First Premier Home Warranty Review (2025)

First Premier Home Warranty, founded in 2020, offers nationwide home warranty coverage but has faced significant customer complaints and legal issues related to licensing in some areas. After evaluating its plans, pricing, and brand reputation, we can’t recommend First Premier. Instead, we recommend our list of the best home warranty companies since these companies have high customer ratings and a proven track record of reliability.

Additionally, customer feedback frequently highlights delays in claim processing and inadequate customer support as key pain points when dealing with First Premier. The company’s limited transparency regarding contract terms and exclusions further complicates the decision-making process for potential customers. These factors, combined with compliance issues, make it challenging to trust First Premier as a dependable home warranty provider.

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Our Take on First Premier Home Warranty

First Premier has two comprehensive plans for essential home items, including HVAC, plumbing, and electrical systems. The company also offers 16 add-on options for more customized coverage and charges a standard $75 service fee for repairs. 

However, its response times and the length of its workmanship guarantee fall short compared to other major home warranty companies. First Premier has received numerous negative reviews on various third-party review sites. The company also was previously involved in a lawsuit with the California Department of Insurance due to licensure issues. 

We don’t recommend First Premier to homeowners because of these severe reputation issues.

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Pros and Cons of First Premier Home Warranty

Pros

• Has affordable plans
• Offers discounts when you pay for your plan upfront
• Provides optional roof leak coverage

Cons

• Lacks system- or appliance-only plans
• Has significant reputation and licensing issues
• Customers reported slow response times

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What Plans and Coverage Does First Premier Home Warranty Offer?

First Premier offers customers two home warranty plans—a premier plan and a premier platinum plan, each available in a monthly or yearly contract option. The premier platinum plan is the most comprehensive, encapsulating all major systems and all major appliances. Homeowners interested in protection for systems and appliances not included in the core plans also have several options for add-on coverage.

Optional Add-Ons

To further customize your plan, First Premier Home Warranty allows you to purchase the following add-ons at an additional charge:

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How Much Does First Premier Home Warranty Cost?

Customers can either sign up for a shorter-term, monthly plan, or they can pay for the full year upfront. While homeowners who purchase an annual plan are locked in for 12 months, they can save over $100 for the year.

First Premier Home Warranty charges the standard $75 service fee when a technician visits your home to resolve an issue. This cost falls on the lower end of typical service fees in the home warranty industry.

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How To File a Claim with First Premier Home Warranty

We found that filing a claim with First Premier Home Warranty is straightforward. Here’s a step-by-step guide to help you navigate the process:

• Access the claim portal: Visit First Premier Home Warranty’s official website and click on the “File a Claim” button located at the top of the homepage. Alternatively, log in to the customer portal using your credentials.
• Provide necessary details: Complete the claim form by providing essential information such as your policy number, contact details, and a description of the issue. Be prepared to specify the affected appliance or home system and the nature of the problem.
• Submit required documentation: Include any relevant documentation that may be needed for claim approval, such as the following:
  • Proof of purchase or service records for the item in question
  • Photos or videos illustrating the damage or malfunction
  • Any previous maintenance records, if applicable
• Wait for claim confirmation: After submission, you will receive a confirmation email or notification via the portal indicating that your claim is being processed.
• Service appointment scheduling: If the claim is approved, First Premier will schedule a service appointment with an in-network technician. The technician will assess the issue, and First Premier will authorize repairs or replacements based on your protection plan.

First Premier Home Warranty Reviews: What Are Customers Saying?

The Better Business Bureau (BBB) doesn’t accredit First Premier, but it currently holds a B rating with the organization. At the time of this review, the company holds just over a 3-star average rating from approximately 400 customer reviews.

Here are a few customer reviews from the BBB:

Licensing Issues

First Premier has faced significant legal challenges, particularly in California. The company was involved in a lawsuit with the California Department of Insurance due to disputes over proper licensing. On October 29, 2021, First Premier entered into an agreement with the California Department of Insurance that stipulated the company must cease selling home warranty policies in the state until future licensure is approved. As a result of this agreement, California homeowners can’t purchase a home warranty plan from First Premier. 

