Last update: July 22
AFC Home Warranty has been protecting homeowners since 2009 with flexible, budget-friendly coverage across four plan tiers: Silver, Gold, Platinum, and Diamond. Unlike most providers, AFC lets customers use their own licensed technician, and every plan comes with a Club Benefits membership for exclusive savings on insurance, electronics, and more. With 24/7 claims access, no home inspection required, and unlimited HVAC repair coverage, AFC delivers strong whole-home protection at a competitive price.
Choose from Silver (appliances), Gold (systems and appliances), Platinum (expanded combo), or Diamond (full coverage)
No repeat service fee for the same repair for the entire life of your active plan, far beyond the industry-standard
All plans include member discounts on identity theft protection, auto insurance, vision coverage, pet benefits, and more
Hire your preferred licensed contractor for repairs rather than relying solely on AFC's network, with pre-approval required
Submit claims anytime online or by phone, with three service fee options to fit your budget
Eight optional add-ons available including pool and spa equipment, septic systems, sump pumps, and well pumps
Four distinct plan tiers from basic appliance coverage to a premium Diamond plan that includes smartphones and home electronics
Freedom to use your own licensed technician, a rare perk not commonly offered by home warranty providers
Unlimited HVAC repair coverage with no dollar cap on heating and cooling system repairs
Flexible service fee choices ($75, $100, or $125) that let homeowners control their monthly premium
Available in 47 states with no home inspection required and annual or multi-year contract options
Lifetime workmanship guarantee waives service fees on repeat repairs for the same issue
Option to use your own preferred licensed technician for greater convenience and control
Unlimited HVAC coverage with no repair cost cap for heating and cooling systems
Club Benefits membership included with every plan for real savings beyond standard warranty perks
Flexible pricing with three service fee tiers and annual or multi-year contract options
Coverage caps on electrical and plumbing repairs are low at $500
Depreciation policy can reduce payouts on appliances and systems older than five years
Roof leak protection is not included in any standard plan and requires an additional fee
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No home inspection needed, quick online or phone signup with instant plan options and free quote available
Four plan tiers with unlimited HVAC coverage, eight add-on options, and a Diamond plan that includes electronics
Claims filed 24/7 online or by phone, with the option to use your own approved technician for added flexibility
BBB-accredited with positive reviews citing quick approvals, knowledgeable reps, and fair, transparent pricing
Getting started with AFC Home Warranty is quick and straightforward, no home inspection or waiting period required.
1. Visit the AFC Home Warranty website or call their team to explore available plans in your area.
2. Get a free, no-obligation quote by providing basic details about your home and location.
3. Choose your plan tier: Silver (appliances), Gold (systems and appliances), Platinum (expanded), or Diamond (full home plus electronics).
4. Select your service fee level ($75, $100, or $125) and add any optional coverages such as pool, septic, or sump pump.
5. Choose an annual or multi-year contract and activate coverage instantly.
6. Access your Club Benefits membership right away for exclusive discounts on insurance, electronics, and more.
7. When a breakdown occurs, file a claim 24/7 online or by phone and arrange service through AFC's network or your own approved technician.
Covers nine major kitchen and laundry appliances including refrigerators, ovens, dishwashers, cooktops, and garage door openers. Coverage limits range from $150 to $3,000 per appliance. Ideal for homeowners who want affordable, focused protection for everyday household items.
Adds coverage for core home systems including electrical, plumbing, HVAC, ductwork, and water heaters on top of Silver appliance protection. Best for homeowners who want a single plan covering both major systems and appliances.
Builds on Gold with additional protection for plumbing stoppages, faucets, built-in microwaves, and ceiling fans, covering 15 appliances and systems total. A comprehensive choice for whole-home protection at a mid-range price.
AFC's top tier extends Platinum coverage to include smartphones, home electronics such as TVs, laptops, and tablets, plus exterior sewer and water lines. Ideal for tech-reliant households wanting maximum protection under one contract.
Extend any plan with eight available add-ons including pool and spa equipment, septic systems, well pumps, and sump pumps. Add-on coverage limits range from $150 to $500, allowing homeowners to tailor protection to their property's unique needs.
AFC Home Warranty is a strong option for homeowners who want flexible, tiered coverage without paying for more than they need. With four plan levels, unlimited HVAC protection, and the Club Benefits program built into every plan, it delivers genuine value beyond standard warranties. It works best for budget-conscious homeowners, property investors, and anyone who prefers controlling how their repairs are handled. Keep in mind that electrical and plumbing caps are low, roof leak coverage costs extra, and older appliances may see reduced payouts due to depreciation.
See what some customers are saying about AFC
Sales agent knowledgeable and answered my prepared questions. This review was elicited immediately after signing up so it does not reflect service quality, just the call experience.
I was reviewing home warranty companies online, the AFC site answered most of my questions. But to get the remaining ones answered I called and spoke to your rep. He answered my questions quickly, offered a discount off the costs, I was able to complete transactions over the phone with him. Very efficient and fast service! Appreciate it very much!
They assured me of what they covered. Their warranty was better than the previous one that I had. Staff was nice to talk to. Price was more reasonable. Hope I don't need them soon.
The technician was very professional and diagnosed the problem and ordered the part. He is scheduled to return June 11 to replace the part. Very pleasant experience.
The price is the first factor. Phone representative answering all questions is second. All were excellent.