AFC Home Club
AFC Home Club, also marketed as American Residential Warranty in some materials, publishes a 60-day money-back guarantee on canceled contracts and a coverage waiting period consistent with the category. Its plan lineup uses a smaller number of tiers than some competitors and lists a defined set of eligible add-ons.
Parent company American Felix Corporation · Value positioning · Updated August 2026
Product lines
Covers a defined list of core systems at the entry price point.
Adds appliance categories to the Silver coverage list.
Combines the broadest published item list with the highest tier's per-item caps.
Warranty summary
| Coverage | Published term |
|---|---|
| Plan structure | Three base tiers (Silver, Gold, Platinum) with a defined published add-on list |
| Service call fee structure | Fixed trade service call fee stated in the plan agreement |
| Published coverage caps | Per-item dollar caps listed in the plan agreement, generally higher on the Platinum tier |
| Waiting period | 30-day waiting period published in the sample contract, with state variation |
| Workmanship guarantee | A limited re-service guarantee on completed repairs is published, with a stated time window |
| Contractor selection policy | Dispatches from its own contractor network by default |
| Cancellation terms | Published 60-day money-back guarantee on new contracts, subject to conditions in the agreement |
| State availability | Sold in a defined set of states; confirm availability and terms for your address |
Coverage caps, exclusions, and fees vary by state, plan, and contract version, so read the current sample contract for your state before assuming a term applies to your quote.
Price positioning
Priced as a monthly or annual premium with a fixed service call fee, and pricing is quote dependent since AFC Home Club does not publish one national figure. Compare only a written, address-specific quote against another provider's written quote.
Contractor network and claim process
Repairs are dispatched to contractors in AFC Home Club's own network. Claims are typically filed online or by phone, and the provider assigns and schedules the servicing contractor.
Maintenance considerations
- Read the plan agreement for the specific item list included in each tier before assuming coverage.
- Check the published per-item cap on your most expensive system against a realistic replacement cost.
- Confirm the price of any add-on you need, since the base plans have a defined published add-on list.
- Ask what the premium looks like at renewal rather than assuming the first-term price holds.
- Confirm your state is on the current availability list before requesting a quote.
- Review the published 60-day money-back guarantee conditions before assuming a full refund applies at any point.
AFC Home Club comparisons
Other home warranty brands
Related calculators
Related buying guides
What a service contract covers and where it stops.
Every warranty question we answer in one place.
Which appliances plans list and which they exclude.
Whether a covered repair is even the right call.
What to do while a claim is still being dispatched.
Seller coverage and buyer transfer at closing.
Financing options
How homeowners pay for this work, with the tradeoffs of each route.
Warranty resources
What manufacturer coverage does and does not include, and where a service contract fits.
Frequently asked questions
What is AFC Home Club's money-back guarantee?
AFC Home Club publishes a 60-day money-back guarantee on new contracts, subject to conditions stated in the agreement. Confirm the exact conditions before assuming a full refund applies after that window.
How many plan tiers does AFC Home Club offer?
It publishes three base tiers, Silver, Gold, and Platinum, each expanding the covered item list and published caps relative to the lower tier.
Is the AFC Home Club service fee fixed?
The plan agreement states a fixed trade service call fee rather than a selectable tier tied to the monthly premium.
Is AFC Home Club available in my state?
It is sold in a defined set of states rather than nationwide. Confirm availability and the applicable contract terms for your address before comparing quotes.
Does AFC Home Club publish claim approval rates?
No independently verifiable, disclosed claim approval rate was found for this review. Treat any approval figure cited elsewhere as unverified.
Verify these details yourself
- Claim approval rates. No independently verifiable, disclosed dataset was found.
- Contractor quality and dispatch speed in a specific ZIP code.
- Renewal pricing after the first contract term, which is not published in advance.
- State-specific exclusions and the current list of states where the plan is sold.
Sources
- AFC Home Club plan pages · Official warranty provider, checked 2026-08-03, confidence: high
- AFC Home Club terms and sample contract · Official warranty provider, checked 2026-08-03, confidence: medium
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