AFC Home Club vs American Home Shield (2020)

AFC Home Club vs American Home Shield (2020)

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The This Old House Reviews team compared AFC Home Club and American Home Shield on their home warranty coverage offerings, customer reviews, and pricing to help you decide which provider is best for your home.

Looking for a comparison of AFC Home Club vs. American Home Shield? AFC Home Club and American Home Shield both offer home warranty plans across the U.S. that protect major appliances and systems from expensive repairs. The This Old House Reviews team analyzed both providers’ plans, pricing, and customer reviews to help you determine which offers the best home warranty for your home protection needs.

AFC Home Club offers four different coverage plans with a service guarantee that lasts for the entire duration of a homeowner’s membership. Not to mention, AFC Home Club offers unique benefits like free credit monitoring and discounts on maintenance-related parts and supplies.

To save up to $150 on a new plan, call AFC Home Club at 678-335-2181 or fill out this quick form.

The longest-running and most popular home warranty company, American Home Shield has millions of customers nationwide and a large contractor network of more than 16,000 independent

professionals. Aside from its trustworthiness, American Home Shield offers some of the most comprehensive coverage available and even lets customers customize protection with their BuildYour-Own Plan.

For $50 off of a new plan, call American Home Shield at 844-529-9298 or complete this quick form.

AFC Home Club vs. American Home Shield Coverage Both AFC Home Club and American Home Shield offer four different coverage plans, but American Home Shield offers a unique Build-Your-Own Plan. Keep reading to learn how each company’s coverage plans stack up against each other.

AFC Home Club Coverage AFC Home Club offers four different coverage plans: a Platinum Plan, Gold Plan, Silver Plan, and System Plan. The Platinum Plan is AFC Home Club’s most comprehensive plan, while the System Plan only covers systems and the Silver Plan only covers appliances. The company’s Gold Plan covers everything in the Platinum Plan, except for plumbing stoppages, an ice maker, and a built-in microwave.

Here’s what each AFC Home Club plan covers: AFC Home Club also offers six optional add-ons: Sump pump Septic system Hot water dispenser Pool and spa Stand alone freezer Tankless water heater

American Home Shield Coverage There are four American Home Shield plans: an Appliances Plan, Systems Plan, Combo Plan, and Build-Your-Own Plan. The Combo Plan offers protection for both systems and appliances, the Appliances Plan covers essential home appliances, and the Systems Plan protects major home systems. The Build-Your-Own Plan lets homeowners choose 10 or more items that they would like to cover in their home warranty plan. Every additional item after the tenth item costs $2 per item per month.

The table below shows the specific items covered under each American Home Shield plan: In addition to these plans, American Home Shield offers five optional add-ons: Electronic extended warranty Septic pump Well pump Pool and spa Guest units up to 750 square feet

AFC Home Club vs. American Home Shield Cost AFC Home Club and American Home Shield offer coverage plans at roughly the same monthly cost, but the low end of American Home Shield’s monthly cost range is more expensive than that of AFC Home Club.

Both companies offer the ability to choose a service fee between $75 and $125. Customers who choose a lower service fee will usually pay a higher monthly premium, while customers who choose a higher service fee will have a relatively lower monthly premium.

AFC Home Club and American Home Shield Guarantees AFC Home Club guarantees parts and labor on repairs for the entirety of a customer’s membership, a rarity in the home warranty industry, while American Home Shield provides a 60-day service guarantee on parts and labor.

AFC Home Club vs. American Home Shield Reviews American Home Shield and AFC Home Club received a B rating from the Better Business Bureau (BBB) and are both accredited by the organization. Regarding customer reviews, AFC Home Club reviews have been slightly more positive than American Home Shield reviews. However, American Home Shield has received substantially more customer reviews than AFC Home Club.

Our Conclusion AFC Home Club and American Home Shield are two of the best home warranty companies in the industry. They both offer four extensive coverage plans at relatively affordable pricing and hold a B rating from the BBB. If you’re looking for a lifetime guarantee or want unique benefits with your home warranty plan, consider AFC Home Club. If you want customizable coverage, American Home Shield may be a good option for their Build-Your-Own Plan. Customers who live in Hawaii, California, South Carolina, and Nevada may also prefer American Home Shield since AFC Home Club doesn’t offer services in those states.

Before buying a home warranty, we recommend getting quotes from AFC Home Club and American Home Shield using the panel above. Doing so will help you compare current pricing and promotions for your home. For more information on each of these providers, read our AFC Home Club review and American Home Shield review.

Frequently Asked Questions About Home Warranties How does AFC Home Club’s service guarantee compare to American Home Shield’s service guarantee?

AFC Home Club guarantees parts and labor for the entire duration of your membership, while American Home Shield offers a 60-day guarantee on parts and labor.

Do AFC Home Club and American Home Shield cover air conditioning systems?

Both AFC Home Club and American Home Shield cover air conditioning systems in their plans. AFC Home Club covers air conditioning in its System, Gold, and Platinum Plans. American Home Shield covers air conditioning in its Systems and Combo Plan, but it can also be added to a Build-Your-Own Plan.

What is the difference between homeowners insurance and a home warranty?

A home warranty, also known as a home service contract, protects homeowners from expensive repair bills caused by normal wear and tear, while homeowners insurance protects your house and its belongings in the event of a destructive event, such as a fire, flood, or theft.

How does a home warranty work?

Homeowners pay a monthly payment, also called a premium, of about $25 to $60 per month for their plan. When they need a repair or replacement on a covered item, homeowners submit a service request with their home warranty company and pay a service fee typically between $60–$125.

What is the waiting period on a home warranty?

In general, there’s a waiting period of 30 days after purchasing a home warranty before you can file your first claim with the company. Both AFC Home Club and American Home Shield have a 30-day waiting period.

What are some other top home warranty companies?

In addition to American Home Shield and AFC Home Club, here are some other top-rated home warranty companies that made the This Old House Reviews team’s list: Choice Home Warranty Amazon Home Warranty Select Home Warranty First American Home Warranty Liberty Home Guard To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhouse.com.