AFC Home Warranty is one of the most well-known companies in the home warranty industry, landing a spot on our best home warranty companies list. The company boasts four plans, with one mainly covering appliances and the rest combining coverage for various appliances and systems. As part of our research, we evaluated pricing, nationwide availability, plan coverage and customer sentiments. We used our Consumer Sentiment Index for the last metric and evaluated more than 140,000 customer insights. Like many home warranty companies, reviews were mixed to negative, with service response time being a brighter spot and contract terms and conditions seeming to be a sticking point.
Below we evaluate all of this and more to give you a better understanding of how AFC Home Warranty stacks up against competitors and how it earned its rating of 4.2 out of 5 stars.
Pros
- Four plan options
- Flexible plan terms
- Customers can choose technicians
Cons
- Not available in California, Hawaii or Washington
- $75 cancellation fee
Table of Contents
- AFC Home Warranty: An Overview
- AFC Home Warranty Availability
- AFC Home Warranty Reviews and Experience
- How Much Does AFC Home Warranty Cost?
- AFC Home Warranty Plans Breakdown
- The Fine Print
- Reasons to Choose AFC Home Warranty
- Reasons Not to Choose AFC Home Warranty
- AFC Home Warranty vs. Competitors
- Bottom Line: Who Is AFC Home Warranty Good for?
- Methodology: How We Rated Home Warranty Companies
AFC Home Warranty: An Overview
AFC Home Warranty is a home warranty company with 15 years of experience in the business. Based in Marietta, Georgia, it offers a variety of plans to help homeowners protect their appliances and systems from basic repairs and replacements due to wear and tear. The plan is available in most states (aside from Hawaii, California and Washington). AFC allows customers to choose their own technicians, which can be a major plus.
This home warranty provider offers four different plans with a long list of add-ons, so you have a wide range of options to ensure your home is covered with a plan best suited for you. Plans start at around $41, which is a bit higher than average, and the cancellation and service fees can also be on the higher side. It’s also important to know that this company doesn’t cover any known or unknown preexisting conditions. AFC Home Warranty also has a coverage cap of $3,000 per covered item.
Featured Partners
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Select Home Warranty
Plans Available
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Response Time
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Number of States
46 + District of Columbia
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Plans Available
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Response Time
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Number of States
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American Home Shield
Plans Available
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Response Time
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Number of States
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AFC Home Warranty Availability
AFC Home Warranty is available in 47 states, with Hawaii, California and Washington being the only states it does not serve.
AFC Home Warranty Reviews and Experience
Most home warranty companies have mixed reviews from customers, and AFC Home Warranty is no exception. The company scored fairly low on our consumer sentiment index with a 2.2 rating. It ranked No. 7 out of 10 for attributes like Coverage and Exclusions, Service and Response Times and Reputation and Customer Reviews, making it slightly below average in those areas.
Reviews are a bit better but still fairly mixed on sites like the Better Business Bureau, where it currently has a B rating and 3.35 stars. It has a 2.5 rating on Consumer Affairs. We recommend looking into local reviews to get a more complete picture and asking the company about any specific concerns.
How Much Does AFC Home Warranty Cost?
You can choose from a few different plans from AFC Home Warranty. We’ve listed the starting monthly cost for the four plans below. You should note that these are just estimates, so you should always get a unique quote from any company you’re considering. We’ve also listed the service fee range below, which is $75 to $125 for all plans from AFC Home Warranty. You’ll pay this fee every time a pro visits your home.
| SILVER | GOLD | PLATINUM | DIAMOND | |
|---|---|---|---|---|
| Cost Per Month | $41.00+ | $59.92+ | $61.72+ | $92.08+ |
| Service Fees | $75 - $125 | $75 - $125 | $75 - $125 | $75 - $125 |
AFC Home Warranty Plans Breakdown
AFC Home Warranty Offers four different plans, giving you plenty of options to help you find the best one for your home.
- The Silver Plan starts at $41 and mainly covers kitchen appliances (like a fridge, oven and stove) as well as your washer and dryer, for a total of nine items.
- The Gold Plan is your next step up with AFC Home Warranty. Starting at around $60, this plan covers everything in the Silver plan, along with systems like your electrical, plumbing and ductwork, for a total of 15 coverage items.
