America's 1st Choice Home Club

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America's 1st Choice Home Club
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America's 1st Choice Home Club

 4.4/5 (574 ratings)
  • 5 stars
    433
  • 4 stars
    48
  • 3 stars
    32
  • 2 stars
    14
  • 1 stars
    47
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America's 1st Choice Home Club

About America's 1st Choice Home Club

America's 1st Choice Home Club provides cost-effective, extended home protection plans to homeowners looking to protect themselves against the unforeseen expenses of home upkeep and repair. With four plans to fit your budget and needs, and a 24/7 claims center, AFC Home Club has you covered.

    Overall Satisfaction Rating

    • 5 stars
      433
    • 4 stars
      48
    • 3 stars
      32
    • 2 stars
      14
    • 1 stars
      47

    Pros

    • Flexible service call fee
    • Choose your own service technician
    • Longest labor guarantee

    Cons

    • Not available in four states

    Bottom Line

    America’s 1st Choice Home Club offers a wide range of coverage with multiple plans available. While some coverage caps are limited, their coverage variety and flexible service call fee make them stand out.

    Top America's 1st Choice Home Club Reviews

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    Rated with 5 stars
    Verified

    The claims rep was knowledgeable, asked several questions and got someone out within a couple of days. The technicians were timely, good and I haven’t had any issues with them. AF...

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    Rated with 5 stars
    Verified

    America's First Choice Home Club covered a bit more and their service call fee was less. They've just been super easy to work with. Their contractors usually come out on the same ...

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    America’s 1st Choice Home Club plans

    America’s 1st Choice Home Club provides four levels of home warranty coverage to existing homeowners as well home warranties for buyers and sellers (available only through real estate agents). They do not require a home inspection prior to buying a warranty, but existing conditions are not covered. Optional coverages are also available, and there are no limits on service requests. They offer plans in all states excluding California, Hawaii, Nevada and South Carolina.

    • Systems: This is an affordable plan for home systems only. It provides essential coverage for five of the most important systems in a household.
    • Silver: The Silver plan is ideal for homeowners looking to protect appliances. It’s also an affordable option and includes nine major appliances as well as the water heater.
    • Gold: The Gold level plan includes all Systems and Silver coverage and additionally protects ductwork. It’s a good option if you’re looking for both systems and appliance coverage.
    • Platinum: The Platinum plan provides the most extensive coverage. It includes everything in the lower plan levels, as well as several additional protections, such as plumbing stoppages.

    America’s 1st Choice Home Club cost

    You can get a free, instant quote on America’s 1st Choice Home Club website after putting in your current ZIP code. On average, annual costs for America’s 1st Choice Home Club range from $350 to $625 depending on what service fee you choose. This allows homeowners to choose the best choice for their budget. A discount is available if a three-year contract is purchased.

    PlanService Call FeeCost
    Systems Plan$75$450
    Silver Plan$75$450
    Gold Plan$75$550
    Platinum Plan$75$625
    *Prices for zip code 77001. Prices may vary by location. Request a free quote to receive pricing in your location.

    America’s 1st Choice Home Club coverage

    The plans from America’s 1st Choice Home Club cover the following systems, appliances or a combination of both. You can also customize your plan with additional optional coverages, but the specific options and associated costs may vary by region. You can find coverage for the following items across their four plans. Optional add-on items are available for an additional cost.

    Covered systems:

    • Air conditioner
    • Ductwork
    • Electrical system
    • Heating system
    • Plumbing system
    • Plumbing stoppages
    • Water heater

    Covered appliances:

    • Built-in microwave
    • Clothes washer/dryer
    • Dishwasher
    • Faucets
    • Garbage disposal
    • Garage door opener
    • Ice maker
    • Kitchen refrigerator
    • Oven/range/cooktop

    Optional coverage: America’s 1st Choice Home Club offers optional add-on coverage for pool/spa equipment, septic systems, stand-alone freezers and well pumps.

    America’s 1st Choice Home Club coverage exclusions

    As is standard for most home warranties, America’s 1st Choice Home Club will not cover known or unknown pre-existing conditions. Your contract also won’t cover damage due to rust, corrosion or failure due to improper use.

