Owning a home is a significant investment, and unexpected breakdowns can be a financial burden. A home warranty helps mitigate these costs by covering essential systems and appliances. With AFC Home Warranty, you can protect yourself from the stress of sudden repairs or replacements, ensuring peace of mind.
AFC Home Warranty offers four flexible plans — one appliances-only plan and three combination plans — covering a wide range of home systems and appliances, including:
To further customize your plan, AFC Home Warranty allows you to purchase the following add-ons at an additional charge:
AFC Home Warranty offers 24/7 customer service, allowing homeowners to file claims at any time by phone or through their online account.
A standout feature is AFC's flexibility to use your own licensed technician rather than being limited to a pre-screened contractor network, giving homeowners more control over who handles their repairs.
AFC guarantees all repairs for the life of your plan — up to three years — at no additional cost if a covered repair fails during that period.
Some customers have reported lower-than-expected claim payouts and occasional communication issues between AFC and dispatched technicians.
Customer satisfaction with AFC Home Warranty is generally positive, with many homeowners appreciating the flexible coverage options, the freedom to choose their own technician, and the responsive claims process.
Ratings on platforms like Trustpilot and ConsumerAffairs reflect a mix of experiences, with users frequently praising the value and flexibility while some express concerns about claim payout limits and coverage exclusions.
It's important for prospective customers to carefully review the terms and conditions of the service agreement to understand coverage limits and exclusions, particularly for HVAC systems, which require documented annual maintenance.
When compared to other home warranty providers, AFC Home Warranty stands out for its unique ability to let homeowners choose their own licensed contractor and its industry-leading repair guarantee of up to three years.
While some competitors may offer broader coverage caps or lower service fees, AFC's combination of flexible service call fee options ($75–$125), four plan tiers, and electronics coverage make it a compelling choice for many homeowners.
It's recommended to compare multiple providers and plans to determine the best fit for your specific needs and budget.
AFC Home Warranty plans are available in one, two, or three-year terms, giving homeowners flexibility in how long they stay covered. Customers can choose to pay monthly or annually, with longer terms often providing the best overall savings.
AFC Home Warranty's plans cover key systems and appliances such as air conditioning, heating, plumbing, and electrical systems, along with kitchen appliances like the refrigerator, dishwasher, and oven. Optional coverage is available for specialty items like pools, spas, septic systems, sump pumps, and well pumps.
AFC Home Warranty offers three service call fee options — $75, $100, or $125 — allowing homeowners to choose a fee that fits their budget. A lower service fee results in a higher monthly premium, while a higher fee reduces the monthly plan cost.
Like most home warranty providers, AFC excludes coverage for preexisting conditions, items still under manufacturer warranty, improper installation, or lack of maintenance. HVAC systems additionally require documented annual maintenance to be eligible for coverage. Each plan includes detailed terms outlining limits, caps, and exclusions, so it's best to review your sample contract before purchasing.
Yes. In addition to the four available plans, you can customize coverage by adding optional protection for pools, spas, well pumps, roof leaks, electronics, and more. This allows homeowners to tailor their plan to fit their specific needs and home features.
AFC Home Warranty provides coverage in most U.S. states. Coverage is not currently available in California or Hawaii, so homeowners in those states should explore alternative providers.
Claims can be filed 24/7 through the AFC Home Warranty online portal or by calling their customer service line. Once submitted, homeowners can use their own licensed technician or have AFC assign one. Customers receive updates throughout the process until the repair is complete.