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MarketWatch强调这些产品和服务，因为我们认为读者会发现它们有用。此内容独立于MarketWatch新闻编辑室，如果您通过本文中的链接购买产品，我们可能会获得佣金。
America’s 1st Choice Home Club (AFC Home Club) and American Home Shield (AHS) are two top-rated home warranty providers that offer multiple coverage plans to homeowners looking to protect major systems and appliances. In this review, we evaluate AFC Home Club and American Home Shield by comparing their coverage, pricing and customer reviews to help you determine which home warranty provider is the best for you and your home.
America 's first Choice Home Club (AFC Home Club)和American Home Shield (AHS)是两家顶级的家庭保修供应商，为希望保护主要系统和家电的房主提供多种覆盖计划。在这篇综述中，我们通过比较AFC Home Club和American Home Shield的覆盖范围、价格和客户评论来评估它们，以帮助您确定哪家家庭保修提供商最适合您和您的家。
In this article: AFC Home Club vs. American Home Shield comparison
本文简介:AFC主场俱乐部与美国主场盾杯的比较
AFC Home Club coverage
亚足联主场俱乐部报道
American Home Shield coverage
美国家园保护系统
Coverage comparison
报道的比较
Cost comparison
成本比较
AFC Home Club and American Home Shield reviews
AFC主场俱乐部和美国主场盾评论
Our conclusion
我们的结论
Frequently asked questions AFC Home Club vs. American Home Shield comparison
| AFC Home Club | American Home Shield | |
| Get a free quote | Visit site | Visit site |
| Superlative | Best plan variety | Best overall |
| Plan options | Systems Plan, Silver Plan, Gold Plan, Platinum Plan and optional add-ons | Appliances Plan, Systems Plan, Combo Plan and optional add-ons |
| Cost | $31–$46 per month | $50–$60 per month |
| Service fee | $75–$125 | $75–$125 |
| State availability | 46 states (not available in Nevada, California, Hawaii, or South Carolina) | 49 states (not available in Alaska) |
| BBB rating | B | B |
| Years in business | 10 | 49 |
常见问题AFC主场俱乐部与美国主场盾的比较
| AFC Home Club | American Home Shield | |
| Get a free quote | Visit site | Visit site |
| Superlative | Best plan variety | Best overall |
| Plan options | Systems Plan, Silver Plan, Gold Plan, Platinum Plan and optional add-ons | Appliances Plan, Systems Plan, Combo Plan and optional add-ons |
| Cost | $31–$46 per month | $50–$60 per month |
| Service fee | $75–$125 | $75–$125 |
| State availability | 46 states (not available in Nevada, California, Hawaii, or South Carolina) | 49 states (not available in Alaska) |
| BBB rating | B | B |
| Years in business | 10 | 49 |
AFC Home Club coverage
亚足联主场俱乐部报道
AFC Home Club offers extensive home warranty coverage through four plans: the Systems Plan, Silver Plan, Gold Plan and Platinum Plan. In addition to its standard plans, AFC Home Club allows customers to purchase additional coverage for any selected plan. Here’s a look at the number of items covered under each AFC Home Club plan.Number of covered items under AFC Home Club plans
| Systems Plan | Silver Plan | Gold Plan | Platinum Plan | |
| Number of covered appliances | — | 9 | 9 | 11 |
| Number of covered systems | 6 | — | 6 | 7 |
AFC家庭俱乐部通过四种计划提供广泛的家庭保修范围:系统计划，银计划，金计划和白金计划。除了它的标准计划，AFC Home Club允许客户为任何选定的计划购买额外的保险。以下是每个AFC主场俱乐部计划所涵盖的项目。AFC主场俱乐部计划涵盖的项目数量
| Systems Plan | Silver Plan | Gold Plan | Platinum Plan | |
| Number of covered appliances | — | 9 | 9 | 11 |
| Number of covered systems | 6 | — | 6 | 7 |
Customers who want additional protection outside of their selected coverage plan can purchase optional coverage for the following 12 items: Sump pump
客户谁想要额外的保护以外的选择保险计划，可以购买以下12项可选的保险项目
Double oven
双炉
Septic system
化粪池
Hot water dispenser
热饮水机
In-ground pool and spa
地下游泳池和水疗中心
Stand-alone freezer
独立的冰箱
Tankless water heater
热水器的后果
Central vacuum
中央真空
Well pump
井泵
Ice maker
制冰器
In-ground pool
掩埋式池
Built-in microwave
内置的微波
To receive a quote from AFC Home Club, call 678-335-2181 or fill out this quick form. Currently, AFC Home Club is offering MarketWatch readers a $150 discount.American Home Shield coverage
要收到来自AFC主场俱乐部的报价，请致电678-335-2181或填写这张快速表格。目前，AFC Home Club为MarketWatch的读者提供150美元的折扣。美国家园保护系统
American Home Shield provides homeowners with the choice of three coverage plans: an Appliances Plan, a Systems Plan and a Combo Plan. The Appliances Plan includes coverage for essential appliances like your refrigerator and dishwasher, the Systems Plan protects systems like your air conditioning and plumbing, and the Combo Plan covers a variety of systems and appliances.
