Each year, more Virginians choose to protect their biggest investment—their home—with AFC Home Club. That’s because our Virginia home warranty coverage does more to give homeowners peace of mind and shield them from expensive home repairs.

A home warranty plan protects you against expensive repair bills when things in your home stop working.

When major systems or appliances in your home break down, AFC is there to help with repair or replacement. AFC sends a licensed repair professional to your home and foots the bill for covered repairs—you just pay a small service fee.

How Home Warranties In Virginia Work

Home warranties provide a service to repair or replace mechanical appliances and home systems when they malfunction. When you need repairs, AFC sends a licensed service technician to your home and foots the bill for any qualified expenses—you just pay a small service fee for covered issues.

Once the repair or replacement is complete, AFC guarantees it for the remainder of your coverage period—that’s up to three years! No other warranty company or service provider offers such a guarantee.

Peace Of Mind

When it comes to home repairs, many homeowners have not budgeted for the unexpected. A home warranty shields you against unexpected repair cost.

A warranty helps you control and protect your budget, and AFC lets you control who comes into your home for repairs. Good help might be hard to find elsewhere, but we make it easy for our customers.

Issue Facing Virginia Homeowners

Every item in your home has a lifespan—everything breaks down eventually. Whether it’s the plumbing, refrigerator, oven, or furnace, it’s inevitable that your home systems and appliances will need repair or replacement.

While these things can happen at any moment for any reason, one particular home system is at risk in Virginia because of the climate.

With summer highs of 90 degrees and winter lows below freezing, your home’s heating and air conditioning experiences strain throughout the year. Not only is it hot in the summer, but it’s humid in Virginia, especially along the coast.

Central air conditioning actually dehumidifies your home as it cools, so when your AC stops working properly, you’ll feel the difference quickly. And if your AC stops working on a hot day, you can bet you’re not the only one.

Air conditioners tend to fail in the spring when they are first turned on, or during heat waves. That means when you’re looking for repairs, so are lots of others in your area. This can cause delays and price hikes.

The Home Repair Hassle

Reliable, affordable help can be hard to find. AFC solves this problem with our nationwide contractor network: we’ll send a licensed professional to your home for repairs ASAP.

We also let homeowners choose their own contractor, so if you have someone you trust, we’ll work with them just like they’re one of our own. And we’ll pay them directly for covered repair—see below for more information on what’s covered.

Our coverage doesn’t just protect homeowners from expensive repairs. AFC insulates customers from rising costs in the long run. We guarantee renewal rates for at least five years, so you pay the same low cost for coverage year after year, even if repair costs skyrocket.

Labor costs can increase when demand for repairs goes up, and supply shortages can make parts more expensive, but our customers don’t have to worry about any of that.

The Solution

AFC solves these problems. We’ll schedule repairs with a technician in our network of licensed professionals—or you can choose a technician on your own. We only use the best in the business, which is why we offer the longest work guarantee in the industry.

We pay technicians directly for covered repairs and even assist with replacement (please see our What’s Covered? page for exclusions and limitations). This protects homeowners from costly repair bills.

And as repair costs increase year after year, your costs won’t. We guarantee your rate for a minimum of five years to insulate our homeowners from unpredictable market prices.

Why AFC Is The Best American Home Warranty

When it comes to home warranty providers in Virginia, AFC stands above the rest. Apart from great pricing and superior in-house service:

  • We guarantee repairs longer than any other company.
  • We guarantee our rates longer than any other company.
  • We’re more transparent about exactly what’s covered.
  • We offer member benefits unlike any other American home warranty company.

Longest Workmanship Guarantee

Unlike other companies that guarantee repairs for 30 or 60 days, AFC guarantees the parts and labor of any repair for the life of the plan—that’s up to three years. We work with skilled contractors who make lasting repairs, not quick, temporary fixes.

Guaranteed Rates

We lock in renewal premiums for a minimum of five years, so even if repair costs go up, you’ll pay the same great price for coverage year after year.


We make it easy for you to know exactly what is and isn’t covered and why—just check out our What’s Covered? page for everything you need to know.

We also provide customers with dedicated account managers, so you always have someone to contact with questions. From broken to fixed, we deliver outstanding service.