    There will also be per-item exclusions listed in your contract. These will consist of parts or components of otherwise covered items. Your home warranty should cover all parts and components that are essential to the core function of the system or appliance but may exclude non-essential items.

    For example, on their Platinum plan, America’s 1st Choice Home Club covers built-in microwaves but doesn’t cover parts like doors, glass, lights, trays, clocks or shelves. You can find a full list of exclusions via AFC Home Club's sample contract.

    America’s 1st Choice Home Club coverage limits

    If not otherwise specified in your contract, America’s 1st Choice Home Club sets a $2,000 per item coverage limit per contract term for access, diagnosis, repair and replacement of appliances. Certain items have other limits specified, ranging from $125 to $2,000 depending on the specific appliance or system that is in need of repair. HVAC systems have no coverage cap.

    ItemCoverage limit
    Ice maker$500
    Water heater$1,000
    Garbage disposal$125
    Garage door opener$500
    Built-in microwave$1,000
    Refrigerant$25/pound
    Interior electrical$500
    Interior plumbing$500
    Faucets$150
    Ductwork$250

    America’s 1st Choice Home Club FAQ

    Is a home inspection required by America’s 1st Choice Home Club?
    No, a home inspection is not required to get a standard home warranty plan from America’s 1st Choice Home Club. If you wish to add optional coverage after your 30-day waiting period, an inspection may be required at your own expense.
    Is there a cancellation fee for America’s 1st Choice Home Club?
    If you cancel within 30 days there is no cancellation fee. For cancellation after 30 days, a $75 cancellation fee will apply.
    Does America’s 1st Choice Home Club limit service requests?
    There is no limit to the number of times you can request or have serviced within your contract term. There may be a limit to the dollar amount America’s 1st Choice Home Club will pay to repair a specific item per contract term.
    How do I request a service from America’s 1st Choice Home Club?

    You can submit claims online or over the phone 24 hours a day, seven days a week. To request service from America’s 1st Choice Home Club:

    1. Open a new service request online or by calling America’s 1st Choice Home Club.
    2. A licensed technician will be assigned to the case within 24–48 hours.
    3. Contact your assigned technician to schedule your service for a convenient time.
    4. Pay your service call fee, and the repairs will be completed.

    Is America’s 1st Choice Home Club worth it?

    Offering several plans and fee options, along with 24/7 service, America’s 1st Choice Home Club is a reliable choice for home warranties. Though new policyholders can’t report a claim during the first 30 days, the company’s level of service, simple process and availability in most states make it a top contender in home protection. The option to choose between three different service fee costs is a nice perk, allowing people to choose what meets their budget best.

    America's 1st Choice Home Club Reviews

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    2 featured reviews
    How do I know I can trust these reviews about America's 1st Choice Home Club?
    How do I know I can trust these reviews about AFC Home Club?
    • 3,240,901 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 5
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 12, 2020

    I went with AFC mainly because I could use whoever I choose to use to perform services at my house. However, it was a little challenging to understand what was covered and not covered under the home warranty and the actual details of it. At that time, I had just purchased my house and we had a water stoppage. I didn't have all the coverage information at that point 'cause we just moved in and payment hadn't been received by AFC. I had to work with the customer representative to get a copy of the coverage details then understand it at that point and what the process was to even submit a claim. But they're pretty professional, very understanding, patient and willing to kinda walk through the details as much as needed. I didn't ever feel rushed or bothered for asking the questions that I had.

    The customer service has been great. It's just it's like I'm having to dig for the information as opposed to being able to have it and really understand it myself and even understanding when do I use the home warranty versus not using them. I have some maintenance I'm about to do on an AC unit. When I was reaching out to different technicians, they had said that I need to go through my home warranty. I told them it's just for regular maintenance. They said I gotta go through them because sometimes they require certain technicians to come out. If not, it voids my warranty. I called AFC and they said, "No, that's not the case. You can use whoever you want."

    Be the first one to find this review helpful

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      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Oct. 11, 2020

      I never worked with any home warranty company like this. They're asking me to find a vendor and fix it. Then they said they needed pictures and that they didn't cover things. In the past, I had three plumbing issues and they refused to do it. They said they were going to charge me more than one service call fee for the same plumbing issue. It was two different bathrooms and it was terrible. The AC was leaking, and they told me I have to get inspection done on my expense. I spent $450 to do inspections.

