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AFC Home Club is a home warranty provider offering financial protection against expensive repairs and replacement for the systems and appliances in your home. With four different plan options and customizable add-ons available, you’ll find the coverage you need for your home and appliances. However, where AFC Home Club really stands out is its workmanship guarantee, which means work is protected for the life of the plan, much longer than guarantees of as little as 60 days offered by competitors.
AFC Home Club Overview
● Plan types: Platinum, gold, silver, and system
● Pricing: By quote
● Service fees: $75, $100 or $125
● Workmanship guarantee: Life of the plan
● Contract length: 1 year or 3 years
● BBB rating: B
● Home inspection required? No
● States served: All except Hawaii, California, South Carolina and Nevada
● Available appliance and system coverage: By plan; can be covered independently or together
| Plan Type | Platinum Plan | Gold Plan | Silver Plan | System Plan |
| Monthly Premiums | N/A | N/A | N/A | N/A |
| Appliances Covered | Clothes dryer, clothes washer, kitchen refrigerator, ice maker, oven, range, stove/cooktop, dishwasher, garbage disposal, garage door opener, built-in microwave | Clothes dryer, clothes washer, kitchen refrigerator, oven, range, stove/cooktop, dishwasher, garbage disposal, garage door opener | Clothes dryer, clothes washer, kitchen refrigerator, oven, range, stove/cooktop, dishwasher, garbage disposal, garage door opener | None |
| Systems Covered | Air conditioning/cooler, heating systems, water heater, electrical system, plumbing system, plumbing stoppages, ductwork | Air conditioning/cooler, heating systems, water heater, electrical system, plumbing system, ductwork | None | Air conditioning/cooler, heating systems, water heater, electrical system, plumbing system, ductwork |
Who is this best for?
AFC Home Club is a great choice for homeowners who plan to spend a long time in their current home. It’s best for newer homes where there isn’t much of a concern about potential preexisting conditions.
Pros
- Long workmanship guarantee: Work is guaranteed for the life of the plan, longer than any of AFC Home Club’s competitors.
- Flexible contract periods: Choose between contract lengths of one or three years; contracts are transferable if you move.
- No inspection required: You can sign up for service without needing a home inspection.
Cons
- No preexisting condition coverage: AFC Home Club’s plans don’t cover known or unknown preexisting conditions.
- Less customizable: While AFC Home Club’s plans are customizable, there are fewer ways to do so than with some competitors.
The Competition
| AFC Home Club | American Home Shield | Complete Protection | Cinch | ||
| States served | 46 | 49 | 45 | 48 | |
| Reviews.com rating | 3.77 | 3.80 | 4.32 | 3.83 | |
| Service fee | $75, $100, or $125 | $75, $100 or $125 | $0 | N/A | |
| Workmanship guarantee | Life of plan | 2 months | Not specified | 180 days | |
| Customizable? | Yes | Yes | Yes | No | |
| Other | · 4 plans offered· No coverage for preexisting conditions | · 4 plans offered· No coverage for preexisting conditions | · 4 plans offered· Coverage for unknown preexisting conditions | · 3 plans offered· Coverage for unknown preexisting conditions |
*All information accurate as of Feb. 8, 2020.
AFC Home Club compared to American Home Shield
AFC Home Club and American Home Shield offer similarly structured warranty plans with identical service fees. However, American Home Shield’s Build Your Own Plan is more flexible than anything AFC Home Club has to offer, allowing you to choose 10 or more items to cover in your home. This is ideal for homeowners on a budget or who don’t own many appliances. However, AFC Home Club’s lifetime workmanship guarantee far outruns the 60-day guarantee included with American Home Shield plans, which is fairly short for the industry. Finally, homeowners in 49 out of 50 states can purchase an American Home Shield plan, while only 46 states are covered by AFC Home Club.
AFC Home Club compared to Complete Protection
The biggest difference between AFC Home Club and Complete Protection is the service fee structure. AFC Home Club charges $75 and up for each visit, while Complete Protection offers a $0 service fee. The competitor also provides coverage for unknown preexisting conditions, something which isn’t offered by AFC Home Club. It’s safe to say that Complete Protection may be a better choice if you live in an older home with systems and appliances that frequently break down. However, if your home and its contents are newer, AFC Home Club provides more than enough coverage and may even help you save money if you don’t need frequent service calls.
The Bottom Line
AFC Home Club offers broad coverage for your home’s systems and appliances and gives you peace of mind with a life-of-plan workmanship guarantee. You’ll find great added value for a price that aligns with industry standards. Just make sure to take inventory of the appliances and systems in your home to see if they match up with AFC Home Club’s coverage and compare quotes with other more flexible providers before making a final decision.
About the Authors
Lisa Melillo is a personal finance writer for Reviews.com. Over the past seven years, she’s covered insurance, travel, and home-related topics for a variety of online publications and businesses.
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