1. First Premier Home Warranty
error This company may not service all states.

First Premier Home Warranty (FPHW) offers home service repair contracts, commonly known as home warranties, to consumers across the country. While the company was incorporated in 2020, its founder is an industry veteran, with more than 30 years' experience in the industry. 

First Premier's products help homeowners prepare for the cost of unexpected repairs due to wear and tear, which aren't covered by homeowners insurance. The home warranty industry's payment policy structure includes two types of payments:

  • You pay the warranty company for the policy. In this case, the warranty policy premium is about $350+, with the option for a low monthly payment as well.
  • You pay a certain amount upfront, at your appointment with the contractor or service technician — $45+ with FPHW.

First Premier home warranties can be acquired two different ways:

  1. Direct-to-consumer (DTC) — An individual interested in a home warranty purchases a policy online or over the phone, directly from the warranty company.
  2. From a real estate professional — A home warranty incentive can give peace of mind to both buyers and sellers. Sellers should know that house deals including a warranty sell 16% faster, for more money — over $2,000 on average. For buyers, a home warranty helps to boost trust. If something goes wrong with one of your appliances in the first year, you get a leg up on taking care of home repairs, as long as they are covered in your policy.

In this review, we will be mostly addressing First Premier Home Warranty's DTC offerings.

FPHW warranty agreements cover various property types, including the following:

  • Dwellings with less or more than 5,000 square feet
  • Existing and newly built homes
  • Single-family homes
  • Condominiums
  • Townhomes
  • Mobile homes

Dwellings larger than 5,000 square feet can also be covered by First Premier, including single- and multi-family dwellings (up to a four-plexes) through the standard options. However, people looking to cover multi-family properties should note that shared systems in multi-family residences are not eligible for plan coverage. If you are looking to cover a shared water heater, for example, be careful to ask questions and thoroughly read the terms of service to know what you can expect and whether this provider offers any upgrades to fill this coverage gap.

First Premier Home Warranty Coverage

Covered appliances and home systems must be in proper working condition on the policy's effective date and located inside the home's main foundation, or in the garage (attached or detached). However, exceptions allow coverage for items not fully contained within the building's footprint:

  • Air conditioning
  • Exterior pool and spa
  • Septic system
  • Well pump

First Premier Home Warranty Plans

This home warranty provider provides two basic plans to choose from — Premier and Premier Platinum

Each warranty plan is available to purchase through monthly or annual payments. Both include a mix of appliances and systems, rather than separating appliance plans and systems plans, as most home warranty companies do. 

Whether you choose the Premier or the Premier Platinum warranty option, you have some flexibility to customize your coverage. For example, optional coverage items include less commonly needed items like a pool or a standalone freezer.

Contracts last for one year and can be purchased in one lump sum or split into monthly payments.

Here's how the two plans stack up against each other:

Coverage Item Premier Plan Premier Platinum Plan
Air Conditioning System N Y (2 units)
Ductwork Y Y
Fans (Ceiling and Exhaust) Y Y
Electrical System Y Y
Garbage Disposal Y Y
Heating System N Y (2 Units)
Plumbing System and Stoppage Y Y
Water Heater Y Y
Microwave (Built-in) Y Y
Clothes Washer and Dryer N Y
Cooktop, Oven, Range, and Stove Y Y
Dishwasher Y Y
Garage Door Opener Y Y
Refrigerator N Y
Sump Pump (Permanently Installed) Y Y
Trash Compactor Y Y
Whirlpool Bathtub Y Y
Service Call Fee $45+ $45+
Single Family Home
<5,000 Square Feet
  • Annual — $350+
  • Monthly — $32+
  • Annual — $499+
  • Monthly — $45+
Single Family Home
>5,000 Square Feet
  • Annual — $719+
  • Monthly — $62+
  • Annual — $799+
  • Monthly — $68+

 

Optional FPHW Add-On Policies

Additional systems and appliances can be covered by your service agreement to enhance your warranty plan, including the following:

Optional Coverage Item Additional Annual Cost (Approx)
Pool/Spa $150
Additional Spa $150

Limited Roof Leak
(for single-family homes only)

$50
Central Vacuum $25
Well Pump $75
Septic System $100
Septic Pumping $60
Second Fridge $35
Stand Alone Freezer $35
Water Softener $35
Refrigerator Ice Maker $35
Free Standing Ice Maker $35
Additional A/C System $75
Additional Heating System $75
Additional Water Heater $75
Additional Garage Door Opener $50
Additional Oven/Range/Stove $60
Clothes Washer $60
Clothes Dryer $60
A/C System $75
Heating System $75
Sprinkler System $50
Tankless Water Heater $75

 

How do you report a First Premier Home Warranty claim?

