Optional Coverage


AFC’s flexible coverage offers a plan for every budget. Your cost for coverage depends on a few details:
  • The square footage of your home
  • Which plan you choose
  • The service fee you select
  • Any additional coverage you add to your plan
You may also receive a lower price based on the payment plan you choose—plans paid annually are usually less expensive than plans paid monthly. To see your pricing, simply click here


A service fee is a common feature among home service plans. During any service request, you will pay a fee directly to the professional who comes to your home for repairs. This fee is the same for every type of professional: plumber, electrician, HVAC technician, etc.

AFC lets you choose your service fee amount—$75, $100, or $125. Which service fee amount you choose affects the cost of your plan: the higher the service fee, the lower the cost of the plan.


AFC offers coverage beyond what’s found in our plans. Check out our add-ons section to find coverage for your pool, spa, tankless water heater, and more.
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Phone calling AFC home warranty for repair service


Family dancing in living room with peace of mind from home warranty coverage


AFC Home Warranty is more than just a warranty. Our plans ensure peace of mind no matter which plan you choose. Every plan includes:

blank The longest work guarantee in the industry
blank 24/7 access to our in-house service team
blank The ability to choose your own technician
blank Additional savings on home security, insurance, shopping, and more
blank Guaranteed rate for coverage for the next five years.


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, and Washington.

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 Warranty 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 Warranty 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 Warranty, 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 Warranty. A $75 cancellation fee may be applied.

The price depends on the type of plan and service fee amount that you choose. Check plans and pricing online or call 1-866-242-0629 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 Warranty 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.

AFC is Better Business Bureau (BBB) accredited
AFC certified partner with This Old House
AFC is a member of the National Home Service Contract Association
AFC Top Ranked for 2023 Home Warranties by Consumer Advocate
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AFC ranked best home warranty by money.com
AFC is Editor's Choice for Top10.com
AFC Home Warranty rated 4.5 stars out of 5 by House Method
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*Coverage may vary per state. Please review the sample contract for specific coverage, terms, and limitations.
States We Cover

Coverage not available in WA, CA and HI