AFC Home Warranty Review: Plans and Pricing in 2026

Pros and Cons

AFC Home Warranty Overview

AFC Home Warranty — previously known as America’s First Choice Home Club — offers coverage in every U.S. state except California, Hawaii, and Washington. Based in Kennesaw, Georgia, the company has built a reputation for offering flexible plans and the longest work guarantee in the industry, meaning repairs are covered for the life of your policy, or three years.

>> Learn More: Read our 2026 Guide to Home Warranty Plans for Seniors.

We appreciate that AFC Home Warranty provides sample contracts on its website as well as details about specifics in each plan’s coverage. These details are crucially important, and AFC fits the bill by providing these helpful resources to buyers so they understand coverage parameters. We also like that buyers can cancel during the 30-day waiting period for a full refund.

If you cancel after coverage starts, AFC issues a prorated refund minus a $75 fee and any completed service costs as well. That's comparable to American Home Shield's policy, which also offers a full refund within 30 days and a prorated refund afterward, minus an administrative fee.

Here are a few other features we like about AFC Home Warranty plans:

Choose Your Own Technician

AFC lets members hire their own licensed technicians, which is great for older adults who already have  repair people that they trust. We appreciate this because many home warranty companies, such as American Home Shield, only let you use your own repair technicians under very limited circumstances.

Remember, however, that this policy doesn’t mean you can hire whomever you want and just submit an invoice to AFC Home Warranty for reimbursement. The technician must be licensed and approved by AFC Home Warranty, and the company also must approve the repair diagnosis and costs for the work before they’ll cover the costs.

Unlimited Service Requests

One of the best things about AFC Home Warranty is that there’s no cap to the number of times you can file a claim with the company; plus, using the plan more often doesn't raise your rate.

High Per-Category Coverage Caps

Like most home warranty companies, AFC Home Warranty has established limits per repair category. So for example, AFC's contract terms note caps of around $3,000 per appliance, $1,000 for water heaters, and $500 each for electrical and plumbing issues. Make sure you review service term limits for the systems and appliances covered in your plan as well as service exclusions, such as coverage for appliances older than 5 years old.

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Three-Year Workmanship Guarantee

AFC’s biggest selling point is its workmanship guarantee. If you have a technician come out to fix an issue but you experience a failure afterwards, AFC Home Warranty will send another technician to fix the problem for free for the lifetime of your plan.

Although it’s not necessarily one of our “faves,” we also want to note that AFC Home Warranty coverage begins 30 days after you sign up for a plan, which is fairly standard across the industry. Some Liberty Home Guard plans, on the other hand, come with 60-day waiting periods with certain add-ons or coverage combinations.

That means if something breaks or malfunctions in the first month after you purchase a plan, it won’t be covered. Home warranty companies typically do this to prevent people from purchasing a plan specifically to fix an existing failure in a system or appliance.

>> You Might Like: If you’re concerned about your safety as you age in place, read our 2026 Guide to Medical Alert Systems.

AFC Home Warranty Plans and Pricing

AFC Home Warranty offers plans in four coverage tiers, with each tier’s coverage building upon the last. Monthly costs depend on your home's square footage, the plan, and any add-on coverage you select, as well as your preferred service fee. Monthly fees are higher if you go with a $75 service fee or lower if you agree to a $100 or $125 service fee per claim.

Here’s a handy chart detailing each plan available in our area. Keep in mind that prices vary depending on the size of your home and the coverage and service fees you choose. Also remember to familiarize yourself with the coverage exclusions and exceptions in your particular plan.

Again, your actual costs will depend on your individual needs and circumstances. We appreciate that AFC Home Warranty plans offer lower fees if you pay for a year of service up front.

For example, the Gold plan with a $125 service fee would cost us $792 annually if we paid up front, compared with $879.96 if paid month to month over the year, which is a considerable savings. Annual payments with a $75 service fee would be $888.

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For another example, the Diamond plan with a $125 service fee costs $1,326 if you pay for a year up front, or $1,422 annually with a $75 service fee. If you opt to pay month to month for the Diamond plan with a $75 service fee, you’ll pay $1,572 for 12 months of service.

Add-Ons and Optional Coverage

Below are a few of the add-ons you can tack onto your plan and how much they cost. (These prices are the same no matter which plan you choose.)

