Average
Based on 517 reviews
AFC Home Warranty3.8Honesty, pricing, process and quality scores appear once 5 customers have rated them.
For almost two decades, America’s First Choice Home Warranty has protected homeowners against unexpected and costly repair bills when systems and appliances in their homes break. Bringing savings and peace of mind to homeowners is our number one goal, and our home warranty plans deliver.When systems or appliances fail in your home, simply call or request service online and AFC takes care of the rest. We’ll schedule the repair professional (you may also use a professional of your choice) and cover the cost of repair or replacement.* After that, we’ll guarantee the repair for the life of your plan.AFC covers all of your home’s essential systems and appliances, from HVAC, electrical, and plumbing systems to kitchen and laundry appliances to home electronics and more. We even cover outdoor sewer and water supply lines. And with so many items that could need repair, you can use your warranty plan as often as needed to keep your home running smoothly.With thousands of pre-vetted technicians in our nationwide network, AFC brings quality, efficiency, and savings to the table when you need us. That lets stop worrying about household repairs so you can focus on, well, living your life.*Limitations and exclusions apply.
AFC Home Warranty (afchomeclub.com) has 517 customer reviews on Folks Told, with an average rating of 3.8 out of 5.
517 approved reviews, newest moderated first
Joseph G.
Helpful information delivered promptly
Reply from AFC Home WarrantyDec 18, 2025
Thank you for sharing your feedback, Joseph. We’re glad to hear the information was helpful and delivered promptly. If there’s anything we can do to improve your experience or answer additional questions about your coverage, our team is always available to assist. We appreciate you taking the time to leave a review. Regards, AFC Home Warranty
P. A.
I am so not happy with your company. I had been advised by repairman that would order the part and would be out last Tuesday or Wednesday. No repairman and washer still broken. Called your company and was told that by a customer service representative that It would take 5 to 7 business days for a response from warranty department to approve this order parts. Due to our disability we can’t take clothes to the laundry shops. We are paying out of pocket for repair copayment and for a nice friendly friend to help us do laundry. I am really disappointed with this. Need my washing machine fixed. I guess you want me to get frustrated and go buy a new washing machine but not fix my machine or replace it.
Reply from AFC Home WarrantyDec 15, 2025
Thank you for your feedback. After a thorough review of our records, we are unable to locate an active AFC Home Warranty claim matching the situation described. The account associated with this review is scheduled to begin coverage later this month, and no service request has been submitted with AFC at this time. Based on this, the experience referenced does not appear to involve AFC Home Warranty. If assistance is needed once coverage becomes active, our team will be happy to help. Regards, AFC Home Warranty
Guy S.
I could not believe what great coverage and a low monthly fee. Kevin (the sales rep) did a great job explaining the coverage.
Reply from AFC Home WarrantyDec 18, 2025
Thank you for sharing your experience, Guy. We’re glad to hear you were pleased with the coverage options and monthly pricing, and that Kevin took the time to clearly explain everything. Making sure homeowners understand their coverage is very important to us. We appreciate you choosing AFC Home Warranty and taking the time to leave a review. Regards, AFC Home Warranty
E. W.
I’m sharing this so other homeowners understand how AFC Home Club actually operates. AFC approved a $500 plumbing reimbursement in writing, then took months to issue payment despite repeated follow-ups. During that delay, they told me the $500 approval exhausted the annual benefit, which is why they denied a separate $100 furnace repair claim. After months of excuses about processing and mailing delays, AFC finally sent a check... but it was for $100, covering the furnace claim they had already said they could not approve, instead of the approved $500 plumbing claim. That check was issued before the policy was cancelled. Only afterward did AFC claim the $500 reimbursement was “void due to cancellation.” Beyond this specific issue, consumers should understand how AFC calculates payouts. They heavily depreciate appliances and systems — including air conditioners, furnaces, washers, dryers, stoves, ovens, dishwashers, refrigerators, etc. If your home or equipment isn’t new, reimbursement amounts can be a small fraction of the actual repair or replacement cost. In one case, a nearly $1,000 repair resulted in $100 paid. (This happened more than once. Very frustrating and makes the warranty worthless.) NOTE: Not all companies do this. Make sure the one you choose doesn't pay like this. Unless your house is NEW, you'll end up paying more in premiums than they ever reimburse you for legitimate claims. In short: Claims may be approved, then delayed for months Payments can be issued for the wrong claim and wrong amount Cancellation may be used after the fact to avoid paying an approved reimbursement Depreciation makes coverage far less valuable than advertised Their own emails say: 6-8 weeks to get your check. Outrageous. I would strongly advise homeowners to read the fine print carefully and not assume AFC coverage will come close to real-world repair costs.
