Quick Facts
Score Breakdown
Final Score: 86.0/100 (8.6 normalized)
Overview
AFC Home Club (America's First Choice) takes a different approach than the competition: you can use any licensed, insured contractor of your choosing rather than only a network technician. AFC reimburses you up to its negotiated rate, which is a meaningful perk if you already have a trusted handyman or HVAC company.
AFC has been in business since 2009, offers four plan tiers, and lets customers choose their service-call fee at signup.
Plans & Coverage
- Silver: Basic appliance-focused coverage — refrigerator, oven, dishwasher, washer/dryer, and a few systems.
- Gold: Adds key home systems — HVAC, electrical, plumbing, and water heater.
- Platinum: Adds plumbing stoppages, ice makers, faucets, and built-in microwaves.
- Diamond: Includes everything plus electronics protection and unlimited refrigerant — top-tier plan launched in 2025.
Pricing
AFC's plans range from about $42/month (Silver) to $63/month (Diamond). The customer-chosen service fee — $75, $100, or $125 — adjusts the monthly premium up or down. Three-year plans are the cheapest path to the lowest effective rate.
Claims Process
Claims are accepted 24/7. AFC's contractor-of-choice option means scheduling can be as fast as you can reach your own technician; for network calls, average dispatch is 24–48 hours.
Customer Service
AFC scores well on long-term customer satisfaction, in part because of the workmanship-for-life guarantee and the flexibility to use trusted contractors. The phone support team is U.S.-based.
Pros & Cons
Pros
- Use any licensed contractor
- Choose your own service-call fee
- Workmanship guarantee for life of the plan
- 3-year plans available with discount
- Available in all 50 states
Cons
- Lower-tier Silver plan has narrower coverage
- Reimbursement model requires you to pay first
- Slower in-network claim dispatch in some regions
What Customers Are Saying
AFC averaged 4.3/5 in our review. Customers love the contractor-choice flexibility; complaints typically center on the upfront-payment-then-reimbursement model.
Bottom Line
AFC Home Club is the right choice for homeowners who already have a trusted local technician and want a warranty that works around them, not the other way around. The flexible service fee is a nice extra.