AFC Home Warranty: Price and Plans 2026
AFC Home Warranty offers flexible service fees and an extensive repair guarantee.
AFC Home Warranty offers homeowners a competitive package of plans with no limit on HVAC repairs and a repair guarantee that carries over with plan renewals. The company pays up to $3,000 for some kitchen appliance repairs but has low limits on plumbing and electrical. AFC also has mixed customer reviews and more restrictive policies than some of its competitors.
To give you the most relevant information, the NerdWallet Home Services editorial team read through AFC’s sample contract, compared quotes for every plan with available service fees in three major cities with different costs of living and compared coverage with the company’s competitors. Our review gives you an in-depth look at AFC’s services and coverage and highlights policies that can affect what you can have repaired and how much it might cost you in the end.
AFC Home Warranty guarantees its repairs for the life of a membership, which means you won't pay a service fee if a repair technician has to repair the same issue again at any point as long as you renew your membership.
The Nerds' take on AFC Home Warranty
AFC Home Warranty guarantees its repairs for the life of a membership, which means you won't pay a service fee if a repair technician has to repair the same issue again at any point as long as you renew your membership.
NerdWallet rating: 3 out of 5 stars.
What makes it shine: One of the best features of AFC Home Warranty’s plans is its repair guarantee: The company won’t charge you a service fee for a repeated repair for the same part as long as you continue to renew your plan. That’s a lot longer compared to many home warranty companies’ 30-day guarantees.
AFC also has four plans to choose from with several optional items, so you’re not stuck with a big plan that covers more than you need. Its pricing is competitive, and its $3,000 appliance coverage limit and unlimited coverage maximum for HVAC repairs could benefit a lot of customers.
What could be better: AFC’s pricing is based on your location, so you might pay more for the same coverage as someone who lives in a nearby ZIP code. Several of the company’s coverage limits are also low compared to its competitors’ limits, especially for plumbing and electrical repairs.
Our Home Services editorial team also noted that AFC has some more restrictive policies than some of its competitors. For example, the company doesn’t send out a technician if the company’s maximum coverage limit for the malfunctioning item is $250 or less, and it won’t send out a roofer to evaluate a leak (you have to schedule that part). There are a few other policies that caught our attention that we’ve noted throughout the review.
Cost | ✅ Competitive prices but watch out for higher quotes in your area. |
Plan options | ✅ Appliance-only and comprehensive plans. |
Optional coverage | ✅ A decent list of optional items available with competitive pricing. |
How much it'll pay for repairs | ❌ Despite decent limits for appliances and no limit of repair costs for HVAC, limits for other areas are low. |
What it doesn't cover | ❌ Some policies have more specific exclusions or restrictions. |
How long it guarantees repairs | ✅ Guaranteed as long as you continue to renew your plan. |
Customer satisfaction scores | ❌ A mix of customer experiences with most recent positive reviews rating only the purchasing process. |
AFC Home Warranty’s plans
AFC offers four home warranty plans. The Silver Plan covers only major kitchen appliances, and the other three plans cover a combination of appliances and major home systems.
Covered item
Silver and Gold Plans
Platinum and Diamond Plans
Kitchen refrigerator
✓
✓
Oven/range
✓
✓
Cooktop/stove
✓
✓
Dishwasher
✓
✓
Garbage disposal
✓
✓
Clothes washer and dryer
✓
✓
Garage door opener
✓
✓
Built-in microwave
X
✓
AFC’s Gold Plan doesn’t cover systems, so it’s not included in the table.
Gold Plan
Diamond and Platinum Plans
Air conditioning system
✓
✓
Heating system
✓
✓
Ductwork
✓
✓
Plumbing
✓
✓
Plumbing stoppages
X
✓
Water heater
✓
✓
Electrical
✓
✓
Attic, exhaust and ceiling fans
X
✓
Only the Platinum and Diamond Plans cover these uncommon items, so the Silver and Gold Plans are not included in the table.
