\n<\/p>\n
Quick Facts<\/strong><\/button><\/p>\nPros & Cons<\/strong><\/button><\/p>\nMy Verdict<\/strong><\/button><\/p>\n\n\n\n\n\n<\/svg><\/span>AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from such coverage.\u00a0<\/span><\/div>\n<\/svg><\/span>This provider offers a nice range of discounts, four base plans, and three service fee options. That gives you far more control over your monthly premium cost than most providers who may offer one to two plans or service fees and not nearly as many discounts. I recommend calling for the best deal, and AFC offers a $250 discount when you do.\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n\n\n<\/svg><\/span>AFC Home Club has low coverage caps. Some appliances, such as your refrigerator, ice maker, or standard thermostat, receive between $80 and $500 in protective coverage. These financial limits are too low, especially for items like refrigerators, which are expensive. It\u2019s not enough protection to ease my worries about the company paying for a complete replacement if I need a new fridge.\u00a0<\/span><\/div>\n<\/svg><\/span>Many customer reviews complained about claims process issues and about being denied based on \u201cscammy\u201d exclusions. Some of this may be because of AFC Home Club\u2019s extensive number of exclusions, so read the fine print of your policy closely before choosing this provider.\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\nAFC Home Club isn\u2019t my favorite home warranty provider because of its low coverage caps, high number of exclusions, complaints about claim denials, and poor reimbursement rates. All of these are enough to make me want to steer clear. One of my biggest priorities is having a home warranty policy that doesn\u2019t require maintenance records and offers plenty of coverage for replacements. However, homeowners looking for benefits like electronics coverage or add-on protections for limited roof leaks, a double oven, and a hot water dispenser may enjoy this provider\u2019s service.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\nEstablished in Marietta, Georgia, in 2009, AFC Home Warranty has a solid reputation with a B rating and accreditation from the Better Business Bureau (BBB).\u00a0 However, customer complaints about claim denials and low reimbursement rates give home warranty shoppers reason to pause.<\/p>\nIn this guide, I\u2019m diving into the good, the bad, and the ugly about AFC Home Club \u2014 where it shines and where its chief downfalls lie. In the end, you will have a nuanced look at the provider as a whole. I won\u2019t hold back on any criticisms so you have an unbiased look at AFC Home Club. Having a solid home warranty is integral to protecting yourself financially when your appliances and systems fail. You can decide whether this is the right provider for you.<\/p>\nIn addition to my secret shopping and intense research, we scored AFC Home Club using Today\u2019s Homeowner\u2019s proprietary review criteria, which include plans and coverage, affordability, customer experience, company reputation, claims process, and availability.<\/p>\n\n\nWhy Trust Us?<\/p>\nHere\u2019s how we ranked and reviewed the nation\u2019s top home warranty companies to bring you the most accurate information.<\/p>\n<\/div>\n\n\n\n76<\/p>\n\n\ncompanies reviewed<\/span> information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 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M12.1430473,23.1473072 C12.1332178,23.1423925 12.1221763,23.1452606 12.1156365,23.1525954 L12.1099173,23.1665331 L12.0757714,23.7811639 C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-855135ce\">\n<p class=\"gb-headline gb-headline-c774fe11 gb-headline-text\">Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-8c16dcf2\">\n<div class=\"gb-container gb-container-8c16dcf2\">\n<p>152<\/p>\n<div class=\"gb-container gb-container-addedde8 gb-accordion\">\n<div class=\"gb-container gb-container-80c16dcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-eefbc2e8 gb-accordion__toggle\"><span class=\"gb-button-text\">quotes collected<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 L12.4804777,23.8096931 L12.4953491,23.8136134 L12.4953491,23.8136134 L12.5071152,23.8096931 L12.6106902,23.7357139 L12.6232938,23.7196733 L12.6232938,23.7196733 L12.6266527,23.7031097 L12.609561,23.275831 C12.6075724,23.2657013 12.6010112,23.2592993 12.5934901,23.257841 L12.5934901,23.257841 Z M12.8583906,23.1452862 L12.8445485,23.1473072 L12.6598443,23.2396597 L12.6498822,23.2499052 L12.6498822,23.2499052 L12.6471943,23.2611114 L12.6650943,23.6906389 L12.6699349,23.7034178 L12.6699349,23.7034178 L12.678386,23.7104931 L12.8793402,23.8032389 C12.8914285,23.8068999 12.9022333,23.8029875 12.9078286,23.7952264 L12.9118235,23.7811639 L12.8776777,23.1665331 C12.8752882,23.1545897 12.8674102,23.1470016 12.8583906,23.1452862 L12.8583906,23.1452862 Z M12.1430473,23.1473072 C12.1332178,23.1423925 12.1221763,23.1452606 12.1156365,23.1525954 L12.1099173,23.1665331 L12.0757714,23.7811639 C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9b418bbf\">\n<p class=\"gb-headline gb-headline-e4fc7235 gb-headline-text\">We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-e928fcce\">\n<div class=\"gb-container gb-container-e928fcce\">\n<p>6<\/p>\n<div class=\"gb-container gb-container-065b1b7a gb-accordion\">\n<div class=\"gb-container gb-container-70fc3e42 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9d4e4cfe gb-accordion__toggle\"><span class=\"gb-button-text\">rating factors<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 L12.4804777,23.8096931 L12.4953491,23.8136134 L12.4953491,23.8136134 L12.5071152,23.8096931 L12.6106902,23.7357139 L12.6232938,23.7196733 L12.6232938,23.7196733 L12.6266527,23.7031097 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Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3e6b7d8f\">\n<p class=\"gb-headline gb-headline-0a32b967 gb-headline-text\">Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"has-text-align-right\">For more information, check out our <a href=\"https:\/\/todayshomeowner.com\/home-warranty-methodology\/\">Home Warranty Methodology<\/a> page.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-afc-home-club-best-additional-benefits\">AFC Home Club: Best Additional Benefits<\/h2>\n<div class=\"gb-container gb-container-8baa4572\">\n<div class=\"gb-container gb-container-ea9f0352 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-e482a7a1 gb-button-text gb-tabs__button gb-block-is-current\">What I Like About AFC Home Club<\/button><\/p>\n<p><button class=\"gb-button gb-button-722d522f gb-button-text gb-tabs__button\">What I Don\u2019t Like About AFC Home Club<\/button><\/p>\n<div class=\"gb-container gb-container-3b162802 gb-tabs__items\">\n<div class=\"gb-container gb-container-03a33476 gb-tabs__item gb-tabs__item-open\">\n<p>AFC Home Club has its Club Benefits program built into all its plans. Benefits include deals and discounts on credit monitoring, auto insurance, homeowners insurance, total electronics coverage, vision insurance, pet benefits, and more \u2014 all uncommon coverages in this industry. I like that the company has four base plans, ranging from budget-friendly ($43.50 per month) to the upscale Diamond Plan ($97.50 a month). While more expensive, the Diamond Plan has built-in electronics coverage for water damage, drops, and other problems for many home electronics, like entertainment systems, TVs, laptops, tablets, smartphones, and more.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-b5d24608 gb-tabs__item\">\n<p>According to AFC\u2019s sample policy for its Platinum Plan, the company requires a prior annual maintenance record from a licensed technician for some repairs. This stipulation means you won\u2019t receive coverage if you fail to have regular maintenance check-ups with a licensed technician or don\u2019t follow through with their repair or maintenance suggestions. This is a giant pain, especially when dealing with a broken-down HVAC system on a cold or hot day as you scramble to get ahold of these records.\u00a0<\/p>\n<p>Another drawback is AFC Home Club\u2019s sample policies list many exclusions and low coverage caps, like a limit of $500 per membership term, which is one to three years, depending on the plan, for your septic system. This coverage is lackluster and insufficient to cover the <a href=\"https:\/\/todayshomeowner.com\/plumbing\/cost\/septic-tank-installation-cost\/\">cost of replacing a septic system<\/a>. Plus, items like the septic line from your home and a system clean-out aren\u2019t covered, so you\u2019re still left to pay part of the bill. Another con is AFC\u2019s lack of emergency services and its policy of being closed on nationally recognized holidays. That leaves you without service when your dishwasher breaks down on Thanksgiving or Christmas.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Bottom Line: 8.5\/10<\/h2>\n<p>If you think you would get a lot of use from AFC Home Club\u2019s large number of Club Benefits, such as discounts and deals on credit monitoring, homeowners insurance, total electronics coverage, vision insurance, and pet benefits, then this may be a solid provider for you. However, it wouldn\u2019t be my top choice because of its extensive list of exclusions. None of these exclusions are unheard of in the industry, but the large quantity of them makes it challenging to assess what is and isn\u2019t covered and makes it easier for AFC to deny your claim \u2014 something that customers brought up repeatedly in reviews. Some of these exclusions are system mismatches, lack of appliance capacity, and keeping up with system and appliance maintenance. For example, if you don\u2019t keep up with yearly maintenance on your HVAC system by a licensed technician and don\u2019t follow suggested repairs, you could be denied a later claim because you didn\u2019t maintain the appliance properly.\u00a0<\/p>\n<p>However,\u00a0 AFC Home Club delivers fair pricing, with its least expensive appliance-only plan costing around $43 a month without discounts. With discounts, this plan costs close to $36 per month, which is affordable compared to the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\">average home warranty price<\/a> ($50 or more nationwide). You can save $168 a year if you select the discounted appliance-only plan. On top of that, AFC Home Club\u2019s add-ons are reasonably priced, with most costing less than $15 per month. That\u2019s much more affordable than plans from providers like Liberty Home Guard, whose add-that average $20 to $25 per month.<\/p>\n<p><strong>The bottom line: <\/strong>I like AFC Home Club for its impressive and unique Club Benefits and its comprehensive electronics plan (especially as someone working from home). But the company\u2019s low coverage caps give me pause. For example, it only pays up to $150 per membership term for your ductwork, garbage disposal, or range exhaust per their sample policy for Platinum Plan members. This isn\u2019t much for significant repairs. Plus, the most comprehensive plan, the Diamond Plan, wasn\u2019t available in all ZIP codes when I was secret shopping.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Plans and Coverage\u00a0<\/h2>\n<h3 class=\"wp-block-heading\">8.1\/10<\/h3>\n<p>AFC Home Club has an unusual number of plan options (a total of four, more than most providers who offer two to three options). You\u2019ll find an appliance-only plan, a systems plan, a comprehensive plan covering both, plus the Diamond Plan, which covers 18 systems, appliances, and electronics. The electronics component of this plan is rare within the industry and covers items like your smartphone, laptops, monitors, home entertainment products, tablets, and smart devices like Alexa, Google Home, and smartwatches. This is something I\u2019ve only seen a few providers offer as an add-on, but it is seldom included in a plan.<\/p>\n<p>If I chose AFC Home Club for my home, I\u2019d go for the Diamond Plan. It has a total electronics plan that covers water damage, drops, and functional issues \u2014 all things that cost hundreds or even thousands of dollars to replace if you drop your TV or laptop. As someone who works from home and relies on a laptop, I find this coverage priceless. During my secret shopping, I found that the Diamond Plan wasn\u2019t available in some areas, such as parts of Alaska, so double-check that this plan is available in your area first.\u00a0<\/p>\n<p>The following monthly costs don\u2019t include the available discounts.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Silver Plan<\/em><\/td>\n<td><em>$43.50<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Gold Plan<\/em><\/td>\n<td><em>$58.08<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Platinum Plan<\/em><\/td>\n<td><em>$62.92<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Diamond Plan<\/em><\/td>\n<td><em>$97.50<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Nashville, TN. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>I especially like AFC\u2019s add-on options, including electronics and double-oven coverage, which cost around $25 and $2 per month, respectively. The limited roof-leak coverage is a steal because it only costs $25 a year (about $2 per month). Compare that to the protection of another reputable home warranty company, Elite Home Warranty, which charges $99.99 per year ($8.33 per month) for similar protection. Roof-leak coverage is critical for many homeowners because rain, snow, and heavy wind can all wear down your roof, leading to leaks and eventual water damage in your home. AFC\u2019s add-on menu includes:<\/p>\n<ul>\n<li>Central vacuum: $25\/year<\/li>\n<li>Double oven: $25\/year<\/li>\n<li>Electronic coverage: $300\/year<\/li>\n<li>Hot water dispenser: $25\/year<\/li>\n<li>In-ground pool: $100\/year<\/li>\n<li>In-ground pool and spa: $150\/year<\/li>\n<li>Limited roof leak coverage: $25\/year<\/li>\n<li>Septic system: $50\/year<\/li>\n<li>Stand-alone freezer: $25\/year<\/li>\n<li>Sump pump: $35\/year<\/li>\n<li>Well pump: $50\/year<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>AFC Home Club has standard exclusions, but its sample policies spelled out many, so read your policy closely before enrolling in a program with them. While none of the exclusions were strange, they were extensive, making it easier for AFC to deny your claim if you\u2019re not on top of maintaining your systems. Among the exclusions:<\/p>\n<ul>\n<li>Appliance inadequacy (lack of capacity)<\/li>\n<li>Code violations<\/li>\n<li>Computerized HVAC management systems<\/li>\n<li>Crane rentals<\/li>\n<li>Geothermal heating systems<\/li>\n<li>Haul-away services<\/li>\n<li>Improper installation<\/li>\n<li>Known or unknown pre-existing conditions<\/li>\n<li>Light fixtures<\/li>\n<li>Mismatched systems<\/li>\n<li>Modifications to the system of appliance<\/li>\n<li>Not liable for failure to keep up with routine maintenance<\/li>\n<li>Oil-based boiler systems<\/li>\n<li>Oversized or undersized equipment<\/li>\n<li>Window units<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Affordability\u00a0<\/h2>\n<h3 class=\"wp-block-heading\">9.1\/10<\/h3>\n<p>AFC Home Club provides homeowners with four plan options, ranging from $43 to $99, based on the quotes I gathered during my secret shopping for a single-family home in Nashville, Tennessee.\u00a0 I like that when I was secret shopping, AFC Home Club offered multiple discounts, including a discount if you pay annually, multiple deals on its website, and free roof-leak coverage. When signing up, you can choose between flat service call fees of $75, $100, or $125, giving you greater flexibility to customize your monthly premium to fit your budget.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Customer Experience<\/h2>\n<h3 class=\"wp-block-heading\">9.2\/10<\/h3>\n<p>I find AFC Home Club\u2019s customer experience smooth and efficient. Its online quote process was speedy, with the provider delivering on its \u201c30-second\u201d quote process claim. I also love that you can choose your own technician as long as they are insured and licensed. Many providers will only assign technicians within their network to service your home. So, this option is a significant bonus for homeowners with preferred technicians. If you don\u2019t have a preference, AFC sends someone from its nationwide network. Either way, you don\u2019t have to worry about researching and vetting a technician. However, the most significant benefit to AFC\u2019s customer experience is their long work guarantee of up to three years.<strong> <\/strong>Most home warranty companies offer one to two-month workmanship guarantees, but AFC guarantees repairs for the life of your plan (one to three years, depending on your contract). This guarantee even extends to situations where you choose your technician and expensive repairs like water heaters or AC units, so it\u2019s a serious benefit to homeowners wanting that extra peace of mind.