America’s 1st Choice Review
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America’s 1st Choice Reviews

Lauren Le-Hair


Lauren Le-Hair

Repairs Covered Under an Extended Warranty
Repairs Covered Under an Extended Warranty
About America’s 1st Choice

Based in Marietta, Georgia, America’s 1st Choice (AFC) was established in 2009. In this short time, AFC has established itself as one of the most trustworthy and well-respected companies in the home warranty industry. AFC has consistently good customer reviews, with repeated praise for ease of sign-up and the speed of service. The prominent company is also famed for its generous guarantee, with labor and parts guaranteed as long as you remain a member.









America’s 1st Choice Home Warranty Review

AFC offers four different levels of home warranty to help homeowners manage the risk of essential household systems and items breaking down. AFC home warranties are available in all states except for California and Hawaii. Home warranties provide cover for items that are typically not included in homeowner’s insurance. Examples of items covered under home warranty but not homeowner’s insurance would be air conditioning units, clothes washers, and refrigerators. 

America’s 1st Choice Home Warranty Highlights


12 months to 36 months


Not required


Home visit by a contractor within 1 to 4 days


can range from $3,000 to $250


$75 - $125








$200 off the annual policy for the first year


4 plans: platinum, gold, silver, and system

Pros & Cons

  • Can choose to use your own licensed contractor
  • Parts and labor are guaranteed for the life of the contract in place
  • 24/7 helpline available
  • May need to use own contractor for outside of regular working hours emergencies
  • Not available in California or Hawaii
  • Some payout caps are lower than competitors

Plan Types

System – Basic protection for the 6 most basic household systems, including heating and cooling, plumbing, and electrical.
Silver – Provides coverage for 9 appliance types, including kitchen appliances, laundry appliances, and garage door automation.
Gold – Combines system and silver to cover all major systems and appliances.
Platinum – As gold plus ceiling, exhaust, and attic fan coverage.

Optional Add-Ons

Sump pump, stand-alone freezer, second refrigerator, septic system, well pump, pool, and spa.


Pre-existing conditions, Acts of God, issues caused by abuse or neglect, damage due to rust or corrosion. Additionally, each system has specific exclusions. For example, air conditioning is covered, but window units for air conditioning systems are not. Check the terms for all exclusions.

Plans & Pricing

AFC offers four different home warranty plans:

  • The System plan covers the main household systems, including air conditioning, heating, water heating, electrical system, plumbing, and ductwork. The System plan costs between $424 – $480 a year, depending on the service fee chosen, with options ranging from $75 – $125.
  • The Silver plan covers the main appliances within a home, including clothes dryers, clothes washers, refrigerators, ovens, ranges, dishwashers, garbage disposals, and garage door openers. This plan costs $339 – $396 a year, depending on the service fee chosen.
  • The Gold plan combines the systems covered in the System plan and the appliances covered in the Silver plan. The Gold plan costs $509 – $565 per year, depending on the service fee selected.
  • The Platinum plan covers everything in the Gold plan, plus plumbing stoppages, faucets, ice makers, built-in microwaves, and fans. This premium coverage level costs between $565 – $622 per year.

In addition to these plans, further optional add-ons are available. A full list of the add-ons and their annual costs are as follows:

  • In-ground pool: $100
  • In-ground pool and spa: $150
  • Sump pump: $35
  • Hot water dispenser: $35
  • Roof leak: $25
  • Double oven: $25
  • Septic system: $50
  • Stand-alone freezer: $25
  • Central vacuum: $25
  • Well pump: $50

Pricing is not readily transparent on the AFC website, but the process of obtaining a quote is so quick that the pricing for each plan is easily available. There is no home inspection required to take out an AFC home warranty, and contract terms are between one and three years long.

How to Get Started America’s 1st Choice

Buying a home warranty with AFC was extremely quick and easy to do
Screen 1

Enter your home address and complete a simple form

From the AFC home page, we had to click the button that urged us to get a ‘Free Quote in 30 Seconds’. After this, we entered our home address and had to complete this simple form.

After completing this and selecting ‘View Pricing,’ AFC took us to a page where we could choose our desired home warranty plan. We found that the plan selection page gave us the most informative view of which plan was correct for us. Also, by clicking on the question mark next to each item covered, we could see exactly what was included in the policy and what wasn’t.

We selected the Gold package, which then took us to the purchase page. From here, we could decide if we wanted a one or three-year policy. We were also able to pick our service fee and any optional add-ons.

At this point, we were able to pay for the home warranty. It really was as easy as that.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Not Available - California, Hawaii.

Privacy & Security

AFC states that your personal information will never be shared or sold to any third party. Further, no personal information is required to get a quote from AFC, and this, combined with the strict privacy policy in place, ensures that customer data is safeguarded correctly.

Customer Support

You can contact the friendly yet professional AFC customer support team via phone call or email. We called the company’s helpline at (877) 755-1115, and our call was answered quickly. The customer support agent was very efficient, logging our details and guiding us through the process.

Customer support lines are open 24/7. Yet, we were told by a customer service agent that the team cannot always get in touch immediately with a contractor, like at night or on the weekend. The support staff told us that if we needed emergency work during these times, we could contact a licensed contractor directly and that AFC would reimburse us for the expense.

Overall, AFC has a good reputation for customer service and has a ‘B’ rating from the Better Business Bureau, which is a high rating for a company in the home warranty business.

Phone Support
(855) 586-3922
Mon - Sun

In Conclusion

AFC home warranties provide a stress-free, affordable solution to ensure peace of mind for your home appliances. The company provides four coverage options to cater to all budgets. Plus, being allowed to choose your own contractor is a nice perk that not many home warranty companies offer. In an industry where many companies have a poor online reputation, the good customer reviews enjoyed by AFC speaks for itself.


Do I need a home warranty as well as homeowner’s insurance?
Homeowner’s insurance covers the structure and physical issues with the property itself. Home warranty covers the appliances and systems inside the house that homeowner’s insurance does not cover.
Do I need a home inspection before getting a home warranty?
No, but any issue that arises during the first 30 days after the home warranty is entered into is deemed a pre-existing condition. Therefore, it will not be covered by the policy.
How long do AFC home warranties last?
Home warranty terms last for between one and three years.

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Lauren Le-Hair

As an experienced content writer, Lauren’s passion for the finance sector is only exceeded by her love of writing. Lauren specializes in the financial industry, drawing on her knowledge and experience to deliver top-quality, specialized content with an expert tone of voice and a unique flair. She also holds a First Class (Hons) Batchelor’s degree from Staffordshire University.