Quick answer: AFC Home Warranty scores 3.9 out of 5 with us. All four sample contracts we read (Silver, Gold, Platinum and Diamond) pay up to $3,000 per item and $50,000 in total per contract term. Disputes go to binding arbitration in most states, and AFC is rated B by the BBB and accredited since 2015.
AFC Home Warranty: HomeWarrantyScope Editorial Score
★★★★☆ 3.9/5
Contracts read: Silver AFCHWSI28, Gold AFCHWG28, Platinum AFCHWP28, Diamond AFCHWD28 (no issue date printed) · BBB: B, accredited
Score based on the four published sample agreements and the BBB profile, read on November 4, 2026 (BBB re-read November 12, 2026). Not a paid placement or customer survey. See how we calculate this score →
Most pages that rank for AFC Home Warranty reviews repeat the company marketing. This review does something different: we read all four of AFC Home Club’s sample contracts page by page and checked its BBB profile, so every number below comes with a page reference. AFC Home Club is a corporation organized under the laws of Georgia (Gold, p1).
Unless we name a plan, page numbers come from the Gold sample (AFCHWG28). The same clauses appear in the other three samples, sometimes a page earlier or later. Sample contracts are not your own contract, so check the one you are offered. For the bigger picture, see our ranking of the best home warranty companies.
Our AFC Score, Explained
We score every company on the same published points (see how we rate). Here is how AFC’s 3.9 is built from its own contracts and BBB profile. These are editorial judgments, not averages of customer votes.
| What we weighed | Score | Why |
|---|---|---|
| Coverage breadth | ★★★★★ 4.5 | Four plans from appliances only to appliances, systems and add-ons, plus many optional items (p3-5). |
| Dollar limits | ★★★★ 3.5 | $3,000 per item and $50,000 per term (p2, p7), but small caps on ductwork, electrical, plumbing and the water heater (p3-4). |
| Waiting period and pre-existing conditions | ★★★★ 3.5 | 30-day wait (p1); known and unknown pre-existing conditions are not covered (p1, p5). |
| Dispute terms | ★★★★ 3.5 | Binding arbitration with a class action waiver (p7), softened or removed in several states (p9-12). |
| Cancellation and refunds | ★★★★★ 4.5 | Full refund in the first 30 days, pro rata after that (p8); a $75 fee applies after the waiting period. |
| BBB profile | ★★★★ 4.0 | Rated B and accredited, with 174 complaints in three years. |
The Four AFC Plans Compared
AFC sells four plans: Silver, Gold, Platinum and Diamond. The biggest jump is between Silver and Gold, because Silver covers appliances only. A ✓ means the plan covers it in the sample contract, and a ✗ means it does not.
| Covered in the sample contract | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|
| Appliances listed | 7 | 7 | 9 | 9 |
| Oven, dryer, washer, dishwasher, refrigerator, disposal, garage door opener | ✓ | ✓ | ✓ | ✓ |
| Built-in microwave and refrigerator ice maker | ✗ | ✗ | ✓ | ✓ |
| Heating and air conditioning | ✗ | ✓ | ✓ | ✓ |
| Ductwork, water heater, interior electrical, plumbing, ceiling fan | ✗ | ✓ | ✓ | ✓ |
| Plumbing stoppages and faucets | ✗ | ✗ | ✓ | ✓ |
| Electronics program (smartphones) | ✗ | ✗ | ✗ | ✓ |
| Water and sewer line program | ✗ | ✗ | ✗ | ✓ |
| $3,000 per item and $50,000 per term | ✓ | ✓ | ✓ | ✓ |
Where we read it: appliances and systems on p3-4 (Silver p3); $3,000 per item on p2; $50,000 per term on p7 (Silver p6). The Gold contract says stoppage and faucet coverage applies only to Diamond and Platinum unless added on (p4). Diamond electronics are on p16-18 and water and sewer lines on p21-23.
