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America’s 1st Choice Home Club

4.35 Stars (6 Reviews)
Updated: January 19, 2023
By: Jonathan Trout
Jonathan Trout
Content Manager
Jonathan is a former product and content manager for Retirement Living. His background spans sales/marketing, finance, and telecommunications. Jonathan’s expertise in consumer wellness and research-backed data stories helped educate seniors on financial planning, retirement, and community resources. Jonathan graduated from Oklahoma State University with a B.S. in Environmental Sociology.
Content Manager
Edited by: Lauren Hamer
Lauren Hamer
Lauren is the editor for Retirement Living focused on discussing current senior-related issues, including retirement planning, consumer protection, and health and wellness. With six years of finance and career journalism experience, Lauren has edited personal finance content for Credible, Angi, Slickdeals, Jobs for the Future, and more.

Founded in 2001, America’s 1st Choice Home Club is a home warranty company that has helped thousands of members avoid sizable unexpected home repair bills. AFC Home Club provides free online quotes without the need to enter any personal information, unlike most home warranty companies. You can also call America’s 1st Choice Home Club to get a quote.

Editorial Breakdown

Service Quality 4 Stars
Affordability 4.5 Stars
Coverage 4.3 Stars
Customer Service 4 Stars

Overall Rating 4.2 Stars

Bottom Line

America's 1st Choice Home Club offers four home warranty plans ranging in price from $475 to $650 a year. Plans can be paid in single or monthly payments, either annually or every three years. Paying for three years saves you about $150.

America’s 1st Choice Home Club Review

America’s 1st Choice Home Club provides home warranty services to consumers making it easier to budget for unplanned repairs while providing reliable contractors to make necessary repairs. Choose from four protection levels and many optional service benefits depending on your needs. If a covered appliance or system malfunctions, America’s 1st Choice Home Club sends a qualified technician to repair the problem.


  • Four levels of protection for most budgets
  • Contracts available online for review before purchasing a home warranty
  • Get a quote without providing contact information
  • Buy or create a custom home warranty online or over the phone


  • No coverage for pre-existing conditions

How America’s 1st Choice Home Club Works

To get started with America’s 1st Choice Home Club, choose the Platinum, Gold, Silver or Systems Plan. If an appliance included in your home warranty malfunctions, place a claim online or over the phone and America’s 1st Choice Home Club sends a technician to your home to repair the problem. You can make monthly payments or take advantage of savings by paying for the year. There is a 30-day waiting period after you sign up before your warranty becomes active, which is standard across all home warranty companies.

America’s 1st Choice Home Club Warranty Plans

washer and dryer

Source: Getty

Nearly 40 percent of American adults don’t have the finances on hand to cover a $400 emergency. An America’s 1st Choice Home Club home warranty protects you from expensive repairs and lets you add specific appliance coverage to any plan. For example, you can add septic repair coverage to the Silver or Gold plan for $50 per year. AFC’s website lists several optional coverage choices available to add to any plan.

You can find America’s 1st Choice Home Club home warranty plans on their website so you can see what each home warranty covers and excludes. When deciding on a home warranty, read the contracts to compare service levels and choose a home warranty that fits your needs. Most of the language is easy to understand in the agreements, but an AFC representative will be happy to explain any of the terms. AFC Home Club provides sample contracts online for each of its plans.

  • America’s First Choice Silver

    AFC Silver plan is the most affordable and covers repairs for the majority of the appliances in your home:

    • Washer and dryer
    • Refrigerator
    • Garage door opener
    • Oven, range, cooktop, stove
    • Dishwasher
    • Garbage disposal
    • Water heater

  • America’s First Choice Gold

    The Gold plan offers a worthwhile upgrade by adding the following repairs to the Silver plan:

    • Central air conditioning
    • Heating systems and ductwork
    • Electrical and plumbing systems

  • America’s First Choice Platinum Plan

    The Platinum plan from America’s First Choice Home Club adds a few more components to the Gold plan:

    • Plumbing stoppages
    • Faucets
    • Ice maker
    • Built-in microwave

  • America’s First Choice Systems Plan

    If you aren’t concerned about coverage for appliance repairs, the Systems Plan is your best option for an America’s First Choice Home Club home warranty. This plan covers repairs for:

    • Water heaters
    • Air conditioning and heating systems
    • Electrical and plumbing

America’s 1st Choice Home Club Cost

You can sign up for a one-year or three-year home warranty with America’s 1st Choice Home Club. A three-year plan will net you at least a $150 discount, but the savings can be higher depending on the plan. Once you select your warranty term, you can elect to pay monthly or yearly. You will pay a bit more in total if you go the monthly route, but the amount is negligible in most cases. Keep in mind a home warranty doesn’t replace your homeowner’s insurance.

