Serviceplus Home Warranty vs. AFC Home Warranty
Compare coverage, cost and reviews
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ServicePlus Home Warranty and AFC Home Warranty are two home warranty companies offering multiple plans covering both household systems and appliances. We compare the companies’ coverages, costs, service fees and customer reviews to help you determine which is right for your budget and home.
ServicePlus Home Warranty vs. AFC Home Warranty cost
AFC Home Warranty stands out with a lower starting service fee, which is what you pay per service call. It also offers more affordable monthly rates for its introductory and top-tier plans. This makes AFC Home Warranty the more budget-friendly option across the board compared to ServicePlus Home Warranty.
ServicePlus Home Warranty plans and pricing
ServicePlus Home Warranty’s two plans always have a $75 service fee, which is your out-of-pocket expense when you file a claim. You can get a discounted rate if you opt to pay annually rather than monthly:
- Gold plan: $849 per year
- Platinum plan: $999 per year
| Service fee | Gold | Platinum |
|---|---|---|
| $75 | $87.42 | $99.92 |
AFC Home Warranty plans and 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 or $395 per year
- Gold plan: $445 or $495 per year
- Platinum plan: $545 or $595 per year
- Diamond plan: $745 or $795 per year
| Service fee | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|
| $75 | $35 | $45 | $55 | $75 |
| $125 | $30 | $40 | $50 | $70 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
ServicePlus Home Warranty vs. AFC Home Warranty coverage
Your choice between these two companies may depend on the type of coverage you need upfront. AFC Home Warranty provides specialized entry-level options that cover only appliances. ServicePlus Home Warranty, on the other hand, bundles both systems and appliances into all of its plans, which might be better if you need comprehensive protection from the start.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | | |
| Exterior water lines | | |
| Refrigerator | | |
| Dishwasher | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Microwave | | |
| Food center | | |
| Garbage disposal | | |
| Trash compactor | | |
| Ice maker | | |
| Hot/cold water dispenser | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washer | | |
| Clothes dryer | | |
| Toilets | | |
| Bathtub/shower | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fans | | |
| Central vacuum | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
ServicePlus Home Warranty vs. AFC Home Warranty add-ons
AFC Home Warranty provides a much larger selection of optional add-ons with unique coverage for items like a hot water dispenser, septic system and electronics protection. ServicePlus Home Warranty’s list is shorter. Both companies provide common add-ons for items like a pool and spa or a sump pump.
ServicePlus Home Warranty add-ons
You can cover up to 20 additional items with ServicePlus Home Warranty’s add-on options. Here are the monthly costs for some of the most popular add-ons:
| Optional coverage | Monthly cost |
|---|---|
| Sump pump | $2.08 |
| Central vacuum | $2.08 |
| Second refrigerator | $2.92 |
| Stand-alone freezer | $2.92 |
| Roof leak repair | $4.17 |
| Septic tank pumping | $5 |
| Well pump | $6.25 |
| Guest unit | $12.50 |
| Spa | $12.50 |
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:
| Optional coverage | Monthly cost |
|---|---|
| Roof leak | $2.08 |
| Double oven | $2.08 |
| Stand-alone freezer | $2.08 |
| Hot water dispenser | $2.08 |
| Sump pump | $2.92 |
| Built-in microwave | $4.17 |
| Well pump | $4.17 |
| In-ground pool and spa | $8.33 |
| Electronics protection | $24.99 |
What ServicePlus Home Warranty customers say
In reviews, many ServicePlus Home Warranty customers mention their salesperson by name, saying they were helpful. Positive reviewers repeatedly use words such as “friendly” and “professional.” In other cases, customers report long wait times or limited availability of contractors.
I'd recommend Total Home to any family member. They had the best price for the package that they were providing. ... Everything went as planned. The contractor was very professional, very informative, and very helpful overall.”
– Jeremy of Grand Prairie, TX
What AFC Home Warranty customers say
The majority of AFC Home Warranty customers use words like “wonderful” and “excellent” when describing the claims experience. However, in recent cases, customers mention communication problems and expensive policies.
I have had to use my warranty twice and each time I have had wonderful customer service and was fully reimbursed for all parts and labor minus my deductible.”
– Eric of Angleton, TX
Bottom line: ServicePlus Home Warranty or AFC Home Warranty?
Overall, AFC Home Warranty has several advantages over ServicePlus Home Warranty: It has more plans, more service call fee options, the ability to choose your own contractor and a repair guarantee that lasts for the duration of your coverage. Both companies have a similar number of reviews on ConsumerAffairs, but AFC Home Warranty has a slightly higher star rating. Starting prices at the time of publishing are also slightly lower with AFC Home Warranty.
- ServicePlus Home Warranty is best for customers who prefer to cover appliances and systems and want a long list of add-ons to choose from.
- AFC Home Warranty is best for customers who want more plan variety and the ability to pay less in premiums in exchange for a higher service call fee. It’s also best for homeowners who want to choose their own contractor.