\u00a0<\/p>\n<p>For more information, watch this customer testimonial from an actual AFC customer here: <\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-vimeo wp-block-embed-vimeo wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<p>\n<iframe loading=\"lazy\" title=\"AFC Customer Stories\" src=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/afc-home-club\/about:blank\" width=\"900\" height=\"506\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\" data-rocket-lazyload=\"fitvidscompatible\" data-lazy-src=\"https:\/\/player.vimeo.com\/video\/525143658?dnt=1&app_id=122963\"><\/iframe><noscript><iframe loading=\"lazy\" title=\"AFC Customer Stories\" src=\"https:\/\/player.vimeo.com\/video\/525143658?dnt=1&app_id=122963\" width=\"900\" height=\"506\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\"><\/iframe><\/noscript>\n<\/p>\n<\/figure>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Company Reputation<\/h2>\n<h3 class=\"wp-block-heading\">8.3\/10<\/h3>\n<p>AFC Home Club has mostly positive customer reviews and a solid reputation, with a B rating and an accreditation from the BBB, which gives me great peace of mind. Positive reviews highlight AFC Home Club\u2019s prompt claim response, competent repair technicians, and a positive response about customers being able to choose their service technicians. In contrast, negative reviews share that they dealt with multiple claim denials, issues with the customer service team, and low reimbursement rates. Another problem pointed out was \u201cscammy\u201d exclusions and low reimbursement rates. However, the provider\u2019s policy does state that it reimburses you based on the current cost of your appliance. In other words, you\u2019re reimbursed based on the depreciated cost of your home system or appliance, not what you initially paid out of pocket, so keep this in mind when choosing between providers.\u00a0<\/p>\n<p>While AFC\u2019s reviews aren\u2019t as stellar as providers like <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/liberty-home-guard\/\">Liberty Home Guard<\/a>, it still enjoys decent reviews overall.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em># of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B\/2.53<\/em><\/td>\n<td>164<\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3<\/em><\/td>\n<td><em>24<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.9<\/em><\/td>\n<td><em>337<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Claims Process<\/h2>\n<h3 class=\"wp-block-heading\">6.8\/10<\/h3>\n<p>AFC Home Club has a slower response time, around 48 hours, than I would like. It\u2019s much longer than that of providers like Liberty Home Guard, which responds in as little as 12 hours. AFC also doesn\u2019t provide emergency service options. If you need help after hours, you\u2019ll pay an additional fee, a significant con. The provider isn\u2019t open on nationally recognized holidays either, which can lead to greater delays \u2014 something I don\u2019t want to deal with when my leaking clothes washer is damaging my floors.<\/p>\n<p>Unfortunately, many customer reviews I read pointed out issues with the claims process, such as problems with long wait times, multiple claim denials, and poor reimbursement rates. These are things I don\u2019t want to see when shopping for a home warranty policy.<\/p>\n<section id=\"th-tips-block_16a7b5d21b85b455615635b0d9ce33f0\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p> A home warranty policy should reduce stress because you should feel assured that the provider will take care of the cost of replacing or repairing your broken-down unit. So, factor in coverage caps when shopping around to ensure your provider will cover the total cost of repairs and replacements based on your appliances.\u00a0 <\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Availability<\/h2>\n<h3 class=\"wp-block-heading\">10\/10<\/h3>\n<p>AFC Home Club provides home warranty coverage in 47 states, all except Hawaii, Washington, and California. This provider has 14 years of industry experience and has been accredited by the BBB since 2015, giving me plenty of peace of mind about its history of handling customer complaints.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Vs. The Competition<\/h2>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. Liberty Home Guard<\/h3>\n<p>Of all the providers our team has reviewed and ranked, Liberty Home Guard logged the highest score, 9.3 out of 10 stars. One of the biggest reasons for such a high score is its comprehensive plans and exorbitant number of add-ons. Liberty Home Guard has more than 40 add-on options, allowing you to tweak your plan to a larger extent than most providers. That\u2019s more available flexibility than even plans with AFC Home Club, which has four base policies. However, AFC Home Club is more affordable, especially when factoring in generous discount options and less expensive add-ons (around $10 to $15 a month compared to Liberty\u2019s $20 to $25 average add-on cost).\u00a0<\/p>\n<p>While these two providers have identical (and perfect) availability scores, Liberty Home Guard has nationwide coverage. AFC doesn\u2019t sell policies in Hawaii, California, or Washington.\u00a0\u00a0<\/p>\n<p>Liberty Home Guard is my pick between these two because of its more comprehensive coverage and fewer exclusions. It also doesn\u2019t require maintenance records to enjoy HVAC system coverage, a reality I don\u2019t like about AFC.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>Liberty Home Guard<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>10<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.9<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>7.8<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>9.1<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>10<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>9.3<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. American Home Shield<\/h3>\n<p>One of my biggest issues with AFC Home Club is its lower-than-average coverage. While the company offers up to $3,000 in HVAC coverage after you submit maintenance records, that amount still isn\u2019t enough to pay for <a href=\"https:\/\/todayshomeowner.com\/hvac\/cost\/hvac-installation-cost\/#:~:text=An%20HVAC%20system%20can%20be,add%20between%20%241%2C500%20and%20%245%2C000.\">an HVAC replacement<\/a> \u2014 or even a significant repair in some cases. American Home Shield offers generous coverage caps of up to $4,000 for appliances and $5,000 for systems. That includes coverage for an HVAC,\u00a0 a critical system that, if you live somewhere hot or cold, can get overwhelmed for months at a time.\u00a0<\/p>\n<p>However, my experience with American Home Shield\u2019s customer service isn\u2019t as positive. My research found many negative reviews citing poor customer service and underskilled technicians. It has higher-than-average prices (although you receive much better coverage than most providers, including AFC).\u00a0<\/p>\n<p>Overall, I pick American Home Shield over AFH Home Club because of the generous coverage caps and the fact that American Home Shield covers unknown pre-existing conditions and older appliances. These pros give me greater confidence in American Home Shield\u2019s service and peace of mind that it would fully cover a major appliance or home system breakdown compared to AFC, which caps out refrigerator coverage at only $150.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>American Home Shield<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>9<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.7<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>8.4<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>7.7<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>8.4<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>8.6<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. Choice Home Warranty<\/h3>\n<p>Choice Home Warranty shines because of high claim acceptance rates, which customers consistently praise in reviews. This gives me a lot of peace of mind because the last thing you want to worry about is your claim being denied while your dishwasher leaks. However, this provider is fighting the <a href=\"https:\/\/www.azag.gov\/press-release\/attorney-general-mark-brnovich-sues-home-warranty-company-misleading-arizona\">Arizona attorney general<\/a> in a consumer fraud case, which has a serious set of allegations. While still pending, this is a blow to AFC\u2019s customer reputation.\u00a0<\/p>\n<p>While I think AFC Home Club has more affordable plans and comparable coverage to Choice, its claims process is lacking, with a lower claim acceptance rate and less user-friendly processes, according to reviews. Overall, these providers are similar in their availability, plan choices, and affordability.\u00a0<\/p>\n<p>I\u2019d pick Choice if you are most concerned about claim denial, but AFC Home Club is the choice if you want extra perks like electronics coverage and special discounts on other insurance. Choice doesn\u2019t offer that coverage.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>Choice Home Warranty<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>8.3<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.9<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>8.4<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>8.3<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>8.8<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>8.6<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Who Is AFC Home Club Best For?<\/h2>\n<p>AFC Home Club is best for homeowners with many electronics, especially people who work from home and want protection for work laptops, monitors, tablets, etc. The company\u2019s Diamond Plan has impressive electronics coverage, which protects chip-based items,\u00a0 home entertainment elements, and smart electronics if they get damaged from water leaks, droppage, and more. This is a rare rider for this industry.\u00a0<\/p>\n<p>If you don\u2019t pick the Diamond Plan, you can choose this coverage as an add-on, making their plans very customizable. However, I don\u2019t recommend this provider for anyone with luxury appliances because the lower coverage caps aren\u2019t enough to fully repair or replace many items. You can be paying too much out of pocket for a repair or replacement.\u00a0<\/p>\n<div class=\"gb-container gb-container-c92c6a1f\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-d92a794c\">\n<div class=\"gb-grid-column gb-grid-column-66fa5b62\">\n<div class=\"gb-container gb-container-66fa5b62\">\n<div class=\"gb-headline gb-headline-8ca5cab2\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewbox=\"0 0 384 512\"><path fill=\"currentColor\" d=\"M97.12 362.63c-8.69-8.69-4.16-6.24-25.12-11.85-9.51-2.55-17.87-7.45-25.43-13.32L1.2 448.7c-4.39 10.77 3.81 22.47 15.43 22.03l52.69-2.01L105.56 507c8 8.44 22.04 5.81 26.43-4.96l52.05-127.62c-10.84 6.04-22.87 9.58-35.31 9.58-19.5 0-37.82-7.59-51.61-21.37zM382.8 448.7l-45.37-111.24c-7.56 5.88-15.92 10.77-25.43 13.32-21.07 5.64-16.45 3.18-25.12 11.85-13.79 13.78-32.12 21.37-51.62 21.37-12.44 0-24.47-3.55-35.31-9.58L252 502.04c4.39 10.77 18.44 13.4 26.43 4.96l36.25-38.28 52.69 2.01c11.62.44 19.82-11.27 15.43-22.03zM263 340c15.28-15.55 17.03-14.21 38.79-20.14 13.89-3.79 24.75-14.84 28.47-28.98 7.48-28.4 5.54-24.97 25.95-45.75 10.17-10.35 14.14-25.44 10.42-39.58-7.47-28.38-7.48-24.42 0-52.83 3.72-14.14-.25-29.23-10.42-39.58-20.41-20.78-18.47-17.36-25.95-45.75-3.72-14.14-14.58-25.19-28.47-28.98-27.88-7.61-24.52-5.62-44.95-26.41-10.17-10.35-25-14.4-38.89-10.61-27.87 7.6-23.98 7.61-51.9 0-13.89-3.79-28.72.25-38.89 10.61-20.41 20.78-17.05 18.8-44.94 26.41-13.89 3.79-24.75 14.84-28.47 28.98-7.47 28.39-5.54 24.97-25.95 45.75-10.17 10.35-14.15 25.44-10.42 39.58 7.47 28.36 7.48 24.4 0 52.82-3.72 14.14.25 29.23 10.42 39.59 20.41 20.78 18.47 17.35 25.95 45.75 3.72 14.14 14.58 25.19 28.47 28.98C104.6 325.96 106.27 325 121 340c13.23 13.47 33.84 15.88 49.74 5.82a39.676 39.676 0 0 1 42.53 0c15.89 10.06 36.5 7.65 49.73-5.82zM97.66 175.96c0-53.03 42.24-96.02 94.34-96.02s94.34 42.99 94.34 96.02-42.24 96.02-94.34 96.02-94.34-42.99-94.34-96.02z\"\/><\/svg><\/span><span class=\"gb-headline-text\">Best for Additional Benefits<\/span><\/div>\n<p class=\"gb-headline gb-headline-4c3064d5 gb-headline-text\">4.3<\/p>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-dc141640\">\n<div class=\"gb-container gb-container-dc141640\">\n<figure class=\"gb-block-image gb-block-image-c7b092ca\"><a href=\"https:\/\/afchomeclub.com\/app\/Landing\/HouseMethod\/medium\/threeships\/sub_ids\/other-tho\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1199\" height=\"421\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" class=\"gb-image-c7b092ca lazyload\" alt=\"AFC Home Warranty logo\" data-lazy-data-sizes=\"auto\" data-srcset=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg 1199w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-300x105.jpeg 300w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-768x270.jpeg 768w\" data-lazy-data-sizes=\"(max-width: 1199px) 100vw, 1199px\" data-lazy-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg\"\/><noscript><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1199\" height=\"421\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg\" class=\"gb-image-c7b092ca lazyload\" alt=\"AFC Home Warranty logo\" data-sizes=\"auto\" data-srcset=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg 1199w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-300x105.jpeg 300w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-768x270.jpeg 768w\" data-sizes=\"(max-width: 1199px) 100vw, 1199px\"\/><\/noscript><\/a><\/figure>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-b4770a74\">\n<div class=\"gb-container gb-container-b4770a74\">\n<div class=\"gb-container gb-container-ef53764f border-dash\">\n<p>Limited Time:<\/p>\n<p>$200 off + free roof leak coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_f2fc47d954fbfd9791d8b08697d5bfae 1\" class=\"hm-faq hm-faq--one-column\">\n<h2 class=\"hm-faq__title \" data-toc-text=\"FAQs About AFC Home Club\">FAQs About AFC Home Club<\/h2>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n Is AFC Home Club Legit? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">\u00a0AFC Home Club is a legitimate home warranty provider with accreditation through the Better Business Bureau (BBB) and over 14 years of experience in the home warranty industry.<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n How Much Does AFC Home Club Cost? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">AFC Home Club costs between $43 and $99 per month, depending on your plan, based on our secret shopping (no discounts included). Another <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">home warranty cost<\/span><\/a><span style=\"font-weight: 400;\"> to consider is AFC\u2019s service call fee, which costs either $75, $100, or $125.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n What Does AFC Home Club Cover? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">AFC Home Club covers the following (depending on your plan):\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Air conditioning and heating systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Built-in microwave<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ceiling\/exhaust\/attic fan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clothes dryer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clothes washer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dishwasher<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ductwork<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garbage disposal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garage door opener<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ice maker<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interior electrical<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kitchen refrigerator<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oven\/range\/cooktop<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plumbing systems and stoppages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water heater<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">AFC Home Club doesn\u2019t cover the following:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appliance inadequacy (lack of capacity)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Code violations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Computerized HVAC management systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Crane rentals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Geothermal heating systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Haul-away services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improper installation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Light fixtures<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mismatched systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Modifications to the system of appliance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not liable for failure to keep up with routine maintenance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oil-based boiler systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oversized or undersized equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Window units<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Read our guide about what <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/guides\/home-warranty-coverage\/\"><span style=\"font-weight: 400;\">home warranties cover<\/span><\/a><span style=\"font-weight: 400;\"> for a more in-depth look at what to expect when you enroll in a policy.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n How Do You Cancel AFC Home Club? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">You can cancel AFC Home Club during the waiting period and receive a refund. You can also cancel during your active policy and receive a prorated refund. Outside of the waiting period, you may be subject to a $75 cancellation fee.