Platinum Plan
Diamond Plan
Faucets
✓
✓
Exterior sewer lines
X
✓
Exterior water lines
X
✓
Smart phones and electronics
X
✓
AFC Home Warranty cost
Monthly fees
Plans start as low as $30.83 per month for the Silver Plan, the company’s basic appliances option. The Diamond Plan, which is the most expensive plan, can run as high as $122.25 per month.
To compare AFC Home Warranty’s pricing, NerdWallet’s Home Services editorial team requested quotes for every plan in three cities that represent different costs of living. We found that the price customers pay depends on the ZIP code in which they live. To give you the best idea of how much you might pay for an AFC Home Warranty plan, we compared quotes to find the cheapest and most expensive quotes for each plan’s monthly and annual price.
Monthly price range | Annual price range | |
|---|---|---|
Silver Plan | $30-$53 per month. | $333-$572 per year. |
Gold Plan | $52-$75 per month. | $578-$869 per year. |
Platinum Plan | $60-$90 per month. | $665-$988 per year. |
Diamond Plan | $92-$122 per month. | $1,007-$1,330 per year. |
Because AFC’s prices are based on customers’ ZIP codes, customers that live in the same city but different ZIP codes could pay different prices for the same coverage. To understand how much pricing differs within the same city, our Home Services team compared quotes for two ZIP codes in Dallas, Texas. We found that the difference in prices depended on the plan and service fee, and customers in one ZIP code for Dallas could pay between $10.50 and $21.92 more per month than customers in the other ZIP code. The average cost for one ZIP code was $16.68 more per month than the other ZIP code despite both being in the same major city and receiving the same plan coverage.
City | Gold Plan | Platinum Plan | Diamond Plan |
|---|---|---|---|
Portland, Oregon | $64.83. | $75.08. | $106.75. |
Dallas, Texas | $68.85. | $79.50. | $111.17. |
Tulsa, Oklahoma | $52.58. | $60.67. | $92.33. |
Average price | $62.09. | $71.75. | $103.42. |
Prices in this table show a range of quotes for the $125 service fee option. These quotes will change if you choose a different service fee; generally, selecting a lower service fee raises the cost of a monthly premium. | |||
Service fees
Like most home warranty companies, AFC charges a service fee every time it sends out a repair technician for a claim. A customer can choose $75, $100 or $125 for their service fee, and customers who choose a higher service fee will pay less for their monthly fees.
Customers can’t get a quote for AFC plans with the $100 service fee on the company’s website. You can only see quotes for the $75 and $125 service fees. If you want to request a quote for an AFC plan with the $100 service fee, you’ll have to call the company and talk to a representative.
How much can you save with a higher service fee? The NerdWallet editorial team compared quotes for all of AFC’s plans with the $75 and $125 service fee options. To determine how much customers can save monthly by choosing the higher service fee, we used quotes for Portland, Oregon, which had the biggest savings among the cities we tested in this scenario.
Customers in the Portland ZIP code we tested saved an average of $10.27 per month by choosing to pay $125 instead of $75 for every service call instead. That’s a savings of $123.24 over 12 months, regardless of how many service claims you have throughout the year.
Is the higher service fee worth it? The higher service fee won’t be worth it for every customer. Going with the higher service fee to save on your monthly fees means you pay $50 more every time a repair technician comes to your house. You need to file only three claims within a year for the higher service to cost you more than you saved in monthly fees ($50 x 3 = $150). This would cancel out any money you saved with the lower monthly fee.
But if you were to file three service claims within a year and chose the $75 service fee with the more expensive monthly fee instead, you would actually save $27. If you think you might have at least three claims during a year, it might save you money to choose the cheaper service fee and pay more monthly.
🚨 Nerd Alert 🚨AFC Home Warranty automatically renews your contract if you don’t opt out of autorenewal. AFC isn’t clear when it will remind you that your contract is about to renew — the website says 30 days, but the checkout page when purchasing a plan says 60 days. To opt out and avoid being charged for a new contract, you’ll need to call the company.
Optional item coverage
AFC charges all customers the same price for optional coverage, so it doesn’t matter which plan you choose or where you live. Everyone gets the same price when they add extra items to their plans.
