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First Premier Home Warranty Review (2021): Plans, Pricing & Coverage

Catherine Miller

In a Nutshell

First Premier Home Warranty is a relative newcomer to the home warranty space. With reasonable prices that are slightly cheaper than those of some competitors and two free months included with your plan, it could be a good choice if you’re on a budget. Its basic plan, Premier, includes a decent range of appliances and systems, with the option of upgrading or adding extras if you need more cover.

pros

  • $60 service fee
  • Two free months
  • Quick customer service response

cons

  • Full details not on website
  • Not many plan options

First Premier First Premier Visit Site

First Premier Home Warranty Plans

First Premier Home Warranty offers two plans, Premier and Premier Platinum. While Premier includes a basic range of 15 systems and appliances, Premier Platinum adds a further five. You can also cover optional extras at added cost if needed. 


Premier
Premier Platinum

Item covered

Best for general appliances and systems

Best for extra cover including HVAC

Plumbing System

Plumbing Stoppage

Water Heater

Whirlpool Bathtub

Electrical System

Oven/Range/Stove

Cooktop

Built-In Microwave

Dishwasher

Garbage Disposal

Trash Compactor

Ductwork

Garage Door Opener

Ceiling and Exhaust Fans

Sump Pump (Permanently Installed)

Air-Conditioning System (2 Units)

-

Heating System (2 Units)

-

Refrigerator

-

Clothes Washer

-

Clothes Dryer

-

Optional Add-Ons

If you need to add extra items to your plan, you can choose from the following:

  • Pool / Spa
  • Additional Spa
  • Limited Roof Leak
  • Central Vacuum
  • Sump Pump
  • Well Pump
  • Septic System
  • Septic Pumping
  • Second Refrigerator
  • Standalone Freezer
  • Water Softener
  • Refrigerator Ice Maker
  • Freestanding Ice Maker
  • Additional A/C System
  • Additional Heating System
  • Additional Water Heater
  • Additional Garage Door Opener 
First Premier home warranty homepage screenshot

Plan Exclusions

Full details of plan exclusions are not given on the website, but when we contacted First Premier, they told us they don’t cover routine maintenance or cosmetic repairs such as doors, shelves, or knobs. 

First Premier Home Warranty Plan Pricing 

First Premier Home Warranty is slightly cheaper than some competitors, with a service fee of $60 and an average annual premium of $420 (information supplied by request). Purchasing the Premier Platinum will bring the average annual premium to $540, and optional extras will cost more depending on which one you choose. 

We obtained quotes for a town home of less than 5,000 square feet in Austin, Texas, detailed below.

Plan

Monthly premium

Annual premium

Premier

$45

$399

Premier Platinum

$52

$449

Optional add-ons range from $35 to $150.

How to file a claim with First Premier Home Warranty

You can request service by phone or through the website, 24/7. The claim will then be assigned to a service tech within 24 to 48 hours. There is a payout cap of $1500, meaning you will only be covered for repairs up to this limit. Once your repair is carried out, there is a 90-day guarantee on any parts used and a 30-day guarantee on labor. This means that if the service is not satisfactory, it can be redone within these time limits. 

Is First Premier Home Warranty Legit? 

Although First Premier Home Warranty doesn’t have as many reviews on TrustPilot or ConsumerAffairs as some competitors, those it does have (eight on each site) are largely positive. On ConsumerAffairs, all reviews are five stars, and on TrustPilot, all are ‘Excellent.’ Of 10 reviews collected by the Better Business Bureau (BBB), the average rating is 3.8/5. Nine complaints, largely focused on difficulties making a claim, are now resolved. While First Premier Home Warranty is a fairly new business, with only one year in operation, it is rated B+ by the BBB. This means it’s a legitimate choice if you’re looking for a home warranty. 

What’s Unique About First Premier Home Warranty?

First Premier Home Warranty offers two months free when you purchase a plan. It also has a 90-day guarantee on parts in addition to the more usual 30-day guarantee on labor. 