      I didn't know all of these things when I recommended them to my brother-in-law. They told me I was supposed to get $25 referral which they never sent. I emailed the salesperson before I enrolled the program and he immediately responded to all my emails. But once he got my money, he didn't respond. I have to call from a different number so he would pick up the phone. Then one day he picked up the phone and he said he didn't check the email. This is terrible. I don't like AFC at all.

      When AFC sent a contractor out, they said they have to change a small part. Then AFC told the tech that I have to pay for the parts and the installation. I asked him how much and it was $700 to replace one small knob. I had American Home Shield for almost 17 years and I never had to go to this before. I wanted to get rid of the contract, but then the rep said I cannot do it because I signed up the contract for three years. They already got my money for three years.

      6 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: July 20, 2020

      I am 90 days from the expiration of my AHS warranty, and my horrible experience with them had me looking elsewhere. After reading that AFC was ranked "Best Overall" by Consumer Affairs, I decided to check out what they had to offer. One phone call with AFC was all it took. The account manager assigned to call me was friendly, personable, and professional. Every question or scenario, including things I went through with AHS (e.g. "In x-example, how would AFC handle this problem?") was answered thoroughly and patiently. When I didn't know which plan or payment option to choose, it didn't turn into a money-making scheme or sales pitch; it became a case of what is best for me and what will give me the best value for the dollar amount I spend. Plus, I get to choose my own technicians, which AHS never allows, which is fantastic in a rural setting where local choices are limited (AHS chooses vendor according to zip code).

      Hands down, AFC is the place to go, if you are looking for a home warranty provider. Their customer service is unmatched. Their coverage plans are unbeatable. Their payment plans are so reasonable that I am kicking myself for not researching options sooner. Plus, they offer discounts on things like home security through ADT, restaurants, and a whole host of other bonuses for FREE! They're incredible. Honestly, I can't say enough good things about this company and I'm just getting started. I'm never looking back! If you are looking for a home warranty service company, go with AFC. If you are with AHS, switch as soon as you can--before your coverage ends. You will be glad you did.

      America's 1st Choice Home Club response

      Stacy,

      We cannot say thank you more for your overall feedback of AFC Home Club. We are very pleased that you looked into everything we have to offer. We look forward to assisting you and your home for years to come!

      Service Team

      AFC Home Club

      3 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: July 4, 2020

      I looked hard at ratings probably as much as anything. And then of course, I'm in the automobile warranty business. I approached a bit differently because we do the same thing. We just do it with cars. And the idea was that I wanted to read all the contracts and make sure what the limits of liability and those things were. So, that's why I adopted America's 1st Choice. It was a smart decision. We only had one experience, but they certainly did what they said they would do. However, we didn't get off on the best foot in the first phone call.

      They had a waiting period that was waived for me because I went straight from one home warranty to another. And it wasn't in the records that it was waived, but they were able to go back, research the calls, called me and said, "Yeah, you're right. Our guy promised you that, and it should have been in the records, and it wasn't." It was an item that was not necessarily covered, but she said, "Just to kinda make it up for you because we know we didn't start off on the best foot, we'll absorb half of it." And I was fine with that. I would've been fine with zero if it wasn't covered. It was not a high dollar item and $300, $400 type of deals. So, what impressed me more than anything else though was the phone call back because I was thinking, "Oh, God, here we go with a runaround. Damn, I made a poor decision." But immediately I get a phone call back going, "Nope. We went and researched it. You are correct." It's not something you hear a lot.

      Being in the warranty business and watching people file $6,000 claims on their cars and having it paid, I think that the industry, in a way, is really malign. Because I know what we pay, and that's the case too when it comes to home warranties. Nobody thinks they would do it. But if it was covered complaint, they would cover it. And then, how they do it with the least amount of hassle is probably the best idea about who to be working with. Because I know a lot of people who've had a claim. But nonetheless, to me, it's the ease and the way they work with you. If they would pay a claim, don't argue forever, just pay. And that's what I look for in people that I represent.

