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AFC Home Warranty vs. HomeServe

Compare coverage, cost and reviews

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Written by Matt Zane
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Edited by Jon Bortin

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Personalized home warranties from multiple providers

AFC Home Warranty and HomeServe are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.

AFC Home Warranty is our recommendation for homeowners who value high-quality repairs and workmanship. It guarantees repairs for the duration of your contract.

We recommend HomeServe to buyers looking for low starting costs. With a la carte pricing and coverage divided according to systems, like heating and cooling or plumbing and drainage, HomeServe is a good option for customers with older systems that need specific coverage.

AFC Home Warranty vs. HomeServe plans and pricing

Home warranty companies generally offer varying levels of coverage, but how companies separate their plans can be very different. Many companies split up coverage for appliances and systems.

Home warranty plans can be divided into three categories:

  • Appliance plans cover common home appliances, including washers, ovens and refrigerators. Most appliance plans do not cover home electronics, including televisions, but some companies offer electronics coverage for an additional cost.
  • System plans typically include coverage for your home’s plumbing, electrical and HVAC systems.
  • Combo plans cover both systems and appliances, though not all combo plans provide the same level of coverage.
Take a look at what you want your plan to cover. If your appliances are new and covered under a manufacturer’s warranty, you can save money by choosing a plan that only covers your home’s systems.

Pricing for home warranty plans typically depends on your choice of service fee, which is your out-of-pocket cost when filing a claim. Choosing a lower service fee increases the plan's cost. If you don't expect to make many claims, a higher service fee might save you money overall.

Here's a breakdown of the cost of AFC Home Warranty and HomeServe plans based on the service fee you choose:

AFC Home Warranty pricing

With any of AFC Home Warranty’s four plans, you can select a service fee of $75 or $125. If you’re OK paying the higher service fee when you need to file a claim, you can reduce the monthly cost of a plan by $5 or the annual cost by $50.

You can also get a discounted rate on an AFC Home Warranty plan by paying annually instead of monthly:

  • Silver plan: $345.00 or $395.00 per year
  • Gold plan: $445.00 or $495.00 per year
  • Platinum plan: $545.00 or $595.00 per year
  • Diamond plan: $745.00 or $795.00 per year

HomeServe pricing

HomeServe is unique among home warranty companies. It has no service fee and offers no add-ons. Instead, it has 17 plans — far more than the standard one to four that most companies offer. With the company’s a la carte style of coverage, you can combine plans that best suit your needs. Monthly pricing for three of its plans is shown below.

*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.

AFC Home Warranty vs. HomeServe coverage

AFC Home Warranty and HomeServe both offer a range of plans designed to protect your home's systems and appliances, but there are some notable differences in their coverage options.

AFC Home Warranty offers four plans. Its most affordable plan focuses on appliances, while the other plans are combo plans that cover both systems and appliances with varying coverage levels.

HomeServe offers 17 that cover various appliances and systems around your home. You can combine multiple plans to get all the coverage you need. We cover three of HomeServe's plans in the table below, but there are many more to choose from.

AFC Home Warranty vs. HomeServe add-ons

AFC Home Warranty and HomeServe also offer additional coverage options. These add-ons allow you to customize your home warranty coverage, ensuring that your plan includes protection for items that may not be included in the standard packages.

AFC Home Warranty add-ons

AFC Home Warranty gives you a choice of 13 add-ons. Here are the monthly costs for the most sought-after coverage items:

HomeServe add-ons

HomeServe does not offer add-ons, unlike most other home warranty companies. Instead, it offers 17 plans that you can combine to get the coverage you want. It's a unique system that allows you to pay for what you need without requiring single-item add-ons.

AFC Home Warranty vs. HomeServe reviews and ratings

We looked at thousands of reviews from real home warranty customers. Here’s what home warranty shoppers care about most:

  • Technicians: Reviewers often mention the quality of a company’s in-network technicians. This typically relates to how quickly and adequately technicians identify and resolve issues with a home’s systems and appliances.
  • Customer service: Being able to reach a representative easily and resolve account issues efficiently are the hallmarks of good customer service. Customer service reviews also frequently mention how knowledgeable and polite the company’s representatives are.
  • Claims handling: Reviews about claims handling usually revolve around two things: speed and convenience. When customers complain about a poor claims process, it often relates to a slow response time for home repairs or a complicated system for submitting claims.
  • Coverage: Reviewers who discuss coverage typically mention how well a home warranty company honors its contract (in the reviewer’s opinion). A denied claim or an unsatisfactory coverage limit frustrates customers and leads to poor reviews.

Below we break down what percentage of AFC Home Warranty and HomeServe customer reviews over the last year mentioning one these four important factors reflected a happy or satisfied customer. The closer a company is to a 100% satisfaction rate, the better it is in that area.

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