Reply from AFC Home WarrantyDec 17, 2025
Thank you for taking the time to share your experience. We understand how frustrating delays or confusion around reimbursements can be, and we take concerns like this seriously. AFC Home Warranty reviews each claim, approval, and payment based on the terms of the agreement in effect at the time the claim is submitted and processed. When multiple claims, benefit limits, reimbursements, or cancellations are involved, timing and sequence can impact how payments are applied. That said, we recognize that communication and clarity throughout the process are critical. We do not intentionally delay approved reimbursements or issue payments incorrectly. If there is ever a discrepancy between what was approved and what was issued, we want the opportunity to review the full claim history and resolve it appropriately. We would like to look further into the specific details of your account to ensure everything was handled in accordance with the contract and applicable guidelines. Please contact our Customer Resolution team directly at [email protected] with your agreement number so we can review this matter in full. We appreciate the feedback and the opportunity to address concerns directly. Regards, AFC Home Warranty
Walter
There’s not more to say at this point cause I just joined. But up to this point I’m extremely satisfied. And satisfied with Michael as well. If you’re what he says you are as far as how you handle your members claims; then that will be outstanding.
Reply from AFC Home WarrantyDec 18, 2025
Thank you for sharing your experience, Walter. We’re glad to hear you’ve been satisfied so far and that Michael took good care of you during the enrollment process. Our goal is to provide clear communication and dependable support for our members, especially if and when a claim is needed. We appreciate you choosing AFC Home Warranty and taking the time to leave a review. Regards, AFC Home Warranty
Neil J T.
No one has answered my question on signing up for new warranty purchased.
Reply from AFC Home WarrantyDec 15, 2025
Thank you for your feedback, Neil. After reviewing our records, we do not show any submitted service requests, claims, or unresolved questions on this new AFC Home Warranty plan. The account activity reflects enrollment and verification only, and coverage had not yet begun at the time of this review. As a result, the situation described does not appear to involve an AFC Home Warranty claim. Once coverage is active, we will be glad to assist if service is needed. Regards, AFC Home Warranty
Bill B.
Worst coverage fine print. AFC refused 2 claims for what is an integral part of fixing the problem. 1. Electrical issue - Would not cover the troubleshooting part of the process; how is the electrician supposed to know what to replace if he cant troubleshoot? 2. Washer detergent/softener drawer is broken, they would not cover that repair even though the soap/softener drawer is an integral part of the washer. If you're considering AFC, don't; what they don't tell you is the fine/hidden print. If you are a member of this rip off already, RUN AWAY and do it now. P.S. Your response confirms my complaint about the fine print. How do you justify not covering and integral part of the washer's operation? Furthermore, I have little faith in a technician who tells me that an electrical wire in the wall may be chaffed and grounding the system due to "vibration." You not covering troubleshooting to find out what to repair is pretty dumb. My review stands as written. I'm considering filing a complaint with the BBB; not that you'd make good on the problem, it would be just to alert other consumers. Thanks for nothing and the lip service.
Reply from AFC Home WarrantyDec 15, 2025
Hi Bill, thank you for sharing your feedback. We understand how frustrating it can be when a repair does not proceed as expected. For the electrical request, the licensed contractor advised the issue involved improper wiring and required additional troubleshooting and access work. Diagnostic labor tied to installation or wiring issues and access openings are standard exclusions across the home warranty industry. Regarding the washer, detergent and softener drawers are listed exclusions under appliance coverage, as they are considered non essential mechanical components. These determinations were based on the technician’s findings and the written agreement provided at enrollment. While we respect your perspective, AFC Home Warranty follows the same coverage framework used industry wide and works to explain decisions as clearly as possible. Regards, AFC Home Warranty
customer
Liked my representative- knowledgeable and factual. I felt like I got good value for what I paid.
Reply from AFC Home WarrantyDec 18, 2025
Thank you for sharing your experience. We’re glad to hear your representative was knowledgeable and factual, and that you felt you received good value. Providing clear information so homeowners can make informed decisions is important to us. We appreciate you choosing AFC Home Warranty and taking the time to leave a review. Regards, AFC Home Warranty