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How To Buy a Home Warranty for Your Needs

Buying the right home warranty provider involves evaluating several factors to ensure comprehensive protection for your home. Begin reviewing the home warranty coverage each provider offers. Ensure that it matches your specific needs. Some providers offer systems-only plans, while others extend to appliances or additional items.

Another factor to consider is cost. According to our 2025 home warranty survey, home warranties cost an average of $56 per month, with service fees between $75 and $125 per claim. When comparing costs between providers, factor the level of coverage they provide to ensure you’re getting your money’s worth. 

We also recommend reviewing a provider’s residential service contract. Pay attention to exclusions, coverage limitations, and any restrictions that may affect claim eligibility. Understanding these terms upfront can prevent future surprises. Lastly, ask about the claims process, as a seamless process can significantly impact your overall experience. Look into how you can file a claim—whether online or over the phone—and how long the company typically takes to process it. We suggest choosing a provider with a transparent and efficient claims procedure.

Our Final Take on First Premier Home Warranty

Due to First Premier’s tarnished reputation and concerns over proper licensing in certain states, we don’t recommend its services to homeowners. The legal issues and customer dissatisfaction surrounding this provider raise doubts about the reliability and consistency of its coverage.

Instead, we encourage homeowners to consider one of our recommended home warranty providers. These companies offer robust protection plans and reliable service and have established solid brand reputations within the industry. By choosing a reputable provider from our recommendations, you can have greater confidence in the coverage and support you receive for your valuable home investment. 

We recommend getting quotes from at least three providers so that you can compare prices and choose a plan that fits your budget while providing the essential coverage you need.

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Company Information

• Company name: First Premier Home Warranty
• Company type: Private
• Year founded: 2020
• Headquarters: 2918 Avenue R, Brooklyn, NY 11229
• State availability: 44
• BBB rating: B

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Frequently Asked Questions

What is First Premier Home Warranty’s cancellation policy?

You can cancel within the first 30 days of purchasing a plan. If you cancel after 30 days, you’ll receive a prorated refund minus a $75 administrative fee. It’s important to keep in mind that coverage under your First Premier Home Warranty plan doesn’t begin until 30 days after you purchase your plan.

Does First Premier Home Warranty cover preexisting conditions?

First Premier Home Warranty doesn’t cover undetectable preexisting conditions.

Do I need a First Premier Home Warranty if I have homeowners insurance?

Even if you have homeowners insurance, it’s recommended to purchase a home warranty plan to protect yourself from out-of-pocket expenses associated with repairing or replacing an appliance or system. Homeowners insurance only covers structural damage to your home that’s caused by theft or natural disasters like a fire or hailstorm.

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Our Rating Methodology

We use a detailed rating methodology to objectively score each home warranty company we review. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and running focus groups and homeowner surveys. 

We use this information to score each provider in six comparison categories that we think are most important when choosing a home warranty. We rate each provider across 23 factors within those categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

• Coverage (35%): This category looked at how comprehensive each provider’s coverage was, including whether they covered unique items. Companies that covered the most items and had higher annual limits received the highest scores. We docked points from providers that imposed long waiting periods or had depreciation policies that decreased your payouts for aging items.

• Cost (20%): We looked at average monthly prices and service call fees. We gave the most points to companies that offer pricing at or below the industry average and don’t impose any surcharges or extra fees.

• Trustworthiness (15%): To gauge reputation and reliability, we reviewed customer ratings across sites like the Better Business Bureau and Trustpilot as well as companies’ responses to complaints. We also checked for National Home Service Contract Association (NHSCA) membership. Providers with the highest ratings and longest workmanship guarantees received higher scores. We deduced points for any ongoing legal issues.

• Plan transparency (10%): We read terms, policies, and disclosures in provided contracts and on each company’s website. Providers with transparent contract details and policies received more points.

• Customer support (10%): Companies with multiple claims filing options, fast response times, and accessible customer support scored well in this category.

• Flexibility (10%): We awarded more points for providers offering more plan options, larger add-on catalogs, the ability to choose your own technician, and customer-friendly cancellation policies.