“美国家庭盾”为房主提供三种保险计划供其选择:家用电器计划、系统计划和组合计划。“家电计划”包括冰箱和洗碗机等基本家电，“系统计划”保护空调和管道等系统，“组合计划”涵盖各种系统和家电。
Here’s an overview of the number of covered items under each American Home Shield plan.Number of covered items under American Home Shield plans
| Appliances Plan | Systems Plan | Combo Plan | |
| Number of covered appliances | 10 | — | 10 |
| Number of covered systems | — | 11 | 11 |
以下是每个“美国家园保护计划”所涵盖项目的概览。美国家园盾计划覆盖的物品数量
| Appliances Plan | Systems Plan | Combo Plan | |
| Number of covered appliances | 10 | — | 10 |
| Number of covered systems | — | 11 | 11 |
Similar to AFC Home Club, American Home Shield provides optional coverage that can be added onto any plan. American Home Shield offers the following optional add-ons: Electronics extended warranty
类似于AFC Home Club，美国家园之盾提供可选择的覆盖面，可以添加到任何计划。美国家庭盾提供以下可选附加组件:电子产品延长保修
Pool and inground spa
游泳池和地下温泉
Well pump
井泵
Septic pump
败血性泵
Guest unit under 750 square feet
客房面积低于750平方英尺
To receive a quote from American Home Shield, call 844-529-9298 or fill out this simple online form. American Home Shield is offering MarketWatch readers $50 off of a policy.AFC Home Club vs. American Home Shield coverage comparison
要从美国家园盾收到一个报价，请致电844-529-9298或填写这个简单的在线表格。美国Home Shield为MarketWatch的读者提供50美元的保单折扣。AFC主场俱乐部与美国主场盾的覆盖率比较
While home warranty coverage from AFC Home Club and American Home Shield gives customers the ability to protect appliances, systems or a combination of both, the two providers don’t cover the exact same items. Take a look at the comparison table below to gain an understanding of the covered items under each company’s most comprehensive plan.AFC Home Club and American Home Shield plan comparison
| AFC Home Club | American Home Shield | |
| Air conditioner | ✔ | ✔ |
| Refrigerator | ✔ | ✔ |
| Clothes washer | ✔ | ✔ |
| Clothes dryer | ✔ | ✔ |
| Heating system | ✔ | ✔ |
| Electrical system | ✔ | ✔ |
| Plumbing system | ✔ | ✔ |
| Plumbing stoppages | ✔ | |
| Water heater | ✔ | ✔ |
| Oven/range/cooktop | ✔ | ✔ |
| Dishwasher | ✔ | ✔ |
| Built-in microwave oven | ✔ | ✔ |
| Garbage disposal | ✔ | ✔ |
| Ductwork | ✔ | ✔ |
| Garage door opener | ✔ | ✔ |
| Exhaust fans | ✔ | |
| Ceiling fans | ✔ | |
| Trash compactor | ✔ | |
| Free-standing ice maker | ✔ | ✔ |
| Built-in food center | ✔ | |
| Instant hot/cold water dispensers | ✔ | |
| Smoke detectors | ✔ | |
| Central vacuum | ✔ | |
| Doorbell | ✔ |
虽然AFC home Club和American home Shield提供的家庭保修覆盖范围可以让客户保护电器、系统或两者兼备，但这两家供应商的保修范围并不完全相同。看看下面的对比表，了解每个公司最全面的计划下涵盖的项目。AFC主场俱乐部和美国主场盾计划比较
| AFC Home Club | American Home Shield | |
| Air conditioner | ✔ | ✔ |
| Refrigerator | ✔ | ✔ |
| Clothes washer | ✔ | ✔ |
| Clothes dryer | ✔ | ✔ |
| Heating system | ✔ | ✔ |
| Electrical system | ✔ | ✔ |
| Plumbing system | ✔ | ✔ |
| Plumbing stoppages | ✔ | |
| Water heater | ✔ | ✔ |
| Oven/range/cooktop | ✔ | ✔ |
| Dishwasher | ✔ | ✔ |
| Built-in microwave oven | ✔ | ✔ |
| Garbage disposal | ✔ | ✔ |
| Ductwork | ✔ | ✔ |
| Garage door opener | ✔ | ✔ |
| Exhaust fans | ✔ | |
| Ceiling fans | ✔ | |