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n <\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-other-resources-for-homeowners\">Other Resources for Homeowners<\/h2>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Quick Facts Pros & Cons My Verdict AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from […]<\/p>\n","protected":false},"author":254,"featured_media":10283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[124],"tags":[],"class_list":["post-10282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-improvement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AFC Home Warranty Review: Cost & Coverage | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"Are you considering AFC Home Club for your home warranty? 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DeYoung","author_link":"https:\/\/topat10.com\/?author=254"},"uagb_comment_info":0,"uagb_excerpt":"Quick Facts Pros & Cons My Verdict AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from…","jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/topat10.com\/wp-content\/uploads\/2024\/04\/AFC-Home-Warranty.jpeg","_links":{"self":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts\/10282","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/users\/254"}],"replies":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10282"}],"version-history":[{"count":0,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts\/10282\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/media\/10283"}],"wp:attachment":[{"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Pros & Cons<\/strong><\/button><\/p>\nMy Verdict<\/strong><\/button><\/p>\n\n\n\n\n\n<\/svg><\/span>AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from such coverage.\u00a0<\/span><\/div>\n<\/svg><\/span>This provider offers a nice range of discounts, four base plans, and three service fee options. That gives you far more control over your monthly premium cost than most providers who may offer one to two plans or service fees and not nearly as many discounts. I recommend calling for the best deal, and AFC offers a $250 discount when you do.\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n\n\n<\/svg><\/span>AFC Home Club has low coverage caps. Some appliances, such as your refrigerator, ice maker, or standard thermostat, receive between $80 and $500 in protective coverage. These financial limits are too low, especially for items like refrigerators, which are expensive. It\u2019s not enough protection to ease my worries about the company paying for a complete replacement if I need a new fridge.\u00a0<\/span><\/div>\n<\/svg><\/span>Many customer reviews complained about claims process issues and about being denied based on \u201cscammy\u201d exclusions. Some of this may be because of AFC Home Club\u2019s extensive number of exclusions, so read the fine print of your policy closely before choosing this provider.\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\nAFC Home Club isn\u2019t my favorite home warranty provider because of its low coverage caps, high number of exclusions, complaints about claim denials, and poor reimbursement rates. All of these are enough to make me want to steer clear. One of my biggest priorities is having a home warranty policy that doesn\u2019t require maintenance records and offers plenty of coverage for replacements. However, homeowners looking for benefits like electronics coverage or add-on protections for limited roof leaks, a double oven, and a hot water dispenser may enjoy this provider\u2019s service.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\nEstablished in Marietta, Georgia, in 2009, AFC Home Warranty has a solid reputation with a B rating and accreditation from the Better Business Bureau (BBB).\u00a0 However, customer complaints about claim denials and low reimbursement rates give home warranty shoppers reason to pause.<\/p>\nIn this guide, I\u2019m diving into the good, the bad, and the ugly about AFC Home Club \u2014 where it shines and where its chief downfalls lie. In the end, you will have a nuanced look at the provider as a whole. I won\u2019t hold back on any criticisms so you have an unbiased look at AFC Home Club. Having a solid home warranty is integral to protecting yourself financially when your appliances and systems fail. You can decide whether this is the right provider for you.<\/p>\nIn addition to my secret shopping and intense research, we scored AFC Home Club using Today\u2019s Homeowner\u2019s proprietary review criteria, which include plans and coverage, affordability, customer experience, company reputation, claims process, and availability.<\/p>\n\n\nWhy Trust Us?<\/p>\nHere\u2019s how we ranked and reviewed the nation\u2019s top home warranty companies to bring you the most accurate information.<\/p>\n<\/div>\n\n\n\n76<\/p>\n\n\ncompanies reviewed<\/span> information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 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class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9b418bbf\">\n<p class=\"gb-headline gb-headline-e4fc7235 gb-headline-text\">We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-e928fcce\">\n<div class=\"gb-container gb-container-e928fcce\">\n<p>6<\/p>\n<div class=\"gb-container gb-container-065b1b7a gb-accordion\">\n<div class=\"gb-container gb-container-70fc3e42 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9d4e4cfe gb-accordion__toggle\"><span class=\"gb-button-text\">rating factors<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 L12.4804777,23.8096931 L12.4953491,23.8136134 L12.4953491,23.8136134 L12.5071152,23.8096931 L12.6106902,23.7357139 L12.6232938,23.7196733 L12.6232938,23.7196733 L12.6266527,23.7031097 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Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3e6b7d8f\">\n<p class=\"gb-headline gb-headline-0a32b967 gb-headline-text\">Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"has-text-align-right\">For more information, check out our <a href=\"https:\/\/todayshomeowner.com\/home-warranty-methodology\/\">Home Warranty Methodology<\/a> page.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-afc-home-club-best-additional-benefits\">AFC Home Club: Best Additional Benefits<\/h2>\n<div class=\"gb-container gb-container-8baa4572\">\n<div class=\"gb-container gb-container-ea9f0352 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-e482a7a1 gb-button-text gb-tabs__button gb-block-is-current\">What I Like About AFC Home Club<\/button><\/p>\n<p><button class=\"gb-button gb-button-722d522f gb-button-text gb-tabs__button\">What I Don\u2019t Like About AFC Home Club<\/button><\/p>\n<div class=\"gb-container gb-container-3b162802 gb-tabs__items\">\n<div class=\"gb-container gb-container-03a33476 gb-tabs__item gb-tabs__item-open\">\n<p>AFC Home Club has its Club Benefits program built into all its plans. Benefits include deals and discounts on credit monitoring, auto insurance, homeowners insurance, total electronics coverage, vision insurance, pet benefits, and more \u2014 all uncommon coverages in this industry. I like that the company has four base plans, ranging from budget-friendly ($43.50 per month) to the upscale Diamond Plan ($97.50 a month). While more expensive, the Diamond Plan has built-in electronics coverage for water damage, drops, and other problems for many home electronics, like entertainment systems, TVs, laptops, tablets, smartphones, and more.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-b5d24608 gb-tabs__item\">\n<p>According to AFC\u2019s sample policy for its Platinum Plan, the company requires a prior annual maintenance record from a licensed technician for some repairs. This stipulation means you won\u2019t receive coverage if you fail to have regular maintenance check-ups with a licensed technician or don\u2019t follow through with their repair or maintenance suggestions. This is a giant pain, especially when dealing with a broken-down HVAC system on a cold or hot day as you scramble to get ahold of these records.\u00a0<\/p>\n<p>Another drawback is AFC Home Club\u2019s sample policies list many exclusions and low coverage caps, like a limit of $500 per membership term, which is one to three years, depending on the plan, for your septic system. This coverage is lackluster and insufficient to cover the <a href=\"https:\/\/todayshomeowner.com\/plumbing\/cost\/septic-tank-installation-cost\/\">cost of replacing a septic system<\/a>. Plus, items like the septic line from your home and a system clean-out aren\u2019t covered, so you\u2019re still left to pay part of the bill. Another con is AFC\u2019s lack of emergency services and its policy of being closed on nationally recognized holidays. That leaves you without service when your dishwasher breaks down on Thanksgiving or Christmas.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Bottom Line: 8.5\/10<\/h2>\n<p>If you think you would get a lot of use from AFC Home Club\u2019s large number of Club Benefits, such as discounts and deals on credit monitoring, homeowners insurance, total electronics coverage, vision insurance, and pet benefits, then this may be a solid provider for you. However, it wouldn\u2019t be my top choice because of its extensive list of exclusions. None of these exclusions are unheard of in the industry, but the large quantity of them makes it challenging to assess what is and isn\u2019t covered and makes it easier for AFC to deny your claim \u2014 something that customers brought up repeatedly in reviews. Some of these exclusions are system mismatches, lack of appliance capacity, and keeping up with system and appliance maintenance. For example, if you don\u2019t keep up with yearly maintenance on your HVAC system by a licensed technician and don\u2019t follow suggested repairs, you could be denied a later claim because you didn\u2019t maintain the appliance properly.\u00a0<\/p>\n<p>However,\u00a0 AFC Home Club delivers fair pricing, with its least expensive appliance-only plan costing around $43 a month without discounts. With discounts, this plan costs close to $36 per month, which is affordable compared to the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\">average home warranty price<\/a> ($50 or more nationwide). You can save $168 a year if you select the discounted appliance-only plan. On top of that, AFC Home Club\u2019s add-ons are reasonably priced, with most costing less than $15 per month. That\u2019s much more affordable than plans from providers like Liberty Home Guard, whose add-that average $20 to $25 per month.<\/p>\n<p><strong>The bottom line: <\/strong>I like AFC Home Club for its impressive and unique Club Benefits and its comprehensive electronics plan (especially as someone working from home). But the company\u2019s low coverage caps give me pause. For example, it only pays up to $150 per membership term for your ductwork, garbage disposal, or range exhaust per their sample policy for Platinum Plan members. This isn\u2019t much for significant repairs. Plus, the most comprehensive plan, the Diamond Plan, wasn\u2019t available in all ZIP codes when I was secret shopping.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Plans and Coverage\u00a0<\/h2>\n<h3 class=\"wp-block-heading\">8.1\/10<\/h3>\n<p>AFC Home Club has an unusual number of plan options (a total of four, more than most providers who offer two to three options). You\u2019ll find an appliance-only plan, a systems plan, a comprehensive plan covering both, plus the Diamond Plan, which covers 18 systems, appliances, and electronics. The electronics component of this plan is rare within the industry and covers items like your smartphone, laptops, monitors, home entertainment products, tablets, and smart devices like Alexa, Google Home, and smartwatches. This is something I\u2019ve only seen a few providers offer as an add-on, but it is seldom included in a plan.<\/p>\n<p>If I chose AFC Home Club for my home, I\u2019d go for the Diamond Plan. It has a total electronics plan that covers water damage, drops, and functional issues \u2014 all things that cost hundreds or even thousands of dollars to replace if you drop your TV or laptop. As someone who works from home and relies on a laptop, I find this coverage priceless. During my secret shopping, I found that the Diamond Plan wasn\u2019t available in some areas, such as parts of Alaska, so double-check that this plan is available in your area first.\u00a0<\/p>\n<p>The following monthly costs don\u2019t include the available discounts.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Silver Plan<\/em><\/td>\n<td><em>$43.50<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Gold Plan<\/em><\/td>\n<td><em>$58.08<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Platinum Plan<\/em><\/td>\n<td><em>$62.92<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Diamond Plan<\/em><\/td>\n<td><em>$97.50<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Nashville, TN. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>I especially like AFC\u2019s add-on options, including electronics and double-oven coverage, which cost around $25 and $2 per month, respectively. The limited roof-leak coverage is a steal because it only costs $25 a year (about $2 per month). Compare that to the protection of another reputable home warranty company, Elite Home Warranty, which charges $99.99 per year ($8.33 per month) for similar protection. Roof-leak coverage is critical for many homeowners because rain, snow, and heavy wind can all wear down your roof, leading to leaks and eventual water damage in your home. AFC\u2019s add-on menu includes:<\/p>\n<ul>\n<li>Central vacuum: $25\/year<\/li>\n<li>Double oven: $25\/year<\/li>\n<li>Electronic coverage: $300\/year<\/li>\n<li>Hot water dispenser: $25\/year<\/li>\n<li>In-ground pool: $100\/year<\/li>\n<li>In-ground pool and spa: $150\/year<\/li>\n<li>Limited roof leak coverage: $25\/year<\/li>\n<li>Septic system: $50\/year<\/li>\n<li>Stand-alone freezer: $25\/year<\/li>\n<li>Sump pump: $35\/year<\/li>\n<li>Well pump: $50\/year<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>AFC Home Club has standard exclusions, but its sample policies spelled out many, so read your policy closely before enrolling in a program with them. While none of the exclusions were strange, they were extensive, making it easier for AFC to deny your claim if you\u2019re not on top of maintaining your systems. Among the exclusions:<\/p>\n<ul>\n<li>Appliance inadequacy (lack of capacity)<\/li>\n<li>Code violations<\/li>\n<li>Computerized HVAC management systems<\/li>\n<li>Crane rentals<\/li>\n<li>Geothermal heating systems<\/li>\n<li>Haul-away services<\/li>\n<li>Improper installation<\/li>\n<li>Known or unknown pre-existing conditions<\/li>\n<li>Light fixtures<\/li>\n<li>Mismatched systems<\/li>\n<li>Modifications to the system of appliance<\/li>\n<li>Not liable for failure to keep up with routine maintenance<\/li>\n<li>Oil-based boiler systems<\/li>\n<li>Oversized or undersized equipment<\/li>\n<li>Window units<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Affordability\u00a0<\/h2>\n<h3 class=\"wp-block-heading\">9.1\/10<\/h3>\n<p>AFC Home Club provides homeowners with four plan options, ranging from $43 to $99, based on the quotes I gathered during my secret shopping for a single-family home in Nashville, Tennessee.\u00a0 I like that when I was secret shopping, AFC Home Club offered multiple discounts, including a discount if you pay annually, multiple deals on its website, and free roof-leak coverage. When signing up, you can choose between flat service call fees of $75, $100, or $125, giving you greater flexibility to customize your monthly premium to fit your budget.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Customer Experience<\/h2>\n<h3 class=\"wp-block-heading\">9.2\/10<\/h3>\n<p>I find AFC Home Club\u2019s customer experience smooth and efficient. Its online quote process was speedy, with the provider delivering on its \u201c30-second\u201d quote process claim. I also love that you can choose your own technician as long as they are insured and licensed. Many providers will only assign technicians within their network to service your home. So, this option is a significant bonus for homeowners with preferred technicians. If you don\u2019t have a preference, AFC sends someone from its nationwide network. Either way, you don\u2019t have to worry about researching and vetting a technician. However, the most significant benefit to AFC\u2019s customer experience is their long work guarantee of up to three years.<strong> <\/strong>Most home warranty companies offer one to two-month workmanship guarantees, but AFC guarantees repairs for the life of your plan (one to three years, depending on your contract). This guarantee even extends to situations where you choose your technician and expensive repairs like water heaters or AC units, so it\u2019s a serious benefit to homeowners wanting that extra peace of mind.