AFC Dollar Limits
AFC will pay up to $3,000 per item per contract term unless an item has its own lower cap, and no more than $50,000 in total per term (p2, p7). Annual limits do not compound or carry into the next term (p5). The sub-limits matter more than the headline number:
| Item | Limit in the sample | Plans |
|---|---|---|
| Water heater (up to 75 gallons) | $1,000 per term (p3) | Gold, Platinum, Diamond |
| Ductwork | $150 per term (p3) | Gold, Platinum, Diamond |
| Interior electrical | $500 per 12 months; outlets $150 (p3-4) | Gold, Platinum, Diamond |
| Plumbing | $500 per 12 months (p4) | Gold, Platinum, Diamond |
| Stoppages and faucets | $300 per term and $150 per 12 months, taken from the plumbing limit (p4) | Platinum, Diamond |
| Ceiling, exhaust or attic fan | $150 per term (p4) | Gold, Platinum, Diamond |
| Code upgrades (HVAC) | $150 aggregate per term (p3) | Gold, Platinum, Diamond |
| Refrigerant and thermostat | $25 per pound up to 10 lbs; thermostat up to $80 (p3) | Gold, Platinum, Diamond |
| Garbage disposal | $150 per term (p3) | All four |
| Garage door opener | $500 per term, not the door, track or spring (p3) | All four |
| Built-in microwave | $500 per term (Platinum p3) | Platinum, Diamond |
| Ice maker | $300 per term (Platinum p3) | Platinum, Diamond |
In plain terms, a failed water heater is capped at $1,000 even though the headline says $3,000. Our water heater replacement guide explains why that gap matters.
Optional coverage
Pool and spa equipment ($500 aggregate per 12 months), well pump ($500), sump pump ($500), central vacuum ($150), stand-alone freezer ($500), second refrigerator ($500), second oven of a double oven ($500), septic ($500), hot water dispenser ($150) and roof leak repair ($250) are optional add-ons (Gold p4-5). The sump pump covers groundwater use only and must be permanently installed in the foundation or an attached garage (p4); see how long a sump pump lasts. An option bought in the first 30 days starts a new 30-day wait; after that it needs an inspection at your expense and AFC’s approval (p4).
What AFC Does Not Cover
- Pre-existing conditions, known or unknown (p1, p5).
- Rust, corrosion and improper operation, plus collapsed ductwork (p5).
- Secondary damage caused by a non-covered item (p5).
- Anything not listed: items not explicitly classed as covered are non-covered (p1).
- Mold, carbon monoxide, lead paint and asbestos costs (p5).
- Commercial-grade equipment and work done by an unlicensed technician (p6-7).
- Manufacturer-recalled or under-warranty units (p6).
- HVAC and tankless water heaters without maintenance proof: AFC asks for a licensed technician’s record from the last 12 months (p6).
Two clauses surprise people. AFC may pay cash instead of repairing a worn-out item, using a third-party valuation (p5), and it will not send a technician when coverage for an item is $250 or less; it may offer a buyout instead (p6). For the bigger picture, see our guide to the pre-existing condition clause.
Waiting Period
The first 30 days after purchase are a waiting period: no service requests are accepted (p1). Renewals have no waiting period (p8). On a real estate purchase, the wait can be waived with an inspection report, but claims in the first 30 days are capped at $150 (p6). Our waiting period guide shows how this compares across companies.
How AFC Claims Work
- Submit a request online or by phone, any time of day (p2).
- AFC starts service within 24 hours, though assigning a technician can take up to 48 hours (p2).
- Pay the Diagnostic Fee, which is non-refundable and works like a deductible (p1, p2).
- Use AFC’s technician. If you want your own, you need approval before the work (p2).
What is the AFC service fee?
The contract does not give a dollar figure. It says the Diagnostic Fee is listed on your Declaration Page (p2). According to AFC’s own website, not the contract, its plans page (checked November 4, 2026) says you choose $75, $100 or $125. Always get the number in writing.
