Best home warranty 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.
Data and ratings accurate as of April 2019
America’s 1st Choice Home Club offers four home warranty plans, which include a 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 tank-less water heaters
In addition to its amazing coverage, AFC Home Club offers exclusive Club benefits, which include a DealCash membership, a Retail Benefits membership, and an Emergency Alert Network membership.
Regardless if you’ve bought a new house or not, your major home 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 major home systems and appliances.
America’s 1st Choice Home Club was founded by a group of service-oriented people who wanted to offer home warranty service plans to provide affordable coverage to customers. What are the pros and cons? House Method compared America’s 1st Choice to other home 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 home 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. It continues for either one year or three years, depending on the type of coverage plan you choose.
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 company also refuses 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 liability limitations, consult an AFC sample contract or call the provider.
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.
After filing a claim with AFC, the company will contact a service provider within two days (or four days if it’s a holiday or weekend).
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 we’ve reviewed do not give homeowners this option.
Note: If you don’t go through AFC’s pre-approval process, you won’t be reimbursed for service.
It’s also important to call out that there is no limit on the number of times you can request 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:||April 16, 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 47 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. For reference, the BBB uses the following criteria to score businesses.
Consumers Advocate gives America’s 1st Choice Home Club a 9.3 out of 10. This 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.” It goes on to state that, “The company is consistently placed in the top five home warranty companies by independent 3rd party sites. It does not ask for personal information before providing a quote, nor does it subject clients to a home inspection in order for them to qualify for an AFC Home Club membership.”
House Method gives America’s 1st Choice 4 out of 5 stars. We love that the 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:
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…
Compare America’s 1st Choice Home Club to the competition.
|Home Warranty Company||Best For||Score||Plan Options||Cost Per Month||Service Fee||Service Contractor Policy|
|America’s 1st Choice Home Club||Customizable plans||8/10||4 + optional add-ons||$32+||$75–$125||Choose your own to get pre-approved by AFC|
|First American||Limited exclusions||8/10||2 + optional add-ons||$28–$50||$75||Within First American’s network only|
|Advanced Home Warranty||Cheapest home warranty||8/10||2 + optional add-ons||$28–$50||$75||Within Advanced’s network only|
Coverage begins 30 days after you initiate a membership with AFC.
Your home warranty will last for one year (or 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 30-day review period is eligible for a service request with AFC.
The membership does not cover any known or unknown pre-existing conditions. A home warranty plan covers items that are in good working condition and properly maintained at the time of enrollment. You can download a sample contract for a specific list of covered items, terms and conditions, limitations, maintenance requirements, and any exclusions.
Use our First American Home Warranty review to see how this home warranty company stacks up against the competition on coverage and exclusions, costs and service call fees, customer reviews, and more.
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.
Best Home Warranty for Customizable Plans