Submit claims over the phone to the 24/7 FPHW service hotline. While you can email customer service or fill out an online contact form, the provider requests all claims to be reported over the phone.

What is FPHW's normal in-policy timeframe?

While you can request service at any time, the standard timeframe for this provider is as follows:

  • After you make a request, FPHW will contact a service provider the same day, during business hours.
  • If you submit a request on the weekend or a holiday, it can take up to the first business day after the holiday to get in touch with the service company.

After being notified, service contractors will contact you to schedule an appointment during normal business hours.

With First Premier Home Warranty, who does the repairs?

Service calls are performed by FPHW's network of independent service contractors. The repair technician screening process is described by this provider as rigorous. 

Can you choose your own contractor or preferred repair service to do the work?

Depending on the home warranty provider you go with, you may or may not be allowed to request or even just independently select your own repair service. So, how does First Premier handle contractor selection?

According to its Terms and Conditions, this company has the "sole and absolute right" to choose the contractor who performs your service call. If you choose a service pro on your own, prior approval from FPHW must be authorized.

Under certain circumstances, the warranty provider may request or approve you to contact an independent service provider. If this happens, customers will be reimbursed for an authorized amount.

You will only be reimbursed if you get prior approval from FPHW before contacting on your own and getting claims approved. Before reimbursement, the warranty company needs acceptable proof of repair and an itemized cost receipt.

What is FPHW's emergency policy timeframe?

There is no in-contract timeframe when it comes to emergency repair assistance. First Premier states, "We will determine what repairs constitute an emergency and will make reasonable efforts to expedite emergency service." 

Keep reading our First Premier Home Warranty review for pros and cons of working with this warranty plan provider.

The Good

  • $45 Service Call Fee
  • Service and Labor Guarantee
  • No Transfer Fee
  • Lump Sum Payment Discount
  • No Inspection Needed

$45 Service Call Fee

First Premier Home Warranty has one of the lowest trade service fees in the industry, starting at $45.

Service and Labor Guarantee

If service work performed under this contract should fail, then the company will make the necessary repairs without an additional Trade Service Call Fee for a period of 90 days on parts and 30 days on labor.

No Transfer Fee

Customers can transfer their contract at any time with no fee.

Lump Sum Payment Discount

If you choose an annual plan and decide to pay up-front rather than in monthly installments, you save $50.

No Inspection Needed

First Premier Home Warranty doesn't require a property inspection before you can buy or start a home warranty. Instead, the company uses a 30-day wait policy before your policy becomes effective.

It's pretty standard for a warranty provider to require either a 30-day waiting period or a home inspection to help exclude claims due to pre-existing conditions.

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The Bad

  • Cash in Lieu of Repair or Replacement
  • Waiting Period
  • Cancellation Fee
  • Coverage Not Available in All States

Cash in Lieu of Repair or Replacement

First Premier Home Warranty shoppers should know that, at the company's discretion, you may be offered cash back instead of a repair or replacement. The settlement amount offered is equal to what it would cost FPHW to repair or replace the broken mechanical system component or appliance, which may be "less than retail" — meaning, the company will give you money, but it won't cover the total that you will end up spending if you to pay to fix the issue on your own.

A cash reimbursement in lieu of repair or replacement is a good factor to be aware of, both when you are comparison shopping, as well as when you are a potential, or new customer. It's certainly not a unique home warranty policy. You will come across this, or similar policies with providers such as Platinum Home Warranty, Choice Home Warranty, and American Home Shield.

If you have covered systems or appliances that are deemed irreparable, or totaled (not cost-effective to repair), your contract only covers a replacement that costs less than the depreciated value of the system or appliance that's not working. That amount does not include labor to install it either. "FPHW is not responsible for installation," in this circumstance.

Waiting Period

When consumers buy a home warranty plan directly from First Premier Home Warranty, the service agreement doesn't go into effect immediately. Whether you purchase it online or over the phone, there is a 30-day waiting period from your order date, before your 12 months of coverage officially start.

While not universal, it's pretty common to have a waiting period when you sign up for a home warranty. This type of policy is meant to protect the company from paying claims on pre-existing conditions, which are almost always excluded from coverage. Your home systems and appliances are required to be in normal working condition when you sign your initial contract.

However, FPHW offers to waive the 30-day wait, at its own discretion, on a case-by-case basis, if you can provide proof of prior home warranty coverage without a lapse.

Cancellation Fee

There is a 30-day cancellation period, starting at your order date. Service doesn't start for 30 days unless you have provided proof of uninterrupted service. If you do decide to cancel in the 30-day grace period, you will get a full refund, less any service costs that FPHW has already paid on your behalf to service providers.

