First Premier Home Warranty Review

First Premier may be relatively new to the home warranty space—the company was founded in January 2020, but their comprehensive coverage options, affordable pricing and professional approach have already earned them a solid reputation among customers. With two plans to choose from plus several add-ons for more customized coverage, they’ve got options for every type of homeowner and budget. 

Here’s everything you need to know about this top home warranty newcomer:

Last Updated December 2022

First Premier Product
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9.3

9.3

$200 Off + 2 Months & Free Roof Coverage

Highlights
Fastest Claim Dispatch in the Industry
Pre-Screened and Licensed Local Technicians
2022 Best-in-Service Award
Plans starting at less than $1/day
Seniors & Veterans Discounts Available
24/7 claims + dedicated account manager
Coverage for both home appliances and systems

About First Premier Home Warranty 

First Premier is a home warranty company that offers coverage for a variety of home systems and appliances. They offer two primary plans as well as several add-on protection options for ultimate peace of mind.

What sets First Premier apart?

There are several aspects of First Premier that set it apart from other home warranty companies. These include:

A wide range of coverage options: Between their two plans and their optional add-ons, First Premier offers coverage for air conditioning, heating, plumbing, electrical needs, septic systems and home appliances. This is more comprehensive than what many other home warranty companies offer. First Premier also offers optional roof 

Customization: In addition to their standard plans, First Premier also has several add-on options that you can add to your plan. This level of customization isn’t common among home warranty companies and provides additional peace of mind for homeowners.

Affordable pricing: Although the cost of a First Premier home warranty depends upon the plan and add-ons you select as well as your location, their plans are almost always on the lower end of the pricing spectrum.

 

 

The Pros and Cons of First Premier

Now that we’ve talked about what First Premier is and what they offer, let’s take a look at the pros and cons of this home warranty company:

Pros

  • Comprehensive coverage options and a wide range of add-ons for full customization
  • Affordable—their service fee and premium are lower than most competitors
  • Fast turnaround time—they deal directly with the manufacturers, so resolution is fast and the claims process is seamless. 
  • Optional roof leak coverage

Cons

  • They won’t cover maintenance or cosmetics
  • Limited locations (at the time of this review, they service 32 states)

How Does First Premier Work?

First Premier works by providing coverage for a variety of home system repairs, including air conditioning, heating, plumbing, septic systems, electrical, as well as home appliances. If a covered system or appliance needs repair or replacing, First Premier will handle it. They offer two primary coverage plans and several additional coverage options you can add to your plan for a fee. A standard First Premier home warranty lasts for one year, but they also offer multi-year warranties spanning three or five years

First Premier’s Plans, Coverage and Pricing

First Premier offers two plans, the Premier Plan and the Premier Platinum Plan. The Premier plan is their least expensive, more basic plan. It provides coverage for 15 common home systems and appliances. The Premium plan covers five additional systems and appliances. You can also add optional extras for an additional cost. 

Coverage

Here’s a look at what each plan option covers:

Premier Plan Premier Platinum Plan
Plumbing System Plumbing System
Plumbing Stopage Plumbing Stopage
Water Heater Water Heater
Whirlpool Bathtub Whirlpool Bathtub
Electrical System Electrical System
Oven/Range/Stove Oven/Range/Stove
Cooktop Cooktop
Sump Pump Sump Pump
Built-in Microwave Built-in Microwave
Dishwasher Dishwasher
Garbage Disposal Garbage Disposal
Trash Compactor Trash Compactor
Ductwork Ductwork
Garage Door Opener Garage Door Opener
Ceiling & Exhaust Fans Ceiling & Exhaust Fans
A/C System (2 Units)
Heating System (2 Units)
Clothes Washer
Refrigerator
Clothes Dryer

With both plans, you have the option to handpick additional coverage options “a la carte.” Here are some of the extras you can choose to add: 

  • 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 

Plan Pricing

There are two primary costs associated with a home warranty, the service fee (also referred to as the deductible), and the premium. The service fee is the amount you’ll pay every time you require assistance from a technician; the premium is the amount you’ll pay on a monthly or yearly basis for the duration of the contract.

At the time of this review, First Premier charges a service fee of $60. Given that the industry average hovers around $75, this is a very affordable option for the cost conscious crowd.

The First Premier premium depends upon a number of factors, including the plan you select, the add-ons you choose (these range from $35 to $150) as well as the type, location and size of your home. On average, you can expect to pay around $400 per year for their Premier plan. This is also on the lower end of the spectrum compared to many other companies of its kind.

First Premier’s Coverage Limitations and Exclusions

First Premier’s policies have some exclusions and limitations that you should be aware of before signing up. These include:

  • Maintenance is not covered
  • Cosmetics are not covered
  • Service is not available in all 50 states

First Premier’s Company Information

While First Premier was founded in January 2020, it is part of a larger company that has been serving customers for more than 30 years. First Premier is headquartered in Brooklyn, New York.

First Premier Customer Service

If you have any questions, you can reach a First Premier representative through the First Premier Home Warranty phone number: (800) 388-1918 or via email: [email protected]

First Premier Accreditation & Reputation

While First Premier is not accredited by the Better Business Bureau, the company has a 3.54/5 rating from customers on the BBB site. It also maintains a 4.6/5 star ranking on Google and a 3.5/5 on Trustpilot, with 69 percent of reviewers describing the service as excellent.

First Premier Performance Ratings

First Premier is commended by its customers for its:

Exceptional service: First Premier has a rigorous technician screening process, ensuring that the professionals doing the repairs are the best at what they do.

