Life Happens. Be Prepared.

AFC keeps your home running smoothly and your budget intact.
Find peace of mind for your home with America's #1 home warranty.

Real Coverage for Everyday Problems

When appliances break in your home, AFC is there to fix it—and cover the cost! We help repair or replace up to 24 of your home’s appliances and systems. And we do it better than anyone else.

Find the Right Plan

Silver Plan

9 Appliances

Home Warranty Appliance Plan

Protection for common household appliances.

Platinum & Gold Plans

Up to 18 Appliances & Systems

Platinum Home Warranty Quote

Combine coverage for added savings. Protects all major systems and appliances

Systems Plan

6 Systems

Home Warranty Systems Plan

Protection for common household systems.

Home Warranty Quote

Buying or selling a home?

AFC Home Club provides comprehensive home warranty plans specifically designed for home buyers and sellers.

Why choose AFC?

  • CHOICE OF TECHNICIAN

    Members can choose who comes to their house for repairs—AFC will work with any licensed, insured technician. Don’t have anyone in mind? We’ll send someone from our nationwide network of skilled contractors.

  • CLUB BENEFITS

    AFC protects more than just your home. Our plans include free credit monitoring and family emergency services as well as discounts on home security, household items, kitchen appliances, restaurants, entertainment, and more!

  • LONGEST WORK GUARANTEE

    While most companies offer a 30-day or 60-day guarantee on repairs, ours last for the life of the plan. That’s up to three years!

  • CUSTOMER RECOMMENDED

    AFC is proud to be accredited with the Better Business Bureau™ (BBB™), Consumer’s Advocate™, and ConsumerAffairs.​

  • IN-HOUSE SERVICE TEAM

    To give our customers outstanding service, we do everything in-house. From our sales representatives to our claims department, you always have an open line of communication.

  • CONVENIENCE

    AFC makes home repairs easy! We take service requests online or by phone call 24 hours a day. Once you’ve made a request, we update you every step of the way via email, phone call, and/or text message to ensure a transparent and hassle-free repair process.

WHY CHOOSE AFC?

Members can choose who comes to their house for repairs—AFC will work with any licensed, insured technician. Don’t have anyone in mind? We’ll send someone from our nationwide network of skilled contractors.
AFC protects more than just your home. Our plans include free credit monitoring and family emergency services as well as discounts on home security, household items, kitchen appliances, restaurants, entertainment, and more!
While most companies offer a 30-day or 60-day guarantee on repairs, ours last for the life of the plan. That’s up to three years!
AFC is proud to be accredited with the Better Business Bureau™ (BBB™), Consumer’s Advocate™, and ConsumerAffairs.​
To give our customers outstanding service, we do everything in-house. From our sales representatives to our claims department, you always have an open line of communication.
AFC makes home repairs easy! We take service requests online or by phone call 24 hours a day. Once you’ve made a request, we update you every step of the way via email, phone call, and/or text message to ensure a transparent and hassle-free repair process.
Top Home Warranty Coverage
Home Warranty Benefits
5 Star Home Warranty Reviews
Easy Home Warranty Claims
In-House Warranty Team
Home Warranty Work Guarantee

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Have Questions? Call us now

Frequently Asked Questions

Homeowner’s insurance generally covers large structural issues and physical damage due to weather, fire, or theft. AFC’s coverage is designed to pick up where homeowner’s insurance leaves off, covering the daily operation of the systems and appliances in your home. 

A service request follows these basic steps:

  1. When you need repairs on home systems or appliances, call AFC at 855-613-4555 or place a claim online.
  2. We’ll dispatch a technician promptly to your home—you can also choose your own if you like. You will pay the technician the service fee.
  3. The technician will diagnose the problem and contact us.
  4. The technician’s diagnosis will determine whether the issue is covered by AFC. Once approved, the technician will repair or replace the covered item with a similar or like  system/appliance based on equipment of similar features, capacity, efficiency and value.
     
  5. We will contact you after repairs are completed to make sure that they have been done to your satisfaction.

Home protection coverage insulates your budget from sudden repair costs. Instead of paying full retail price for repairs, you pay the premium for coverage and the service fee. With one of AFC’s plans, you’re covered for major and minor repairs on a long list of parts and components.

We do not require a home inspection to qualify for an AFC Home Club membership.  Any issue that occurs after your 30-day waiting period is eligible for coverage.

Note: Plans purchased upon sale of a home may be eligible for coverage to begin immediately—see Real Estate FAQs for more information.

