AFC Home WarrantyReviews of afchomeclub.com

IMO, these people are scammers. It took them 6 days to dispatch someone to inspect my very poorly functioning air conditioner. It took 2 more days for them to provide a "resolution" (all of this while it's 115 degrees outside). Their resolution was to offer to pay $200 towards an estimated $4500 repair. Of course I had to pay $100 to file the incident report, not to mention the monthly fees. Think twice before doing business with this company!

This business will say anything to get you to purchase the policy. Brian Walker will promise you everything and then leave you hanging out to dry.My dishwasher leaked, they sent out a technician who could not figure out why the dishwasher leaked and left without fixing the problem or recommended fix. That cost me $125 on top of my monthly premium and the dishwasher was still unusable. Fine, bought a washer. A month ago, I made a claim on my air conditioner. It took weeks to find a company that would deal with AFC, And even then, only with me acting as the middleman. After nearly a month of back-and-forth, AFC has decided they’re not covering the diagnosis. This is antithetical to what Brian Walker told me would happen when he sold me the policy. He told me “we will cover whatever the diagnosis is from the technician.” Today I found out that is just something they tell you to get you to buy the policy. They are not going to cover it and even if they were, the entire experience has been misery. Do. Not. Give this company your business, you will regret it. I wish I had looked at BBB site before I had. Attempting to get a full refund, I’m not hopeful. This is not an honest business.

AFC was completely disappointing- save your money in an account instead of signing up with them. They seemed so trustworthy during the sign-up phase, but they are like a terrible HMO- trying to find any excuse not to pay your claims. I signed up for a three year plan with them and they told me not to worry- all appliances would be covered. I even told them I had old appliances and would it be a problem and they said no, as long as I got regular maintenance. So I've been paying for regular maintenance on my old furnace and central AC for years. Last year, the maintenance company tells me I might have a slow leak in my AC, and they have to do an expensive dye test and wait until the next year to be sure. AFC refuses to pay for the dye test, saying it is diagnostic. I am upset, but in the end, they say wait until the next year and then if anything is wrong, they will pay for it. This year, it is confirmed there is a slow leak in the refrigerator coil, and the recommendation is to replace the system since it is old, or at least the evaporator coil. AFC sends a representative to check it out (more money), & although there is a make, model, and serial number for the outside and inside units, apparently the serial number on the evaporator coil itself has worn off over the years. They then deny my claim out of hand, refusing to pay to replace the system or the evaporator coil, saying it is their policy. As if I could possibly know that a piece INSIDE my unit has a serial number gone. I escalated the complaint to management and they just kept saying that was their policy and I was out of luck. Even when I asked to cancel my policy and get the last year refunded, they said they would take out a repair done the first year and only give me back peanuts. If I had known this company was so scammy, I would have saved my money. They promise you peace of mind for your appliances,then find the most ridiculous ways out of helping you. Definitely DO NOT get a policy from this company.

Notice that all the good reviews are noted as “invited” This is the absolute worst home warranty company I have ever used. They take your money and then find a way to keep from paying any claims. I bought a refrigerator just because I was tired of dealing with them. 6 weeks ago, I replaced a microwave. They approved the claim. I’m still waiting for an e check (yes, an electronic check) to come. I just inquired about it and thier response was basically, we’ve had some storms and had to do some system upgrades, we don’t know when we will issue the e check”. An e check. When things are going right, it takes them 4-6 weeks to send you an E CHECK. On the bright side they’ve always responded quickly. Again, absolutely useless. I’ve used a total of 8 different companies over the years, usually who ever is presented at the close of the house. AFC is the absolute worst by miles.

Please do not do business with this company. I placed two service calls. One for my refrigerator and one for my AC unit. My refrigerator is 7 years old and my AC is 6 years old. In both cases, service was denied because the techs diagnosed the issue as a "factory defect" which AFC does not cover. I contacted the manufacturer of my refrigerator (Kitchen Aid) who informed me the parts in question were not factory defects. The Kitchen Aid rep was conferenced in to a call with an AFC CSR to validate there were no factory defects with the refrigerator. Despite this, AFC stood by the incorrect diagnosis and would not provide repair coverage. Prior to the AC tech's arrival, I did my due diligence on the unit and even contacted the manufacturer (Trane) to ensure there were no factory defects with my unit to which there were none. Once again, the tech sent by AFC deemed the broken item a 'factory defect' and AFC would not provide repair coverage. The only option given to me was to get a second opinion and even then, they would guarantee I would be reimbursed for out of pocket expenses. Needless to say, I have already submitted a cancellation and refund request to which I honestly don't expect them to honor that and keep my money. Again, please do not do business with this company as they are a complete rip off.

Trash company. They have a ton of exclusions and will look at any reason to deny a claim. For big items like AC they’ll expect you to do preventive maintenance yearly and then also ask if you completed recommended maintenance. If you don’t they won’t pay. Even if they do they’ll give you the value of the metal which is typically less than $500 for a non fixable AC. At the end of the day it’s honestly not worth it because they’re not in business to work on your behalf.

What the salesman told me is different from my actual experience with this company.

This company is an absolute SCAM!! I previously had another warranty company, but after they moved to offshore support, I decided to move to another company. I was promised the world - send them my old warranty and was assured that the contract I was purchasing was "apples to apples." Then 3 of my 4 service requests were denied (although they would have been covered by my previous company). The also pressure you to pay for 3 years up front, cancellable at any time for "a pro forma refund" based on number of unused days. What they don't tell you is they also then charge you for any repairs made which were otherwise covered! So the money they paid out while I was insured NOW comes out of my pocket!!! Do yourself a favor - RUN from this company at all costs!