- The Platinum Plan is your next option, which starts at around $62. It adds to the coverage of the Gold Plan with features like coverage for plumbing stoppages, faucets and built-in microwaves.
- The Diamond Plan is AFC Home Warranty’s most comprehensive plan. It starts around $92 and adds to the coverage above with smartphone and exterior sewer and water line coverage.
| FEATURE | SILVER | GOLD | PLATINUM | DIAMOND |
|---|---|---|---|---|
| Washer | Yes | Yes | Yes | Yes |
| Dryer | Yes | Yes | Yes | Yes |
| Fridge | Yes | Yes | Yes | Yes |
| Oven | Yes | Yes | Yes | Yes |
| Cooktop | Yes | Yes | Yes | Yes |
| Stove | Yes | Yes | Yes | Yes |
| Dishwasher | Yes | Yes | Yes | Yes |
| Garbage disposal | Yes | Yes | Yes | Yes |
| Garage door opener | Yes | Yes | Yes | Yes |
| Water heater | No | Yes | Yes | Yes |
| Air conditioning | No | Yes | Yes | Yes |
| Heating systems | No | Yes | Yes | Yes |
| Electrical systems | No | Yes | Yes | Yes |
| Plumbing systems | No | Yes | Yes | Yes |
| Ductwork | No | Yes | Yes | Yes |
| Plumbing stoppages | No | No | Yes | Yes |
| Faucets | No | No | Yes | Yes |
| Built-in microwave | No | No | Yes | Yes |
| Fans | No | No | Yes | Yes |
| Smartphones | No | No | No | Yes |
| Exterior sewer lines | No | No | No | Yes |
| Exterior water lines | No | No | No | Yes |
Optional Add-Ons
- In-Ground Pool
- In-Ground Spa
- Septic System
- Sump Pump
- Well Pump
- Stand-Alone Freezer
- Roof Leak Coverage
- Electronics
The Fine Print
It’s important to review your contract carefully should you decide to go with AFC Home Warranty. You can also review a sample contract before making your decision. To help start your research, we reviewed the sample contract on AFC Home Warranty’s site and pulled out the following details.
Coverage Limits
Each covered item in your contract will have limitations both in terms of the maximum amount a repair can cost and the type of repair and situations that are covered by your warranty. For instance, the sample contract notes that AFC will cover $5,000 worth of covered repairs for internal electric work per membership period and things like low-voltage wiring, DC wiring, circuit overload, inadequate wiring, aluminum wiring, faceplates, fixtures, switches, wire tracing, power outages, troubleshooting, modifications and code violations will not be covered.
Cancellations
The sample contract outlines the company’s cancellation policy, stating that customers must send a signed letter to the company to request a cancellation. There are other state-specific restrictions or rules around cancellation, so we recommend reading through them carefully.
Reasons to Choose AFC Home Warranty
AFC Home Warranty offers four plans, more than any other company on our best home warranty companies list. We always appreciate when companies allow their customers to choose their own technicians, which gives AFC Home Warranty a big advantage in our book. We also like that customers can opt for a month-to-month contract.
Reasons Not to Choose AFC Home Warranty
AFC Home Warranty doesn’t offer coverage in every state, so if you live in California, Washington or Hawaii, you’re out of luck. Its plans can be on the higher side, as can its $75 cancellation fee. AFC Home Warranty doesn’t cover any preexisting conditions.
AFC Home Warranty vs. Competitors
Bottom Line: Who Is AFC Home Warranty Good for?
AFC Home Warranty is a good choice for customers outside of Hawaii, Washington and California who want a comprehensive home warranty option. It’s best for those who want combined coverage for systems and appliances and who want to choose their own technicians.
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Methodology: How We Rated Home Warranty Companies
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 52 plans, with each company’s star rating determined by evaluating a variety of metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features, property coverage, consumer sentiment insights, customer support options and nationwide availability.
You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.
Frequently Asked Questions (FAQs)
What are AFC Home Warranty’s coverage exclusions?
The company has a coverage cap of $3,000 per covered item and won’t cover things like rust or corrosion, mold issues, pest damage or damage due to misuse. For all coverage limits, check your contract.
How much is the AFC Home Warranty service fee?
AFC Home Warranty’s service fee can range from $75 to $125.
What is the waiting period for AFC Home Warranty?
AFC Home Warranty has a 30-day waiting period for coverage.
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