Article by Chris Costi, Last update at May 3, 2020
AFC Home Club or America’s 1st Choice is a home protection company offering coverage for appliances and home services that are not included in your house insurance. The company is based in Georgia and was founded nearly a decade ago. They have extensive experience in the field of home protection plans and offer affordable and comprehensive protection against the high cost of repairs, of major systems and appliances in your home. AFC Home Club is highly accredited with BBB recognition. The company boasts a large team of experienced technicians who have been screened and approved for their high performance. With AFC you also have the choice of using your own technician. When joining AFC you will also become a member of their Benefit club which offers emergency services and exclusive retail benefits. The coverage plans offered, are comprehensive and you will have a choice of which items in your home you wish to insure. Plans can also be customized according to your needs. AFC is well known for their approach to customer support and relations and they offer 24/7/365 service as well as an emergency alert network. The company also charges one of the lowest service fees in this industry. AFC covers all states in the U.S. except for Alabama, California, Hawaii and South Carolina.
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With AFC you will get 3 basic levels of cover, the Bronze, Silver and Gold plans. The Bronze plan covers only the water heater, air conditioning and heating systems. This is the best option for landlords who have tenants who have their own appliances. The Silver plan covers all appliances including washer, dryer, oven, range and dishwasher etc. The Gold plan is the most comprehensive option and includes basic systems and appliances including the telephone, electrical and plumbing systems. You can opt to add other items like septic tanks, pool, spa, sump pumps, central vacuums and standalone freezers, at an additional cost.
Exact prices are not included on the website and you would need to apply for a quotation online, or use the online calculator to get an idea of how much you would pay. Prices depend on your location and the size of the property. All plans come with membership to the benefits club which offers retail buyers rebate and Emergency Alert Network membership. Discounts are available for homeowners who purchase a three year contract. Please note that there is a standard service fee of $60 and that pre-existing conditions are not covered. Note also that real estate professionals receive a discounted rate.
With America’s 1st choice warranty you can expect to pay the lowest service fee of $60. They also have a claim limit of $2,000 for each appliances’ repair or replacement. AFC have a large contractor network and you also have the choice of choosing your own technician if required. AFC Home Club have one of the longest guarantees in the industry with their parts and labor are covered for the life of your membership term. All the terms and conditions can be obtained from customer service before signing as AFC do not publish these details on their website.
AFC has a club that offers additional lifestyle benefits with each home warranty plan. Homeowners can earn online retail benefits and also take advantage of the Emergency Alert Network. To receive an immediate quote, you can submit your ZIP code online and add your preferences. This will allow you to choose the best plan for your budget. With AFC you can rest assured that when it comes to service they offer a comprehensive in-house representation which includes sales representative and their service team. You will always have an open line of communication with the company.
AFC offers flexible and affordable plans for all homeowners as well as estate professionals. No home inspection is necessary but all systems and appliances must be in good working order. If it can be proved that there are preexisting conditions you will not be covered. There is no limit on how many times you submit service requests, but the yearly limit on claims is $7,500. Note that plans are customizable and you have the option of adding additional extras according to your requirements.
AFC Home Club will allow you to choose your own service technician when you have a claim. If you do not have one they will assign one in your area and you are promised that you will have an appointment within 8 hours during business hours. The technicians who work with AFC have gone through a thorough screening process and will provide quick and efficient results.
America’s First Choice offers more than coverage for your home appliances and system. The Emergency Alert Network that is added to your home club plan works with emergency service personnel to alert your chosen contacts if an emergency occurs. Medical information and specific medical conditions can be specified and in the event of an emergency, you will receive help immediately. As a member of the Emergency Alert Network, you can choose up to four people to be notified in the event of an emergency situation. This service works 24/7 every day of the year. The database hosted by AFC Home Club is secure and your privacy is guaranteed. AFC also provides other services to their club members including credit monitoring with Moneytips.com and savings with DealCash.com. More information on these benefits is available on the AFC website.
Submitting a service request is simple and the in-house customer service team will follow up every step of the way. There is a specific form online that you can fill in or you could call the company on their toll-free number. You will be required to have the make, model and the serial number of any unit that needs servicing, so have this information on hand. Once submitted, the claim will be followed up by the service team. You can then decide whether you would like to use your own licensed contractor or request the AFC provides one of their screened technicians. An email with the details will be sent to you and you can contact the technician and request an appointment for them to evaluate the situation. If parts or supplies are needed the technician will then send a report online for authorization. Once the repairs are done the company will contact you to ensure that you are satisfied with the completed work and move forward to pay the technicians.
AFC Home Club does not provide information about their terms and conditions on their website. Many of the questions you have can be answered in the FAQ section and you can request the information directly from customer service. Information like the annual cap of $7,500 without deductibles, and the $60 service fee are all detailed in the terms and conditions. It is also worth noting that AFC does not require a home inspection prior to entering into a contract with you. They do however expect that your appliances and services are in good working order and they will not cover any preexisting problems. America’s First Choice Home Club offers an extensive network of local, well-established contractors that are available 24/7 to help you with your claim. Reviews online generally show that customers are very happy with the customer service offered by AFC.
AFC Home Club Best Features
No home inspection – age does not matter
Appointments set within 8 hours – prompt service
$2,000 claim limit per appliance – high limits
No caps on HVAC systems – unlimited amount
Lowest service fees – reasonable fees
24/7/365 Customer Service – comprehensive cover
Screened technicians – network trustworthy
Customized plans – choose your cover