000. That means that the cost of your covered HVAC repair or replacement is completely on the house courtesy of AFC. All you have to pay is the service fee.
It’s important to note that AFC Home Club will not cover any pre-existing conditions of your home, regardless if you’re aware of them. The home warranty company also refuses to cover any “malfunction or improper operation due to rust or corrosion of all home systems and appliances or collapsed ductwork.”
The AFC Home Club 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 make a service call by calling the customer service 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 customer service requests will be completed during business hours, Monday through Friday.
After filing a claim with AFC, the home warranty company will contact a service provider within two to four days. AFC claims the sole right to choose your service provider, however, you can choose your own by getting your service provider pre-approved. This is unique to AFC. All other home warranty companies that House Method has reviewed do not give homeowners this option.
Note: If you don’t go through AFC’s pre-approval process, you will not be reimbursed for service.
|Starting Cost Per Month||$32|
|State Availability||47 states|
|Contract Term||12 months|
|Years in Business||9|
|Better Business Bureau Rating||B|
|Review last updated:||May 10, 2019|
AFC Home Club has been in business since 2009. Ten years is a good amount of time in the home industry, which is only 48 years old itself.
AFC Home Club is an accredited business of the Better Business Bureau (BBB). The BBB gives America’s 1st Choice Home Club a B rating.
America’s 1st Choice Home Club has received an average of 4.2 out of 5 stars across the board. This high rating is the result of affordable pricing and excellent America’s 1st Choice Home Club reviews by customers. You’ll often see AFC Home Club included in the top five warranty companies across third-party review websites.
House Method gives America’s 1st Choice 4.5 out of 5 stars. We love that the home warranty company allows customers to choose their own contractors, and its award-winning customer service has not gone unnoticed. AFC Home Club also has four home warranty plan options, which is twice as many as most home warranty companies.
Here are some of America’s 1st Choice Home Club reviews featured on the company’s website:
Anthony of Memphis, Tennessee on April 20, 2019
America’s First Choice is the home warranty company that I chose for my house. The rep that I talked to had great customer service and I had access directly to him for more questions, so I felt comfortable and picked AFC. I liked that they have very well-informed reps. The rep that I dealt with wasn’t just trying to get a sale, but he was also being very informative about the services that they offer, and I found that to be very important.
Lucinda of Lithonia, Georgia on April 1, 2019
Anytime I call for a service request or with an account question, it is handled professionally and efficiently. I have had no issues in dealing with this company or in getting service requests taken care of in a timely fashion. [I] highly recommend.
Keeva of Powder Springs, Georgia on March 20, 2019
I’ve been a member for over a year now. Everyone I’ve spoken to, from starting my membership and the many questions I had as a new homeowner, to the one instance in which I had to call for service, everyone has been top notch. Highly recommend!
Luann of Greensboro, North Carolina on March 8, 2019
We have two properties and use one as a rental. We had another company in the past and when we asked them to help with a replacement of an HVAC system, which was part of the coverage, they declined. Someone I worked with recommended America’s First Choice Home Club and my interactions with their reps have been very good. I’d recommend them.
Andres of Fresno, California on January 26, 2019
It’s very important to have a warranty on your property because you never know when something might go wrong. you might buy a piece of new equipment and three months after the warranty expires, you’re not covered. So it would be best to have extra coverage.
I came across America’s First Choice Home Club on the internet and I got a warranty from them because of their rating. Submitting a claim with them has been really easy. I’ve done it over the phone and their claims reps have been fast and remarkable. Also, the contractors that AFC has sent me have been polite and the quality of their work has been good.
America’s 1st Choice Home Club is a great option for you if…
AFC Home Club might not be the best home warranty company for homeowners who live in a newly built home. New construction should be protected already by a builder’s warranty, which might negate the need for a home warranty for the first couple of years. However, if your appliances are not new, you can still protect them with a home warranty (also called home appliance insurance).
Compare America’s 1st Choice Home Club to the competition.
|Home Warranty Company||Best For||Plan Options||Cost Per Month||Service Fee||Service Contractor Policy|
|America’s 1st Choice Home Club||Customizable plans||4 + optional add-ons||$32+||$75–$125||Choose your own to get pre-approved by AFC|
|First American||Limited exclusions||2 + optional add-ons||$28–$50||$75||Within First American’s network only|
|Choice Home Warranty||Best overall||2 + optional add-ons||$29–$42||$75||Within Choice Home Warranty’s network only|
AFC Home Club has four home warranty plans. The Platinum Plan is the most comprehensive, covering major systems and appliances in the home. In addition to the four home protection plans, you have the option to customize your home warranty coverage by including add-ons to your home warranty plan.
Coverage begins 30 days after you initiate a membership with AFC. This waiting period of 30 days is standard across all home warranties. It prevents the company from having to repair or replace systems or appliances that were already broken or malfunctioning before the customer enrolled in a home warranty plan.
Your home warranty will last for one to three years depending on the plan you opt into.
According to AFC Home Club, the company does not require an inspection to qualify for membership. Any failure that occurs after the first 30 days is eligible for a service request with AFC.
A home warranty does cover most major systems and appliances, such as your dishwasher, air conditioning, Whirlpool bathtubs, and sometimes even septic systems. Home warranties do not cover any known or unknown pre-existing conditions. A home warranty plan, like America’s First Choice, covers items that are in good working condition and properly maintained at the time of enrollment. You should request a sample contract to understand the coverage and coverage limits.
Over the past 35 years, First American Home Warranty reviews have been positive thanks to its lack of coverage limits, quality customer service, and large network.
House Method reviewed Advanced Home Warranty based on its cost, coverage, pricing, claims process, and BBB rating. Read on to find out why it's one of the best home warranty companies.