America’s 1st Choice Home Club Warranty Plans
Payments Silver Gold Platinum Systems
1 Year Plan (1 payment) $400 $550 $625 $450
1 Year Plan (11 monthly payments) $43.18 ($475) $52.27 ($575) $59.09 ($650) $43.18 ($475)
3 Year Plan (1 payment) $1,195 $1,395 $1,595 $1,195
3 Year Plan (18 monthly payments) $69.44 ($1,250) $80.56 ($1,450) $91.67 ($1,650) $69.44 ($1,250)

America’s 1st Choice Home Club Real Estate Service

America’s 1st Choice Home Club provides home warranties to real estate professionals at a discount on behalf of their clients to protect against unforeseen repairs. There is no age restriction on the covered home. America’s 1st Choice Home Club provides 24-hour repair service for the client, and properties with a warranty sell sooner and at a higher price. Warranty claims, customer records and coordinating repair services are all handled in-house.

America’s 1st Choice Home Club Complaints

ConsumerAffairs gives America’s 1st Choice Home Club 4 out of 5 stars with 176 customer ratings. rates AFC Home Club 9.4 out of 10 with 133 reviews. Consumer ratings on Google Reviews average 4.6 stars out of 5.

AFC Home Club has a “B” rating with the Better Business Bureau. Customers filed complaints often after not understanding their contract. America’s 1st Choice either published explanations or problem resolutions on the BBB website. Consumer reviews on the site average out to three out of five stars, mostly positive with some reviewers again not understanding the contract. For example, depending on the service contract you choose, AFC’s warranty covers water heater repairs but not necessarily the cost of a brand-new water heater.

home warranty

Source: Getty

America’s 1st Choice Home Club Q&A

  • Will my home warranty coverage with America’s 1st Choice start immediately?
    Coverage begins 30 days after you purchase an America’s 1st Choice home warranty plan, then lasts 365 days from the purchase date.

  • Is an inspection required to purchase a plan from America’s 1st Choice Home Club?
    No inspection is necessary to buy a home warranty from America’s 1st Choice. Any repair in your warranty contract occurring after the 30-day waiting period is eligible for service. Pre-existing issues related to the failure of appliances, systems or fixtures defined in your America’s 1st Choice contract are not covered whether or not you know about them before buying the home warranty.

  • What is the service call limit on a home warranty from America’s 1st Choice Home Club?
    America’s 1st Choice home warranties provide unlimited service calls. Claims approval depends on the plan you sign up for, but claims are never rejected based on the number filed over the term of the plan.

  • Are there any charges beyond the cost of an America’s 1st Choice Home Club plan?
    We took a look at an America’s 1st Choice Home Club contract and found you will pay a trade call or diagnostic fee directly to the repair service provider who determines how to fix a covered breakdown. This fee is standard for home warranties. However, if the parts used to repair your appliance or system fail and fall within your contract coverage period, you will not pay another diagnostic fee. Read the contract for details.

  • Can I transfer my America’s 1st Choice Home Club repair warranty if I sell my home?
    Yes, America’s 1st Choice Home Club home warranties are transferrable for a $50 fee.


Even if you move into a home with all new appliances, many manufacturer warranties are only one to three years in length. Most appliances last 10 to 15 years, but quite often break down before their time. America’s 1st Choice Home Club can help you avoid the financial crunch of repairs around the house with flexible home warranty plans you can customize.

To get a quote, call 844-203-5105 or start a quote online.

6 America’s 1st Choice Home Club Reviews

Write Review
1 Star

July 27 2022 1:47PM

No coverage mentioned for additional coverage, at the time of sale. I had asked about appliances, meaning ALL electronics included, especially as smart devices are including refrigerators, stoves, and A/C, and was assured smart devices are covered- not quite true.

They don't cover tvs, PCs, etc. in their "Platinum" package and they must be ashamed of their prices, as they don't advertise those nor their "contracts", but rather take the "We'll let you find out the hard way" approach, thus insuring more duped patronage.

As soon as I can, I'll be spending more for a policy that fits my understanding and budget, because I am aware that an informed customer is a better desire with truly honest companies.

Edgar M.
Ocala, FL
1 Star

May 12 2022 8:07PM

As a Disabled Veteran and Consumer, I am utterly appalled by this company. This company talks a good game but does not follow thru. I filed a claim to because my Ameristar AC was not blowing out cold air. Since it came with the house 3 years ago, forgive me for thinking that I would file a claim.