Optional coverage | Cost |
|---|---|
In-ground pool and spa | $12.50 per month ($150 per year). |
Stand-alone freezer | $2.08 per month ($25 per year). |
Sump pump | $2.92 per month ($35 per year). |
Central vacuum | $2.08 per month ($25 per year). |
Septic system | $4.17 per month ($50 per year). |
Well pump | $4.17 per month ($50 per year). |
Roof leak | $2.08 per month ($25 per year). |
Second refrigerator | $2.08 per month ($25 per year). |
Double oven | $2.08 per month ($25 per year). |
Hot water dispenser | $2.08 per month ($25 per year). |
Discounts
AFC advertises that it offers discounts for customers who buy home warranty plans for multiple properties, are military veterans or actively serve in the military or qualify as senior citizens. But you’ll need to call the company to learn if you qualify for a discount and to have it applied to your plan’s monthly fee.
How much AFC pays for repairs, aka coverage limits
Like many of its competitors, AFC Home Warranty limits how much it pays to repair certain items.
For items included in a plan
Items included in plans | General coverage limit | Limit exceptions |
|---|---|---|
Heating and air conditioning systems | No coverage limit. | $80 for standard thermostat. |
Ductwork | $150. | None. |
Water heater | $1,000. | None. |
Interior electrical | $500. | $150 for electrical outlets in addition to the $500 limit. |
Plumbing and stoppages | $500 total. | $300 for plumbing stoppages and $150 for faucets (deducted from the $500 limit if used). |
Ceiling, exhaust and attic fans | $150. | None. |
Appliances | $3,000 per appliance. | $150 for garbage disposal, $300 for kitchen refrigerator ice maker and $500 each for built-in microwave and garage door opener. |
Although AFC doesn’t have a coverage limit on HVAC repairs, that doesn’t guarantee that it will replace your system with a new one or that a replacement will be identical to the one you have. Approved replacements depend on multiple factors and the company’s approval.
Additionally, regardless of coverage limits, AFC aggregated cover maxes out at $50,000 per contract term.
For optional items
Like many home warranty companies, AFC also has coverage limits for add-on items that aren’t part of a plan’s coverage. These coverage limits are specific to the item you’re adding to your plan and are often different from the main category’s coverage limit. For example, an additional refrigerator has a coverage limit of only $500 even though the appliances covered in the Basic plan are covered up to $3,000.
It’s important to note that the coverage limits for most optional items reset based on your contract term (referred to as your membership term) instead of every 12 months. This means that the coverage limits for most optional items will start over when your contract renews. If you have a one-year contract, they restart after a year, but they won’t reset for three years if you have a three-year contract. In-ground pool and spa equipment is the only optional coverage that has a limit that resets every 12 months.
Add-on item | Amount AFC will pay for repairs |
|---|---|
In-ground pool and spa equipment | $500 per year. |
Well pump | $500 per membership term. |
Sump pump | $500 per membership term. |
Septic system | $500 per membership term. |
Limited roof leak repair | $250 per membership term. |
Central vacuum | $150 per membership term. |
Stand-alone freezer | $500 per membership term. |
Second refrigerator | $500 per membership term. |
Double oven | $500 per membership term. |
Hot water dispenser | $150 per membership term. |
If you add optional coverage to a plan within 30 days of purchasing your home warranty with AFC, you don’t have to have a home inspection to qualify for the add-on coverage. But if you want to add optional coverage after the first 30 days of your home warranty contract, AFC requires you to pay for a home inspection to prove that your appliances and systems are working properly. If AFC approves your inspection report, then you can purchase optional coverage, but you might not be able to purchase optional coverage if the company rejects your inspection report.
🚨 Nerd Alert: AFC doesn’t send roofers to inspect leaks 🚨 AFC states that it doesn’t send out a roofer to inspect roof damage. If you need to request service for a roof leak, you’ll need to contact a roofer, schedule an inspection and submit the repair quote and details to AFC for approval. If AFC agrees with the report, the company will approve the repairs like it would with other types of repairs. However, AFC won’t reimburse you for roof repairs it didn’t approve in advance, and you might have to pay for inspection or diagnostic fees if your roofer charges you for the inspection before AFC approves the work.