\u00a0<\/p>\n<p>For more information, watch this customer testimonial from an actual AFC customer here: <\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-vimeo wp-block-embed-vimeo wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<p>\n<iframe loading=\"lazy\" title=\"AFC Customer Stories\" src=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/afc-home-club\/about:blank\" width=\"900\" height=\"506\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\" data-rocket-lazyload=\"fitvidscompatible\" data-lazy-src=\"https:\/\/player.vimeo.com\/video\/525143658?dnt=1&app_id=122963\"><\/iframe><noscript><iframe loading=\"lazy\" title=\"AFC Customer Stories\" src=\"https:\/\/player.vimeo.com\/video\/525143658?dnt=1&app_id=122963\" width=\"900\" height=\"506\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\"><\/iframe><\/noscript>\n<\/p>\n<\/figure>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Company Reputation<\/h2>\n<h3 class=\"wp-block-heading\">8.3\/10<\/h3>\n<p>AFC Home Club has mostly positive customer reviews and a solid reputation, with a B rating and an accreditation from the BBB, which gives me great peace of mind. Positive reviews highlight AFC Home Club\u2019s prompt claim response, competent repair technicians, and a positive response about customers being able to choose their service technicians. In contrast, negative reviews share that they dealt with multiple claim denials, issues with the customer service team, and low reimbursement rates. Another problem pointed out was \u201cscammy\u201d exclusions and low reimbursement rates. However, the provider\u2019s policy does state that it reimburses you based on the current cost of your appliance. In other words, you\u2019re reimbursed based on the depreciated cost of your home system or appliance, not what you initially paid out of pocket, so keep this in mind when choosing between providers.\u00a0<\/p>\n<p>While AFC\u2019s reviews aren\u2019t as stellar as providers like <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/liberty-home-guard\/\">Liberty Home Guard<\/a>, it still enjoys decent reviews overall.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em># of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B\/2.53<\/em><\/td>\n<td>164<\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3<\/em><\/td>\n<td><em>24<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.9<\/em><\/td>\n<td><em>337<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Claims Process<\/h2>\n<h3 class=\"wp-block-heading\">6.8\/10<\/h3>\n<p>AFC Home Club has a slower response time, around 48 hours, than I would like. It\u2019s much longer than that of providers like Liberty Home Guard, which responds in as little as 12 hours. AFC also doesn\u2019t provide emergency service options. If you need help after hours, you\u2019ll pay an additional fee, a significant con. The provider isn\u2019t open on nationally recognized holidays either, which can lead to greater delays \u2014 something I don\u2019t want to deal with when my leaking clothes washer is damaging my floors.<\/p>\n<p>Unfortunately, many customer reviews I read pointed out issues with the claims process, such as problems with long wait times, multiple claim denials, and poor reimbursement rates. These are things I don\u2019t want to see when shopping for a home warranty policy.<\/p>\n<section id=\"th-tips-block_16a7b5d21b85b455615635b0d9ce33f0\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p> A home warranty policy should reduce stress because you should feel assured that the provider will take care of the cost of replacing or repairing your broken-down unit. So, factor in coverage caps when shopping around to ensure your provider will cover the total cost of repairs and replacements based on your appliances.\u00a0 <\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Availability<\/h2>\n<h3 class=\"wp-block-heading\">10\/10<\/h3>\n<p>AFC Home Club provides home warranty coverage in 47 states, all except Hawaii, Washington, and California. This provider has 14 years of industry experience and has been accredited by the BBB since 2015, giving me plenty of peace of mind about its history of handling customer complaints.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Vs. The Competition<\/h2>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. Liberty Home Guard<\/h3>\n<p>Of all the providers our team has reviewed and ranked, Liberty Home Guard logged the highest score, 9.3 out of 10 stars. One of the biggest reasons for such a high score is its comprehensive plans and exorbitant number of add-ons. Liberty Home Guard has more than 40 add-on options, allowing you to tweak your plan to a larger extent than most providers. That\u2019s more available flexibility than even plans with AFC Home Club, which has four base policies. However, AFC Home Club is more affordable, especially when factoring in generous discount options and less expensive add-ons (around $10 to $15 a month compared to Liberty\u2019s $20 to $25 average add-on cost).\u00a0<\/p>\n<p>While these two providers have identical (and perfect) availability scores, Liberty Home Guard has nationwide coverage. AFC doesn\u2019t sell policies in Hawaii, California, or Washington.\u00a0\u00a0<\/p>\n<p>Liberty Home Guard is my pick between these two because of its more comprehensive coverage and fewer exclusions. It also doesn\u2019t require maintenance records to enjoy HVAC system coverage, a reality I don\u2019t like about AFC.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>Liberty Home Guard<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>10<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.9<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>7.8<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>9.1<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>10<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>9.3<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. American Home Shield<\/h3>\n<p>One of my biggest issues with AFC Home Club is its lower-than-average coverage. While the company offers up to $3,000 in HVAC coverage after you submit maintenance records, that amount still isn\u2019t enough to pay for <a href=\"https:\/\/todayshomeowner.com\/hvac\/cost\/hvac-installation-cost\/#:~:text=An%20HVAC%20system%20can%20be,add%20between%20%241%2C500%20and%20%245%2C000.\">an HVAC replacement<\/a> \u2014 or even a significant repair in some cases. American Home Shield offers generous coverage caps of up to $4,000 for appliances and $5,000 for systems. That includes coverage for an HVAC,\u00a0 a critical system that, if you live somewhere hot or cold, can get overwhelmed for months at a time.\u00a0<\/p>\n<p>However, my experience with American Home Shield\u2019s customer service isn\u2019t as positive. My research found many negative reviews citing poor customer service and underskilled technicians. It has higher-than-average prices (although you receive much better coverage than most providers, including AFC).\u00a0<\/p>\n<p>Overall, I pick American Home Shield over AFH Home Club because of the generous coverage caps and the fact that American Home Shield covers unknown pre-existing conditions and older appliances. These pros give me greater confidence in American Home Shield\u2019s service and peace of mind that it would fully cover a major appliance or home system breakdown compared to AFC, which caps out refrigerator coverage at only $150.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>American Home Shield<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>9<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.7<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>8.4<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>7.7<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>8.4<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>8.6<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. Choice Home Warranty<\/h3>\n<p>Choice Home Warranty shines because of high claim acceptance rates, which customers consistently praise in reviews. This gives me a lot of peace of mind because the last thing you want to worry about is your claim being denied while your dishwasher leaks. However, this provider is fighting the <a href=\"https:\/\/www.azag.gov\/press-release\/attorney-general-mark-brnovich-sues-home-warranty-company-misleading-arizona\">Arizona attorney general<\/a> in a consumer fraud case, which has a serious set of allegations. While still pending, this is a blow to AFC\u2019s customer reputation.\u00a0<\/p>\n<p>While I think AFC Home Club has more affordable plans and comparable coverage to Choice, its claims process is lacking, with a lower claim acceptance rate and less user-friendly processes, according to reviews. Overall, these providers are similar in their availability, plan choices, and affordability.\u00a0<\/p>\n<p>I\u2019d pick Choice if you are most concerned about claim denial, but AFC Home Club is the choice if you want extra perks like electronics coverage and special discounts on other insurance. Choice doesn\u2019t offer that coverage.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>Choice Home Warranty<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>8.3<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.9<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>8.4<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>8.3<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>8.8<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>8.6<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Who Is AFC Home Club Best For?<\/h2>\n<p>AFC Home Club is best for homeowners with many electronics, especially people who work from home and want protection for work laptops, monitors, tablets, etc. The company\u2019s Diamond Plan has impressive electronics coverage, which protects chip-based items,\u00a0 home entertainment elements, and smart electronics if they get damaged from water leaks, droppage, and more. This is a rare rider for this industry.\u00a0<\/p>\n<p>If you don\u2019t pick the Diamond Plan, you can choose this coverage as an add-on, making their plans very customizable. However, I don\u2019t recommend this provider for anyone with luxury appliances because the lower coverage caps aren\u2019t enough to fully repair or replace many items. You can be paying too much out of pocket for a repair or replacement.\u00a0<\/p>\n<div class=\"gb-container gb-container-c92c6a1f\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-d92a794c\">\n<div class=\"gb-grid-column gb-grid-column-66fa5b62\">\n<div class=\"gb-container gb-container-66fa5b62\">\n<div class=\"gb-headline gb-headline-8ca5cab2\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewbox=\"0 0 384 512\"><path fill=\"currentColor\" d=\"M97.12 362.63c-8.69-8.69-4.16-6.24-25.12-11.85-9.51-2.55-17.87-7.45-25.43-13.32L1.2 448.7c-4.39 10.77 3.81 22.47 15.43 22.03l52.69-2.01L105.56 507c8 8.44 22.04 5.81 26.43-4.96l52.05-127.62c-10.84 6.04-22.87 9.58-35.31 9.58-19.5 0-37.82-7.59-51.61-21.37zM382.8 448.7l-45.37-111.24c-7.56 5.88-15.92 10.77-25.43 13.32-21.07 5.64-16.45 3.18-25.12 11.85-13.79 13.78-32.12 21.37-51.62 21.37-12.44 0-24.47-3.55-35.31-9.58L252 502.04c4.39 10.77 18.44 13.4 26.43 4.96l36.25-38.28 52.69 2.01c11.62.44 19.82-11.27 15.43-22.03zM263 340c15.28-15.55 17.03-14.21 38.79-20.14 13.89-3.79 24.75-14.84 28.47-28.98 7.48-28.4 5.54-24.97 25.95-45.75 10.17-10.35 14.14-25.44 10.42-39.58-7.47-28.38-7.48-24.42 0-52.83 3.72-14.14-.25-29.23-10.42-39.58-20.41-20.78-18.47-17.36-25.95-45.75-3.72-14.14-14.58-25.19-28.47-28.98-27.88-7.61-24.52-5.62-44.95-26.41-10.17-10.35-25-14.4-38.89-10.61-27.87 7.6-23.98 7.61-51.9 0-13.89-3.79-28.72.25-38.89 10.61-20.41 20.78-17.05 18.8-44.94 26.41-13.89 3.79-24.75 14.84-28.47 28.98-7.47 28.39-5.54 24.97-25.95 45.75-10.17 10.35-14.15 25.44-10.42 39.58 7.47 28.36 7.48 24.4 0 52.82-3.72 14.14.25 29.23 10.42 39.59 20.41 20.78 18.47 17.35 25.95 45.75 3.72 14.14 14.58 25.19 28.47 28.98C104.6 325.96 106.27 325 121 340c13.23 13.47 33.84 15.88 49.74 5.82a39.676 39.676 0 0 1 42.53 0c15.89 10.06 36.5 7.65 49.73-5.82zM97.66 175.96c0-53.03 42.24-96.02 94.34-96.02s94.34 42.99 94.34 96.02-42.24 96.02-94.34 96.02-94.34-42.99-94.34-96.02z\"\/><\/svg><\/span><span class=\"gb-headline-text\">Best for Additional Benefits<\/span><\/div>\n<p class=\"gb-headline gb-headline-4c3064d5 gb-headline-text\">4.3<\/p>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-dc141640\">\n<div class=\"gb-container gb-container-dc141640\">\n<figure class=\"gb-block-image gb-block-image-c7b092ca\"><a href=\"https:\/\/afchomeclub.com\/app\/Landing\/HouseMethod\/medium\/threeships\/sub_ids\/other-tho\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1199\" height=\"421\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" class=\"gb-image-c7b092ca lazyload\" alt=\"AFC Home Warranty logo\" data-lazy-data-sizes=\"auto\" data-srcset=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg 1199w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-300x105.jpeg 300w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-768x270.jpeg 768w\" data-lazy-data-sizes=\"(max-width: 1199px) 100vw, 1199px\" data-lazy-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg\"\/><noscript><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1199\" height=\"421\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg\" class=\"gb-image-c7b092ca lazyload\" alt=\"AFC Home Warranty logo\" data-sizes=\"auto\" data-srcset=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg 1199w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-300x105.jpeg 300w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-768x270.jpeg 768w\" data-sizes=\"(max-width: 1199px) 100vw, 1199px\"\/><\/noscript><\/a><\/figure>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-b4770a74\">\n<div class=\"gb-container gb-container-b4770a74\">\n<div class=\"gb-container gb-container-ef53764f border-dash\">\n<p>Limited Time:<\/p>\n<p>$200 off + free roof leak coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_f2fc47d954fbfd9791d8b08697d5bfae 1\" class=\"hm-faq hm-faq--one-column\">\n<h2 class=\"hm-faq__title \" data-toc-text=\"FAQs About AFC Home Club\">FAQs About AFC Home Club<\/h2>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n Is AFC Home Club Legit? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">\u00a0AFC Home Club is a legitimate home warranty provider with accreditation through the Better Business Bureau (BBB) and over 14 years of experience in the home warranty industry.<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n How Much Does AFC Home Club Cost? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">AFC Home Club costs between $43 and $99 per month, depending on your plan, based on our secret shopping (no discounts included). Another <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">home warranty cost<\/span><\/a><span style=\"font-weight: 400;\"> to consider is AFC\u2019s service call fee, which costs either $75, $100, or $125.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n What Does AFC Home Club Cover? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">AFC Home Club covers the following (depending on your plan):\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Air conditioning and heating systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Built-in microwave<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ceiling\/exhaust\/attic fan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clothes dryer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clothes washer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dishwasher<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ductwork<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garbage disposal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garage door opener<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ice maker<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interior electrical<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kitchen refrigerator<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oven\/range\/cooktop<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plumbing systems and stoppages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water heater<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">AFC Home Club doesn\u2019t cover the following:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appliance inadequacy (lack of capacity)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Code violations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Computerized HVAC management systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Crane rentals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Geothermal heating systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Haul-away services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improper installation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Light fixtures<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mismatched systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Modifications to the system of appliance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not liable for failure to keep up with routine maintenance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oil-based boiler systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oversized or undersized equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Window units<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Read our guide about what <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/guides\/home-warranty-coverage\/\"><span style=\"font-weight: 400;\">home warranties cover<\/span><\/a><span style=\"font-weight: 400;\"> for a more in-depth look at what to expect when you enroll in a policy.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n How Do You Cancel AFC Home Club? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">You can cancel AFC Home Club during the waiting period and receive a refund. You can also cancel during your active policy and receive a prorated refund. Outside of the waiting period, you may be subject to a $75 cancellation fee.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n <\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-other-resources-for-homeowners\">Other Resources for Homeowners<\/h2>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Quick Facts Pros & Cons My Verdict AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from […]<\/p>\n","protected":false},"author":254,"featured_media":10283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[124],"tags":[],"class_list":["post-10282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-improvement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AFC Home Warranty Review: Cost & Coverage | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"Are you considering AFC Home Club for your home warranty? 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DeYoung","author_link":"https:\/\/topat10.com\/?author=254"},"uagb_comment_info":0,"uagb_excerpt":"Quick Facts Pros & Cons My Verdict AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from…","jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/topat10.com\/wp-content\/uploads\/2024\/04\/AFC-Home-Warranty.jpeg","_links":{"self":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts\/10282","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/users\/254"}],"replies":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10282"}],"version-history":[{"count":0,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts\/10282\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/media\/10283"}],"wp:attachment":[{"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
