AFC Home Warranty Reviews

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.

This company is a scam! If you do not believe this review - go to the BBB website and read all of their reviews (tons of recent ones). Their sales reps will lie through their teeth over the phone to get you to sign up. They will tell you everything is covered, they have great service, great reimbursement, etc. FALSE. They will find every reason to deny you and IF they do not deny you, they will only pay a small portion (had thousands of dollars worth of plumbing done and they covered it "in full" - 500 dollars).

I have their platinum plan. I expected them to actually cover repairs. I place 2 claims during my policy period. One for air conditioning repair and 1 for my oven. The repair tech for the air conditioner was so frustrated that he said he would never work through them again. It took 2 months to get him paid. The total was about $200. I was on the phone with them several times to get him paid. The send claim was for the oven which they said was too old but would give me a check of about $200 towards the purchase of a new oven. So far no check. It’s overdue by about a month. They are essentially an insurance company that uses depreciation on all of your covered items. If it’s too old they won’t repair it or offer highly reduced coverage amounts towards the repair. I am going back to my old company that actually covers repairs. I have had several warranty companies through the years and they are the worse.

Since I joined AFC. I have called in to service requests, one for a major appliance, and one for my septic tank which I had called out specifically as an add-on in my contract. Both times AFC declined to assist me in the cost for repairs for either of these items. After the second episode with the septic tank, I demanded to speak to a manager or supervisor. I was told repeatedly that they're all in a meeting and I would be called back as soon as everybody got out. Call never came and I am now canceling my account with them. Do yourself a favor? Do not engage these people. They are frauds. They do absolutely nothing for you.

Absolutely worthless and very close to a total scam! Most every needed repair that I have placed a claim for is either excluded from coverage (in the fine print) or significantly qualified as to allowable amount to be reimbursed. Currently in the process of filing a formal complaint to the Federal Trade Commission and the Consumer Protection Division of my state.

This company is fraudulent. BEWARE. They will lie and tell you whatever they need to say to get you to sign up. I spoke with Patrick in Sales in July 2024 and he lied to me about what was covered for ACs. I asked explicit questions about coverage about multiple items in my home and he lied repeatedly saying they reimburse fully on equipment. They have very shady wording in their contract (which I read twice and still couldn't figure out) on how to screw customers out of paying claims. Chelsea in management backed their false claims. Do not expect management to protect the consumer. This company should be shut down.

I would like to read the contract before I agree to be covered. Is that unreasonable? Coverage is not specified. If an old heating or cooling or water heater breaks, what will be done? Everything is very vague. Why can the not send a contract? Something to hide?

Just don't do it. As a consumer our ASSUMPTION is that companies like these protect against older systems. It is the complete opposite. I was told that because of the AGE of my system they would only cover $100 towards cost of repair of water heater. They will fully cover new units that don't need coverage. When I called to cancel I was told by a supervisor "You should have read the fine print". Extremely unprofessional. Save the monthly fee you would pay them to repair your dated equipment.

Dealing with this company has been the worst experience. They have never paid or participated in any claim unless it involved brand new appliances or a house. All 3 claims I ended up paying out of pocket.

I was in the contract with the company for 6 months. I had two service requests: one for a cloth washer and the other for the Air Condition (A/C) problem. It happens at two different times. The first washer service, I paid for the service fee for technician to come and run diagnostic. AFC did not pay for anything. I had to pay from my own pocket for all the repair costs. The second services with A/C problem recently. The A/C tech repair costs is approx. $600 (fan motor and compressor replacement). AFC said they will pay ONLY $100 because my A/C is 10 plus years old. Guess what, they did not pay at all at the end after weeks of technician completed service.

Horrible company! It took them 6 days to dispatch someone to address my air conditioner problems. Two more days for them to offer a "resolution". During that time it was 112 - 115 degrees outside. There is no sense of urgency, or even a hint that they cared. They offered to pay $200 towards a $4500 repair estimate. A complete joke. Especially considering it costs $100 to file an incident report (not to mention the $60 per month membership fees). Needless to say, they have been cancelled. Don't waste your money.

This business will say anything to get you to purchase the policy. 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.

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.

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 (KitchenAid) 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.

Absolute scam of a company. Will gladly take your money and nitpick every detail to not pay you out. Customer service is also terrible. I called them out on their deceptive policy and canceled and they didn’t even give me a response. I’m guessing because they probably get told what a scam they are on a daily basis.