» MORE: How much does a home warranty cost?
When AFC refuses to pay for repairs, aka exclusions
Old Republic Home Protection covers items that fail because of everyday use, referred to as normal wear and tear. However, the company doesn’t cover items that:
Issues that occurred before the start of the service agreement, known as pre-existing conditions.
Malfunctions caused by rust or corrosion.
Incur damage from pests.
Have cosmetic defects that don’t affect the item’s function.
Are missing components or parts.
The manufacturer has recalled or determined to be defective.
Have not been properly maintained.
The company also doesn’t pay for routine maintenance, which is common among home warranty companies.
Good coverage with affordable premiums
The fine print in AFC’s contracts
Repair guarantee
We think that AFC’s repair guarantee is one of the best we've seen among home warranty companies. A repair guarantee saves the customer from paying another service fee and any additional costs if an approved repair fails within a certain time frame. Most home warranties guarantee repairs for 30 or 60 days, but AFC raises the bar with its guarantee that repairs will be covered for the life of your plan. As long as you continue to renew your plan, the guarantee will carry over, which means you’ll never be charged if a repair has to be repeated on the same part for the same reason. This policy applies to all repairs except plumbing stoppages (clogged drains).
You might be charged another service fee if a different part of the same appliance or system fails or the same part fails for a different reason, which is standard with home warranty repair guarantees.
‘In lieu of repair’
Like many home warranty companies, AFC has the option to pay you cash instead of hiring a technician to repair a covered item. Home warranty companies often choose to do this when an item will cost more to repair than what you have left in your coverage limits or the necessary part to fix the item is no longer available. The downside to this option is that home warranty companies, including AFC, can pay you an amount that is less than what it actually costs you to repair or replace a covered item.
This is because the company pays you what it would’ve paid for a part or replacement item, which is often at a wholesale discount. But you’re likely to pay more than a wholesale price when you hire a repair technician or buy a new appliance in the store. In this case, you might get enough to cover a repair or have to cover the rest of the cost out of pocket.
AFC uses a third party to calculate how much it owes you when it chooses cash in lieu of repair, but it doesn’t explain how that amount is determined.
Maintenance records for HVAC and water heater systems
AFC’s sample contract states that the company “requires a prior annual maintenance record from a licensed technician (often called a “check-up”) showing no suggested or required repairs” before it accepts a service request for a tankless water heater or HVAC system. However, an AFC representative confirmed with NerdWallet’s editorial team that the company doesn’t request maintenance records for HVAC or tankless water heaters for every repair. Instead, AFC might request maintenance records if an AFC-approved repair technician believes an issue relates to a lack of maintenance or if a repair is related to a manufacturer’s maintenance guidelines.
In other words, AFC won’t always make you submit maintenance records for HVAC systems and tankless water heaters, but it’s best if you’re prepared to prove you’ve maintained them in case the company asks about them.
No technicians for $250 or less in coverage limits
AFC states in its sample contract that it won’t assign a technician for items with $250 or less in coverage, which includes a garbage disposal, ductwork and fans. If you file a claim for these items, the company can choose to pay you cash to have you hire your own repair technician.
Matching replacements
AFC doesn’t mention that it’ll try to match the color or brand of an older appliance or system with the replacement appliance or system. Although most home warranty companies won’t guarantee it’ll happen, many of them say they’ll make an effort to match these features.
Hauling away replaced items
AFC doesn’t cover the cost of having an old appliance or system hauled off after the company has replaced it. This might not seem like a big deal, but you’ll probably be out of pocket for however much a repair technician charges you to get an old item off your property or have to dispose of it yourself.
What homeowners say about AFC Home Warranty
Positive online reviews describe courteous customer service representatives that keep them informed about technician appointments and accurate payments for reimbursements. Customers also note that they appreciate AFC’s competitive pricing.
