We purchased a $500 1 year plan with AFC when we first purchased our house a year ago. 2 weeks ago, our AC spontaneously stopped working. We called AFC customer service and they told us they'd send a technician the next morning. Next morning came - and nothing. We called them and they told us it would take 48-72 hours to send a technician. That's the first red flag. Who takes 2-3 days to send a tech for a broken AC in 100 degree heat?! They told us we could call a technician of our own and they would cover the cost, so we believed them. We got a tech from Hiller that came out within an hour. He found a damaged wire in the crawl space and ended up installing a wireless thermostat system instead of pulling a new wire that would cost us way more. We paid $700. After an entire week calls back and forth with AFC and being on hold for about an hour each time, they came to a resolution. They told us they'd cover $80 out of $700. We called and argued w them and they kept finding loopholes and getting out of lies. Why pay $500 a year for them to cover damage when they won't?! Moral of the story, they are a SCAM. I am in contact w my lawyer to sue this company. They need to be shut down.