{"id":323739,"date":"2025-11-07T23:42:04","date_gmt":"2025-11-08T04:42:04","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=127957"},"modified":"2025-11-07T23:42:04","modified_gmt":"2025-11-08T04:42:04","slug":"afc-home-club-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/home-warranty\/afc-home-club-review\/","title":{"rendered":"AFC Home Club Home Warranty Review"},"content":{"rendered":"\n\n <\/span>\n \n\n\n

AFC Home Club is a home warranty provider offering plan-based help with the cost to repair or replace covered home systems and appliances. Its current lineup includes four tiers\u2014Silver (appliances), Systems, Gold (combo), and Platinum (expanded combo)\u2014with optional add-ons such as roof-leak repair, well\/septic, sump pump, pool\/spa, stand-alone freezer\/ice maker, and more (AFC coverage comparison<\/a>). Contemporary quotes from major outlets place monthly premiums commonly in the ~$35\u2013$75+ range depending on plan, state, home details, add-ons, and your chosen service call fee (Forbes Advisor<\/a>; This Old House<\/a>). Where AFC Home Club<\/a> continues to stand out is its ability to let you choose your own licensed contractor (with approval) and its workmanship guarantee that lasts for the remainder of your plan term\u2014far longer than the 30\u201360 day recall windows common across the industry (AFC<\/a>; U.S. News 360 Reviews<\/a>). A standard ~30\u2011day waiting period applies before new claims are eligible, and many covered items carry per\u2011item caps often cited around $3,000\u2014verify exact limits in your state contract (U.S. News<\/a>; This Old House<\/a>).<\/p>\n\n\n\n

AFC Home Club <\/strong>Overview<\/strong><\/h2>\n\n\n\n

\u25cf      Plan types: Platinum, gold, silver, and system (four core tiers; see AFC plan comparison<\/a>)<\/p>\n\n\n\n

\u25cf      Pricing: Quote-based; recent testing places typical monthly premiums around ~$35\u2013$75+ depending on plan, location, add-ons, and selected service fee (Forbes Advisor<\/a>; This Old House<\/a>)<\/p>\n\n\n\n

\u25cf      Service fees: $75, $100 or $125 per claim (you choose; lower fees generally increase the premium) (U.S. News<\/a>)<\/p>\n\n\n\n

\u25cf      Workmanship guarantee: Life of the plan term on covered repairs (significantly longer than many competitors) (AFC<\/a>; U.S. News<\/a>)<\/p>\n\n\n\n

\u25cf      Contract length: 1 year or 3 years<\/p>\n\n\n\n

\u25cf      BBB rating: B (as of 2025; see BBB profile<\/a>)<\/p>\n\n\n\n

\u25cf      Home inspection required? No; a standard ~30\u2011day waiting period applies before claims are eligible (AFC FAQs<\/a>)<\/p>\n\n\n\n

\u25cf      States served: 49 states; not available in California or Hawaii (verify availability<\/a>; Forbes Home<\/a>)<\/p>\n\n\n\n

\u25cf      Available appliance and system coverage: By plan (appliances-only, systems-only, combo, expanded combo) with add-ons like roof-leak repair, well\/septic, sump pump, pool\/spa, additional fridge\/freezer\/ice maker, and central vacuum; per\u2011item limits and sub\u2011limits apply and vary by state\/contract (often cited around $3,000 per item; roof\u2011leak add\u2011on commonly capped separately) (AFC coverage<\/a>; U.S. News<\/a>; This Old House<\/a>)<\/p>\n\n\n\n

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Plan Type<\/td>Platinum Plan<\/td>Gold Plan<\/td>Silver Plan<\/td>System Plan<\/td><\/tr>
Monthly Premiums<\/td>Quote-based; typically ~$35\u2013$75+ monthly depending on location, plan, add-ons, and chosen $75\/$100\/$125 service fee (Forbes<\/a>; This Old House<\/a>)<\/td>Quote-based; typically ~$35\u2013$75+ monthly depending on location, plan, add-ons, and chosen $75\/$100\/$125 service fee (Forbes<\/a>; This Old House<\/a>)<\/td>Quote-based; typically ~$35\u2013$75+ monthly depending on location, plan, add-ons, and chosen $75\/$100\/$125 service fee (Forbes<\/a>; This Old House<\/a>)<\/td>Quote-based; typically ~$35\u2013$75+ monthly depending on location, plan, add-ons, and chosen $75\/$100\/$125 service fee (Forbes<\/a>; This Old House<\/a>)<\/td><\/tr>
Appliances Covered<\/td>Clothes dryer, clothes washer, kitchen refrigerator, ice maker, oven, range, stove\/cooktop, dishwasher, garbage disposal, garage door opener, built-in microwave (see AFC coverage<\/a>)<\/td>Clothes dryer, clothes washer, kitchen refrigerator, oven, range, stove\/cooktop, dishwasher, garbage disposal, garage door opener, built-in microwave (Gold combines Silver + core systems; see AFC coverage<\/a>)<\/td>Clothes dryer, clothes washer, kitchen refrigerator, oven, range, stove\/cooktop, dishwasher, garbage disposal, garage door opener, built-in microwave (see AFC coverage<\/a>)<\/td>None<\/td><\/tr>
Systems Covered<\/td>Air conditioning\/cooler, heating systems, water heater, electrical system, plumbing system, plumbing stoppages, ductwork (see AFC coverage<\/a>)<\/td>Air conditioning\/cooler, heating systems, water heater, electrical system, plumbing system, ductwork (see AFC coverage<\/a>)<\/td>None<\/td>Air conditioning\/cooler, heating systems, water heater, electrical system, plumbing system, ductwork (see AFC coverage<\/a>)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Who is this best for? <\/h3>\n\n\n\n

AFC Home Club fits homeowners who want to choose their own licensed technician (with prior authorization) and value a workmanship guarantee that lasts for the life of the plan term\u2014longer than the 30\u201360 day recall windows that many providers use (AFC<\/a>; U.S. News<\/a>). It\u2019s a practical match for newer or well\u2011maintained homes because AFC excludes preexisting conditions and has an initial ~30\u2011day waiting period (U.S. News<\/a>; FTC guidance<\/a>). If you want $0 service call fees or coverage for unknown preexisting conditions, consider competitors whose contracts explicitly include those features (e.g., American Home Shield<\/a> covers certain undetectable preexisting issues per plan\/state; Complete Protection<\/a> markets $0 deductibles and flexible contractor choice).<\/p>\n\n\n\n

Pros<\/strong><\/h3>\n\n\n\n