Arbitration: Your State Changes the Rules
The base contract sends every dispute to binding arbitration run by New Era ADR, on an individual basis, with a class action waiver (p7). Georgia law governs (p8). You also give up claims beyond the cost of the equipment (p7).
State sections change this. Here is what we found in the Gold sample:
| State | What the state section says | Page |
|---|---|---|
| Georgia | Arbitration agreement removed entirely | p9 |
| Wisconsin | Arbitration provision deleted | p12 |
| Arizona | Arbitration is mandatory, but the outcome is non-binding | p9 |
| Oregon | Outcome is non-binding; either party can reject the award and sue | p11 |
| Utah | Arbitration is an alternative to court, and the decision is binding | p11 |
| Wyoming | Arbitration is voluntary, then binding | p12 |
The other rider states (Alabama, Iowa, Kentucky, Missouri, Nevada, Oklahoma, South Carolina and Texas) do not mention arbitration changes. For wider context, our contract decoder explains these clauses.
Cancellation and Refunds
- First 30 days: new members can cancel for a full refund (p8).
- After 30 days: a pro rata refund, less service requests AFC paid and time used (p8).
- $75 cancellation fee applies after the initial waiting period (p8).
- AFC can cancel only for non-payment, threats, unpaid Diagnostic Fee or misrepresentation (p8). No refund is due if it cancels for non-payment.
- Transfer: moving the contract to a new owner costs $50 (p8).
State sections change the fee: $25 in Alabama, Nevada and Texas (p9-11), the lesser of $75 or 10% in Arizona (p9), the lesser of 10% of the unearned price or $75 in Georgia (p9), and 10% of the provider fee in Wisconsin (p12). Our cancellation guide covers the steps.
Where AFC Is Available
Only 14 state sections appear in the AFC contracts: Alabama, Arizona, Georgia, Iowa, Kentucky, Missouri, Nevada, Oklahoma, Oregon, South Carolina, Texas, Utah, Wisconsin and Wyoming (Gold p9-12). Other states are listed on AFC’s website without a contract section, so treat them as “per AFC’s website.”
California, Washington and Hawaii: unconfirmed among AFC’s own sources. The state list on AFC’s website includes them, while a note at the bottom says “Coverage not available in CA, WA and HI.” None of the four contracts has a section for those states. Check with AFC in writing before you buy, and see our California guide.
AFC says it is not insurance: “THIS IS NOT A PRODUCT OF INSURANCE” (p1). In some states, such as Georgia and Kentucky, the rider says performance is guaranteed by a surety or performance bond (p9).
Diamond Add-Ons and Oncourse
Diamond adds two programs after the core contract. They have their own terms, and they are separate from the AFC contract.
- Electronics (p16-18): up to four smartphone claims in a rolling 12 months, each capped at the lesser of $2,500, the purchase price or the MSRP, with $5,000 in total per 12 months.
- Water and sewer lines (p21-23): the obligor is Oncourse Home Solutions, LLC, administered by American Water Resources, LLC. Protection starts 30 days after purchase, renews yearly, and pays up to $7,500 per occurrence for each line. The water line has no service fee, and the sewer line has a $50 fee (p23).
Pages 25-33 are another set of terms in which “Company” means Oncourse (p25). It uses AAA arbitration with a class waiver (p25-27), lets you opt out of arbitration by certified mail within 30 days (p27), and applies the law of the state where your home is located (p27). It also has its own state sections for 29 states and the District of Columbia, including Florida (p28-29). These sections do not prove AFC’s core contract is offered there.
AFC BBB Rating and Complaints
AFC is rated B and is accredited since 2015. As of November 12, 2026, its BBB profile shows 174 complaints in three years, 37 in the last 12 months and 358 customer reviews. Accreditation is a paid membership, so we weigh the letter rating and the complaints more. Read the AHS review to see how a B-rated peer compares.