Cost: First Premier’s plans are on the cheaper end compared to similar home warranty companies.

Customization: Customers appreciate that with First Premier, they can create a customized plan that includes only the appliances and systems they need covered.

Efficiency: Because First Premier deals directly with the manufacturers of the systems and appliances in need of repair, the company is efficient in processing claims and getting repairs done in a timely manner.

Transparency: First Premier is up-front about their plans and pricing, as well as what is and isn’t covered by their policies.

Ease of communication: First Premier is easy to reach by phone and email, and they are quick to respond to customer inquiries—we reached out via their customer service email multiple times and they responded within 20 minutes each time.

First Premier vs. Other Home Warranty Companies

If you’re looking for comprehensive coverage at an affordable price point, First Premier is a solid choice. Here’s how this home warranty company stacks up against other top home warranty companies, including American Home Shield, Choice Home Warranty and Liberty Home Guard.

First Premier vs American Home Shield

First Premier and American Home Shield are both solid home warranty companies with a lot to offer. Both companies offer a few different plan options, each providing varying levels of coverage. And both offer an impressive menu of coverage add-ons you can select to create a more customized plan.

American Home Shield services more states than First Premier—48 compared to 32 at the time of this review, and they have experience on their side—they’ve been in business for roughly 50 years. But First Premier tends to be more affordable. American Home Shield’s minimum average home warranty cost per year is $480. First Premier will cost you, on average, around $400 per month. First Premier’s most basic package also covers more appliances than American Home Shield’s basic bundle (dishwasher, microwave and oven, for example). To get the same level of coverage out of American Home Shield, you’ll have to upgrade to a more expensive plan.

First Premier vs Choice Home Warranty

Like First Premier, Choice Home Warranty offers two plans as well as extra coverage options you can select on an “a la carte” basis. Choice Home Warranty has the added benefit of a 24/7 claims hotline, which means claims are processed and serviced very quickly. But Choice Home Warranty will likely cost you more than First Premier—we were quoted at $520 per year for our location and home type; First Premier quoted us at $420 for the same address and house size.

First Premier vs Liberty Home Guard

Liberty Home Guard has been around long enough to build a solid reputation—U.S. News and World report rated it the number one home warranty company in 2021 and 2022; they have an A grading from the Better Business Bureau; and an impressive 4.7 out of five stars on Google Reviews. Liberty Home Guard also services 48 states, which is more than First Premier. But you’ll pay more for Liberty Home Guard—nearly $600 per year if you want coverage for both systems and appliances in a single family home spanning fewer than 5,000 square feet. First Premier will cost you less than $500 for a similar level of coverage in the same sized home.

The Verdict

First Premier is not your average one size fits all, out-of-the-box home warranty provider. Their coverage is comprehensive, and their add-ons offer ultimate peace of mind to customers looking for a more customized home warranty experience. They are also one of the most affordable home warranty companies on the market, making them a great option for homeowners seeking protection without breaking the bank.

FAQs

Is First Premier home warranty legit?

First Premier is a legitimate business. It’s a relatively new company—they launched in January 2020. Since then, they’ve secured a 4.6 star rating on Google and a 3.54/5 rating on the Better Business Bureau website, and several positive First Premier Home Warranty reviews.

Is First Premier home warranty worth it?

There’s no doubt that home warranties can be valuable assets for homeowners. Not only do they provide protection against pricey repairs or replacements, they can also give you peace of mind knowing that you’re covered in the event of an unforeseen issue.

Whether or not a First Premier home warranty is worth it depends on a few factors. First, consider the size and age of your home. If you have an older home with multiple systems and appliances, a warranty can save you a lot of money down the road. On the other hand, if your home is new or relatively small, you may not need the same level of coverage.

What does First Premier home warranty cover?

First Premier is one of the most comprehensive home warranty companies in the business. The exact appliances and systems that will be covered depend on the plan you select, but all plans include coverage for:  

  •  Plumbing System
  •  Plumbing Stopage
  •  Water Heater
  •  Whirlpool Bathtub
  •  Electrical System
  •  Oven/Range/Stove
  •  Cooktop
  •  Sump Pump
  •  Built-in Microwave
  •  Dishwasher
  •  Garbage Disposal
  •  Trash Compactor
  •  Ductwork
  •  Garage Door Opener
  •  Ceiling & Exhaust Fans

How much is First Premier home warranty?

A First Premier home warranty typically costs between $350 and $500 per year. However, the exact price will vary depending on the size, location and age of your home. Some discounts may be available if you purchase multiple years of coverage upfront.

Does First Premier home warranty cover roofs?

A home warranty from First Premier includes optional roof coverage at the time of this review. Check with your particular policy to see what is and is not covered.

How does First Premier home warranty work?

First Premier’s home warranty protection is a service contract that provides repair or replacement coverage for certain systems and appliances in your home. The specific items that are covered vary depending on the plan you choose and the additional coverage options you select.

Methodology

The Consumer Rating Difference

Behind Our Best Home Warranty Ratings

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Here’s the methodology behind our ratings:

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Comprehensive Overviews

From unique offerings and plan details to coverage, pricing and more, we cover it all in our detailed reviews.
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Pricing Details

We break down how much each home warranty plan costs, noting everything that’s included under each tier.
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Home Warranty Comparisons

With so many different services available, it can be hard to decide which one is right for you. We compare home warranty services and take a look at what each service offers, their pricing, their coverage and more.
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FAQs

In case the review wasn't enough to, we also include several FAQs to help ensure you have all you need to make an informed decision.