🚨 Nerd Alert 🚨Our Home Services editorial team noticed that a lot of recent positive online reviews are from customers who are rating their purchasing experience when buying a plan. Many of the reviewers haven’t used their home warranty plans yet. If you’re looking at reviews of home warranty companies, be sure to read each review in full to see if it is relevant to what you want to know about the company
Several customers who had bad experiences with AFC mention the company being unable to find technicians in their areas and poor customer service with slow response times. Some customers also felt that AFC paid much less than what was reasonable for replacements of appliances or systems.
» MORE: Are home warranties worth it?
Where is AFC Home Warranty available?
AFC Home Warranty is available in at least 47 states. The company doesn’t cover homes in California and Hawaii.
AFC’s website has conflicting information about coverage in the state of Washington. We reached out to AFC about this discrepancy but didn’t get a response. We’ll keep trying, and update the information when it’s available.
What to know before buying a home warranty
Reading the coverage and exclusions information in your contract is one of the most impactful things you can do to avoid costly misunderstandings in the future. You have a right to read your contract before purchasing a plan, and it’s important to understand that home warranties:
Always have exclusions to coverage, no matter what their sales pitches say. Read your contract carefully before purchasing a plan — especially anything listed as an exclusion or limit of liability. For example, a company might cover air conditioning systems but exclude certain parts or components, such as coils. Other companies cover plumbing repairs but won’t pay to clear all plumbing stoppages or repair certain types of leaks.
Are not a type of insurance. Even though some companies call their service fees deductibles, home warranties do not work the same way as insurance policies. They differ in what they cover and how they pay for repairs or replacements. A home warranty is not a supplement for homeowners insurance.
Limit how much they pay. If the cost of a repair or replacement goes beyond a limit stated in your contract, you’ll have to pay the difference. For example, if the bill for a repair is $2,000 and the limit is $1,500, you’re required to cover $500. This is in addition to your monthly premium and service fee.
Can deny your claim for several reasons. Examples include if you had work performed on a covered item without approval or you modified the system or appliance.
May not pay enough to cover the full cost of replacing a covered item. Home warranties often depreciate the value of items as they age, so you’ll likely have to pay at least some money to replace an item, even if it’s covered by the contract.
FAQs
What types of plans does AFC Home Warranty have?
AFC has four plans. The Silver Plan covers only major kitchen appliances. The other three plans cover a combination of appliances and major home systems, such as HVAC systems and plumbing issues.
How much does AFC Home Warranty cost?
AFC’s plans can range from $30 to $122 per month, depending on which plan and service fee you choose. The cost will go up if you add optional coverage, such as for a pool or septic system, to your plan.
Does AFC Home Warranty cover clogged pipes?
Yes, AFC covers clogged pipes, known as plumbing stoppages, with the Platinum and Diamond Plans. A repair technician must be able to access the clog from inside your home without cutting into a pipe, wall or floor using a snaking system.
Does AFC Home Warranty cover HVAC repairs?
Yes, AFC covers HVAC repairs with its Gold, Platinum and Diamond Plans. This includes repairs to certain parts for air conditioning and heating systems.
Alternatives to AFC Home Warranty
Choice Home Warranty
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
» MORE: Read our full review of Choice Home Warranty
2-10 Home Buyers Home Warranty
2-10 Home Buyers Warranty offers flexible service fee options and guarantees its repairs for the term of a service agreement.
» MORE: Read our full review of 2-10 Home Buyers Home Warranty
Old Republic Home Protection
Old Republic Home Protection's coverage limits are on the high end compared with competitors, especially for HVAC and appliances.
» MORE: Read our full review of Old Republic Home Protection
First American Home Warranty
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
» MORE: Read our full review of First American Home Warranty
How we rate and review home warranties
Our Home Services team reviews home warranty companies with our readers in mind. We provide unbiased reviews that consider several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. When rating home warranties, we researched 13 companies, compared terms and conditions in their service agreements and read customer reviews from three consumer review websites. While NerdWallet does have partnerships with some home warranty companies, our editorial team is uninvolved in that process to ensure unbiased reviews and recommendations. Read more about how NerdWallet rates home warranties.