AFC vs Liberty Home Guard
People often compare AFC with Liberty Home Guard. We rate Liberty 3.1 out of 5 on its own contract, so this is a side-by-side of published terms, not a score swap. Liberty’s sample publishes section letters, not page numbers.
| Question | AFC (four samples) | Liberty (sample policy) |
|---|---|---|
| Per-item limit | $3,000 (p2) | $2,000 (section H.10) |
| States an overall limit? | ✓ $50,000 per term (p7) | ✗ None stated |
| BBB rating | B, accredited | Not Rated, not accredited |
| Pre-existing conditions covered? | ✗ Known or unknown (p1, p5) | ✗ Excluded (section H.3) |
| Binding arbitration with class waiver? | ✓ New Era ADR (p7) | ✓ AAA (sections K.6, K.7) |
| Full refund window | 30 days, then pro rata (p8) | 30 days less $50 and paid claims (section J.1) |
| Service fee published? | ✗ Not in contract; website says $75 to $125 | ✗ Number not published |
AFC wins on limits and BBB standing. Liberty’s sample sets a lower per-item cap and does not state an overall limit. Compare both in our cost guide.
Who AFC Suits, and Who Should Look Elsewhere
AFC may suit you if:
- You want an appliances-only plan (Silver) from a company with a B BBB rating.
- Your home is in a state with an AFC section, especially Georgia or Wisconsin, where arbitration is removed.
- You want optional add-ons such as a pool, well pump or septic system.
Look elsewhere if:
- You need a high water heater or ductwork limit; AFC caps them at $1,000 and $150.
- You live in California, Washington or Hawaii, where availability is unconfirmed.
- You want the highest total limit. Our Cinch review and 2-10 review show other approaches, and the Choice review covers a third.
Comparing another company by its contract? Read our First American Home Warranty review, where kitchen appliance limits reach $7,000 on its top plan. For a company with a lower BBB grade, see our Liberty Home Guard review. See also our Home Warranty of America review, which reads its two contract forms.
AFC Home Warranty Reviews: FAQ
Are AFC Home Warranty reviews mostly positive?
Our reading is mixed to positive. The written terms are clear and the refund window is fair, while the BBB profile shows 174 complaints in three years and the dollar sub-limits are small.
Is AFC Home Warranty legit?
AFC Home Club is a Georgia corporation (p1) with a B BBB rating and accreditation since 2015. It states that it is not insurance (p1).
Does AFC cover pre-existing conditions?
No. The contract says known or unknown pre-existing conditions are not covered (p1, p5).
How much does AFC cost?
Plan prices are not published in the contract, so we do not list them. AFC’s website says the service fee is $75, $100 or $125 (checked November 4, 2026).
Does AFC cover a water heater?
Gold, Platinum and Diamond cover gas or electric water heaters up to 75 gallons with a $1,000 limit (p3). Silver does not cover systems.
Can I cancel AFC?
Yes. You get a full refund in the first 30 days and a pro rata refund afterwards, less claims paid and time used. A $75 fee applies after the initial waiting period (p8).
Is AFC available in California?
It is unconfirmed among AFC’s own sources. Its website lists the state but also says coverage is not available there, and the contracts have no California section.
Who owns the Diamond water and sewer line program?
It is provided by Oncourse Home Solutions, LLC and administered by American Water Resources, LLC (p21).
Sources
- AFC Silver sample contract, AFCHWSI28 (12 pages), read November 4, 2026.
- AFC Gold sample contract, AFCHWG28 (13 pages), read November 4, 2026.
- AFC Platinum sample contract, AFCHWP28 (13 pages), read November 4, 2026.
- AFC Diamond sample contract, AFCHWD28 (33 pages), read November 4, 2026.
- AFC Home Warranty BBB profile, read November 4, 2026.
- AFC contracts page and its plans page (service fee, state list), checked November 4, 2026.
- Liberty Home Guard sample policy, read November 3, 2026.
Photo: Franco Debartolo on Unsplash, free under the Unsplash License.