| Trash compactor | ✔ | |
| Free-standing ice maker | ✔ | ✔ |
| Built-in food center | ✔ | |
| Instant hot/cold water dispensers | ✔ | |
| Smoke detectors | ✔ | |
| Central vacuum | ✔ | |
| Doorbell | ✔ |
Both AFC Home Club and American Home Shield limit the amount of money they’ll pay for a covered repair or replacement—this is known as a coverage cap. To help you make an informed purchasing decision, we’ve looked through both providers’ sample contracts and parsed out information where available regarding their respective coverage caps.AFC Home Club vs. American Home Shield coverage caps
| AFC Home Club | American Home Shield | |
| Appliance coverage cap | $2,000* | $3,000 |
| Air conditioning coverage cap | $2,000 | $1,000 |
| Heating system coverage cap | $2,000 | $1,000 |
| Plumbing system coverage cap | $500 | $1,000 |
亚足联国内俱乐部和美国家庭保护限制的钱他们会支付覆盖修理或replacement-this称为覆盖帽。来帮助你做出明智的购买决定,我们已经看了两个供应商的样品合同和解析信息,提供关于各自覆盖帽。亚足联主场vs美国主场盾赛事的报道封顶
| AFC Home Club | American Home Shield | |
| Appliance coverage cap | $2,000* | $3,000 |
| Air conditioning coverage cap | $2,000 | $1,000 |
| Heating system coverage cap | $2,000 | $1,000 |
| Plumbing system coverage cap | $500 | $1,000 |
*While most appliances have a coverage cap of $2,000, coverage caps will vary by item.AFC Home Club vs. American Home Shield cost comparison
*虽然大多数电器的保险上限为$2,000，但不同项目的保险上限会有所不同。AFC主场俱乐部与美国主场盾的成本比较
AFC Home Club coverage starts as low as $31.25 per month, while American Home Shield is more expensive, with plans starting at $50 per month. On average, AFC Home Club plans range between $31 and $46 per month, while American Home Shield plans range between $50 and $60 per month.
AFC Home Club的保费最低为每月31.25美元，而美国Home Shield的保费更高，每月50美元起。平均来说，AFC家庭俱乐部计划每月31美元到46美元，而美国家庭之盾计划每月50美元到60美元。
Both providers allow customers to select their deductible, known as a service fee. This fee is paid any time a contractor is dispatched to your home to repair or replace a covered item. AFC Home Club and American Home Shield’s service fees range between $75 and $125, with a lower service fee increasing your monthly premium and a higher service fee decreasing it.
两家公司都允许客户选择他们的免赔额，也就是服务费。这一费用支付的任何时候，承包商被派遣到您的家修理或更换覆盖项目。AFC Home Club和American Home Shield的服务费在75美元到125美元之间，较低的服务费会增加你每月的保费，较高的服务费则会减少保费。
Note: The overall cost of your home warranty plan will vary depending on the type of plan you choose, where you live, the selected add-ons you include in your plan and your chosen service fee. We recommend getting quotes from both providers before buying a home warranty to compare pricing in your area.AFC Home Club and American Home Shield reviews
注意:您的家庭保修计划的总成本将根据您选择的计划类型、您居住的地方、您在您的计划中包括的选定附加组件和您选择的服务费而有所不同。我们建议在购买房屋保修单之前从两个供应商获得报价来比较你所在地区的价格。AFC主场俱乐部和美国主场盾评论
AFC Home Club and American Home Shield are both accredited by the Better Business Bureau (BBB) and each hold a B rating with the organization. Both providers have hundreds of customer reviews, but AFC Home Club holds a higher customer rating.