My Verdict<\/strong><\/button><\/p>\n\n\n\n\n\n<\/svg><\/span>AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from such coverage.\u00a0<\/span><\/div>\n<\/svg><\/span>This provider offers a nice range of discounts, four base plans, and three service fee options. That gives you far more control over your monthly premium cost than most providers who may offer one to two plans or service fees and not nearly as many discounts. I recommend calling for the best deal, and AFC offers a $250 discount when you do.\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n\n\n<\/svg><\/span>AFC Home Club has low coverage caps. Some appliances, such as your refrigerator, ice maker, or standard thermostat, receive between $80 and $500 in protective coverage. These financial limits are too low, especially for items like refrigerators, which are expensive. It\u2019s not enough protection to ease my worries about the company paying for a complete replacement if I need a new fridge.\u00a0<\/span><\/div>\n<\/svg><\/span>Many customer reviews complained about claims process issues and about being denied based on \u201cscammy\u201d exclusions. Some of this may be because of AFC Home Club\u2019s extensive number of exclusions, so read the fine print of your policy closely before choosing this provider.\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\nAFC Home Club isn\u2019t my favorite home warranty provider because of its low coverage caps, high number of exclusions, complaints about claim denials, and poor reimbursement rates. All of these are enough to make me want to steer clear. One of my biggest priorities is having a home warranty policy that doesn\u2019t require maintenance records and offers plenty of coverage for replacements. However, homeowners looking for benefits like electronics coverage or add-on protections for limited roof leaks, a double oven, and a hot water dispenser may enjoy this provider\u2019s service.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\nEstablished in Marietta, Georgia, in 2009, AFC Home Warranty has a solid reputation with a B rating and accreditation from the Better Business Bureau (BBB).\u00a0 However, customer complaints about claim denials and low reimbursement rates give home warranty shoppers reason to pause.<\/p>\nIn this guide, I\u2019m diving into the good, the bad, and the ugly about AFC Home Club \u2014 where it shines and where its chief downfalls lie. In the end, you will have a nuanced look at the provider as a whole. I won\u2019t hold back on any criticisms so you have an unbiased look at AFC Home Club. Having a solid home warranty is integral to protecting yourself financially when your appliances and systems fail. You can decide whether this is the right provider for you.<\/p>\nIn addition to my secret shopping and intense research, we scored AFC Home Club using Today\u2019s Homeowner\u2019s proprietary review criteria, which include plans and coverage, affordability, customer experience, company reputation, claims process, and availability.<\/p>\n\n\nWhy Trust Us?<\/p>\nHere\u2019s how we ranked and reviewed the nation\u2019s top home warranty companies to bring you the most accurate information.<\/p>\n<\/div>\n\n\n\n76<\/p>\n\n\ncompanies reviewed<\/span> information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 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M12.1430473,23.1473072 C12.1332178,23.1423925 12.1221763,23.1452606 12.1156365,23.1525954 L12.1099173,23.1665331 L12.0757714,23.7811639 C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-855135ce\">\n<p class=\"gb-headline gb-headline-c774fe11 gb-headline-text\">Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-8c16dcf2\">\n<div class=\"gb-container gb-container-8c16dcf2\">\n<p>152<\/p>\n<div class=\"gb-container gb-container-addedde8 gb-accordion\">\n<div class=\"gb-container gb-container-80c16dcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-eefbc2e8 gb-accordion__toggle\"><span class=\"gb-button-text\">quotes collected<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 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L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9b418bbf\">\n<p class=\"gb-headline gb-headline-e4fc7235 gb-headline-text\">We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-e928fcce\">\n<div class=\"gb-container gb-container-e928fcce\">\n<p>6<\/p>\n<div class=\"gb-container gb-container-065b1b7a gb-accordion\">\n<div class=\"gb-container gb-container-70fc3e42 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9d4e4cfe gb-accordion__toggle\"><span class=\"gb-button-text\">rating factors<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g 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Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3e6b7d8f\">\n<p class=\"gb-headline gb-headline-0a32b967 gb-headline-text\">Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"has-text-align-right\">For more information, check out our <a href=\"https:\/\/todayshomeowner.com\/home-warranty-methodology\/\">Home Warranty Methodology<\/a> page.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-afc-home-club-best-additional-benefits\">AFC Home Club: Best Additional Benefits<\/h2>\n<div class=\"gb-container gb-container-8baa4572\">\n<div class=\"gb-container gb-container-ea9f0352 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-e482a7a1 gb-button-text gb-tabs__button gb-block-is-current\">What I Like About AFC Home Club<\/button><\/p>\n<p><button class=\"gb-button gb-button-722d522f gb-button-text gb-tabs__button\">What I Don\u2019t Like About AFC Home Club<\/button><\/p>\n<div class=\"gb-container gb-container-3b162802 gb-tabs__items\">\n<div class=\"gb-container gb-container-03a33476 gb-tabs__item gb-tabs__item-open\">\n<p>AFC Home Club has its Club Benefits program built into all its plans. Benefits include deals and discounts on credit monitoring, auto insurance, homeowners insurance, total electronics coverage, vision insurance, pet benefits, and more \u2014 all uncommon coverages in this industry. I like that the company has four base plans, ranging from budget-friendly ($43.50 per month) to the upscale Diamond Plan ($97.50 a month). While more expensive, the Diamond Plan has built-in electronics coverage for water damage, drops, and other problems for many home electronics, like entertainment systems, TVs, laptops, tablets, smartphones, and more.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-b5d24608 gb-tabs__item\">\n<p>According to AFC\u2019s sample policy for its Platinum Plan, the company requires a prior annual maintenance record from a licensed technician for some repairs. This stipulation means you won\u2019t receive coverage if you fail to have regular maintenance check-ups with a licensed technician or don\u2019t follow through with their repair or maintenance suggestions. This is a giant pain, especially when dealing with a broken-down HVAC system on a cold or hot day as you scramble to get ahold of these records.\u00a0<\/p>\n<p>Another drawback is AFC Home Club\u2019s sample policies list many exclusions and low coverage caps, like a limit of $500 per membership term, which is one to three years, depending on the plan, for your septic system. This coverage is lackluster and insufficient to cover the <a href=\"https:\/\/todayshomeowner.com\/plumbing\/cost\/septic-tank-installation-cost\/\">cost of replacing a septic system<\/a>. Plus, items like the septic line from your home and a system clean-out aren\u2019t covered, so you\u2019re still left to pay part of the bill. Another con is AFC\u2019s lack of emergency services and its policy of being closed on nationally recognized holidays. That leaves you without service when your dishwasher breaks down on Thanksgiving or Christmas.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Bottom Line: 8.5\/10<\/h2>\n<p>If you think you would get a lot of use from AFC Home Club\u2019s large number of Club Benefits, such as discounts and deals on credit monitoring, homeowners insurance, total electronics coverage, vision insurance, and pet benefits, then this may be a solid provider for you. However, it wouldn\u2019t be my top choice because of its extensive list of exclusions. None of these exclusions are unheard of in the industry, but the large quantity of them makes it challenging to assess what is and isn\u2019t covered and makes it easier for AFC to deny your claim \u2014 something that customers brought up repeatedly in reviews. Some of these exclusions are system mismatches, lack of appliance capacity, and keeping up with system and appliance maintenance. For example, if you don\u2019t keep up with yearly maintenance on your HVAC system by a licensed technician and don\u2019t follow suggested repairs, you could be denied a later claim because you didn\u2019t maintain the appliance properly.\u00a0<\/p>\n<p>However,\u00a0 AFC Home Club delivers fair pricing, with its least expensive appliance-only plan costing around $43 a month without discounts. With discounts, this plan costs close to $36 per month, which is affordable compared to the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\">average home warranty price<\/a> ($50 or more nationwide). You can save $168 a year if you select the discounted appliance-only plan. On top of that, AFC Home Club\u2019s add-ons are reasonably priced, with most costing less than $15 per month. That\u2019s much more affordable than plans from providers like Liberty Home Guard, whose add-that average $20 to $25 per month.<\/p>\n<p><strong>The bottom line: <\/strong>I like AFC Home Club for its impressive and unique Club Benefits and its comprehensive electronics plan (especially as someone working from home). But the company\u2019s low coverage caps give me pause. For example, it only pays up to $150 per membership term for your ductwork, garbage disposal, or range exhaust per their sample policy for Platinum Plan members. This isn\u2019t much for significant repairs. Plus, the most comprehensive plan, the Diamond Plan, wasn\u2019t available in all ZIP codes when I was secret shopping.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Plans and Coverage\u00a0<\/h2>\n<h3 class=\"wp-block-heading\">8.1\/10<\/h3>\n<p>AFC Home Club has an unusual number of plan options (a total of four, more than most providers who offer two to three options). You\u2019ll find an appliance-only plan, a systems plan, a comprehensive plan covering both, plus the Diamond Plan, which covers 18 systems, appliances, and electronics. The electronics component of this plan is rare within the industry and covers items like your smartphone, laptops, monitors, home entertainment products, tablets, and smart devices like Alexa, Google Home, and smartwatches. This is something I\u2019ve only seen a few providers offer as an add-on, but it is seldom included in a plan.<\/p>\n<p>If I chose AFC Home Club for my home, I\u2019d go for the Diamond Plan. It has a total electronics plan that covers water damage, drops, and functional issues \u2014 all things that cost hundreds or even thousands of dollars to replace if you drop your TV or laptop. As someone who works from home and relies on a laptop, I find this coverage priceless. During my secret shopping, I found that the Diamond Plan wasn\u2019t available in some areas, such as parts of Alaska, so double-check that this plan is available in your area first.\u00a0<\/p>\n<p>The following monthly costs don\u2019t include the available discounts.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Silver Plan<\/em><\/td>\n<td><em>$43.50<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Gold Plan<\/em><\/td>\n<td><em>$58.08<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Platinum Plan<\/em><\/td>\n<td><em>$62.92<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Diamond Plan<\/em><\/td>\n<td><em>$97.50<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Nashville, TN. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>I especially like AFC\u2019s add-on options, including electronics and double-oven coverage, which cost around $25 and $2 per month, respectively. The limited roof-leak coverage is a steal because it only costs $25 a year (about $2 per month). Compare that to the protection of another reputable home warranty company, Elite Home Warranty, which charges $99.99 per year ($8.33 per month) for similar protection. Roof-leak coverage is critical for many homeowners because rain, snow, and heavy wind can all wear down your roof, leading to leaks and eventual water damage in your home. AFC\u2019s add-on menu includes:<\/p>\n<ul>\n<li>Central vacuum: $25\/year<\/li>\n<li>Double oven: $25\/year<\/li>\n<li>Electronic coverage: $300\/year<\/li>\n<li>Hot water dispenser: $25\/year<\/li>\n<li>In-ground pool: $100\/year<\/li>\n<li>In-ground pool and spa: $150\/year<\/li>\n<li>Limited roof leak coverage: $25\/year<\/li>\n<li>Septic system: $50\/year<\/li>\n<li>Stand-alone freezer: $25\/year<\/li>\n<li>Sump pump: $35\/year<\/li>\n<li>Well pump: $50\/year<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>AFC Home Club has standard exclusions, but its sample policies spelled out many, so read your policy closely before enrolling in a program with them. While none of the exclusions were strange, they were extensive, making it easier for AFC to deny your claim if you\u2019re not on top of maintaining your systems. Among the exclusions:<\/p>\n<ul>\n<li>Appliance inadequacy (lack of capacity)<\/li>\n<li>Code violations<\/li>\n<li>Computerized HVAC management systems<\/li>\n<li>Crane rentals<\/li>\n<li>Geothermal heating systems<\/li>\n<li>Haul-away services<\/li>\n<li>Improper installation<\/li>\n<li>Known or unknown pre-existing conditions<\/li>\n<li>Light fixtures<\/li>\n<li>Mismatched systems<\/li>\n<li>Modifications to the system of appliance<\/li>\n<li>Not liable for failure to keep up with routine maintenance<\/li>\n<li>Oil-based boiler systems<\/li>\n<li>Oversized or undersized equipment<\/li>\n<li>Window units<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Affordability\u00a0<\/h2>\n<h3 class=\"wp-block-heading\">9.1\/10<\/h3>\n<p>AFC Home Club provides homeowners with four plan options, ranging from $43 to $99, based on the quotes I gathered during my secret shopping for a single-family home in Nashville, Tennessee.\u00a0 I like that when I was secret shopping, AFC Home Club offered multiple discounts, including a discount if you pay annually, multiple deals on its website, and free roof-leak coverage. When signing up, you can choose between flat service call fees of $75, $100, or $125, giving you greater flexibility to customize your monthly premium to fit your budget.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Customer Experience<\/h2>\n<h3 class=\"wp-block-heading\">9.2\/10<\/h3>\n<p>I find AFC Home Club\u2019s customer experience smooth and efficient. Its online quote process was speedy, with the provider delivering on its \u201c30-second\u201d quote process claim. I also love that you can choose your own technician as long as they are insured and licensed. Many providers will only assign technicians within their network to service your home. So, this option is a significant bonus for homeowners with preferred technicians. If you don\u2019t have a preference, AFC sends someone from its nationwide network. Either way, you don\u2019t have to worry about researching and vetting a technician. However, the most significant benefit to AFC\u2019s customer experience is their long work guarantee of up to three years.<strong> <\/strong>Most home warranty companies offer one to two-month workmanship guarantees, but AFC guarantees repairs for the life of your plan (one to three years, depending on your contract). This guarantee even extends to situations where you choose your technician and expensive repairs like water heaters or AC units, so it\u2019s a serious benefit to homeowners wanting that extra peace of mind.