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AFC Home Warranty vs. OneGuard Home Warranties

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

We recommend AFC Home Warranty for its service guarantee. Services from technicians sent by AFC are covered for the duration of your contract, which is longer than most guarantees in the industry.

OneGuard Home Warranties is our recommendation for homeowners committed to maintaining their property's equity. The company covers more routine upkeep services than AFC, like carpet cleaning, lawn care and pest control, allowing customers to maintain their property better.

AFC Home Warranty vs. OneGuard Home Warranties 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 OneGuard Home Warranties 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

OneGuard Home Warranties pricing

You can choose a service fee of $100 or $125 with OneGuard Home Warranties. If you’re OK paying $25 more when you need to make a claim, you can reduce the monthly cost of your plan by $10.

*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. OneGuard Home Warranties coverage

AFC Home Warranty and OneGuard Home Warranties 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.

OneGuard Home Warranties offers just one combo plan that provides coverage for your home’s systems and appliances.

AFC Home Warranty vs. OneGuard Home Warranties add-ons

AFC Home Warranty and OneGuard Home Warranties 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:

OneGuard Home Warranties add-ons

OneGuard Home Warranties provides six optional add-ons. The monthly cost of coverage for each of these items is listed below:

AFC Home Warranty vs. OneGuard Home Warranties 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 OneGuard Home Warranties 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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