亚足联主场俱乐部和美国主场盾都获得了美国商业促进局(BBB)的认证，并在该组织中各自持有B评级。两家供应商都有数百条客户评论，但AFC Home Club拥有更高的客户评级。
Here are a few customer reviews for AFC Home Club and American Home Shield:AFC Home Club reviews“AFC allows you to select your own company. Just that in itself is worth the money. I’ve received shady work from contractors with other home warranty companies, and I will not let somebody else pick a contractor for me. It just doesn’t work out. Beside[s] the ability to use my own contractors, AFC has been professional and willing to help.” — Eric“Pleased with the technician and service. Had a blockage in the dishwasher air hose, which was fixed but recurred a few days later. Technician returned and repaired it again. Don’t understand why the issue repeated itself, but AFC covered the repairs. My only criticism is that it took four days to get an appointment.” — DLHAmerican Home Shield reviews“We have used AHS ever since we purchased our home, and we have always experienced a prompt response, respect, honest answers about the problems, and resolutions to the problems. We appreciate AHS and highly recommend them to homeowners.” — Shanae B.“Prompt service and easy to file a claim. Recently became a customer after major water damages occurred. Once everything was fixed, I wanted it to stay that way. American Home Shield has been very helpful so far.” — David C.Our conclusion: AFC Home Club vs. American Home Shield
以下是一些关于AFC Home Club和American Home Shield的客户评论:这本身就值这么多钱。我收到过来自其他房屋担保公司的承包商的可疑工作，我不会让别人为我挑选承包商。(这行不通。)除了能够使用我自己的承包商，AFC一直很专业，也愿意提供帮助。- Eric“对我们的技术人员和服务很满意。”洗碗机的空气软管堵塞了，修好了，但几天后又复发了。技术人员又把它修好了。不明白为什么问题一再出现，但AFC负责修复。我唯一的批评是，我花了四天才得到预约。“自从我们购买了我们的房子，我们一直在使用AHS，我们总是经历了对问题的迅速反应，尊重，诚实的答案，并解决了问题。”我们非常欣赏AHS，并强烈推荐给业主。- Shanae B.“迅速的服务和容易提出索赔。”最近成为客户后发生了重大的水损害。一旦一切都解决了，我就希望能一直这样下去。到目前为止，“美国家园保护组织”一直很有帮助。我们的结论:亚足联主场vs美国主场盾
AFC Home Club and American Home Shield both offer numerous home warranty plans that provide homeowners with customizable coverage for major home systems and appliances. While both providers are some of the best in the industry, each company offers unique benefits suitable for particular homeowners.
AFC Home Club和American Home Shield都提供多种家庭保修计划，为业主提供主要家庭系统和家电的定制保险。虽然两家公司都是一些最好的行业，每个公司提供独特的利益，适合特定的业主。
We recommend AFC Home Club if you’re looking for comprehensive coverage at an affordable rate. If you’re looking for rare benefits like coverage on items damaged by rust or corrosion or protection for undetectable pre-existing conditions, American Home Shield could be a good option.
我们建议AFC家庭俱乐部，如果您正在寻找全面的覆盖，在一个负担得起的价格。如果你正在寻找一些罕见的福利，比如因生锈或腐蚀而损坏的物品的保险，或者对已存在的无法检测到的疾病的保护，美国家庭防护系统可能是一个不错的选择。
To get a free quote from AFC Home Club, call 678-335-2181 or fill out this form. For a free quote from American Home Shield, call 844-529-9298 or fill out this quick form.Frequently asked questions about home warrantiesHow does a home warranty work?
欲获得亚足联主场俱乐部的免费报价，请致电678-335-2181或填写此表格。想从美国家园盾获得免费报价，请拨打844-529-9298或填写这张快速表格。关于家庭保修单的常见问题说明家庭保修单如何工作?
Homeowners pay a monthly payment to their home warranty company to receive coverage for systems and appliances that unexpectedly break down. When a covered item breaks down due to normal wear and tear, you can file a service request with your home warranty provider over the phone or online. Both AFC Home Club and American Home Shield offer customer service 24 hours a day, seven days a week, to field your service calls and questions.
房主每月向他们的家庭保修公司支付费用，以获得意外故障系统和电器的保险。当被覆盖的物品由于正常磨损而损坏时，你可以通过电话或在线向你的家庭保修供应商提出服务请求。AFC Home Club和American Home Shield都提供每周7天、每天24小时的客户服务，为您解答服务电话和问题。
Once your claim is processed and approved, your home warranty provider will send a technician to evaluate, repair or replace your broken appliance or system, at which time you’ll pay the set service fee, which typically ranges between $75–$125.When does home warranty coverage begin?
一旦你的索赔得到处理和批准，你的家庭保修提供商将派一名技术人员来评估、维修或更换你的坏掉的电器或系统，那时你需要支付固定的服务费，通常在75美元到125美元之间。家庭保修期什么时候开始?
Coverage for both AFC Home Club and American Home Shield begins 30 days after signing your contract. This period of time is known as the waiting period and is common within the home warranty industry.What’s the difference between homeowners insurance and a home warranty?
AFC主场俱乐部和美国主场盾队的保险在合同签署后30天内开始。这段时间被称为等待期，在家庭保修行业是常见的。房主保险和房屋担保有什么区别?
Homeowners insurance covers liability, property loss and short-term housing costs when unexpected events like fire or theft occur. A home warranty covers repair and replacement costs on major home systems and appliances that break down due to normal wear and tear.
房主保险涵盖责任、财产损失和发生火灾或盗窃等意外事件时的短期住房成本。一个家庭保修包括维修和更换费用的主要家庭系统和电器由于正常的磨损和损坏。