After 30 days, you can cancel if a mutual agreement is made with the warranty company. All cancellation requests have to be submitted to FPHW in writing. However, after 30 days from your order date, a full refund is off the table. You will get a pro-rata refund less a $75 admin fee and any service costs already incurred by the provider.

Coverage Not Available in All States

The FPHW website has a disclaimer stating that coverage isn't available in all states; however, it doesn't state any exception. You have to go through the quote process to see if First Premier can help you, or whether you will be referred to a third party.

The Bottom Line

First Premier Home Warranty offers home appliance and system coverage, with easy plans to choose from, each covering a different mix of appliances and systems. Coverage for single-family home starts at about $350 annually, with an additional 20+ covered items as optional. FPHW has a $45 service call fee, which normally costs between $50 and $150 with other providers. 

Customers benefit from a 24/7 service line to call-in claim requests, as well as parts and labor guarantees, though appliance and system replacements and repairs depend on some exclusions and calculations.

Have you been covered by a First Premier Home Warranty? Let us know about your experience with a quick review below.

We'll Introduce You!

Call our recommended rep over at First Premier Home Warranty below.

1-(855) 221-1219

First Premier Home Warranty Frequently Asked Questions

What is the difference between homeowners insurance and a home warranty?

A home insurance policy covers accidental damage to your property and possessions, as a result of theft, fire, natural disasters, etc. There are four main areas of coverage: interior, exterior, personal property, and general liability. Homeowners insurance does not cover issues related to natural wear and tear, which means that if one of your essential home systems or appliances simply stops working, then your policy probably will not cover it.

A home warranty is a service contract between a home warranty company and homeowners. The contract covers repair and replacement costs on major home systems and appliances in the event of breakdowns that are associated with normal wear and tear.

Unlike homeowners insurance, a home warranty is not mandatory when purchasing a home. The main purpose of a home warranty is to offer coverage for the items that homeowners insurance overlooks — key items, appliances, and home systems that inevitably end up needing to be repaired or replaced over time. This is not limited to new items; which items or systems are covered depends upon the specific warranty plan.

Why buy a home warranty from First Premier Home Warranty?

If your home's appliances or systems break, you may end up paying top dollar to repair and/or replace them. An HVAC costs several hundred dollars to repair (if you're lucky), and several thousands if you need to replace it. This can be a sudden, unexpected expense and may cause a serious dent in your budget.

A home warranty is supposed to address such situations. For an annual premium of $500 on average, in additiona to deductible cost per service, you get free repairs, and item replacements — if necessary — up to a certain dollar figure limit.

Are home warranties worth it?

The main reason people get a home warranty is that they hope it will help them cover the cost of home maintenance. Whether appliances or pools, what everyone is essentially looking for is whether their home warranty of choice covers what they need at an adequate price. However, not many people realize how much it costs to maintain their house now, and how much it will cost them to do so in the future, as compared to the cost of a home warranty and its benefits.

What do home warranties cover with First Premier Home Warranty, and how do they intend to save money?

Home warranties are in essence a service contract which provides a commitment to repair certain appliances and systems if they malfunction. In exchange for that commitment, you are paying a set amount of money every year (premium). An additional cost to the annual premium would be a service-fee for each time you call in a repair person. The homeowner’s budget will be far more stable without unexpected expenses. Unexpected cost of repairs can add up very quickly, and replacing an expensive home system can have a significant impact on your monthly budget.

Is a home warranty worth it for me as a home seller or real estate agent?

One specific scenario in which home warranties are almost always worth it is when you are selling a house (for yourself or for someone). Home buyers tend to appreciate homes that come with a home warranty. It’s a nice freebie, and it makes them feel like it can potentially mitigate their expenses coming to a new home. The SCIC even published that homes that come with a home warranty sell faster on the market. Considering the average cost of approximately $500 for a home warranty plan for a year ahead, it sure does sound like a worthwhile deal.

User Reviews

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17 Reviews

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Larry Dick

September 11th, 2020 Coffeyville, KS DETAILS arrow_drop_down
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Excellent Customer Service..Joe called me about First Premier Home Warranty and at NO TIME did I feel pressured into making a decision. Joe also gave me discounts that I was not aware of. I was thoroughly Impressed by his Professionalism and thorough knowledge of the coverage. I was in Finance and Sales for 35 years and I received the kind of Customer Service, Professionalism, and Product Knowledge that I expected from the Sales crew I had working in my Department with No Pressure. EXCELLENT...AAA THANK YOU JOE AND FIRST PREMIER FOR HELPING ME CHOOSE THE RIGHT HOME WARRANTY COMPANY!!!! 👍👍👍👌👌👌

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Reply from First Premier Home Warranty

Sep 14, 2020

Larry, Thank you for your energetic & positive feedback on your experience with First Premier Home Warranty. Working with customers as yourself gives us a great sense of pride in our goal of customer care and satisfaction. Always a pleasure dealing with customers like you!

