America's First Choice Home Club
3.4
5.4
Overall Score
Average Project Cost: $40 - $65
America’s 1st Choice Home Warranty (AFC) is a trusted home warranty provider offering flexible, customizable plans to cover essential home systems and appliances. Known for its affordable pricing, AFC provides homeowners with the ability to choose their service call fees, which allows for greater control over monthly costs. With options for pre-existing condition coverage, generous repair limits, and a lifetime workmanship guarantee on repairs, AFC stands out for its commitment to transparency and customer satisfaction. This review details AFC’s plan options, pricing, coverage, and warranty features to help homeowners evaluate if AFC is the right fit for their home protection needs.
Author: Kalicia Bateman
America’s 1st Choice Home Warranty (AFC) is a well-regarded home warranty provider that has been in the industry since 2009. Known for its straightforward service contracts, flexible plan options, and competitive pricing, AFC provides coverage for a range of household systems and appliances. The company is notable for offering extensive benefits, including coverage for pre-existing conditions, customizable service call fees, and a guaranteed response time for claims. This review will explore AFC’s home warranty plans, average costs, warranty details, and what sets it apart from other providers.
Top Ranked Companies
Pros
- Multiple Coverage Plan Options
- Service Call Fee Flexibility
- Contract Options
- Choose Your Own Technician
- 90-Day Guarantee on Parts and Labor
- 24/7 Claims Service
- No Home Inspection
- Transparent Pricing with Competitive Rates
Multiple Coverage Plan Options
America's 1st Choice Home Club offers a variety of home warranty plans that cover major appliances and systems, ranging from basic to extensive. Pricing details for each plan are not listed on AFC Home Club's website, but the annual fee for an AFC home warranty ranges from approximately $400 to $1,100. The following home warranties are available for purchase:
- Systems Plan — protection for major home systems
- Silver Plan — coverage for 9 main home appliances
- Gold Plan — extended appliance and system coverage
- Platinum Plan — AFC Home Club’s most comprehensive coverage for home appliances and systems
Here’s how the plans compare:
| Systems Plan | Silver Plan | Gold Plan | Platinum Plan | |
| Clothes washer/dryer | ✔ | ✔ | ✔ | |
| Refrigerator | ✔ | ✔ | ✔ | |
| Oven/range | ✔ | ✔ | ✔ | |
| Ice maker | ✔ | |||
| Dishwasher | ✔ | ✔ | ✔ | |
| Built-in microwave | ✔ | |||
| Garbage disposal | ✔ | ✔ | ✔ | |
| Garage door opener | ✔ | ✔ | ✔ | |
| Air conditioning | ✔ | ✔ | ✔ | |
| Heating | ✔ | ✔ | ✔ | |
| Electrical system | ✔ | ✔ | ✔ | |
| Water heater | ✔ | ✔ | ✔ | |
| Plumbing system | ✔ | ✔ | ✔ | |
| Plumbing stoppages | ✔ | |||
| Ductwork | ✔ | ✔ | ✔ | |
| Fans | ✔ |
AFC Home Club offers add-on warranty coverage for any home warranty plan you select. Available add-on systems and appliances include the following options:
- Well pump
- Pool and spa equipment
- Septic systems
- Stand-alone freezers
- Ice-makers
- Plumbing stoppages
- Tankless water heaters
These can be selected for an additional fee after you choose a home warranty plan.
Service Call Fee Flexibility
AFC Home Club lets you choose your service fee amount — $75, $100, or $125. The fee will be paid directly to the technician that comes to your home to perform any services or repairs. This flexibility can help homeowners control their monthly premium by selecting a higher or lower fee based on their budget and repair needs.
It is important to note that whichever service call fee amount you choose will affect the overall cost of your coverage plan — the lower the fee you choose, the higher the cost of your plan and vice versa.
Contract Options
AFC Home Club offers annual and three-year contracts, allowing you to choose your coverage timeline.
Choose Your Own Technician
Many home warranty companies require that you use their company contractors when you request service. AFC Home Club allows customers to choose their own qualified service technician. If you don't want to select your own technician, America's 1st Choice Home Club will provide one of its technicians that has been through a thorough screening process to ensure you receive the best service possible.
90-Day Guarantee on Parts and Labor
AFC Home Club guarantees all parts and labor their technicians perform are covered for the life of your home warranty contract, unlike some other home warranty providers that only offer 30- to 60-day guarantees. This ensures that if a repair fails within three months, AFC will cover follow-up repairs at no additional cost.
24/7 Claims Service
If you need assistance or repairs on any of your appliances or systems, you can contact AFC Home Club at any time. The company has a 24/7 phone line or you can submit service requests online without having to call a customer service representative. This makes the claim process quick and easy for AFC Home Club customers.
No Home Inspection
Customers do not have to complete a home inspection before purchasing an AFC Home Club home warranty. Any system or appliance issue that occurs after the 30-day review period is eligible for a claim with AFC Home Club.
However, like most home warranty companies, AFC Home Club home warranties do not cover known or unknown pre-existing conditions.
Transparent Pricing with Competitive Rates
AFC offers four comprehensive plans with monthly costs ranging from $40 to $65, making it a cost-effective option. The total annual cost for AFC plans typically falls between $450 and $750, depending on the selected plan and service call fee. Here is a breakdown of typical costs associated with AFC:
- Monthly Premiums: AFC’s monthly costs range from $40 to $65, with prices varying based on the plan selected and the chosen service fee.
- Annual Premiums: Total annual costs generally range from $450 to $750. Homeowners who pay annually often receive a slight discount compared to monthly payments.
- Service Fees: AFC allows customers to choose their service fee, with options from $75 to $125. Selecting a higher service fee can help reduce monthly premium costs.
- Add-On Costs: AFC offers several add-on options, such as roof leak coverage, pools, spas, and septic systems. Each add-on has a separate fee, typically ranging from $3 to $7 monthly.
Cons
- Service Area Limitations
- Limited Roof Leak Coverage
Service Area Limitations
AFC’s coverage is not available in California or Hawaii, which may limit its accessibility for some homeowners.
Limited Roof Leak Coverage
Unlike some competitors that offer free roof leak coverage, AFC provides this only as an optional add-on for an additional cost. Homeowners looking for roof coverage should be aware of this added expense.
The Bottom Line
America’s 1st Choice Home Warranty is a solid choice for homeowners seeking flexible and affordable home warranty options. With a range of plans, extensive add-ons, and options for customizing service fees, AFC provides valuable coverage for both home systems and appliances. The inclusion of a lifetime workmanship guarantee, coverage for certain undetectable pre-existing conditions, and a 90-day parts and labor warranty further enhance the company’s appeal. While availability is limited in some states and roof leak coverage requires an additional fee, AFC’s overall offering is competitive, reliable, and budget-friendly.
Overall, America’s 1st Choice Home Warranty is well-suited for homeowners seeking versatile coverage with customizable plans, especially those who value affordable premiums and a strong commitment to repair quality.