Buying Experience: Signing Up and Getting Support

We found it was easy to get a quote for an AFC Home Warranty plan: Just enter your address on the website or call, and a representative will walk you through plan options based on your home's size and systems. No home inspection is required to enroll. After a waiting period for service, you can call a 24/7 claims phone line or the online member portal.

One drawback worth noting: AFC doesn’t have a mobile app, like American Home Shield does. While you can always track service calls and repair records through AFC’s website’s dashboard, we preferred the convenience of a mobile app. Still, this may not be an issue for some older adults. Also worth noting is that in order to cancel, you need to notify AFC Home Club at least 30 days before your current contract ends. If you miss that window, your plan will automatically renew for a one- or three-year term.

How AFC Home Warranty Compares to the Competition

AFC's monthly premiums run an estimated $35 to $132 depending on the plan and service fee you choose, and the company doesn’t charge a separate enrollment fee. Members can pay monthly or annually, which is good news since paying annually can save you money over a year compared with paying month to month. We also like that you can choose the service fee you want to pay, either $75 or $125 per call. (Service fees are common with home warranty companies.)

>> Further Reading: Our Ultimate Guide to Senior Discounts in 2026

How does AFC’s plans stack up compared to other home warranty companies? AFC Home Warranty's standout feature is the company’s claim of the longest work guarantee in the industry, which backs parts and labor for the full plan term (up to three years). That’s a much longer period than the industry standard of a 30-to-60-day workmanship guarantee window, which can give seniors aging in place more peace of mind.

However, American Home Shield’s plans are a little cheaper than AFC plans: Starting at $29.99 a month, American Home Shield’s ShieldSilver plan provides some coverage for plumbing, electrical, heating, and air conditioning systems. AFC’s lowest-tier plan starts at $35, depending on individual factors. ARW Home plans start at around $40 a month, but the company notes on their website that subscribers can expect rate increases after their first year.

Some competitors might advertise higher coverage limits for certain appliances or systems. For example, American Home Shield has a high coverage limit of $5,000 per HVAC system. By contrast, AFC Home Warranty might cap payouts at $3,000. Remember also that AFC also may request the previous year’s maintenance records for your system showing that no repairs were recommended and will base payouts on the system’s depreciated value. However, this is common in home warranties. By contrast, American Home Shield doesn’t require maintenance records for the previous year before approving a repair or replacement for maintenance records.

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Plan availability is comparable to other companies in the industry: AFC Home Warranty is available in 47 states, while ARW Home is available in all 50 states and American Home Shield is available in 48 states as well as Washington, D.C. All three companies offer a 30-day money-back guarantee, if you change your mind after signing up for a plan.

The company has a B rating with the Better Business Bureau, and reviews on sites such as Trustpilot, include both positive reviews, along with some complaints, which include long waits to reach a live representative and disputes over denied claims. However, these are common complaints industrywide.

Is AFC Home Warranty Right for Seniors?

Home warranty plans can be most attractive for many seniors who want to stay in their beloved homes as long as possible. Home upkeep and maintenance can become more difficult as people get older, and seniors on a fixed budget can benefit from some extra protection against unexpected and expensive home repairs and replacements.

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We carefully considered which home warranty companies seniors could feel good about putting their trust in and AFC earns our recommendation by providing affordable plans with the most generous workmanship guarantee in the industry. We also like the value AFC provides with affordable plans, flexible and customizable coverage, and the ability to request a technician 24/7.

That said, if you anticipate pricey repairs in the future, read your contract carefully so you understand the service exemptions and limits on payout amounts.

Conclusion

If good coverage and a long workmanship guarantee sound appealing, the company is definitely worth considering to help protect your home. Although the lack of a mobile app may be a slight downside for some, we appreciate that AFC Home Warranty lets subscribers use their own approved technicians in certain cases. Additionally, older adults don’t need to have a home inspection to purchase a plan. You also can make as many service requests as you need to without fear that your rates will go up.

After thoroughly evaluating several home warranty companies, we’re confident that AFC Home Warranty provides value for older adults who wish to stay in their homes safely and for as long as possible. Just make sure you read your contract thoroughly so you understand any limitations in your coverage.