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Bridget londo

October 22nd, 2020 Los Angeles, CA DETAILS arrow_drop_down
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Ever since I switched over to First premier they’ve been super reliable and always quick to help with all the claims I’ve had so far. Highly recommend working with them! Ask for chase he’s great!

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Reply from First Premier Home Warranty

Oct 23, 2020

Bridget, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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beth ridges

November 26th, 2020 Monmouth Beach, NJ DETAILS arrow_drop_down
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Alex was so helpful to me, He got me a great deal for my 4 homes , first premier is the awesome!!

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Reply from First Premier Home Warranty

Nov 29, 2020

Beth, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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tom rivers

November 25th, 2020 Boston, MA DETAILS arrow_drop_down
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Excellent Customer Service , Jack is really patient and understanding, I'm so glad I found them! great rates and great service!

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Reply from First Premier Home Warranty

Nov 25, 2020

Tom, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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jose santos

November 24th, 2020 Secaucus, NJ DETAILS arrow_drop_down
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Great company ! Excellent service ! Good customer service ! Took great care of me!

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Reply from First Premier Home Warranty

Nov 25, 2020

Jose, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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Ray

November 19th, 2020 Boynton Beach, FL

Very professional and knowledgeable of First Premier Warranty

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Reply from First Premier Home Warranty

Nov 19, 2020

Ray, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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Tiara Greer

November 5th, 2020 Clarksville, TN

I love the representative of the company (Jack A). He was very understanding and professional. I will be recommending people to the company because of him!!!

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Reply from First Premier Home Warranty

Nov 09, 2020

Tiara, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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Angelique Acevedo-Barron

October 27th, 2020 , DETAILS arrow_drop_down
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Great customer attention! They were informative and very helpful!

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Reply from First Premier Home Warranty

Oct 28, 2020

Angelique, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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Ronald dawson

October 22nd, 2020 New York, NY DETAILS arrow_drop_down
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Jack was very kind and helped me get a policy, he gave me the piece of mind i needed that i will always be covered.

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Reply from First Premier Home Warranty

Oct 23, 2020

Ronald, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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JR Randall

October 19th, 2020 San Antonio, TX

I wasn’t even going to take the call because I was busy. But I’m so glad I did. My husband and I had recently agreed that we needed to renew. Jack was phenomenal in his execution and knowledge of the company! Great job!

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Reply from First Premier Home Warranty

Oct 19, 2020

JR, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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Ron Nelson

October 14th, 2020 Brooklyn, NY DETAILS arrow_drop_down
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Amazing customer service! An excellent service ! So happy with first premier!!

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Reply from First Premier Home Warranty

Oct 29, 2020

Ron, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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Lynn B. Campbell

October 6th, 2020 Charlotte, NC DETAILS arrow_drop_down
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Excellent customer service. Glad to have coverage on my home.

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Reply from First Premier Home Warranty

Oct 07, 2020

Lynn, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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James Strenger

September 25th, 2020 Hudson, FL

Joe M was very personable and easy to deal with. He was patient and attentive to all my questions and answered all of them for me. Joe made me feel like he was truly try to help me get the best warranty to fit my needs and budget.

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Reply from First Premier Home Warranty

Sep 29, 2020

James, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time.

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Janet Coleman

September 23rd, 2020 Brooklyn, NY DETAILS arrow_drop_down
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First Premier service is great! They’re responsive and the technicians they send out to our home always get the job done quickly!

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Reply from First Premier Home Warranty

Sep 25, 2020

Janet, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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Grass Love

September 21st, 2020 Chester, NJ

Joe is very patient in answering all questions and several phone calls, he is also knowledgeable and helpful. He is hardworking, can be always reached via phone.

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Reply from First Premier Home Warranty

Sep 23, 2020

Grass, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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James Rogers

September 9th, 2020 Brooklyn, NY DETAILS arrow_drop_down
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Technician came out same day it was dispatched. Fixed the issue with my stove. Thank you

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Reply from First Premier Home Warranty

Sep 10, 2020

James, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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Jan Johnson

September 2nd, 2020 Brooklyn, NY DETAILS arrow_drop_down
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Signed up with First Premier. Got myself a great & extended deal for being a senior! Thank you for the peace of mind.

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Reply from First Premier Home Warranty

Sep 02, 2020

Jan, Thank you for taking the time to share your wonderful review. We look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time

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