\u00a0<\/p>\n<p>For more information, watch this customer testimonial from an actual AFC customer here: <\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-vimeo wp-block-embed-vimeo wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<p>\n<iframe loading=\"lazy\" title=\"AFC Customer Stories\" src=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/afc-home-club\/about:blank\" width=\"900\" height=\"506\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\" data-rocket-lazyload=\"fitvidscompatible\" data-lazy-src=\"https:\/\/player.vimeo.com\/video\/525143658?dnt=1&app_id=122963\"><\/iframe><noscript><iframe loading=\"lazy\" title=\"AFC Customer Stories\" src=\"https:\/\/player.vimeo.com\/video\/525143658?dnt=1&app_id=122963\" width=\"900\" height=\"506\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\"><\/iframe><\/noscript>\n<\/p>\n<\/figure>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Company Reputation<\/h2>\n<h3 class=\"wp-block-heading\">8.3\/10<\/h3>\n<p>AFC Home Club has mostly positive customer reviews and a solid reputation, with a B rating and an accreditation from the BBB, which gives me great peace of mind. Positive reviews highlight AFC Home Club\u2019s prompt claim response, competent repair technicians, and a positive response about customers being able to choose their service technicians. In contrast, negative reviews share that they dealt with multiple claim denials, issues with the customer service team, and low reimbursement rates. Another problem pointed out was \u201cscammy\u201d exclusions and low reimbursement rates. However, the provider\u2019s policy does state that it reimburses you based on the current cost of your appliance. In other words, you\u2019re reimbursed based on the depreciated cost of your home system or appliance, not what you initially paid out of pocket, so keep this in mind when choosing between providers.\u00a0<\/p>\n<p>While AFC\u2019s reviews aren\u2019t as stellar as providers like <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/liberty-home-guard\/\">Liberty Home Guard<\/a>, it still enjoys decent reviews overall.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em># of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B\/2.53<\/em><\/td>\n<td>164<\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3<\/em><\/td>\n<td><em>24<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.9<\/em><\/td>\n<td><em>337<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Claims Process<\/h2>\n<h3 class=\"wp-block-heading\">6.8\/10<\/h3>\n<p>AFC Home Club has a slower response time, around 48 hours, than I would like. It\u2019s much longer than that of providers like Liberty Home Guard, which responds in as little as 12 hours. AFC also doesn\u2019t provide emergency service options. If you need help after hours, you\u2019ll pay an additional fee, a significant con. The provider isn\u2019t open on nationally recognized holidays either, which can lead to greater delays \u2014 something I don\u2019t want to deal with when my leaking clothes washer is damaging my floors.<\/p>\n<p>Unfortunately, many customer reviews I read pointed out issues with the claims process, such as problems with long wait times, multiple claim denials, and poor reimbursement rates. These are things I don\u2019t want to see when shopping for a home warranty policy.<\/p>\n<section id=\"th-tips-block_16a7b5d21b85b455615635b0d9ce33f0\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p> A home warranty policy should reduce stress because you should feel assured that the provider will take care of the cost of replacing or repairing your broken-down unit. So, factor in coverage caps when shopping around to ensure your provider will cover the total cost of repairs and replacements based on your appliances.\u00a0 <\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Availability<\/h2>\n<h3 class=\"wp-block-heading\">10\/10<\/h3>\n<p>AFC Home Club provides home warranty coverage in 47 states, all except Hawaii, Washington, and California. This provider has 14 years of industry experience and has been accredited by the BBB since 2015, giving me plenty of peace of mind about its history of handling customer complaints.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Vs. The Competition<\/h2>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. Liberty Home Guard<\/h3>\n<p>Of all the providers our team has reviewed and ranked, Liberty Home Guard logged the highest score, 9.3 out of 10 stars. One of the biggest reasons for such a high score is its comprehensive plans and exorbitant number of add-ons. Liberty Home Guard has more than 40 add-on options, allowing you to tweak your plan to a larger extent than most providers. That\u2019s more available flexibility than even plans with AFC Home Club, which has four base policies. However, AFC Home Club is more affordable, especially when factoring in generous discount options and less expensive add-ons (around $10 to $15 a month compared to Liberty\u2019s $20 to $25 average add-on cost).\u00a0<\/p>\n<p>While these two providers have identical (and perfect) availability scores, Liberty Home Guard has nationwide coverage. AFC doesn\u2019t sell policies in Hawaii, California, or Washington.\u00a0\u00a0<\/p>\n<p>Liberty Home Guard is my pick between these two because of its more comprehensive coverage and fewer exclusions. It also doesn\u2019t require maintenance records to enjoy HVAC system coverage, a reality I don\u2019t like about AFC.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>Liberty Home Guard<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>10<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.9<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>7.8<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>9.1<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>10<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>9.3<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. American Home Shield<\/h3>\n<p>One of my biggest issues with AFC Home Club is its lower-than-average coverage. While the company offers up to $3,000 in HVAC coverage after you submit maintenance records, that amount still isn\u2019t enough to pay for <a href=\"https:\/\/todayshomeowner.com\/hvac\/cost\/hvac-installation-cost\/#:~:text=An%20HVAC%20system%20can%20be,add%20between%20%241%2C500%20and%20%245%2C000.\">an HVAC replacement<\/a> \u2014 or even a significant repair in some cases. American Home Shield offers generous coverage caps of up to $4,000 for appliances and $5,000 for systems. That includes coverage for an HVAC,\u00a0 a critical system that, if you live somewhere hot or cold, can get overwhelmed for months at a time.\u00a0<\/p>\n<p>However, my experience with American Home Shield\u2019s customer service isn\u2019t as positive. My research found many negative reviews citing poor customer service and underskilled technicians. It has higher-than-average prices (although you receive much better coverage than most providers, including AFC).\u00a0<\/p>\n<p>Overall, I pick American Home Shield over AFH Home Club because of the generous coverage caps and the fact that American Home Shield covers unknown pre-existing conditions and older appliances. These pros give me greater confidence in American Home Shield\u2019s service and peace of mind that it would fully cover a major appliance or home system breakdown compared to AFC, which caps out refrigerator coverage at only $150.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>American Home Shield<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>9<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.7<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>8.4<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>7.7<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>8.4<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>8.6<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. Choice Home Warranty<\/h3>\n<p>Choice Home Warranty shines because of high claim acceptance rates, which customers consistently praise in reviews. This gives me a lot of peace of mind because the last thing you want to worry about is your claim being denied while your dishwasher leaks. However, this provider is fighting the <a href=\"https:\/\/www.azag.gov\/press-release\/attorney-general-mark-brnovich-sues-home-warranty-company-misleading-arizona\">Arizona attorney general<\/a> in a consumer fraud case, which has a serious set of allegations. While still pending, this is a blow to AFC\u2019s customer reputation.\u00a0<\/p>\n<p>While I think AFC Home Club has more affordable plans and comparable coverage to Choice, its claims process is lacking, with a lower claim acceptance rate and less user-friendly processes, according to reviews. Overall, these providers are similar in their availability, plan choices, and affordability.\u00a0<\/p>\n<p>I\u2019d pick Choice if you are most concerned about claim denial, but AFC Home Club is the choice if you want extra perks like electronics coverage and special discounts on other insurance. Choice doesn\u2019t offer that coverage.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>Choice Home Warranty<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>8.3<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.9<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>8.4<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>8.3<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>8.8<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>8.6<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Who Is AFC Home Club Best For?<\/h2>\n<p>AFC Home Club is best for homeowners with many electronics, especially people who work from home and want protection for work laptops, monitors, tablets, etc. The company\u2019s Diamond Plan has impressive electronics coverage, which protects chip-based items,\u00a0 home entertainment elements, and smart electronics if they get damaged from water leaks, droppage, and more. This is a rare rider for this industry.\u00a0<\/p>\n<p>If you don\u2019t pick the Diamond Plan, you can choose this coverage as an add-on, making their plans very customizable. However, I don\u2019t recommend this provider for anyone with luxury appliances because the lower coverage caps aren\u2019t enough to fully repair or replace many items. You can be paying too much out of pocket for a repair or replacement.\u00a0<\/p>\n<div class=\"gb-container gb-container-c92c6a1f\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-d92a794c\">\n<div class=\"gb-grid-column gb-grid-column-66fa5b62\">\n<div class=\"gb-container gb-container-66fa5b62\">\n<div class=\"gb-headline gb-headline-8ca5cab2\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewbox=\"0 0 384 512\"><path fill=\"currentColor\" d=\"M97.12 362.63c-8.69-8.69-4.16-6.24-25.12-11.85-9.51-2.55-17.87-7.45-25.43-13.32L1.2 448.7c-4.39 10.77 3.81 22.47 15.43 22.03l52.69-2.01L105.56 507c8 8.44 22.04 5.81 26.43-4.96l52.05-127.62c-10.84 6.04-22.87 9.58-35.31 9.58-19.5 0-37.82-7.59-51.61-21.37zM382.8 448.7l-45.37-111.24c-7.56 5.88-15.92 10.77-25.43 13.32-21.07 5.64-16.45 3.18-25.12 11.85-13.79 13.78-32.12 21.37-51.62 21.37-12.44 0-24.47-3.55-35.31-9.58L252 502.04c4.39 10.77 18.44 13.4 26.43 4.96l36.25-38.28 52.69 2.01c11.62.44 19.82-11.27 15.43-22.03zM263 340c15.28-15.55 17.03-14.21 38.79-20.14 13.89-3.79 24.75-14.84 28.47-28.98 7.48-28.4 5.54-24.97 25.95-45.75 10.17-10.35 14.14-25.44 10.42-39.58-7.47-28.38-7.48-24.42 0-52.83 3.72-14.14-.25-29.23-10.42-39.58-20.41-20.78-18.47-17.36-25.95-45.75-3.72-14.14-14.58-25.19-28.47-28.98-27.88-7.61-24.52-5.62-44.95-26.41-10.17-10.35-25-14.4-38.89-10.61-27.87 7.6-23.98 7.61-51.9 0-13.89-3.79-28.72.25-38.89 10.61-20.41 20.78-17.05 18.8-44.94 26.41-13.89 3.79-24.75 14.84-28.47 28.98-7.47 28.39-5.54 24.97-25.95 45.75-10.17 10.35-14.15 25.44-10.42 39.58 7.47 28.36 7.48 24.4 0 52.82-3.72 14.14.25 29.23 10.42 39.59 20.41 20.78 18.47 17.35 25.95 45.75 3.72 14.14 14.58 25.19 28.47 28.98C104.6 325.96 106.27 325 121 340c13.23 13.47 33.84 15.88 49.74 5.82a39.676 39.676 0 0 1 42.53 0c15.89 10.06 36.5 7.65 49.73-5.82zM97.66 175.96c0-53.03 42.24-96.02 94.34-96.02s94.34 42.99 94.34 96.02-42.24 96.02-94.34 96.02-94.34-42.99-94.34-96.02z\"\/><\/svg><\/span><span class=\"gb-headline-text\">Best for Additional Benefits<\/span><\/div>\n<p class=\"gb-headline gb-headline-4c3064d5 gb-headline-text\">4.3<\/p>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-dc141640\">\n<div class=\"gb-container gb-container-dc141640\">\n<figure class=\"gb-block-image gb-block-image-c7b092ca\"><a href=\"https:\/\/afchomeclub.com\/app\/Landing\/HouseMethod\/medium\/threeships\/sub_ids\/other-tho\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1199\" height=\"421\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" class=\"gb-image-c7b092ca lazyload\" alt=\"AFC Home Warranty logo\" data-lazy-data-sizes=\"auto\" data-srcset=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg 1199w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-300x105.jpeg 300w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-768x270.jpeg 768w\" data-lazy-data-sizes=\"(max-width: 1199px) 100vw, 1199px\" data-lazy-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg\"\/><noscript><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1199\" height=\"421\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg\" class=\"gb-image-c7b092ca lazyload\" alt=\"AFC Home Warranty logo\" data-sizes=\"auto\" data-srcset=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg 1199w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-300x105.jpeg 300w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-768x270.jpeg 768w\" data-sizes=\"(max-width: 1199px) 100vw, 1199px\"\/><\/noscript><\/a><\/figure>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-b4770a74\">\n<div class=\"gb-container gb-container-b4770a74\">\n<div class=\"gb-container gb-container-ef53764f border-dash\">\n<p>Limited Time:<\/p>\n<p>$200 off + free roof leak coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_f2fc47d954fbfd9791d8b08697d5bfae 1\" class=\"hm-faq hm-faq--one-column\">\n<h2 class=\"hm-faq__title \" data-toc-text=\"FAQs About AFC Home Club\">FAQs About AFC Home Club<\/h2>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n Is AFC Home Club Legit? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">\u00a0AFC Home Club is a legitimate home warranty provider with accreditation through the Better Business Bureau (BBB) and over 14 years of experience in the home warranty industry.<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n How Much Does AFC Home Club Cost? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">AFC Home Club costs between $43 and $99 per month, depending on your plan, based on our secret shopping (no discounts included). Another <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">home warranty cost<\/span><\/a><span style=\"font-weight: 400;\"> to consider is AFC\u2019s service call fee, which costs either $75, $100, or $125.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n What Does AFC Home Club Cover? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">AFC Home Club covers the following (depending on your plan):\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Air conditioning and heating systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Built-in microwave<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ceiling\/exhaust\/attic fan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clothes dryer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clothes washer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dishwasher<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ductwork<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garbage disposal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garage door opener<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ice maker<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interior electrical<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kitchen refrigerator<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oven\/range\/cooktop<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plumbing systems and stoppages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water heater<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">AFC Home Club doesn\u2019t cover the following:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appliance inadequacy (lack of capacity)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Code violations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Computerized HVAC management systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Crane rentals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Geothermal heating systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Haul-away services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improper installation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Light fixtures<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mismatched systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Modifications to the system of appliance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not liable for failure to keep up with routine maintenance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oil-based boiler systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oversized or undersized equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Window units<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Read our guide about what <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/guides\/home-warranty-coverage\/\"><span style=\"font-weight: 400;\">home warranties cover<\/span><\/a><span style=\"font-weight: 400;\"> for a more in-depth look at what to expect when you enroll in a policy.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n How Do You Cancel AFC Home Club? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">You can cancel AFC Home Club during the waiting period and receive a refund. You can also cancel during your active policy and receive a prorated refund. Outside of the waiting period, you may be subject to a $75 cancellation fee.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n <\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-other-resources-for-homeowners\">Other Resources for Homeowners<\/h2>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Quick Facts Pros & Cons My Verdict AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from […]<\/p>\n","protected":false},"author":254,"featured_media":10283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[124],"tags":[],"class_list":["post-10282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-improvement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AFC Home Warranty Review: Cost & Coverage | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"Are you considering AFC Home Club for your home warranty? 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DeYoung","author_link":"https:\/\/topat10.com\/?author=254"},"uagb_comment_info":0,"uagb_excerpt":"Quick Facts Pros & Cons My Verdict AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from…","jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/topat10.com\/wp-content\/uploads\/2024\/04\/AFC-Home-Warranty.jpeg","_links":{"self":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts\/10282","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/users\/254"}],"replies":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10282"}],"version-history":[{"count":0,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts\/10282\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/media\/10283"}],"wp:attachment":[{"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
