AFC Home Club

What AFC Home Club does

AFC Home Club, founded in 1995 and headquartered in Marietta, Georgia, is a privately held U.S. home warranty service contract provider operating across 48 states plus Washington D.C. (excluding California, Washington, and Hawaii). The company sells tiered annual subscription plans (Diamond, Platinum, Gold, Silver) covering repair and replacement of up to 24 home appliances and systems including HVAC, plumbing, electrical, kitchen and laundry appliances, plus modular add-ons for pool/spa, septic, well pump, sump pump, roof leak, exterior sewer/water lines, and electronics. Specialized Real Estate Plans serve home buyers, sellers, and agents with waived waiting periods upon valid home inspection.

The underlying technology consists of an in-house service operations platform with claims processing, a nationwide contractor network management system spanning 40,000+ licensed, bonded, and insured technicians, and an online member portal for 24/7 service requests and account management. A member-facing differentiator is the ability to choose one's own technician, alongside a life-of-plan work guarantee of up to three years (vs. the 30-60 day industry standard).

Revenue is generated through recurring annual or monthly membership premiums plus per-claim service fees ($75, $100, or $125). Distribution is direct-to-consumer via phone sales and self-serve online quoting, supplemented by a real estate agent channel (including a partnership with Rocket Mortgage) and earned media through industry recognitions (Forbes Advisor, BBB, Consumer Affairs, Consumer's Advocate). The customer base is broadly distributed across U.S. residential homeowners with no disclosed concentration in any single customer, industry, or geography beyond the three-state exclusion list.

Name

AFC Home Club

Legal name

AFC Home Club

Website

https://afchomeclub.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

AFC Home Club is a U.S. home warranty service contract provider founded in 1995, selling tiered subscription plans covering repair and replacement of home appliances and systems across 48 states, serving residential homeowners, buyers, sellers, and real estate agents through direct and partner channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Marietta

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Supply Chain, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Home Warranty Membership Plans: AFC generates revenue through recurring membership fees for home warranty service contracts. Plans cover repair or replacement of home appliances and systems due to normal wear and tear. Members pay monthly or annual premiums plus service fees per claim. AFC offers four tiered plans (Diamond, Platinum, Gold, Silver) with varying coverage levels and optional add-ons including pool/spa, septic systems, well pumps, and electronics coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

AFC Home Club sells home warranty service contracts that cover the repair or replacement of home appliances and systems due to normal wear and tear. Members subscribe to tiered plans (Diamond, Platinum, Gold, and Silver) with optional add-on coverages for items such as pools, septic systems, well pumps, sump pumps, roof leaks, electronics, and exterior sewer/water lines. The company also offers specialized Real Estate Plans for home buyers, sellers, and agents, and supports all plans with an in-house claims team, a nationwide licensed technician network, and an online member portal.

Product overview

AFC Home Club offers a tiered home warranty service contract product portfolio centered on four core plan levels (Diamond, Platinum, Gold, Silver) that cover repair and replacement of home appliances and systems. The Diamond Plan serves as the premium tier including electronics and exterior sewer/water line coverage, while Platinum and Gold provide graduated traditional home warranty coverage, and Silver offers entry-level appliance protection. Add-on modules extend coverage to pool/spa, septic systems, well pumps, sump pumps, roof leaks, electronics, and exterior utility lines. The company also offers specialized Real Estate Plans for home buyers, sellers, and agents. All plans include access to an online member portal, choice of technician, and additional member benefits such as credit monitoring and discounts. AFC positions itself as a service contract provider rather than a traditional warranty company, covering mechanical malfunctions of home systems and appliances due to normal wear and tear.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Warranty Plans (Diamond, Platinum, Gold, Silver) Tiered subscription home warranty service contracts for residential homeowners covering repair or replacement of home appliances (kitchen, laundry) and systems (HVAC, plumbing, electrical, water heater) due to normal wear and tear. Diamond is the most comprehensive tier with 18 systems/appliances plus electronics and exterior sewer/water lines; Platinum covers 18 essential systems/appliances; Gold covers 15 important appliances/systems; Silver covers 9 essential household appliances. Members pay monthly or annual premiums plus per-claim service fees of $75, $100, or $125.
• Real Estate Plans

Quantifiable outcome

• Save homeowners over $11 million in repair costs
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered minor and core.

• This Old HouseminorGTM or Marketing PartnerThis Old House is a media partner that features AFC Home Club as a recommended home warranty provider. The partnership provides brand visibility and credibility through association with the well-known home improvement media brand.
• Rocket MortgageminorGTM or Marketing PartnerRocket Mortgage, a digital mortgage lender, partners with AFC to offer home warranty options to mortgage customers during the home buying process.
• Money.comminorGTM or Marketing PartnerMoney.com features AFC as a recommended home warranty provider, providing editorial credibility and referral traffic from personal finance content.
• American Water ResourcescoreStrategic or Co-development PartnerAmerican Water Resources provides exterior water and sewer line coverage as a bundled program. Oncourse Home Solutions, LLC is the provider of the programs and American Water Resources, LLC is the administrator. This partnership extends AFC's coverage offerings to include exterior lines which are typically outside standard home warranty scope.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• American Home Shield (AHS): American Home Shield is the largest US home warranty service contract provider, offering tiered plans covering home appliances and systems. It is the closest direct competitor to AFC in product scope, target customer, and distribution model.
• First American Home Warranty: First American Home Warranty is a top-tier US home warranty company offering appliance and systems coverage similar to AFC's plans, with strong real estate agent distribution — directly comparable in product and channel strategy.
• Cinch Home Services: Cinch Home Services is a national home warranty provider with tiered plans and add-on coverage for appliances, systems, and electronics. Directly comparable to AFC's product portfolio and consumer target.
• Choice Home Warranty: Choice Home Warranty is a US home warranty company offering appliance and system service plans to homeowners and real estate clients, with a similar direct-to-consumer and agent-driven GTM motion as AFC.
• Liberty Home Guard: Liberty Home Guard is a home warranty service contract provider with tiered plans and add-ons, marketing directly to homeowners and real estate agents. Closely comparable to AFC in coverage breadth and channel mix.
• 2-10 Home Buyers Warranty: 2-10 HBW is a major home warranty provider with deep real estate agent partnerships and structural/system coverage analogous to AFC, particularly strong in the builder and real estate segments AFC targets.
• Old Republic Home Protection: Old Republic Home Protection is an established home warranty provider offering service contracts on home systems and appliances, with broad US coverage and a comparable tiered plan structure to AFC.
• Home Warranty of America (HWA): Home Warranty of America is a national home warranty company offering appliance and systems plans distributed through real estate professionals and direct channels — closely overlapping AFC's customer base and product approach.

Broad incumbents

• Frontdoor: Frontdoor is the publicly traded parent of American Home Shield, offering home protection plans and on-demand services at significant scale. It is a broad incumbent that competes head-to-head with AFC across all plan tiers and geographies.

Emerging players

• Hippo Insurance: Hippo is a tech-enabled homeowners insurer that has expanded into home protection and warranty-adjacent offerings, targeting similar homeowners with bundled coverage. It is an emerging player intersecting with AFC's market via a different (insurance-led) go-to-market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AFCHomeWarranty
• Xx.com/AFCHomeClub

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AFC Home Club