AFC Home WarrantyReviews of afchomeclub.com

AFC Home Insurance is an absolute joke—a company that exists purely to take your money while denying every claim possible. They go out of their way to make the process impossible, rejecting valid receipts, refusing to answer questions, and forcing you to call them just so they can keep you on hold for hours until you give up. Nothing can be done online—no digital claims, no email support—everything is deliberately designed to be a nightmare. When you finally get through to a representative (if you’re lucky), you’ll be transferred endlessly or given the runaround by incompetent, rude, and completely unhelpful staff. I was strung along for weeks before they finally admitted they didn’t have a technician in my area, forcing me to find my own and pay out of pocket. But guess what? They never reimbursed me. After waiting the ridiculous timeframe they claimed was “processing time,” I was told that because I decided to cancel my contract (after being scammed repeatedly), they would not refund me anything. Their business model is pure deception—they collect your money for months or even years, promising coverage, and when the time comes to actually help, they offer you laughable payouts like $100 for major repairs or just outright refuse the claim. They advertise “comprehensive coverage” but will find any excuse to deny a claim, whether it’s nitpicking over minor details or outright refusing to acknowledge receipts. I’ve dealt with bad companies before, but AFC Home Insurance is on another level of fraud. If you’re considering using them, RUN. Don’t waste your time, your energy, or your hard-earned money on a company that operates like a scam, preys on customers, and leaves you with zero support when you need them most. Buyer beware!

BUYER BEWARE! This company my first repair I called and the technician never arrived. I called the company was transferred over eight times finally reached a supervisor named Chelsea, who was very unprofessional. She attempted to lie and change the appointment time. I spoke her manger Karen who was just as bad and advised me that despite me taking off work for a technician that never arrived I could email them to cancel, but I could not do it with her. She advised me the owner or a manager of the company named Blake was unreachable. It’s very poor service and I’ve only been with the company 30 days please do not spend your money with this company! Horrible business practices, I asked for the owners email and KAREN said she didn’t know it I could look it up!

AFC delayed finding a tech to make the repair for weeks before finally saying they didn’t have one in my area, and I had to get my own. In my First bad experience in November of 2024, I paid the $75 service call in November for a tech and service they never provided, and they didn’t refund it until mid February . The Second bad experience is the next time I contacted them on December 27, 2024 for a different repair, they once again said they couldn’t find a tech and sent me a list of contacts. I told them that was a service they were being paid to provide, and they kept sending me the same text in their reply. I finally found someone in another town, and had to pay the service tech $210 out of my own pocket because they told him he would have to wait six (6) weeks to be paid for his service, which I felt was unfair to him, so I paid him and decided I could wait the six weeks to be reimbursed. Bad mistake on my part. Six weeks later I decided I did not want a service provider where I had to find my own tech to do repairs, AND be out of pocket for the expense while still making $125 monthly payments. So I decided to cancel the contract. The representative I spoke with on the phone then said that since I cancelled the contract, they would not refund the money I paid the tech six weeks prior. I paid them $988 for the life of the contract and spent my own out of pocket money for the repair. They would never find anyone to do the work, stalled me until I had to research to find someone, paid the repair out of my own funds, then refused to refund the money I paid the tech because they said when I ended the contract, that I also ended any funds payable to me!! I told her I had been specifically told it could take 6 weeks to receive reimbursement and I was in that time frame. She said no, it could take up to 8 BUSINESS WEEKS for reimbursement. They advertise and operate under false pretenses, and use false advertising designed to get you to pay for service as they collect more money from you before you are ever reimbursed. They are a SAD excuse for a “service” provider, and operate more like a scam.

We relentless do preventative maintenance on our HVAC system every 6 months, We live in Ohio, unfortunately our furnace when out on us today, which is one of the coldest days this year! We called our HVAC technician and they came out immediately and we were informed that the system needed to be replaced. When we submitted the claim to AFC, they called us back and said that all they would give us a $100.00. As everyone knows this amount does not even put a small financial dent in the cost. We have been with AFC Home Warranty over 10 years never missed a payment and when we really need them they only offer us $100 this is a rip off.

Scam artists and break their own contractual terms. Each service request I put in would result in me talking to at least 5 different AFC contacts, recapping the issue and steps taken thus far to each rep, in order to have the request worked. Seems part of their strategy is to intentional frustrate customers with the hope they will give up/look for alternative solutions. Then, once we finally decided to cancel after our third such instance of frustration, AFC deducted claims paid from our refund for our pre-paid premium (we paid 3 years in advance). This was nowhere in our contract that we received when signing up for the service. We paid a premium and still wound up paying for all the repairs ourselves. On top of that, they charged a $75 cancellation fee. So for the pleasure of dealing with their incompetent customer service team (up through management to whom we spoke many times), we got to pay $800 worth of premiums and a $75 cancellation fee only to to pay for all the repairs ourselves. Literally negative value provided by AFC. Their business practices are malicious and purposefully convoluted. They are fraudsters.

Trust Pilot, I don't know where you have been with these reviews. Don't know some of these scammers are using your TRADE MARK on fake Reviews or what!!! CHOICE HOME,HOME SERVE AND AMERICA FIRST CHOICE HOME CLUB are nothing but scammers in my book. All three of these companies have failed to cover my claims for one reason or another. The latest company with a 1.7 rating is AFC HOME CLUB. I'm OUT OF $500. because I did not read the FINE PRINT. Any appliances over 5 Yrs old is prorated in coverage depending on age. Then I did all the work for them. Got my own electrician to diagnose the problem. Bought the Dishwasher at Lowes and paid for the install. Got a hell of a good deal. I set the time for install. AFC WAS DRAGGING THEIR FEET STILL. Then they said our resolution dept. offered me a hundred $100 REIMBURSEMENT. WTF AFC!!!! WHY DO I NEED YOUR COMPANY?????

Once again Doctor Dias did a fine job Very good doctor!!!!!

I have had the platinum plan under this company for a couple of years now. I also have a number of add-ons to get superior coverage. Out of all of the claims I have made through them, they have covered ZERO. Even when following all of the guidelines requested under their policy, they still seem to come up with a reason as to why they cant cover anything. COMPLETE SCAM