AFC offers free enrollment several great memberships that help protect more than just your home. Visit our Club Benefits page to find out more!

No. And no other company truly is either.

A warranty can only be supplied by the manufacturer of that item. Since AFC did not manufacture your home or any of its items, what we provide is not technically a home warranty. What AFC and other home warranty companies provide are service contracts, and home warranty coverage is an agreement to repair items in your home that malfunction mechanically. In this respect, AFC is no different than any of the other service providers in the United States.

What makes AFC better than just a home warranty company is that we offer additional benefits to our members, benefits that make their lives safer and more convenient. Because of this, we consider ourselves to be the first home club that meets our member’s home warranty needs.

It’s easy! You can make requests online or over the phone—simply dial 1-855-613-4555 or click here

Yes you can. Our in-house service line is operated 24/7, so you can call 855-613-4555 at any time . Claims can also be made online.

Keep in mind that most technicians are not available after regular hours, and our service staff may be unable to make contact with technicians until the beginning of the next business day. We are not an emergency service, but you can contact an after-hours technician for late nights, holidays, or weekends—we accept repairs from any licensed, insured technician.

Factors such as demand and workload can affect how soon technicians are able to make repairs, but it’s our responsibility to have the appointment scheduled within 24-48 hours during normal working times.

If the technician’s diagnosis determines that the item cannot be repaired (often because parts are no longer available), the technician will repair or replace the covered item with a similar or like  system/appliance based on equipment of similar features, capacity, efficiency and value.

If the cost of repair is higher than the item’s value, we’ll give you the item’s fair market value towards a new item.

Yes. Please call 855-613-4555 or request service online.

Of course! While we have a great nationwide network of technicians, you also have the option to choose your own as long as they are licensed, bonded and insured. You can learn more about it here.

A work guarantee refers to a length of time after a repair during which the homeowner will not have to pay if the same issue occurs again. Most home warranty companies will guarantee a repair for 30, sometimes 60 days, but AFC Home Club offers the longest work guarantee in the industry: we’ll guarantee the cost of parts and labor on repairs for the life of the plan.

Check out our blog post on work guarantees to learn more.

You can request service as often as you need it. There is no limit on the number of times you can request service, and the number of service requests does not affect your rate. Ever.

Different plans cover different items— basic information can be found on our Plans page.

For more specific details on coverage, visit our What’s Covered page. 

Of course! Our What’s Covered page features sample contracts in PDF format PLUS detailed explanations of how our plans work.

You do not need a home inspection or maintenance records to purchase coverage, but AFC requires that HVAC systems receive annual maintenance in order to be eligible for coverage.

This means that homeowners need to have a technician perform preventative maintenance, also called a tune-up, on the unit, and be ready to present the documentation to our service staff when requesting service for a failed HVAC system.

Yes! We offer a number of add-on coverages like pool & spa, septic pump, tankless water heater, and more. Visit our Plans & Pricing page for more information.

You can request service as often as you need it. There is no limit on the number of times you can request service, and the number of service requests does not affect your rate. Ever.

AFC provides coverage in every state except for Hawaii, California, South Carolina, and Nevada.

Coverage begins 30 days after enrollment and receipt of applicable membership fees. One-year plans continue for 365 days from your signup date and three-year plans continue for three times as long.

Note: Plans purchased upon sale of a home may be eligible for coverage to begin immediately. See the Real Estate FAQ section for more information.

Unfortunately, we cannot cover everything in your home; however, AFC Home Club has some of the most comprehensive coverage in the industry.  We cover items that are in good working condition and are properly maintained at the time of enrollment.

You can download our sample membership for a specific list of covered items, limitations, maintenance requirements, and any exclusions.

Yes! AFC Home Club offers four different plans and plenty of optional coverages.  Items such as a well pump, pool and spa equipment, septic systems, stand-alone freezers, ice-makers, plumbing stoppages, and tankless water heaters are available for an additional fee at the time of enrollment.

You can customize a package to fit your needs any time.  Simply call 1-866-242-0629 and let us create a personalized plan or do it yourself online.

30 days from the date of renewal, we’ll start getting in touch with you regarding renewal. For questions regarding renewal, call 1-866-242-0629.

Yes, you can cancel at any time. With AFC Home Club, you are not locked into a contract.

If you cancel within the waiting period, you will receive a refund. After coverage has become effective, you will receive a prorated refund based on the months not used in the plan and less any service or claims costs incurred by AFC Home Club. A $75 cancellation fee may be applied.

