We recommend products and services based on unbiased research from our editorial team. We make money via affiliate links, which means if you click a link on our site, we may earn a commission. Any commissions we receive do not affect our recommendations; if you want to know more about how that works, read more.
AFC Home Club is a home warranty provider offering plan-based help with the cost to repair or replace covered home systems and appliances. Its current lineup includes four tiers—Silver (appliances), Systems, Gold (combo), and Platinum (expanded combo)—with optional add-ons such as roof-leak repair, well/septic, sump pump, pool/spa, stand-alone freezer/ice maker, and more (AFC coverage comparison). Contemporary quotes from major outlets place monthly premiums commonly in the ~$35–$75+ range depending on plan, state, home details, add-ons, and your chosen service call fee (Forbes Advisor; This Old House). Where AFC Home Club continues to stand out is its ability to let you choose your own licensed contractor (with approval) and its workmanship guarantee that lasts for the remainder of your plan term—far longer than the 30–60 day recall windows common across the industry (AFC; U.S. News 360 Reviews). A standard ~30‑day waiting period applies before new claims are eligible, and many covered items carry per‑item caps often cited around $3,000—verify exact limits in your state contract (U.S. News; This Old House).
AFC Home Club Overview
● Plan types: Platinum, gold, silver, and system (four core tiers; see AFC plan comparison)
● Pricing: Quote-based; recent testing places typical monthly premiums around ~$35–$75+ depending on plan, location, add-ons, and selected service fee (Forbes Advisor; This Old House)
● Service fees: $75, $100 or $125 per claim (you choose; lower fees generally increase the premium) (U.S. News)
● Workmanship guarantee: Life of the plan term on covered repairs (significantly longer than many competitors) (AFC; U.S. News)
● Contract length: 1 year or 3 years
● BBB rating: B (as of 2025; see BBB profile)
● Home inspection required? No; a standard ~30‑day waiting period applies before claims are eligible (AFC FAQs)
● States served: 49 states; not available in California or Hawaii (verify availability; Forbes Home)
● Available appliance and system coverage: By plan (appliances-only, systems-only, combo, expanded combo) with add-ons like roof-leak repair, well/septic, sump pump, pool/spa, additional fridge/freezer/ice maker, and central vacuum; per‑item limits and sub‑limits apply and vary by state/contract (often cited around $3,000 per item; roof‑leak add‑on commonly capped separately) (AFC coverage; U.S. News; This Old House)
| Plan Type | Platinum Plan | Gold Plan | Silver Plan | System Plan |
| Monthly Premiums | Quote-based; typically ~$35–$75+ monthly depending on location, plan, add-ons, and chosen $75/$100/$125 service fee (Forbes; This Old House) | Quote-based; typically ~$35–$75+ monthly depending on location, plan, add-ons, and chosen $75/$100/$125 service fee (Forbes; This Old House) | Quote-based; typically ~$35–$75+ monthly depending on location, plan, add-ons, and chosen $75/$100/$125 service fee (Forbes; This Old House) | Quote-based; typically ~$35–$75+ monthly depending on location, plan, add-ons, and chosen $75/$100/$125 service fee (Forbes; This Old House) |
| Appliances Covered | Clothes dryer, clothes washer, kitchen refrigerator, ice maker, oven, range, stove/cooktop, dishwasher, garbage disposal, garage door opener, built-in microwave (see AFC coverage) | Clothes dryer, clothes washer, kitchen refrigerator, oven, range, stove/cooktop, dishwasher, garbage disposal, garage door opener, built-in microwave (Gold combines Silver + core systems; see AFC coverage) | Clothes dryer, clothes washer, kitchen refrigerator, oven, range, stove/cooktop, dishwasher, garbage disposal, garage door opener, built-in microwave (see AFC coverage) | None |
| Systems Covered | Air conditioning/cooler, heating systems, water heater, electrical system, plumbing system, plumbing stoppages, ductwork (see AFC coverage) | Air conditioning/cooler, heating systems, water heater, electrical system, plumbing system, ductwork (see AFC coverage) | None | Air conditioning/cooler, heating systems, water heater, electrical system, plumbing system, ductwork (see AFC coverage) |
Who is this best for?
AFC Home Club fits homeowners who want to choose their own licensed technician (with prior authorization) and value a workmanship guarantee that lasts for the life of the plan term—longer than the 30–60 day recall windows that many providers use (AFC; U.S. News). It’s a practical match for newer or well‑maintained homes because AFC excludes preexisting conditions and has an initial ~30‑day waiting period (U.S. News; FTC guidance). If you want $0 service call fees or coverage for unknown preexisting conditions, consider competitors whose contracts explicitly include those features (e.g., American Home Shield covers certain undetectable preexisting issues per plan/state; Complete Protection markets $0 deductibles and flexible contractor choice).