Be very careful, read fine print. This company does not cover your appliances as they say they cover. I purchased a full year back in November, have not used it until 2 weeks ago when my fridge was acting up. I paid the $75 service fee and a tech came out 5 days later. Tech said compressor was bad, he relayed to AFC, AFC said the cost of the compressor fix was $900 so we recommend you get a new fridge, I said, "OK", then they said, "we value your fridge at $73...but we will give you $100 when you provide proof that you bought a new fridge or fixed it." I said,"ok give me the $100 and I will give you $73 so you can buy the fridge at some store that is selling fridges at $73..." How do you think this conversation ended?

Horrible experience. We purchased a home warranty for the home we were buying. Exactly 29 days after moving in our stove stopped working. I contacted AFC and they said I was out of luck because their home warranty did not kick in until day 30 UNLESS you had a home inspection. We did! I sent the report in as required and was told our claim was denied because it was noted on the report that the "center burner needs cleaning/adjustments." As I noted repeatedly via phone calls and email the center burner was working for 29 days as were the other 4 burners. Claim denied. I asked to speak to a manager and got a text stating that my claim was forwarded to a manager. Almost 24 hours later a manager called to tell me my claim was denied because of the center burner issue.

When I bought the policy they offered me better service than American home shield which was a lie. My refrigerator ice maker went down. I call them they send me to contact a company to schedule the repair. They didn't know who was AFC, comeback and contact them again. Finally someone show up. I pay the service fee of $75.00 and they said I need a new refrigerator. They didn't called. They send me a text message to contact them. Completely bias and unprofessional. They said my refrigerator only cost 599.67 and that's what they going to pay. They don't replace any domestic appliances. When I bought the policy they didn't said that.

After changing home warranty companies for the first time in years we quickly realized this company is trash! Read the fine print, old water heaters corrode and leak and none of it is covered. Look over their A/C policy as well! If you need little fixes it will probably suffice - but for the expensive stuff you need a home warranty for - it’s absolute garbage. I now have to buy a second policy because this one covers nothing and I need the reassurance I won’t be handing over another 2-5k for some other fix. Please don’t waste your money here.

It's been a good experience with AFC. They have sent somebody to fix some stuff. The most recent one is my dishwasher. However, they should have somebody to contact us about the maintenance stuff in the house if they have a tracking record. That's what I consider they can improve in their service.

America's 1st Choice Home Club has been able to help take care of things each time I've had to use them. They walk me through it. They've been prompt and very courteous. They let me know who the contractors would be. And I usually get in contact with them. I always had a good experience. I've already recommended AFC to family and friends. They’ve used them.

I like that I can use my own contractors rather than going with whoever is assigned. But it took a little bit to get my reimbursement.

The reps were very friendly and professional when I signed up with AFC. They understood the business. I was very satisfied with the plan options. I filed a claim for my air conditioner and they fixed it. But I had to call them back and it was the last day on my 30-day warranty. The contractor had to come out twice for one day to fix the same problem. The person that came out was very nice, and professional. The issue was something that he couldn't control but he was willing to come back and explain the whole situation.

I've been happy with AFC, so far. I used it once for the air conditioner. I paid the deductible and they took care of the issue. We're back up and running. It was very easy. The tech was so nice. Right away, he knew exactly what the issue was. By the time I got home, the house was cool again. I'm thankful for the service. It was a weekend too, when I called. Somebody answered the call and told me not to worry, that someone would reach out to me. And that was exactly what happened.

I've had about two claims with AFC and there were no problems. I had a toilet that was overflowing and I was worried because the weekend was coming up. Usually, it takes about two to three business days for someone to come out. Sometimes, it's a bit sooner. With this one, I had somebody out here the very next day. The tech from The Log Doctor resolved it so I'm pleased. I like them. My other claim with AFC went well. My experience with them has been very good and I plan on staying with them. The prices are very good, but I'm more pleased with the service that I received and the interactions with the company.

I'm planning to cancel my warranty with America's 1st Choice because I figured they're not gonna cover anything. So, I'm just paying for nothing. When something went wrong with the HVAC, I let them know. My outside unit was running all the time, but we were not getting any air. They scheduled a technician that would come to check. AFC denied my claim saying it was due to improper installation. They didn't offer any resolution. I just found somebody else and I changed the HVAC system.

We've had a good experience with AFC. Their call center is responsive. They're English-speaking. They're attentive and they always follow up. Everyone they've sent out has been very professional and very good at their job. My recent claim was for a washing machine. They've offered us a sum to replace the washer. They've been totally professional and great.

I've had a good experience with America's 1st Choice Home Club. They were able to answer my questions and were willing to switch me over to find me another repair person if I wanted it. And they called the repair person on my behalf to find out what was going on, and we found out that it was a problem with shipping the part. So, they did well.