AFC Home Club isn\u2019t my favorite home warranty provider because of its low coverage caps, high number of exclusions, complaints about claim denials, and poor reimbursement rates. All of these are enough to make me want to steer clear. One of my biggest priorities is having a home warranty policy that doesn\u2019t require maintenance records and offers plenty of coverage for replacements. However, homeowners looking for benefits like electronics coverage or add-on protections for limited roof leaks, a double oven, and a hot water dispenser may enjoy this provider\u2019s service.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
Established in Marietta, Georgia, in 2009, AFC Home Warranty has a solid reputation with a B rating and accreditation from the Better Business Bureau (BBB).\u00a0 However, customer complaints about claim denials and low reimbursement rates give home warranty shoppers reason to pause.<\/p>\n
In this guide, I\u2019m diving into the good, the bad, and the ugly about AFC Home Club \u2014 where it shines and where its chief downfalls lie. In the end, you will have a nuanced look at the provider as a whole. I won\u2019t hold back on any criticisms so you have an unbiased look at AFC Home Club. Having a solid home warranty is integral to protecting yourself financially when your appliances and systems fail. You can decide whether this is the right provider for you.<\/p>\n
In addition to my secret shopping and intense research, we scored AFC Home Club using Today\u2019s Homeowner\u2019s proprietary review criteria, which include plans and coverage, affordability, customer experience, company reputation, claims process, and availability.<\/p>\n
Why Trust Us?<\/p>\n
Here\u2019s how we ranked and reviewed the nation\u2019s top home warranty companies to bring you the most accurate information.<\/p>\n<\/div>\n
76<\/p>\n
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feedback.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-8c16dcf2\">\n<div class=\"gb-container gb-container-8c16dcf2\">\n<p>152<\/p>\n<div class=\"gb-container gb-container-addedde8 gb-accordion\">\n<div class=\"gb-container gb-container-80c16dcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-eefbc2e8 gb-accordion__toggle\"><span class=\"gb-button-text\">quotes collected<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g 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C12.8752882,23.1545897 12.8674102,23.1470016 12.8583906,23.1452862 L12.8583906,23.1452862 Z M12.1430473,23.1473072 C12.1332178,23.1423925 12.1221763,23.1452606 12.1156365,23.1525954 L12.1099173,23.1665331 L12.0757714,23.7811639 C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3e6b7d8f\">\n<p class=\"gb-headline gb-headline-0a32b967 gb-headline-text\">Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"has-text-align-right\">For more information, check out our <a href=\"https:\/\/todayshomeowner.com\/home-warranty-methodology\/\">Home Warranty Methodology<\/a> page.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-afc-home-club-best-additional-benefits\">AFC Home Club: Best Additional Benefits<\/h2>\n<div class=\"gb-container gb-container-8baa4572\">\n<div class=\"gb-container gb-container-ea9f0352 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-e482a7a1 gb-button-text gb-tabs__button gb-block-is-current\">What I Like About AFC Home Club<\/button><\/p>\n<p><button class=\"gb-button gb-button-722d522f gb-button-text gb-tabs__button\">What I Don\u2019t Like About AFC Home Club<\/button><\/p>\n<div class=\"gb-container gb-container-3b162802 gb-tabs__items\">\n<div class=\"gb-container gb-container-03a33476 gb-tabs__item gb-tabs__item-open\">\n<p>AFC Home Club has its Club Benefits program built into all its plans. Benefits include deals and discounts on credit monitoring, auto insurance, homeowners insurance, total electronics coverage, vision insurance, pet benefits, and more \u2014 all uncommon coverages in this industry. I like that the company has four base plans, ranging from budget-friendly ($43.50 per month) to the upscale Diamond Plan ($97.50 a month). While more expensive, the Diamond Plan has built-in electronics coverage for water damage, drops, and other problems for many home electronics, like entertainment systems, TVs, laptops, tablets, smartphones, and more.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-b5d24608 gb-tabs__item\">\n<p>According to AFC\u2019s sample policy for its Platinum Plan, the company requires a prior annual maintenance record from a licensed technician for some repairs. This stipulation means you won\u2019t receive coverage if you fail to have regular maintenance check-ups with a licensed technician or don\u2019t follow through with their repair or maintenance suggestions. This is a giant pain, especially when dealing with a broken-down HVAC system on a cold or hot day as you scramble to get ahold of these records.\u00a0<\/p>\n<p>Another drawback is AFC Home Club\u2019s sample policies list many exclusions and low coverage caps, like a limit of $500 per membership term, which is one to three years, depending on the plan, for your septic system. This coverage is lackluster and insufficient to cover the <a href=\"https:\/\/todayshomeowner.com\/plumbing\/cost\/septic-tank-installation-cost\/\">cost of replacing a septic system<\/a>. Plus, items like the septic line from your home and a system clean-out aren\u2019t covered, so you\u2019re still left to pay part of the bill. Another con is AFC\u2019s lack of emergency services and its policy of being closed on nationally recognized holidays. That leaves you without service when your dishwasher breaks down on Thanksgiving or Christmas.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Bottom Line: 8.5\/10<\/h2>\n<p>If you think you would get a lot of use from AFC Home Club\u2019s large number of Club Benefits, such as discounts and deals on credit monitoring, homeowners insurance, total electronics coverage, vision insurance, and pet benefits, then this may be a solid provider for you. However, it wouldn\u2019t be my top choice because of its extensive list of exclusions. None of these exclusions are unheard of in the industry, but the large quantity of them makes it challenging to assess what is and isn\u2019t covered and makes it easier for AFC to deny your claim \u2014 something that customers brought up repeatedly in reviews. Some of these exclusions are system mismatches, lack of appliance capacity, and keeping up with system and appliance maintenance. For example, if you don\u2019t keep up with yearly maintenance on your HVAC system by a licensed technician and don\u2019t follow suggested repairs, you could be denied a later claim because you didn\u2019t maintain the appliance properly.\u00a0<\/p>\n<p>However,\u00a0 AFC Home Club delivers fair pricing, with its least expensive appliance-only plan costing around $43 a month without discounts. With discounts, this plan costs close to $36 per month, which is affordable compared to the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\">average home warranty price<\/a> ($50 or more nationwide). You can save $168 a year if you select the discounted appliance-only plan. On top of that, AFC Home Club\u2019s add-ons are reasonably priced, with most costing less than $15 per month. That\u2019s much more affordable than plans from providers like Liberty Home Guard, whose add-that average $20 to $25 per month.<\/p>\n<p><strong>The bottom line: <\/strong>I like AFC Home Club for its impressive and unique Club Benefits and its comprehensive electronics plan (especially as someone working from home). But the company\u2019s low coverage caps give me pause. For example, it only pays up to $150 per membership term for your ductwork, garbage disposal, or range exhaust per their sample policy for Platinum Plan members. This isn\u2019t much for significant repairs. Plus, the most comprehensive plan, the Diamond Plan, wasn\u2019t available in all ZIP codes when I was secret shopping.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Plans and Coverage\u00a0<\/h2>\n<h3 class=\"wp-block-heading\">8.1\/10<\/h3>\n<p>AFC Home Club has an unusual number of plan options (a total of four, more than most providers who offer two to three options). You\u2019ll find an appliance-only plan, a systems plan, a comprehensive plan covering both, plus the Diamond Plan, which covers 18 systems, appliances, and electronics. The electronics component of this plan is rare within the industry and covers items like your smartphone, laptops, monitors, home entertainment products, tablets, and smart devices like Alexa, Google Home, and smartwatches. This is something I\u2019ve only seen a few providers offer as an add-on, but it is seldom included in a plan.<\/p>\n<p>If I chose AFC Home Club for my home, I\u2019d go for the Diamond Plan. It has a total electronics plan that covers water damage, drops, and functional issues \u2014 all things that cost hundreds or even thousands of dollars to replace if you drop your TV or laptop. As someone who works from home and relies on a laptop, I find this coverage priceless. During my secret shopping, I found that the Diamond Plan wasn\u2019t available in some areas, such as parts of Alaska, so double-check that this plan is available in your area first.\u00a0<\/p>\n<p>The following monthly costs don\u2019t include the available discounts.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Silver Plan<\/em><\/td>\n<td><em>$43.50<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Gold Plan<\/em><\/td>\n<td><em>$58.08<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Platinum Plan<\/em><\/td>\n<td><em>$62.92<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Diamond Plan<\/em><\/td>\n<td><em>$97.50<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>Up to $250 off when you call, free roof leak protection, and $100 off applied at checkout (online)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Nashville, TN. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>I especially like AFC\u2019s add-on options, including electronics and double-oven coverage, which cost around $25 and $2 per month, respectively. The limited roof-leak coverage is a steal because it only costs $25 a year (about $2 per month). Compare that to the protection of another reputable home warranty company, Elite Home Warranty, which charges $99.99 per year ($8.33 per month) for similar protection. Roof-leak coverage is critical for many homeowners because rain, snow, and heavy wind can all wear down your roof, leading to leaks and eventual water damage in your home. AFC\u2019s add-on menu includes:<\/p>\n<ul>\n<li>Central vacuum: $25\/year<\/li>\n<li>Double oven: $25\/year<\/li>\n<li>Electronic coverage: $300\/year<\/li>\n<li>Hot water dispenser: $25\/year<\/li>\n<li>In-ground pool: $100\/year<\/li>\n<li>In-ground pool and spa: $150\/year<\/li>\n<li>Limited roof leak coverage: $25\/year<\/li>\n<li>Septic system: $50\/year<\/li>\n<li>Stand-alone freezer: $25\/year<\/li>\n<li>Sump pump: $35\/year<\/li>\n<li>Well pump: $50\/year<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>AFC Home Club has standard exclusions, but its sample policies spelled out many, so read your policy closely before enrolling in a program with them. While none of the exclusions were strange, they were extensive, making it easier for AFC to deny your claim if you\u2019re not on top of maintaining your systems. Among the exclusions:<\/p>\n<ul>\n<li>Appliance inadequacy (lack of capacity)<\/li>\n<li>Code violations<\/li>\n<li>Computerized HVAC management systems<\/li>\n<li>Crane rentals<\/li>\n<li>Geothermal heating systems<\/li>\n<li>Haul-away services<\/li>\n<li>Improper installation<\/li>\n<li>Known or unknown pre-existing conditions<\/li>\n<li>Light fixtures<\/li>\n<li>Mismatched systems<\/li>\n<li>Modifications to the system of appliance<\/li>\n<li>Not liable for failure to keep up with routine maintenance<\/li>\n<li>Oil-based boiler systems<\/li>\n<li>Oversized or undersized equipment<\/li>\n<li>Window units<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Affordability\u00a0<\/h2>\n<h3 class=\"wp-block-heading\">9.1\/10<\/h3>\n<p>AFC Home Club provides homeowners with four plan options, ranging from $43 to $99, based on the quotes I gathered during my secret shopping for a single-family home in Nashville, Tennessee.\u00a0 I like that when I was secret shopping, AFC Home Club offered multiple discounts, including a discount if you pay annually, multiple deals on its website, and free roof-leak coverage. When signing up, you can choose between flat service call fees of $75, $100, or $125, giving you greater flexibility to customize your monthly premium to fit your budget.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Customer Experience<\/h2>\n<h3 class=\"wp-block-heading\">9.2\/10<\/h3>\n<p>I find AFC Home Club\u2019s customer experience smooth and efficient. Its online quote process was speedy, with the provider delivering on its \u201c30-second\u201d quote process claim. I also love that you can choose your own technician as long as they are insured and licensed. Many providers will only assign technicians within their network to service your home. So, this option is a significant bonus for homeowners with preferred technicians. If you don\u2019t have a preference, AFC sends someone from its nationwide network. Either way, you don\u2019t have to worry about researching and vetting a technician. However, the most significant benefit to AFC\u2019s customer experience is their long work guarantee of up to three years.<strong> <\/strong>Most home warranty companies offer one to two-month workmanship guarantees, but AFC guarantees repairs for the life of your plan (one to three years, depending on your contract). This guarantee even extends to situations where you choose your technician and expensive repairs like water heaters or AC units, so it\u2019s a serious benefit to homeowners wanting that extra peace of mind.\u00a0<\/p>\n<p>For more information, watch this customer testimonial from an actual AFC customer here: <\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-vimeo wp-block-embed-vimeo wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<p>\n<iframe loading=\"lazy\" title=\"AFC Customer Stories\" src=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/afc-home-club\/about:blank\" width=\"900\" height=\"506\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\" data-rocket-lazyload=\"fitvidscompatible\" data-lazy-src=\"https:\/\/player.vimeo.com\/video\/525143658?dnt=1&app_id=122963\"><\/iframe><noscript><iframe loading=\"lazy\" title=\"AFC Customer Stories\" src=\"https:\/\/player.vimeo.com\/video\/525143658?dnt=1&app_id=122963\" width=\"900\" height=\"506\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\"><\/iframe><\/noscript>\n<\/p>\n<\/figure>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Company Reputation<\/h2>\n<h3 class=\"wp-block-heading\">8.3\/10<\/h3>\n<p>AFC Home Club has mostly positive customer reviews and a solid reputation, with a B rating and an accreditation from the BBB, which gives me great peace of mind. Positive reviews highlight AFC Home Club\u2019s prompt claim response, competent repair technicians, and a positive response about customers being able to choose their service technicians. In contrast, negative reviews share that they dealt with multiple claim denials, issues with the customer service team, and low reimbursement rates. Another problem pointed out was \u201cscammy\u201d exclusions and low reimbursement rates. However, the provider\u2019s policy does state that it reimburses you based on the current cost of your appliance. In other words, you\u2019re reimbursed based on the depreciated cost of your home system or appliance, not what you initially paid out of pocket, so keep this in mind when choosing between providers.\u00a0<\/p>\n<p>While AFC\u2019s reviews aren\u2019t as stellar as providers like <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/liberty-home-guard\/\">Liberty Home Guard<\/a>, it still enjoys decent reviews overall.