Pros
- Long workmanship guarantee: Repairs are backed for the life of your plan term—an uncommon benefit versus the 30–60 day norm (U.S. News).
- Choose your own contractor and service fee: AFC lets you select a licensed/insured technician with approval and choose a $75, $100, or $125 service fee per claim (AFC; U.S. News).
- Broad availability and add-ons: Available in 49 states (excluding CA and HI) with optional add‑ons for items like roof‑leak repair, well/septic, and pool/spa equipment (AFC FAQ).
Cons
- No preexisting condition coverage: AFC excludes failures that existed before your effective date and imposes a ~30‑day waiting period before claims are eligible (U.S. News; FTC).
- Coverage caps and sub‑limits apply: Many items carry per‑item caps commonly cited around $3,000, and some add‑ons (e.g., roof‑leak repair) have separate limits—verify your state contract for exact amounts (This Old House; U.S. News).
The Competition
| AFC Home Club | American Home Shield | Complete Protection | Cinch | ||
| States served | 49 (excludes CA & HI) (AFC FAQ) | Most states (AHS plans) | Varies by state (Complete Protection) | Most states (Cinch) | |
| Reviews.com rating | U.S. News: ~3.8/5; Forbes: low‑4s/5 (2025) (U.S. News; Forbes Home) | See latest editorial score (U.S. News AHS) | Consumer sentiment varies; verify on platform sites (CP site) | See provider pages for current scores (Cinch) | |
| Service fee | $75, $100, or $125 | $100 or $125 (AHS) | $0 (CP) | Varies by plan; see site (Cinch) | |
| Workmanship guarantee | Life of plan (U.S. News) | 30 days (AHS) | Depends on plan/contractor (CP) | 180 days (Cinch) | |
| Customizable? | Yes | Yes | Yes | No | |
| Other | · 4 plans offered· Choose your own licensed contractor· No coverage for preexisting conditions | · 3 tiers (ShieldSilver/Gold/Platinum)· Covers certain undetectable preexisting conditions (per contract) (U.S. News AHS) | · $0 service call fee· Choice of contractor; advertises coverage for some preexisting/lack‑of‑maintenance issues (CP) | · 180‑day workmanship guarantee on covered repairs (Cinch) |
*All information accurate as of 2025; verify current terms and availability via the linked sources.
AFC Home Club compared to American Home Shield
AFC Home Club and American Home Shield both offer tiered plans, but key terms differ. American Home Shield’s current lineup uses three tiers (ShieldSilver, ShieldGold, ShieldPlatinum) with a customer‑selectable $100 or $125 service fee, and AHS typically dispatches from its contractor network. AFC lets you choose your own licensed technician (with approval) and backs repairs for the life of the plan term (AFC coverage; U.S. News). Another policy difference: AHS markets coverage for certain undetectable preexisting conditions (subject to contract), while AFC excludes preexisting conditions (U.S. News AHS; U.S. News AFC).
AFC Home Club compared to Complete Protection
The most visible difference between AFC Home Club and Complete Protection is the service fee. AFC uses a customer‑selectable $75, $100, or $125 service call fee per approved claim, while Complete Protection advertises a $0 service call fee and allows you to use your own contractor, often paying contractors directly once work is approved. CP’s marketing also emphasizes coverage for certain preexisting conditions/lack of maintenance, which AFC does not offer (U.S. News AFC). If you own an older home or anticipate frequent claims, the $0 service fee model can be attractive; if you prefer choosing your own technician and a longer workmanship guarantee, AFC’s terms are competitive.
The Bottom Line
AFC Home Club offers four plan tiers, flexible service fees ($75–$125), contractor choice, and a workmanship guarantee that lasts for the life of your plan term. Expect contemporary, quote‑based pricing commonly around ~$35–$75+ per month and per‑item coverage caps that many reviewers cite near ~$3,000, with add‑on sub‑limits (e.g., roof‑leak repair) varying by state—always read your state‑specific contract before purchasing (This Old House; U.S. News). Industry‑wide since 2020, providers have responded to inflation in parts and skilled‑trade labor by adjusting pricing and emphasizing digital triage and app‑based service, while most still offer shorter 30–60 day workmanship windows (Frontdoor/AHS 10‑K; BLS CPI). Compare AFC’s terms with other more flexible providers, and pay close attention to preexisting‑condition policies (FTC) and service fee trade‑offs when you obtain quotes.
Keep Reading
