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.

Life Happens.
Be Prepared.

AFC keeps your home running smoothly and your budget intact.

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 peace of mind for your home with America's #1 home warranty.

9 Appliances

Protection for common household appliances.

Up to 18 Appliances and Systems
Protection for common household appliances.

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

6 Systems

Protection for common household systems.

9 Appliances
From the garage to the kitchen and laundry room, our Silver Plan covers the appliances you use every day. Whether you’re baking in the oven, washing the laundry, or doing the dishes, this plan keeps your home running smoothly.
Up to 18 Appliances and Systems
This is the most complete coverage that AFC offers for your home. It covers your major home systems and appliances and also includes coverage for important home comforts like the built-in microwave, plumbing stoppages, and refrigerator ice maker.

Up to 15 Appliances and Systems
Our Gold Plan combines systems and appliance coverage into one great plan, giving you peace of mind for all the items you can’t live without.

6 Systems
Get protection for the major systems that keep your home liveable. This plan covers core items like air conditioning, heating, plumbing, electrical systems, and more..
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Every day, more home buyers, sellers, and real estate agents choose AFC to protect their homes. We make it easy to sign up and easy to use, so you can spend your time enjoying your new home.

Get coverage with AFC for your home purchase and enjoy the benefits:
- Four different levels of coverage to choose from
- 24/7 Customer Service
- Locked-in rates—no annual price hikes
- No waiting period (with a valid home inspection)

Learn more about our Real Estate Plans or Join AFC Today

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What makes our plans different?


    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.

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Using your coverage is easy!

With our online member portal, you can get help in minutes. Schedule repairs from anywhere on your phone, tablet, or computer.
New to our portal? Sign Up

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.

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!

The price depends on the type of plan and service fee amount that you choose. Check plans and pricing online or call  1-855-972-7736 for a quick free quote.

When you request service, you will have to pay your set service fee set for each issue. This payment goes to the technician, and the service fee amount is set by the plan when you sign up—AFC offers $75, $100, and $125 service fees.

You are also responsible for any costs not covered by the plan. Details on limitations of coverage can be found here.

Yes! Pay-in-full and monthly options are available.

Yes, multi-property discounts are available. Call 1-866-242-0629 to speak with a sales representative for discounted rates.

As an AFC Home Club member, you will pay a set service fee (either $75, $100, or $125) each time you request service. This fee goes directly to the technician (plumber, HVAC technician, electrician, etc.).

The amount of the service fee is set by the plan when you sign up. Plans with a higher service fee amount are generally less expensive than plans with a lower service fee. 

Giving homeowners different service fee options allows them to find coverage that meets their needs and budgets at the same time.

For example,  since homeowners with a newer home and appliances are less likely to need frequent service, they might want to save money on their plan premium by choosing a higher service fee. Homeowners with an older home may anticipate requesting service more often, and may save money by choosing a lower service fee.

No. We’ll offer you the same rate and service fee that you had when you signed up, plus you will be eligible for discounted three-year rates available only to renewing customers.

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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.