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Dash Lewis is writer at ĹË˝đÁ«´«Ă˝Ół» Homefront specializing in auto warranty and auto shipping. He developed a love for driving — seeking out the windiest roads in the Blue Ridge Mountains — while living in his native North Carolina. Dash has written about the automotive industry for MarketWatch, Automoblog and Motor1. Currently, he lives in Richmond, Virginia, cycling around the city and exploring the hiking trails along the James River.
AFC Home Warranty’s best quality is its workmanship warranty, which is good for the life of your home warranty contract — the national standard for a workmanship guarantee is 30 days.
Founded in 2009, the Georgia-based company offers four warranty plans and 13 add-on options. The company offers coverage in every state except California, Hawaii and Washington.
Alongside its extensive appliance and systems coverage, AFC Home Warranty provides membership perks. It accepts claims via its 24/7 claims hotline and will assign an in-network service technician within 48 hours of receiving a claim.
We gave AFC Home Warranty 4.1 out of 5 stars after analyzing it through our in-depth review standards. AFC Home Warranty earned high marks in the workmanship guarantee and pricing sections but scored lower in the customer satisfaction and claims service sections.
We take a thorough look at each company we review by combing through its website, requesting quotes, reading sample contracts and looking at third-party review sites to learn what customers say about their experiences.
AFC offers extensive coverage options with four plans and 13 add-ons. Instead of the typical 30- or 60-day workmanship guarantee, AFC guarantees its work for the life of your home warranty contract. This can offer greater peace of mind if your home or appliances are on the older side.
Additionally, you’re not required to complete a home inspection before purchasing a plan, and you’re free to select your own technician to perform repairs if you have one you know and trust.
AFC Home Warranty members in certain states can also access its marketplace to purchase auto or homeowners insurance, home security and pet benefits. AFC also offers a $25 discount on home warranties for veterans and active U.S. service members.
AFC has a strict window for claims submissions. If you experience an issue and need to file a claim, you have up to 24 hours to do so. Waiting longer could result in claim denial.
If you’re on a tight budget and need plumbing stoppage coverage, you may be out of luck. AFC Home Warranty does offer the coverage, but only as part of its Diamond and Platinum Plans — the company’s most expensive options.
AFC Home Warranty offers comprehensive coverage but won’t repair items with preexisting conditions. If you want a larger variety of add-on perks or coverage for issues such as corrosion, we recommend comparing AFC Home Club to our other top-rated home warranty companies, including Liberty Home Guard and 2-10 Home Buyers Club.
AFC Home Warranty offers four home warranty plans. While comparing plan options on the company’s website, we were offered a $100 discount and bonus roof-leak protection. The discount and additional coverage apply when you purchase a warranty plan.
Below is a brief summary of each AFC home warranty plan:
A few other factors influence the cost and value of an AFC Home Warranty warranty plan. These include the following:
The table below highlights what each warranty plan covers:
While secret shopping, we found that AFC Home Warranty offers a few add-on options to its warranty coverage — 13 in total. One additional option, the electronics coverage package, has two deductibles that apply to different covered items.
AFC’s add-on coverage includes the following:
If you’re considering AFC Home Warranty , be sure to note what the company excludes from its coverage. We combed through sample contracts for each AFC Home Warranty plan to learn what isn’t covered. Some of the listed exclusions are the following:
AFC Home Warranty offers three service call price options. You can choose to pay $75, $100 or $125 per service call. If you have room in your budget, choose a higher fee to lower your monthly cost.
Using the free tool on the company’s website, I requested quotes for each AFC Home Warranty plan. The cost data below is for a 2,700-square-foot, single-family home in Tucson, Arizona. Your pricing will differ based on your location, home size and selected plan.
AFC Home Warranty currently holds a from the Better Business Bureau (BBB) and a customer review average of 2.9 out of 5 stars. BBB cites the more than 140 complaints filed against AFC Home Warranty as the reason for its rating. The company holds a slightly higher customer rating on Trustpilot, with .