Member Benefits

You get more than just a warranty with an AFC Home Club warranty plan. Your membership comes with discounts on security services, home goods, dining, shopping, and more.

In-House Customer Service

AFC Home Club is an American company, so whenever you call or email, you’re speaking with someone who lives and works in our headquarters in Atlanta, Georgia. We’re available 24/7 and each representative handles every call with care and professionalism.

Customer Reviews

Want to see what others think of our warranty company? Read our customer reviews or check our Better Business Bureau profile.

Like what you’re reading? Get a free quote in minutes.

Our Home Warranty Plans

AFC gives our members plenty of coverage options so you can choose the plan that matches what you need.

  • Want to keep your home cool in the summer (and warm in the winter)? Go with our Systems Plan.
  • Worried about appliances like your oven, fridge, or washer/dryer? Our Silver Plan covers appliance breakdowns.
  • Want peace of mind for all the important items in your home? Choose the Gold Plan.
  • Want the best possible plan out there? Go with the Platinum Plan, which offers the most extensive coverage.

Systems Plan

Our Systems Plan is our most basic plan. It includes your home’s air conditioning, heating, plumbing, and electrical systems.

This home warranty plan also covers ductwork and the water heater.

Silver Plan

Worried about appliances like your oven, refrigerator, or washer/dryer? Our Silver appliance plan will put your mind at ease. For full details on plan options visit our Plans page.

Gold Plan

Want peace of mind for all the important items in your home? Choose the Gold Plan, which is a combo plan, meaning it covers systems AND appliances. Learn more on our Plans page.

Platinum Plan

Want the best coverage from the best home warranty company, period? Go with the Platinum Plan, which offers the most comprehensive coverage, from major appliances and home systems on down.

Click here for more details on which warranty best suits your needs.

What A Home Warranty Covers

Like most home warranty policies, our plans cover mechanical breakdown on common home items. When an appliance breaks down from normal wear or use, AFC assists with repairs and replacement costs. Covered items include:

  • Clothes Dryer
  • Clothes Washer
  • Kitchen Refrigerator
  • Oven
  • Stove/Range
  • Ice Maker
  • Built-in Microwave
  • Dishwasher
  • Garbage Disposal
  • Garage Door Opener
  • Air Conditioning/Cooler
  • Heating System
  • Water Heater
  • Electrical System
  • Plumbing System
  • Plumbing Stoppages
  • Fans (Ceiling/Attic/Exhaust)
  • Ductwork

Additional Coverage

Our plans can be customized with add-on coverage for extended peace of mind. Add-ons include:

  • Septic System
  • Sump Pump
  • Well Pump
  • Pool and Spa
  • Hot Water Dispenser
  • Standalone Freezer
  • Roof Leak Coverage

For basic plan details and in-depth information on exclusions, visit our Plans page.

Service Fee Choices

With any service contract such as a home warranty, customers pay a service fee each time they make a service request. The service fee, sometimes called a deductible or service call fee, is paid directly to the technician when they come to your home.

The amount of this fee is set when you purchase your home warranty. AFC offers homeowners several options for service fee: $75, $100, $125. The amount of the affects the overall price of the plan, allowing customers to find a coverage option that works with their budget.

How To Get Started

If you’re ready to learn more about AFC Home Club, call 1-833-532-1191 or get a free quote online.

Great For Home Buyers And Real Estate Agents

When someone is purchasing a new home, there are so many unknowns—the schools, the neighborhood, the structure itself—that it’s easy for a new homeowner to be overwhelmed by the decision.

Real estate professionals, home sellers, and buyers can use a home warranty to take away some of those unknown factors. A service contract from AFC reduces the perils faced by the new homeowner.

When a covered item breaks, the buyer has a service provider in AFC—we can fix the issue without blowing their budget at such a crucial time.

AFC’s coverage increases confidence in the purchase for everyone involved.

Virginia Homeowners Insurance Vs. Virginia Home Warranty

The difference between homeowner insurance and AFC’s coverage is subtle, but important. Home insurance protects against damage from events like weather and fire, while AFC protects against everyday mechanical breakdown.

Likewise, our coverage is different from the manufacturer’s warranty on a given item, because it covers more than that item and can be renewed year after year.

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*Coverage may vary per state. Please review the sample contract for specific coverage, terms, and limitations.

Coverage not available in WA, CA and HI