      2 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 26, 2020

      We've had a great experience so far with AFC Home Club. We had an AC repair done last month or the month before. We had an issue with a wire connecting to our AC unit into the power unit so we had to have that replaced. It is our first time owning a home and as far as ease goes, it was pretty easy to get ahold of somebody to come out and take a look at what was going on.

      I had to call AFC because I remembered that when we had purchased the house, the previous owners had actually had the home warranty. They transferred our name onto their plan and they gave us the information. My mom remembered and said, "I'm pretty sure you guys need to get that fixed. And I'm pretty sure you have insurance." We took a look at it and remembered it was in our files. We just gave AFC a call and I'm actually set up for another year.

      Everything was great. The tech who came was very kind. He was there to do the job and he wasn't rude. He was very on time the first day. But on the second day I never actually received a 100% assurance that somebody was gonna come and take a look at the AC unit. I got off at 5:30. Most technicians, I believe, are off at 5:00. I was really thankful that they were there and that they were very flexible in helping me get it done. It was probably like 20 minutes after they had said somebody may or may not show up. But they said it could have either been that day or the next day, so when somebody showed up, it wasn't really a big surprise.

      When the tech came to look at the unit, he had the suspicion of what was going on with it. Unfortunately, it was on a Friday and it was the day after the riot started. A lot of things got a little crazy as far as shipping and things like that so he couldn't get ahold of the piece until the next week, which actually was a lot faster because he had said it was gonna take at least a week. But it was only four days, maybe. It was right after the weekend that it happened. He came out on a Wednesday and he was out by Monday.

      He also stayed until he made sure that the AC unit was running correctly. He knew that we had a PowerSave on our AC unit that we weren't aware of. It took quite a long time and he was like, "I'm just gonna wait until it turns on, make sure everything's running correctly." It turns on but it wasn't running correctly. He was here for a little over an hour and a half to make sure that everything was running smoothly and that he did the job before he left.

      As far as getting ahold of AFC and being able to talk to somebody in customer service, it was pretty easy. I didn't wait very long. I recommended AFC to my mom. She does refurbishing homes and she remodels them. I suggested AFC to her and told her that these were actually pretty cheap, especially with them being able to work out a payment plan, especially living in St. Paul. My mom wants to do lower income homes and I told her that it'd be a very great option for homeowners when they're first purchasing their home, especially in a low-income area.

      2 people found this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: June 11, 2021

      It took quite a long time to get the approval over the phone. The entire time my repair person was waiting and it was costing me money for the waiting time. Once the approval was given there were no other problems or delays. I received the reimbursement in a timely manner

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      Rated with 1 star
      Verified Reviewer Verified Buyer
      Original review: June 11, 2021

      Renewing our warranty after the first year of owning a home was a complete waste of time and money. We wanted something that would cover the AC, but apparently didn’t read the fine print and we needed to have over a year's worth of records of maintenance to qualify for any coverage. The previous owners didn’t have any records so we got stuck with the bill that reflected their negligence. AFC said they would cover $50 for an AC. Ridiculous. We never contacted AFC for anything for the rest of the year, so the experience felt like I threw away money before spending $14,000.

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      Rated with 1 star
      Verified Reviewer
      Original review: June 11, 2021

      When I purchased this policy they upsold me to cover the AC unit & promised if something happened it would be covered or replaced no out of pocket. It's broke & they want to pay 200 towards new one now.

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      Rated with 3 stars
      Verified Reviewer Verified Buyer
      Original review: June 9, 2021

      First customer service rep was not knowledgeable. 2nd one was great. Tech was not professional. Wanted cash or check. Did not accept credit card. Taking too much time during the Heatwave to repair refrigerator. l have 3 years contract on multiple locations.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 8, 2021

      It’s great to talk with someone with a smooth accent. Other companies Normally do outsourcing and you talk with someone in India with very bad accent that doesn’t know about the customer service and they are just repeating the company rules. I’m really glad working with this company. They had a great service and constantly following up my order until everything got fixed and I got paid. Thanks!

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      America's 1st Choice Home Club Company Information

      Social media:
      Company Name:
      AFC Home Club
      State/Province:
      GA
      Country:
      United States
      Website:
      afchomeclub.com