Yes! Just call 1-855-972-7736 to transfer the plan to the buyer. 

You can start protecting your home with a plan at any time, but in order to take advantage of special real estate pricing and terms, you must set up the plan within 15 days of purchase of a home.

For plans purchased as part of the sale of a home: with a valid home inspection report, we can begin coverage immediately upon closing of the home, waiving the standard 30-day waiting period and using your closing date as the beginning of the policy.

Please note that any issues with covered items that appear on the home inspection will have to be resolved before the item will be covered (see the next question below).

Typically, any issues found in the home inspection report should be addressed by the seller prior to closing. Known pre-existing conditions that show up on your home inspection report will not be covered by AFC or any home warranty company.

When you have repairs done on your new home prior to closing, hold on to any proof-of-repair invoices—realtors usually keep copies of these documents. These invoices help AFC confirm that your home had no pre-existing issues when your membership started.

A home inspector notes whether or not the unit functions at all, but doesn’t conduct any in-depth tests. Service Champions, a Northern California HVAC company, explains:

Home buyers assume that the home inspector has tested their heating and air conditioning equipment. But the home inspector may simply turn on your furnace and air conditioner to make sure they work…. HVAC systems, like cars, can work even if there are major problems.

By contrast, preventative maintenance is performed by a licensed HVAC contractor and is geared towards increasing the lifespan and performance of your unit. During maintenance, contractors not only inspect the unit but also clean filters and coils and make any adjustments necessary. Learn more about preventative maintenance and its benefits here.

We love working with real estate professionals!

A few things to remember when helping your home buyers:

  • Real estate agents can easily create an invoice here.
  • When working with buyers, we can waive the standard waiting period, which usually extends over the first month of the plan, with a valid home inspection report. The report must be current, and we must have the document, whether supplied by the realtor or the buyer, before we can waive the waiting period and allow customers to make claims.
  • Check out the other FAQs in this section for further information. Thanks!
Furnace Diagram

Heating



Our AC coverage is for the main source of heat to the home, so it covers residential ducted units up to 5-ton capacity and below 21 SEER. Forced air, Heat pumps, Ducted Built-in Heater Boiler (Gas or Steam) are all eligible for coverage. Our Platinum and Gold plans cover up to two units, so larger homes with multiple systems will have both units covered.

Covered

Pilot & Thermocouple

The pilot light is a gas ignition source for the furnace, and the thermocouple is a safety feature that closes the gas line if the pilot light goes out. Furnaces are either ignited with a pilot light or with an electric igniter.

Power Switch

The power switch controls power to the furnace.

Wire Terminal

The wire terminal provides connections for wires from other parts of the system, such as the thermostat.

Blower Motor

The blower motor powers the fan which moves air throughout the ducts in the home.

Main Control Board

The main control board is an electronic circuit board that controls all of the major electronic functions of the HVAC system. Without it, the different mechanical components would not function together to make the system fulfill its purpose.

Thermostat Control Board

Some heating units have a separate control board for the thermostat that is separate from the thermostat. We cover those, too.

Independent Solenoid

This is a solenoid that opens and closes the gas supply valve.

Transformer

The transformer raises or lowers the voltage of electricity to meet the demand of different parts of the system such as the thermostat or blower motor.

Junction Box

This is an electrical junction box specific to HVAC systems.

Fan Control

The fan control is a circuit board that controls the function of either of the fan motors.

Bearings

Bearings facilitate the motion of moving parts on the compressor and motors.

Drain Cock

On boilers, this is a valve to release water from the system.

Fuse

Fuses protect the system against spikes in electrical current.

Relay

The relays manage the flow of high-voltage electricity in the system, controlling when the cooling system turns on and off.

Limit Control

The limit control, also called the limit switch, ensures that the furnace is at the appropriate temperature before the air handler begins moving heated air through the ducts. It also acts as a safety shut-off in case the temperature inside the unit gets too high. 

Flame Spreader

The flame spreader does just you would expect: it spreads out the burner's flame to provide more even heat distribution to the head exchanger.

Manifold

A straight metal tube that runs from the main gas valve to the burners. It distributes gas evenly across the burners.

Igniter

The igniter provides an electric ignition source to the furnace. Furnaces are either ignited with a pilot light or with an electric igniter.

Sensor

Any sensor that is part of the heating assembly. An example would be the flame sensor, which is part of a fail-safe system that shuts down the gas supply when the pilot light goes out.