They would send a technician out to see what is wrong. Maybe the AC needs a little Freon, or a valve is not fully open because they do offer that in the warranty. Nope just the runaround and there is nothing we can do. I had no information on it which is why I got a home warranty. Go figure...

They call me back and tell me that I have to contact Trane because it is still under warranty until 11/22 and they can't do anything with it. So, I call Trane who tell me they are not responsible for service calls.

A service technician needs to come out to see what the issue is and if it is Functional part, they can send it in for a replacement. They asked if I knew who installed it because they did not register it. I told them no because it came with the house.

Why that matters you ask? Because since they did not register it there is only basic limited warranty. I even went as far as to look on the Ameristar website. It said the same thing. So, I call AFC back.

They tell me there is nothing they can do because it is under warranty. That if I like I they can recommend but then they are out of it. I got the warranty in case something needed servicing, I wouldn't have to pay more than a deductible to have a technician come out and the repairs.

Now they want to recommend a technician to come out not knowing how much cost is going to be incurred. in trying to use the AFC home warranty, I have found out they don't cover nothing and come up with reasons not to pay for nothing.

Stay away from this company unless you want to be scammed and like paying out extra money on top of paying them.

Coretta D.
Homewood, IL
1 Star

January 25 2021 6:59PM

STAY AWAY FROM THESE GUYS. IT'S FRAUD. Run from them - Run, just run from these guys. I had American Home Shield for several years and they were just awesome.

I moved to AFC due to some cost savings and it has been a very lousy experience. Two times it has happened: 1) Garbage disposal and the dishwasher both stopped working.

When I moved the plug to a different switch for the garbage disposal, it worked, I called them to report the issue but they said they wont cover it even though I have a GOLD plan with Coverage for electrical.

They gave a lame excuse that they don't cover outlets. I have no way of knowing if the dishwasher issue is due to underlying power connectivity failure or due to the dishwasher itself.

CUSTOMER SERVICE IS AWFUL. They are trained to say no to most of the requests, so that they can usurp the money you give by coming up with weird clauses that are corner cases to rule out the service.

Several months ago, I had similar issue for plumbing and garbage disposal. They refused to support as well saying that any leaks to water outlets are not supported and garbage disposal is not supported. THis is the worst company...STAY AWAY.

Sreeram K.
Sammamish, WA
1 Star

November 24 2020 10:13PM

As a new homeowner I thought I was making a great investment in this company to cover my appliances. Not only did they take 3 weeks to have a tech come out. The tech that came just looked at the refrigerator and didn't even bother to kneel to look at what the problem is.

He said the fridge needs to be replaced because the compressor wasn't working. When I call AFC with the resolution they tell me it's a leak and won't cover the fridge. A leak that never occurred. The company is lying so they won't cover my fridge.

Now they are only offering me $200 to replace the a whole fridge. That amount doesn't even even replace the food that went bad. DO NOT USE THIS COMPANY. They are liars and thieves.

Sonia C.
Germantown, MD
1 Star

September 09 2020 10:03PM

We can’t get any Manager to call us back. It’s been 3 weeks and constantly hearing “someone will call you within 24 hours.” We were told 30 days to wait for a claim but now there is actually a 60 day wait if we want full coverage. Totally shady. I will also be complaining to the BBB.

Gina A.
Tomball, TX
2 Stars

November 01 2019 6:55PM

We have AFC home warranty and need to cancel service a our home has sold. When I called to ask what the criteria is to cancel the contract, I was told to "write a letter to the cancellation department with 30 days notice of cancellation." I wrote to AFC on October 11, 2019 cancelling effective November 30, 2019. I gave MORE THAN 30 DAYS NOTICE, per instructions from "Tasmia **" with AFC (called her on 10 /11/2019).

As we were under the assumption that our coverage extended to November 30, we placed an online service request last evening, 10/31/2019, for our builtin microwave that stopped working. Today I received a call from "Heather" that we are not covered as they cancelled our service the day they received our letter! Even though we have already been charged on our credit card for service to November 9, 2019. We are left with a bill of $707.00 for a replacement GE Profile microwave. The current unit cannot be repaired. On the call with "Heather" today she advised that our service ended TODAY. This is not the first issue with AFC.

On Oct 4 we put in a service call for our garage door opener as the safety board in the motor died. We were told that the item was not covered as "safety switched" are not covered. I pulled out the contract and YES! Safety switched ARE covered. After a round-around with AFC, they agreed to reimburse us for the $325. for new opener. Almost a month later, still no reimbursement. We have had Universal Home Protection, American Home Shield and Home Service Club warranties on other homes we've owned. I could kick myself for going with AFC this time.

Kathy C.
Lakewood Ranch, SELECT A STATE