Customers who report positive experiences with AFC mention speedy service and excellent communication with representatives. A June 2023 review from Brett L. on Trustpilot praises AFC Home Warranty for its prompt dispatching of a technician.
Negative reviews note the complex fine print in contracts and confusion about what is and isn’t covered. Shawn M. left a 1-star review on Trustpilot in April 2023, stating that an AFC Home Warranty technician botched a repair, and the company refused to cover it.
There’s a 30-day waiting period when you purchase a home protection plan, so you won’t be able to file a claim until the 31st day. The first section in your plan contract outlines your coverage’s requirements and limitations. Before filing a claim, read your contract in full to ensure you know exactly how to use your home warranty.
You can get a solid sense of what your coverage plan entails by reading the sample contracts AFC Home Warranty provides on its website, but it’s always a good idea to fully read your specific contract before filing a claim. Here are the sections you should pay closest attention to:
AFC’s claims process is relatively simple. There are two methods for filing a claim: a 24/7 service request hotline and an online claims portal. Once you file your service request, AFC will dispatch a technician to your home within 24 hours. In most cases, you’ll need to pay a service fee. The technician will diagnose the problem and contact AFC to determine if the issues can be covered under your warranty plan.
If approved, the technician will repair or replace the covered item. They will contact you to make sure the work was completed and done to your satisfaction.
It’s important to note that you should contact AFC the moment you discover an issue with an appliance or system. You should also promptly take any necessary steps to prevent secondary damage — including shutting off water to prevent further leaks or discontinuing the use of a broken appliance.
AFC Home Warranty offers one-year and three-year coverage contracts. Your coverage begins 30 days after purchasing the plan. One-year plans last for 365 days from your sign-up date, while three-year plans last 1,095 days. However, if your warranty plan comes bundled with the purchase of your home, coverage may start immediately. When it comes time to renew, AFC Home Warranty will contact you 30 days before the renewal date.
You can cancel an AFC Home Warranty plan at any time for a prorated refund, though you’ll have to pay a $75 cancellation fee. If you cancel within the first 30 days, you won’t be charged the cancellation fee, and you’ll receive a full refund.
Should you have a dispute with AFC Home Warranty , we recommend taking the steps below to reach a resolution.
We always recommend researching multiple companies before selecting a home warranty company. See how AFC stacks up against Liberty Home Guard and 2-10 Buyers Home Warranty.
We chose Liberty Home Guard (LHG) as our top home warranty company, rating it 4.6 out of 5 stars based on our review methodology. LHG offers 42 add-on options and has an impressive reputation among its customers. But unlike AFC — which has an unlimited repair guarantee — LHG extends a 60-day repair guarantee and does not cover appliances with preexisting conditions, including rust, corrosion or sediment damage.
If budget is a concern, you may want to consider 2-10 Home Buyers Warranty. We picked 2-10 as the top most affordable home warranty provider because of its low premiums and service fees. Despite its low pricing, averaging $45 for monthly premiums, the company offers three plans and 15 add-ons. However, 2-10 does not offer major system coverage in its base plan.
AFC Home Warranty’s coverage options are highly customizable. In addition to four robust warranty plans, the provider offers a wide range of add-on coverage options, including for sump pumps, stand-alone freezers and home electronics.
However, it’s tough to take advantage of AFC’s perks without purchasing one of its two most expensive plans, Diamond or Platinum. To ensure you’re getting the best price for the coverage you need, we recommend comparing quotes from at least three different providers before deciding on a contract.
You can use for a quick personalized quote.
We research and rate home warranty providers to help you choose the right one for your budget and home. Our research includes gathering customer insights via consumer surveys, interviewing industry experts, secret shopping all of the companies we review and analyzing customer reviews from third-party review sites such as Trustpilot and BBB.
We compare home warranty providers across the following five categories:
Read our full home warranty company methodology for more information.
BBB and Trustpilot ratings are accurate as of January 2024.
Editorial note: The name “Homefront” refers to the alliance between ĹË˝đÁ«´«Ă˝Ół» and Home Solutions that publishes review, comparison, and informational articles designed to help ĹË˝đÁ«´«Ă˝Ół» readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics.
Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information.
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