Power Pack

A power pack converts power for low-voltage parts of the system.

Pulleys

Pulleys are part of the blower motor assembly and work with a belt to keep the motor operating smoothly.

Low Water Cut-off

On a boiler, this shuts the system down when the water level drops below safe operating levels. When the water returns to safe levels, the boiler will resume operation.

Coupler

A motor coupling connection

Heat Element

For electronic furnaces, this is basically for emergency heat in case the heat pump fails.

Not Covered

Improperly Installed Systems

Improperly Sized UnitsSystems that are oversized or undersized for your home do not operate as intended and experience increased wear and tear, leading to premature failure. In addition, oversized units often get stuck short-cycling, meaning that they do not run long enough cycles to maintain the right humidity in the home.

Mismatched SystemsThis refers to air conditioning systems with a mismatched condensing unit and evaporator coil. Any licensed HVAC technician will recommend against installing or running a mismatched system. These systems have less efficiency and longevity. 

Alternative Heating Systems

Geothermal Heating Components - Geothermal heating consists of pipes that run several feet underground, where the earth maintains a relatively constant temperature throughout the year. Most HVAC technicians do not perform repairs on geothermal systems, and the repairs involved are substantially different from regular HVAC repairs.

Water Source Heat Pumps - These connect to a nearby body of water and are exposed to all sorts of weathering and temperature extremes. They are uncommon and often require heavy equipment to repair.

Radiant Heating & Components - Radiant heating relies on a series of wires or pipes that run through the walls and floors and provide heat via infrared radiation. This system is separate from standard heating systems, consists of few mechanical components, and are generally not the main source of heat to the home.

Solar Heating Systems - Solar heating systems require solar panels to function, which most HVAC technicians are not qualified to repair.

Portable Units - Portable units, also known as space heaters, are often cheaper than a service call and do not require installation.

Heat Lamps -  Heat lamps are not intended to heat a home, but to keep food warm before serving or occasionally in a terrarium for a lizard or other cold-blooded animal. 

Add-ons

Add-ons for zoned systems - A zone system refers to the use of dampers in the ductwork to control how air is routed through the home. While they are convenient, a zone system is not part of the heating system itself and often requires a separate technician to make repairs.

Dampers - Dampers are part of the zoned system described above

Humidifiers - Whole-house humidifiers are added on to heating systems. They are a separate appliance and can actually reduce the operational life of the heating system.

Strainers - Strainers are an add-on for the condensate drain. They are installed when the drain has frequent problems with clogs, which is something maintenance can prevent.

Backflow Preventer - these are installed on the plumbing supply line to a boiler, and it prevents water in the boiler system from flowing back into the houses plumbing supply lines.

Fuel Storage Tanks - These tanks are placed outside and provide a fuel source such as propane or natural gas for the home. These are present when the gas supply is not directly piped into the home by a utility company. It is a separate system from the HVAC system.

Leak Detection

Leak searches are exploratory work that is separate from the repair process. Also, if you believe you are experiencing a gas leak, call your local gas utility or the fire department immediately.

Maintenance-Related Items

Maintenance - Maintenance is the homeowner's responsibility. No coverage can replace preventative measures, and having a warranty does not mean that homeowners do not have to care for their appliances and systems.

Valves & Nozzles - Valves are mostly used for servicing and diagnosing unit and should be replaced if they fail during maintenance. They don't fail mechanically and are cheap to replace.

Water leaks - Just like drain-line stoppages and noise, Water leaks can be easily prevented by routine maintenance. Changing filters regularly and having annual maintenance can completely eliminate these issues.

Drain-line StoppagesDrain lines coming from an HVAC system should only contain water, so if these lines are clogged by algae or dirt, it’s a sign of improper installation or lack of maintenance. Unclogging these stoppages is generally cheaper than the cost of a service fee, and it’s easy to do yourself.

NoiseWhile a noisy air conditioner is not ideal, it’s an issue that is easily addressed by routine maintenance. During maintenance, technicians will lubricate and clean parts, minimizing or eliminating unnecessary noises.

Filters for air and oil - Filters are made to be cleaned or replaced regularly and contain no moving or mechanical parts.

Non-mechanical Parts

Heat Exchangers - Heat exchangers are a closed system and are built to last. Most come with a 20-30 year guarantee, while others come with a lifetime guarantee. They only fail when they crack from water coming down the flue, which is something HVAC technicians monitor during routine maintenance.

