AFC Home Club Review
America's 1st Choice Home Club - the only major home warranty company with no HVAC coverage cap and a choose-your-own-contractor feature.
Overall Score
8.2
out of 10
BBB Rating
B
Accredited
Trustpilot
4.0
out of 5
States
47
available
Our Verdict
AFC Home Club does one thing better than anyone else in this industry: HVAC coverage.
No cap. Not "$5,000 per unit." Not "$3,000 combined." No cap.
If your heat pump fails and replacement runs $11,000, AFC pays for the covered components without a ceiling. That is genuinely, factually unusual in a market where coverage caps are the primary tool every other company uses to limit their payout on expensive claims.
That said, read the fine print. The "no cap" applies to HVAC specifically. Other items - appliances, plumbing components - have per-item caps in the $150-$3,000 range. The no-cap story is real but HVAC-specific.
Score Breakdown
Pros & Cons
+ What Works
- + No HVAC coverage cap - confirmed, real, the company's core differentiator
- + $50,000 annual aggregate limit - highest in the industry
- + Choose-your-own-contractor feature - rare and genuinely valuable
- + BBB accredited with B rating - one of the few mid-size independents with accreditation
- + 4.0 Trustpilot - solid "Great" rating
- + Available in 47 states
- + Flexible service fees: $75, $100, or $125
− What Doesn't
- − Monthly premiums are higher than budget competitors (Choice, Select)
- − Non-HVAC items capped at $150-$3,000 per item - the no-cap story is HVAC only
- − Smaller company - contractor network less deep than AHS in some markets
- − Not available in 3 states (verify which apply to you)
Plans & Pricing
The no-HVAC-cap feature runs through all four plans. You don't need Diamond to get uncapped coverage.
Silver
$44-$55/moCore systems + appliances. HVAC uncapped at all tiers.
HVAC: No cap
Gold
$55-$65/moMore items, higher non-HVAC limits. HVAC still uncapped.
HVAC: No cap
Platinum
$65-$75/moFull coverage. Best all-around value. HVAC uncapped.
HVAC: No cap
Diamond
$72-$82/moTop tier. Additional items, highest per-item limits.
HVAC: No cap
HVAC Cap Comparison
The single most important number in any home warranty. AFC is the outlier.
| Company | HVAC Cap |
|---|---|
| AFC Home Club | No cap |
| Old Republic (Elite) | $6,500/unit |
| American Home Shield (Platinum) | $5,000/unit |
| Armadillo | $3,000/unit |
| Liberty Home Guard | $2,000/unit |
| Choice Home Warranty | $3,000 combined |
| Cinch Home Services | $1,500 combined |
Choose-Your-Own-Contractor
Every other major home warranty company requires you to use a contractor from their network - whoever they dispatch. AFC lets you use your own licensed contractor. Call your regular HVAC tech, get the repair done, submit the invoice, and AFC pays.
This matters most in two situations: rural areas where home warranty contractor networks are thin and the dispatched tech may have limited experience, and homeowners who have established relationships with a specific contractor they trust.
Note: the choose-your-own-contractor process requires claim submission and approval, which takes longer than in-network dispatch.
Sample Coverage Scenario
Heat pump failure in January. Two-zone system. Full replacement required. Contractor quote: $14,800.
- AFC pays
- Full covered cost
- Your cost
- ~$1,000
- AHS pays
- $10,000 (2 units × $5K)
- Your cost
- ~$5,920
AFC saves approximately $4,920 on this single claim. You could pay the difference in AFC vs. AHS monthly premiums for over 15 years before AHS pricing advantage caught up.
BBB & Legal Record
Better Business Bureau
- Rating: B (accredited)
- Trustpilot: 4.0 / 5
- Complaints: Significantly lower than AHS or Choice at comparable scale
Legal & Regulatory History
Clean record
No enforcement actions found as of June 2026. No AG settlements, no FTC actions, no bond compliance issues. Operating since 2009.
Who It's Best For
Good Match
- ✓Homeowner with aging HVAC in a demanding climate - Texas, Arizona, Georgia, Florida, Minnesota. One full HVAC replacement at $9,000 vs. a $2,000 cap saves you $7,000.
- ✓Rural homeowners with thin contractor networks who want to use their own trusted HVAC tech.
- ✓High-value homes with expensive HVAC systems where the $50K aggregate and no cap align with the risk profile.
May Not Be Ideal
- ✗Primarily appliance buyers - Liberty or Choice offer appliance coverage at lower monthly cost.
- ✗Budget-first buyers - AFC premiums are higher than Choice, Select, and some Liberty tiers.
- ✗Buyers who need the widest add-on catalog - Liberty has 40+ add-ons vs. AFC's smaller selection.
Contract Terms
| Waiting Period | 30 days standard |
| Service Fee | $75, $100, or $125 per trade - your choice at enrollment |
| Cancellation | Pro-rated refund after 30 days minus claims paid |
| Auto-Renewal | Yes, annual |
| Arbitration | Yes - standard for the industry |
| Own Contractor | Yes - submit invoice for reimbursement; longer processing than in-network dispatch |
Frequently Asked Questions
Does AFC really have no HVAC coverage cap?
What is AFC Home Club's annual aggregate limit?
Can I use my own HVAC contractor with AFC?
Does the no-cap claim apply to appliances too?
How many states is AFC available in?
Is AFC Home Club BBB accredited?
What is AFC's service fee?
Is AFC Home Club worth the higher premium?
Alternatives to Consider
Compare AFC Against All 15 Providers
See how AFC Home Club stacks up across coverage, price, BBB ratings, and HVAC caps - side by side with every major competitor.
View All ReviewsLast verified June 2026. Pricing, coverage caps, and ratings change. Always verify current details directly with AFC Home Club before purchasing.