I filed a claim online and then America's First called me to confirm what was going on. The contractor called me and they said, "I apologize to start, but all I have is your name and a phone number. I don't even have what appliance you're gonna be seeking help with. I don't have anything." So it was a little bit weird that there was a total disconnect between America's First and their vendors. But then, the vendor came out, and they were very smart. They fixed the problem and it was just a $75 fee.

When I called AFC, the representative was very informative and patient. I asked him questions about what they serviced, what was included in the contract, how much the fees were, what type of response time they had from their contractors, and how much my deductible was. I informed him about new appliances that we had and then I asked for the fee. He told me the fee and then I told him I would think about it and call him back. I looked at some other companies, and in about two months, I called him back and decided on AFC. I also liked them because they told me that I can choose the repair company that I want. I don't have to necessarily go with their contractor.

The technicians have usually been good. But the customer service is mediocre. It's hard to get a hold of somebody sometimes. Instead of me calling in and getting stuck with a random representative, individual agents should be able to be reached through a specialized extension for each one of them. When I signed up, it seemed like it was a great policy but when I go to get a repair, they say, "Oh, that's exempted. Oh, that we don't cover."

AVOID THIS COMPANY! AFC Home Club is a scam for homeowners. Awful terms for the home owner and they hide behind their contract instead of doing what's right. This is a value plan, NOT a fix or replace. They will pay you for the value of the appliance (which they determine) if they cannot fix. My stove top went out and since it wasn't purchased within 5 years they refused to replace and only offered 1/10th of the cost of a new one.

We went through the normal set up and the America's 1st Choice Home Club rep went through what kind of coverage I had, making sure I had everything included, knowing what I would pay, and understood what I would do if I needed it which I have a couple of times now. They've been very helpful in navigating what I needed to do to complete or fix the issue that was going on. The one I just went through where I had somebody come out and I needed to understand what I needed to do next and they explained how to process the service call and how to do that. Everything seemed straightforward. We had an issue with one of our flume pipes for our water heater broke, and we had to get Benjamin Franklin Plumbing out. They were very good, helpful and speedy. AFC did well and were helpful. You should work with them.

We have AFC in three different properties. The times we've used them, the service has been immediate. I’ve had an oven, electrical, plumbing and AC issues. The only one that has been lengthy is the claim for the oven. The repairs were up to $400 which was close to the price value of the stove. We opted for getting a new one and getting that money that they were gonna pay for a repair back. It's been about a month now, but we haven't seen that money yet. As of last week, they told me that if I didn't see the money by the 28th, I should call back.

I tried to use my policy for the first time last weekend, when my 2 1/2 year old AC went out. AFC found that my AC was still under manufacturer's warranty. The warranty is for parts only. AFC would NOT cover the trip charge or labor for this repair. So, if you are a senior citizen and want to buy a home warranty policy so that you can depend on a company to fix your appliances, stay away from AFC.

Compared to my old one, America's 1st Choice has been very good. I recently had a claim for the air conditioner where the compressor broke and the claims process was very simple. They didn't really do much, other than sending the representative out here. He did the work and I haven't heard from them since.

I liked the way the America's 1st Choice Home Club program went and that I pay for two years but on my third year, I don't have to pay anything. The first time I had to make a claim with them was for my furnace and they told me that there would be a technician coming on Saturday between 10:00 and noon. But nobody ever came, nobody ever called, and nobody ever followed up. So I called America's 1st Choice Home Club and they said they'd check into it. A week later, I still heard nothing. So we went back and forth on it and eventually, they gave me a quote and I was told that my furnace needed to be replaced. But then, they said they wouldn't do it for certain reasons.

Signing up with AFC was easy. It was also easy to submit a claim with them. I went online, submitted a claim, made a phone call to verify something, and three days later, my problem was fixed. The techs who came out were excellent. They replaced a fill valve in a toilet and since then, it's performance has been perfect. All in all, I'm very happy with AFC.

I had ongoing issues with my refrigerator and the service came very quickly. But the repairs it needed was going to cost over five grand and at that point, you could end up with more problems. So it was beneficial to replace it. Also, AFC wasn't going to cover the repairs. In the end, they gave me $700 for a $12,000 Viking refrigerator. I pay almost $1,000 a year for the warranty and even if I didn't have a high-end refrigerator, the amount that they reimbursed or covered was very small. So, it's not a good financial investment. Aside from that, if I have an issue, they always want me to find my own vendor and one time, I had a hard time getting compensated that I don't even know if I ever did get compensated. So, I was thinking of dropping them.

We had a claim for our pool. The techs repaired a leak in the pipes and referred us to someone. We asked the person who came out for an additional price on something and they gave us the wrong price. They realized that and never followed up with us. But that was the second time we used that company. The first time, we were under contract with AFC and they were very thorough. With AFC, I have peace of mind if something goes wrong. Service has been fairly good.