Help and Support

You can contact First Premier Home Warranty by phone or by email, 24/7. When we got in touch by email, the team was very quick to respond, taking less than an hour to get back to us. The website also has a helpful blog, with articles about home maintenance and more information about home warranties. However, full details of the company’s service are hard to find on the website – you will need to contact it to find out more about its sample contract, for example. 

First Premier online quote service

What about the First Premier Home Warranty app?

First Premier Home Warranty does not have a mobile app.

How to Get Started with First Premier Home Warranty

You can get a free quote from First Premier Home Warranty by entering your contact details, location, and the type of property you want to purchase a warranty for. You can also specify any optional extras you’re adding. The quote is given instantly on the site, and you can then purchase your warranty online, making the process quick and simple.

How First Premier Home Warranty Compares to Other Home Warranty Services

First Premier Home Warranty is slightly cheaper than some of its competitors, with a lower average annual premium and lower service fee. 


InHome Warranty

HomeServe USA

Select

Average annual premium

$510-$660

$559.92 (combo plan for Texas property)

$599.88-$839.88

Contractors

In-network (number unspecified)

In-network (number unspecified)

6,800 in-network

Service call fee

$60

$100

$75-$100

Service requests

By phone, 24/7

By phone, 24/7

24/7 online and by phone

First Premier Home Warranty vs InHome Warranty

First Premier Home Warranty’s premiums are slightly cheaper than InHome Warranty, although its service fee is in line with their offer. First Premier Home Warranty has a more extensively helpful website, so if you prefer to do more research online before purchasing, it could be a better choice for you. 

First Premier First Premier Visit Site

First Premier Home Warranty vs HomeServe USA

First Premier Home Warranty’s premium price is quite similar to HomeServe USA, but has a cheaper service fee, so could be a good choice if you want to save money when you claim. However, First Premier Home Warranty only offers two plans, which you can customize with add-ons; HomeServe USA has a very wide range of quite specific plans targeted at particular systems, as well as a choice of combo plans. This could be more useful for you if you want to build a very personalised warranty plan.

First Premier Home Warranty vs Select Home Warranty

Select Home Warranty’s premiums are a bit more expensive than First Premier Home Warranty’s, as are the service fees. It also has a smaller network of contractors. Select Home Warranty offers some enticing customer discounts, such as two months’ free cover and $150 discount when you purchase a year upfront; however, First Premier matches the two free months, and factoring in the lower prices, it may still be a cheaper choice after all. 

The Bottom Line

First Premier Home Warranty is a relative newcomer, but already has a strong rating from the BBB and some positive reviews. It’s slightly cheaper than some competitors in terms of annual premium and service fee, plus you get two free months when you purchase a plan. Although there are only two plans available, you can add optional extras if you need to customize further. And while the number of contractors is smaller than with some other home warranty services, the 90-day guarantee on parts in addition to the 30-day labor guarantee is a nice touch that should give you more confidence. With little information about its sample contract or other cover details online, it’s worth getting in touch with First Premier to get a free quote and more information before proceeding.

Frequently Asked Questions
When does First Premier Home Warranty coverage begin?
-
+
First Premier Home Warranty coverage begins 30 days after your agreement.
Does First Premier Home Warranty cover pre-existing conditions?
-
+
Yes, First Premier Home Warranty does cover pre-existing conditions, if they were not known prior to the end of the 30-day wait period.
How long does a First Premier Home Warranty last for?
-
+
A standard First Premier Home Warranty lasts for one year. However, you can also get a multi-year warranty that lasts for 3 or 5 years.
Catherine Miller is a lead member of personal finance and pension innovator Maji, where’s she’s responsible for content creation and running Maji’s personal finance masterclass, among others. Miller also holds degrees in English and education, and worked as a teacher before moving into finance. Today, she combines aspects of education and personal finance to help readers make better decisions in finance and beyond.

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