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First Premier Home Warranty

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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.

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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.

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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.

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Star Rating

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29 Reviews

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star star star star star

Natalie Badra Fallston, MD

First Premier has been amazing so far. I was able to get a quote and take my time on deciding whether to go with them or someone else. I spoke with Joe M. and he was able to save us a lot more ($100+) than other companies I spoke with. He answered all of my questions thoroughly and I couldn't recommend him more! We have not had to put in a claim yet, but I look forward to working with them when that time comes!

3 weeks ago

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Reply from First Premier Home Warranty

Natalie, 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

Apr. 22nd, 2021

star star star star star

Diana Cox Brooklyn, NY

I wanted to put this review after my first service request, 5 stars for First Premier they went above and beyond to service my dishwasher even when the servicer said that it could be repaired First premier went the replacement route because they didn't want an issue to happen in the future.

3 weeks ago

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Reply from First Premier Home Warranty

Diana, 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

May. 9th, 2021

star star star star star

William Golden Peekskill, NY

I haven't submitted a claim yet so I can only comment on the sign on process. Their pricing was very reasonable and their coverage is comprehensive so I feel I am getting good value. The other reason I chose First Premier over the other companies was because of their excellent reviews.

1 month ago

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Reply from First Premier Home Warranty

William, 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

Apr. 22nd, 2021

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Verified Customer

star star star star star

Ali Nahangi Ladera Ranch, CA

They meet my expectation. They respond very well. Their follow up

1 month ago

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Reply from First Premier Home Warranty

Ali, 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

Apr. 22nd, 2021

star star star star star

Marlon Lewis Virginia Beach, VA

Pleasant I understood everything that was said about the warranty

1 week ago

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Reply from First Premier Home Warranty

Marlon, 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

May. 9th, 2021

star star star star star

Ben Lowe Brooklyn, NY

Trustworthy Company that you can rely on. Excellent customer service , They sent someone down to my home within 24 hours for my clogged sink.

2 months ago

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Reply from First Premier Home Warranty

Ben, 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

Mar. 2nd, 2021

star star star star star

Mary Setters Manhasset, NY

Cathy in the claims department helped me when my heating system went out. We had a big storm in Utah and First Premier had someone out the same day!

2 months ago

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Reply from First Premier Home Warranty

Mary, 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

Feb. 19th, 2021

star star star star star

Joseph Wiggins Charlotte, NC

I talked with Jack, who was very professional and friendly. He advised me of all my options and answered all my questions.. I would definitely recommend this home warranty to anyone!

4 months ago

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Reply from First Premier Home Warranty

Joseph, 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

Jan. 17th, 2021

star star star star star

Vickie L Mann Aurora, CO

Jack was very professional, friendly and helpful in helping me to obtain a warranty for the buyers of my home. He was able to put together a package that was a perfect fit. Thank you!

4 months ago

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Reply from First Premier Home Warranty

Vickie, 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

Dec. 31st, 2020

star star star star star

James Strenger 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.

7 months ago

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Reply from First Premier Home Warranty

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.

Sep. 29th, 2020

star star star star star

Arlene Karen Brooklyn, NY

They cover two of my homes and provide excellent service and show up on a timely manner.

1 month ago

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Reply from First Premier Home Warranty

Arlene, 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

Apr. 22nd, 2021

star star star star star

tom rivers Boston, MA

My neighbor referred me over to first premier and i took advantage of the spring savings they had going on. Hopefully I never need it, but its peace of mind to have. Thanks

5 months ago

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Reply from First Premier Home Warranty

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

Nov. 25th, 2020

star star star star star

Bridget londo Los Angeles, CA

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!

6 months ago

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Reply from First Premier Home Warranty

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

Oct. 23rd, 2020

star star star star star

JR Randall 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!

6 months ago

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Reply from First Premier Home Warranty

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

Oct. 19th, 2020

star star star star star

Joe Pagnani Exeter, NH

Joe was a great help he told me everything I needed to know

3 weeks ago

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Reply from First Premier Home Warranty

Joe, 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

Apr. 22nd, 2021

star star star star star

Brenda m. Dungan Denham Springs, LA

Excellent service representative...very knowledgeable and explained everything

1 month ago

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Reply from First Premier Home Warranty

Brenda, 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

Apr. 22nd, 2021

star star star star star

Tiara Greer 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!!!

6 months ago

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Reply from First Premier Home Warranty

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

Nov. 9th, 2020

star star star star star

Grass Love 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.

7 months ago

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Reply from First Premier Home Warranty

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

Sep. 23rd, 2020

star star star star star

Janet Coleman Brooklyn, NY

First Premier service is great! They’re responsive and the technicians they send out to our home always get the job done quickly!

7 months ago

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Reply from First Premier Home Warranty

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

Sep. 25th, 2020

star star star star star

jose santos Secaucus, NJ

Great company ! Excellent service ! Good customer service ! Took great care of me!

5 months ago

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Reply from First Premier Home Warranty

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

Nov. 25th, 2020

star star star star star

Ronald dawson New York, NY

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.

6 months ago

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Reply from First Premier Home Warranty

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

Oct. 23rd, 2020

star star star star star

Jan Johnson Brooklyn, NY

Signed up with First Premier. Got myself a great & extended deal for being a senior! Thank you for the peace of mind.

8 months ago

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Reply from First Premier Home Warranty

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

Sep. 2nd, 2020

star star star star star_border

beth ridges Monmouth Beach, NJ

Alex was so helpful to me, He got me a great deal for my 4 homes , first premier is the awesome!!

5 months ago

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Reply from First Premier Home Warranty

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

Nov. 29th, 2020

star star star star star

Ray Boynton Beach, FL

Very professional and knowledgeable of First Premier Warranty

5 months ago

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Reply from First Premier Home Warranty

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

Nov. 19th, 2020

star star star star star

James Rogers Brooklyn, NY

Technician came out same day it was dispatched. Fixed the issue with my stove. Thank you

8 months ago

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Reply from First Premier Home Warranty

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

Sep. 10th, 2020

star star star star star

Angelique Acevedo-Barron ,

Great customer attention! They were informative and very helpful!

6 months ago

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Reply from First Premier Home Warranty

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

Oct. 28th, 2020

star star star star star

Ron Nelson Brooklyn, NY

Amazing customer service! An excellent service ! So happy with first premier!!

7 months ago

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Reply from First Premier Home Warranty

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

Oct. 29th, 2020

star star star star star

Lynn B. Campbell Charlotte, NC

Excellent customer service. Glad to have coverage on my home.

7 months ago

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Reply from First Premier Home Warranty

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

Oct. 7th, 2020

star star star star star

Larry Dick Coffeyville, KS

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!!!! 👍👍👍👌👌👌

8 months ago

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Reply from First Premier Home Warranty

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!

Sep. 14th, 2020

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