AFC Home Club
A newer provider offering a concierge-style claims experience with no coverage caps on many items.
Reliability Score
79
out of 100 · grade B
Top-third Reliability Score
The verdict: Reputation data puts AFC Home Club at 79/100 (grade B) for reliability, reflecting a B BBB rating, 4.05★ across 348 BBB reviews and 4.1★ on Trustpilot.
79/100 (grade B) puts AFC Home Club in the strongest third of 19 scored issuers · corpus #5.
Better Business Bureau · Trustpilot reputation blend, see methodology.
AFC Home Club vs every tracked home warranty company
Reliability Score (0-100), Better Business Bureau + Trustpilot blend
79 Top 26% higher than 74% of 19 companies
Companies, banded by Reliability Score
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source BBB + Trustpilot reputation blend · 2026-06-15
Where AFC Home Club sits: cost vs. reliability
The two numbers that actually trade off when picking a home warranty plan, plotted against 19 tracked peers. Dividers sit at the peer-group median ($500/yr, 63/100), not a simple high/low average, so one outlier can't drag the split off-center. See the full registry view on the homepage.
AFC Home Club vs. cost-and-reliability peers
Independent reputation signals
B
BBB rating · accredited
4.05★
348 BBB reviews · top third
4.1★
466 Trustpilot reviews · top third
60
BBB complaints (12 mo) · 185 over 3 yr
Among 19 listed issuers, AFC Home Club's 60 BBB complaints in the last 12 months place it #15 (0% of the corpus total); raw counts are not a reliability ranking.
Top-third Reliability Score - weighted signals
Each signal scaled 0–100, then weighted.
B grade
4.05★ · 348 reviews
4.1★ · 466 reviews
Annual cost
$400-$750
Service fee
$75-$125
Availability
47 states
Customer base
100,000+
Revenue band
$10M-$50M
Official site
AFC Home Club coverage on two plan tiers
| System / Appliance | Platinum | Silver |
|---|---|---|
| Ceiling Fans | ||
| Central Vacuum | ||
| Ductwork | ||
| Electrical | ||
| Garage Door Opener | ||
| HVAC | ~ | |
| Kitchen Appliances | ||
| Laundry Appliances | ||
| Plumbing | ||
| Pool/Spa | ||
| Roof Leak | ~ | |
| Septic System | ||
| Water Heater | ~ | |
| Well Pump | ~ |
Hover icons for limit and exclusion details. Based on AFC Home Club's published plan documents.
Across 14 system types in this matrix, 10 show full coverage on at least one tier. Uncommon inclusions here: Central Vacuum (17/19 issuers), Ductwork (18/19 issuers).
Available in 47 states
Not currently available in 4 states:
Nationwide companies with similar reliability or review volume
Two peer sets for AFC Home Club on BBB/Trustpilot-derived metrics that vary across the full issuer corpus, not state service-area overlap.
Similar reliability score
Nearest Reliability Scores (79/100 here).
Similar Trustpilot review volume
Nearest Trustpilot review counts (466 here).
Top-third Reliability Score
Why AFC Home Club lands in the top reliability third
79/100 (grade B) puts AFC Home Club in the strongest third of 19 scored issuers · corpus #5.
A Reliability Score of 79/100 (grade B) is where AFC Home Club's BBB rating, BBB reviews and Trustpilot data lands it. Complaint resolution is where the BBB grades it B, and on top of that, customers rate it 4.05★ on the BBB and 4.1★ on Trustpilot.
Founded in 2018. Available in 47 states. Plans run $400-$750 per year, plus a $75-$125 service fee per visit. A home warranty lives or dies on its exclusions list, not its price tag, so review the sample contract closely before buying.
Disclaimer: Informational only; not legal, financial, or insurance advice. Figures are point-in-time snapshots from the sources above and change over time. Always confirm current plan terms directly with the company before purchasing.
AFC Home Club FAQ
How reliable is AFC Home Club?
AFC Home Club has a PlainWarranty Reliability Score of 79/100 (grade B), based on a B BBB rating, 4.05★ across 348 BBB reviews and 4.1★ on Trustpilot. The score blends independent reputation signals only and excludes raw complaint counts.
How does AFC Home Club rank against other home warranty companies?
AFC Home Club ranks #5 of 19 home warranty companies we track by Reliability Score, ahead of 74% of the tracked companies.
What does AFC Home Club's BBB rating mean?
AFC Home Club holds a B Better Business Bureau rating, which reflects how it handles and resolves complaints, separate from its customer review average.
Is AFC Home Club a good value?
AFC Home Club plans run $400-$750 per year with a $75-$125 service fee. The cheapest plan is rarely the best value, the contract's coverage limits and exclusions matter more than the premium.