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em># of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B\/2.53<\/em><\/td>\n<td>164<\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3<\/em><\/td>\n<td><em>24<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.9<\/em><\/td>\n<td><em>337<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Claims Process<\/h2>\n<h3 class=\"wp-block-heading\">6.8\/10<\/h3>\n<p>AFC Home Club has a slower response time, around 48 hours, than I would like. It\u2019s much longer than that of providers like Liberty Home Guard, which responds in as little as 12 hours. AFC also doesn\u2019t provide emergency service options. If you need help after hours, you\u2019ll pay an additional fee, a significant con. The provider isn\u2019t open on nationally recognized holidays either, which can lead to greater delays \u2014 something I don\u2019t want to deal with when my leaking clothes washer is damaging my floors.<\/p>\n<p>Unfortunately, many customer reviews I read pointed out issues with the claims process, such as problems with long wait times, multiple claim denials, and poor reimbursement rates. These are things I don\u2019t want to see when shopping for a home warranty policy.<\/p>\n<section id=\"th-tips-block_16a7b5d21b85b455615635b0d9ce33f0\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p> A home warranty policy should reduce stress because you should feel assured that the provider will take care of the cost of replacing or repairing your broken-down unit. So, factor in coverage caps when shopping around to ensure your provider will cover the total cost of repairs and replacements based on your appliances.\u00a0 <\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Availability<\/h2>\n<h3 class=\"wp-block-heading\">10\/10<\/h3>\n<p>AFC Home Club provides home warranty coverage in 47 states, all except Hawaii, Washington, and California. This provider has 14 years of industry experience and has been accredited by the BBB since 2015, giving me plenty of peace of mind about its history of handling customer complaints.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">AFC Home Club Vs. The Competition<\/h2>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. Liberty Home Guard<\/h3>\n<p>Of all the providers our team has reviewed and ranked, Liberty Home Guard logged the highest score, 9.3 out of 10 stars. One of the biggest reasons for such a high score is its comprehensive plans and exorbitant number of add-ons. Liberty Home Guard has more than 40 add-on options, allowing you to tweak your plan to a larger extent than most providers. That\u2019s more available flexibility than even plans with AFC Home Club, which has four base policies. However, AFC Home Club is more affordable, especially when factoring in generous discount options and less expensive add-ons (around $10 to $15 a month compared to Liberty\u2019s $20 to $25 average add-on cost).\u00a0<\/p>\n<p>While these two providers have identical (and perfect) availability scores, Liberty Home Guard has nationwide coverage. AFC doesn\u2019t sell policies in Hawaii, California, or Washington.\u00a0\u00a0<\/p>\n<p>Liberty Home Guard is my pick between these two because of its more comprehensive coverage and fewer exclusions. It also doesn\u2019t require maintenance records to enjoy HVAC system coverage, a reality I don\u2019t like about AFC.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>Liberty Home Guard<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>10<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.9<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>7.8<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>9.1<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>10<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>9.3<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. American Home Shield<\/h3>\n<p>One of my biggest issues with AFC Home Club is its lower-than-average coverage. While the company offers up to $3,000 in HVAC coverage after you submit maintenance records, that amount still isn\u2019t enough to pay for <a href=\"https:\/\/todayshomeowner.com\/hvac\/cost\/hvac-installation-cost\/#:~:text=An%20HVAC%20system%20can%20be,add%20between%20%241%2C500%20and%20%245%2C000.\">an HVAC replacement<\/a> \u2014 or even a significant repair in some cases. American Home Shield offers generous coverage caps of up to $4,000 for appliances and $5,000 for systems. That includes coverage for an HVAC,\u00a0 a critical system that, if you live somewhere hot or cold, can get overwhelmed for months at a time.\u00a0<\/p>\n<p>However, my experience with American Home Shield\u2019s customer service isn\u2019t as positive. My research found many negative reviews citing poor customer service and underskilled technicians. It has higher-than-average prices (although you receive much better coverage than most providers, including AFC).\u00a0<\/p>\n<p>Overall, I pick American Home Shield over AFH Home Club because of the generous coverage caps and the fact that American Home Shield covers unknown pre-existing conditions and older appliances. These pros give me greater confidence in American Home Shield\u2019s service and peace of mind that it would fully cover a major appliance or home system breakdown compared to AFC, which caps out refrigerator coverage at only $150.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>American Home Shield<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>9<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.7<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>8.4<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>7.7<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>8.4<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>8.6<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3 class=\"wp-block-heading\">AFC Home Club Vs. Choice Home Warranty<\/h3>\n<p>Choice Home Warranty shines because of high claim acceptance rates, which customers consistently praise in reviews. This gives me a lot of peace of mind because the last thing you want to worry about is your claim being denied while your dishwasher leaks. However, this provider is fighting the <a href=\"https:\/\/www.azag.gov\/press-release\/attorney-general-mark-brnovich-sues-home-warranty-company-misleading-arizona\">Arizona attorney general<\/a> in a consumer fraud case, which has a serious set of allegations. While still pending, this is a blow to AFC\u2019s customer reputation.\u00a0<\/p>\n<p>While I think AFC Home Club has more affordable plans and comparable coverage to Choice, its claims process is lacking, with a lower claim acceptance rate and less user-friendly processes, according to reviews. Overall, these providers are similar in their availability, plan choices, and affordability.\u00a0<\/p>\n<p>I\u2019d pick Choice if you are most concerned about claim denial, but AFC Home Club is the choice if you want extra perks like electronics coverage and special discounts on other insurance. Choice doesn\u2019t offer that coverage.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td\/>\n<td><strong>Choice Home Warranty<\/strong><\/td>\n<td><strong>AFC Home Club<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Plans and Coverage<\/strong><\/td>\n<td>8.3<\/td>\n<td>8.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Affordability<\/strong><\/td>\n<td>8.9<\/td>\n<td>9.1<\/td>\n<\/tr>\n<tr>\n<td><strong>Customer Experience<\/strong><\/td>\n<td>8.4<\/td>\n<td>9.2<\/td>\n<\/tr>\n<tr>\n<td><strong>Company Reputation<\/strong><\/td>\n<td>8.3<\/td>\n<td>8.3<\/td>\n<\/tr>\n<tr>\n<td><strong>Claims Process<\/strong><\/td>\n<td>8.8<\/td>\n<td>6.8<\/td>\n<\/tr>\n<tr>\n<td><strong>Availability<\/strong><\/td>\n<td>10<\/td>\n<td>10<\/td>\n<\/tr>\n<tr>\n<td><strong>Overall Score<\/strong><\/td>\n<td>8.6<\/td>\n<td>8.5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Who Is AFC Home Club Best For?<\/h2>\n<p>AFC Home Club is best for homeowners with many electronics, especially people who work from home and want protection for work laptops, monitors, tablets, etc. The company\u2019s Diamond Plan has impressive electronics coverage, which protects chip-based items,\u00a0 home entertainment elements, and smart electronics if they get damaged from water leaks, droppage, and more. This is a rare rider for this industry.\u00a0<\/p>\n<p>If you don\u2019t pick the Diamond Plan, you can choose this coverage as an add-on, making their plans very customizable. However, I don\u2019t recommend this provider for anyone with luxury appliances because the lower coverage caps aren\u2019t enough to fully repair or replace many items. You can be paying too much out of pocket for a repair or replacement.\u00a0<\/p>\n<div class=\"gb-container gb-container-c92c6a1f\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-d92a794c\">\n<div class=\"gb-grid-column gb-grid-column-66fa5b62\">\n<div class=\"gb-container gb-container-66fa5b62\">\n<div class=\"gb-headline gb-headline-8ca5cab2\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewbox=\"0 0 384 512\"><path fill=\"currentColor\" d=\"M97.12 362.63c-8.69-8.69-4.16-6.24-25.12-11.85-9.51-2.55-17.87-7.45-25.43-13.32L1.2 448.7c-4.39 10.77 3.81 22.47 15.43 22.03l52.69-2.01L105.56 507c8 8.44 22.04 5.81 26.43-4.96l52.05-127.62c-10.84 6.04-22.87 9.58-35.31 9.58-19.5 0-37.82-7.59-51.61-21.37zM382.8 448.7l-45.37-111.24c-7.56 5.88-15.92 10.77-25.43 13.32-21.07 5.64-16.45 3.18-25.12 11.85-13.79 13.78-32.12 21.37-51.62 21.37-12.44 0-24.47-3.55-35.31-9.58L252 502.04c4.39 10.77 18.44 13.4 26.43 4.96l36.25-38.28 52.69 2.01c11.62.44 19.82-11.27 15.43-22.03zM263 340c15.28-15.55 17.03-14.21 38.79-20.14 13.89-3.79 24.75-14.84 28.47-28.98 7.48-28.4 5.54-24.97 25.95-45.75 10.17-10.35 14.14-25.44 10.42-39.58-7.47-28.38-7.48-24.42 0-52.83 3.72-14.14-.25-29.23-10.42-39.58-20.41-20.78-18.47-17.36-25.95-45.75-3.72-14.14-14.58-25.19-28.47-28.98-27.88-7.61-24.52-5.62-44.95-26.41-10.17-10.35-25-14.4-38.89-10.61-27.87 7.6-23.98 7.61-51.9 0-13.89-3.79-28.72.25-38.89 10.61-20.41 20.78-17.05 18.8-44.94 26.41-13.89 3.79-24.75 14.84-28.47 28.98-7.47 28.39-5.54 24.97-25.95 45.75-10.17 10.35-14.15 25.44-10.42 39.58 7.47 28.36 7.48 24.4 0 52.82-3.72 14.14.25 29.23 10.42 39.59 20.41 20.78 18.47 17.35 25.95 45.75 3.72 14.14 14.58 25.19 28.47 28.98C104.6 325.96 106.27 325 121 340c13.23 13.47 33.84 15.88 49.74 5.82a39.676 39.676 0 0 1 42.53 0c15.89 10.06 36.5 7.65 49.73-5.82zM97.66 175.96c0-53.03 42.24-96.02 94.34-96.02s94.34 42.99 94.34 96.02-42.24 96.02-94.34 96.02-94.34-42.99-94.34-96.02z\"\/><\/svg><\/span><span class=\"gb-headline-text\">Best for Additional Benefits<\/span><\/div>\n<p class=\"gb-headline gb-headline-4c3064d5 gb-headline-text\">4.3<\/p>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-dc141640\">\n<div class=\"gb-container gb-container-dc141640\">\n<figure class=\"gb-block-image gb-block-image-c7b092ca\"><a href=\"https:\/\/afchomeclub.com\/app\/Landing\/HouseMethod\/medium\/threeships\/sub_ids\/other-tho\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1199\" height=\"421\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" class=\"gb-image-c7b092ca lazyload\" alt=\"AFC Home Warranty logo\" data-lazy-data-sizes=\"auto\" data-srcset=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg 1199w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-300x105.jpeg 300w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-768x270.jpeg 768w\" data-lazy-data-sizes=\"(max-width: 1199px) 100vw, 1199px\" data-lazy-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg\"\/><noscript><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"1199\" height=\"421\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg\" class=\"gb-image-c7b092ca lazyload\" alt=\"AFC Home Warranty logo\" data-sizes=\"auto\" data-srcset=\"https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty.jpeg 1199w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-300x105.jpeg 300w, https:\/\/d7fcfvvxwoz9e.cloudfront.net\/dom43635\/wp-content\/uploads\/2023\/01\/AFC-Home-Warranty-768x270.jpeg 768w\" data-sizes=\"(max-width: 1199px) 100vw, 1199px\"\/><\/noscript><\/a><\/figure>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-b4770a74\">\n<div class=\"gb-container gb-container-b4770a74\">\n<div class=\"gb-container gb-container-ef53764f border-dash\">\n<p>Limited Time:<\/p>\n<p>$200 off + free roof leak coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_f2fc47d954fbfd9791d8b08697d5bfae 1\" class=\"hm-faq hm-faq--one-column\">\n<h2 class=\"hm-faq__title \" data-toc-text=\"FAQs About AFC Home Club\">FAQs About AFC Home Club<\/h2>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n Is AFC Home Club Legit? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">\u00a0AFC Home Club is a legitimate home warranty provider with accreditation through the Better Business Bureau (BBB) and over 14 years of experience in the home warranty industry.<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n How Much Does AFC Home Club Cost? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">AFC Home Club costs between $43 and $99 per month, depending on your plan, based on our secret shopping (no discounts included). Another <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">home warranty cost<\/span><\/a><span style=\"font-weight: 400;\"> to consider is AFC\u2019s service call fee, which costs either $75, $100, or $125.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n What Does AFC Home Club Cover? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">AFC Home Club covers the following (depending on your plan):\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Air conditioning and heating systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Built-in microwave<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ceiling\/exhaust\/attic fan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clothes dryer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clothes washer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dishwasher<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ductwork<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garbage disposal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garage door opener<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ice maker<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interior electrical<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kitchen refrigerator<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oven\/range\/cooktop<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plumbing systems and stoppages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water heater<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">AFC Home Club doesn\u2019t cover the following:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appliance inadequacy (lack of capacity)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Code violations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Computerized HVAC management systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Crane rentals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Geothermal heating systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Haul-away services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improper installation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Light fixtures<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mismatched systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Modifications to the system of appliance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not liable for failure to keep up with routine maintenance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oil-based boiler systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oversized or undersized equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Window units<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Read our guide about what <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/guides\/home-warranty-coverage\/\"><span style=\"font-weight: 400;\">home warranties cover<\/span><\/a><span style=\"font-weight: 400;\"> for a more in-depth look at what to expect when you enroll in a policy.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n How Do You Cancel AFC Home Club? <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">You can cancel AFC Home Club during the waiting period and receive a refund. You can also cancel during your active policy and receive a prorated refund. Outside of the waiting period, you may be subject to a $75 cancellation fee.\u00a0<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n <\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-other-resources-for-homeowners\">Other Resources for Homeowners<\/h2>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Quick Facts Pros & Cons My Verdict AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. This coverage protects your TV, home entertainment systems, smart products, laptops, and your smartphone from water leaks, breakage, and more. As someone working from home, I enjoy having this peace of mind from […]<\/p>\n","protected":false},"author":254,"featured_media":10283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[124],"tags":[],"class_list":["post-10282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-improvement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AFC Home Warranty Review: Cost & Coverage | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"Are you considering AFC Home Club for your home warranty? 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DeYoung","author_link":"https:\/\/topat10.com\/?author=254"},"uagb_comment_info":0,"uagb_excerpt":"Quick Facts Pros & Cons My Verdict AFC Home Club\u2019s Diamond Plan provides specialized electronics coverage that few home warranty companies offer. 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