Line Dryers & Filters - These are part of the closed system and are usually changed when changing compressor coils or modifying the system.

Flues & Vents - Flue piping carries exhaust gases to the exterior of your home. It contains no mechanical parts and fail only if improperly installed or exposed to the elements.

Evaporator Coil Pan - Catches condensation coming off the evaporator coils. This is a pan that contains no mechanical parts.

Primary or Secondary Drain Pan - These pans catch overflows under the coils. They contain no mechanical parts, and if maintenance is performed, the pans will drain properly.

Vent Registers

These are the grills that are on the walls, floors, and ceilings of the home. They require nothing more than a screwdriver to replace and are much less than the cost of a service fee. Most do not contain moving mechanical parts.

Exterior Boiler Components

These components are subject to extreme temperature changes and weather, and so may fail prematurely.

https://www.bbb.org/us/ga/marietta/profile/home-warranty-plans/afc-home-club-0443-27282410
AFC Home Warranty-Google-Reviews
https://www.consumeraffairs.com/
https://www.thebalance.com/best-home-warranty-companies-4158878
https://www.reviews.com/home-warranty/afc-home-club/
https://homeservicecontract.org/
https://bestofhomewarranty.com/
https://www.consumersadvocate.org/
top10.com
https://housemethod.com/reviews/americas-first-choice-home-club-reviews/
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One feature of AFC’s superior customer service: you can use a licensed contractor of your choice for repairs. Unless you’re a first-time homebuyer who is new to the area, there’s a good chance you already know a top-tiered company you trust to work on your home.

We try to make the process convenient—simply give us a phone call to let us know that you have an issue and you’re using your own person, then have the contractor call us with the diagnosis (step-by-step directions are here if you need them).

We like working with trustworthy repair companies and giving our customers peace of mind. In fact, if you use your own contractor to get a second opinion on a repair, and your contractor is correct, we’ll reimburse you for the service call.

While AFC is not an emergency service and does not handle emergency claims, you are welcome to find a licensed contractor that is available on nights or weekends if you need emergency service.

The repair, claims process, and service call fee would be the same, you would simply receive a quicker response time for that repair by using a licensed contractor of your choice.

AFC brings our club members more with their membership. With any of our service contracts, from a basic plan to platinum coverage, our customers can take advantage of free programs and discounted services and goods. Here are a few examples:

Customers receive a free MoneyTips subscription, which monitors their credit, offers financial tips, and protects against identity theft. This service is particularly helpful for first-time homebuyers who might be new to balancing their expenses.

ADT, the premier home security service provider, offers discounted rates to AFC members, providing peace of mind and safety, especially for those who just made purchase of a home in a new area.

AFC has partnered with our parts-supplier, Encompass, to create a one stop shop for household goods. Need filters for your AC unit? Your water heater? Supplies for your electrical systems? Kitchen accessories? There are some things that neither homeowner’s insurance nor home warranty service contracts cover, and for those situations, Encompass has what you need with great service and prices.

Visit our Club Benefits page for more perks. Our benefits make AFC more than a home warranty—we’re the warranty industry’s first home club!

When contractors complete a repair, they guarantee the parts and labor on that repair for a given length of time, referred to as a work guarantee. Most American home warranty companies offer guarantees for the first month after the repair, but AFC guarantees the repair for the life of your plan. Depending on your plan length, that’s either one year or three.

The work guarantee applies to even the most expensive home repairs, like water heaters and AC units, and it also applies when members choose their own contractor.

We’re able to offer the longest work guarantee because we work with the best. When choosing a service provider for repairs, we look at reviews, the BBB™ (Better Business Bureau™), and feedback from our own customers.

If you’re not already a member and haven’t experienced what AFC has to offer, we encourage you to read our Google Reviews, check our BBB™ page and ratings, and learn more about us from consumer sites.

Our in-house service team is dedicated to providing you great service, with quick response times and convenient, courteous follow-up via text message, phone, and email. It doesn’t matter whether you have a basic plan or platinum coverage, you’ll be treated as a valued club member.

Our dedicated account managers can also assist you with making monthly payments, checking account status, renewing accounts, or adding additional properties. While we are not an emergency service, we can provide you with directions for choosing your own contractor for emergency claims.

AFC offers things other companies can’t, like in-house service, the ability to use a licensed contractor of your choice, 24/7 claim acceptance, and a range of payment options for each plan.

AFC also provides dedicated account managers that service your account throughout your membership. This makes it easier to speak directly with someone who knows the history of your home and repairs.