I purchased an AHS policy when my wife and I purchased our home last year. Well, the time to call AHS came when our Garage Door / Garage Door opener mechanism failed and ripped some parts off.
I called AHS, and they scheduled a technician to inspect the damage and evaluate the necessary parts. Well, the technician arrived 24 hours later, inspected the damage, called the AHS' calims line and determined that the damage was not to be covered under their policy. Why? Because on their contract it clearly (ha) specifies that the opener mechanism is not covered.
Well, I chugged the bill, and shelled the money to have the same technician replace what was necessary.
A month after the fact, AHS started sending me renewal notices... indicating how much money and peace of mind I could save. And... How much money I had saved when they had to come REPAIR my GARAGE DOOR (!!!)
I won't renew the policy... And I can assure most that their coverage policies are pretty useless unless you take a good hard look at their contract before anything and are willing to accept ammendments. Otherwise... They are an absolute RIP-OFF.
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