First Premier Home Warranty

First Premier Home Warranty is positioned as a value-oriented provider, emphasizing promotions and a relatively low, predictable service fee (typically $75 per claim). It can make sense as “just in case” protection if you’re price-sensitive, but the contract language and third-party complaint signals mean you should go in eyes-open, especially around coverage caps, depreciation/cash-out practices, and excluded conditions.

At a Glance

• Monthly cost: Commonly around $64.99/mo (Premier) and $71.99/mo (Platinum) (or $649.99 / $749.99 per year when paid annually, per third-party pricing breakdowns).
• Service call fee: Typically $75 (the contract says the exact “Trade Service Call Fee” is shown on your Agreement Coverage Summary).
• Waiting period: 30 days (may be waived with proof of prior coverage and no lapse, at their discretion).
• Coverage limit: Commonly cited as a $15,000 aggregate annual limit, with item/add-on caps (example caps noted for roof leak and well pump at $500 in at least one review).
• Workmanship/re-service: The service agreement states 90 days on parts / 30 days on labor for repeat failures, without an additional trade service call fee.

Overview

First Premier Home Warranty lists a Brooklyn, NY address on its BBB business profile. The company markets itself as established (“Since 1989” appears on its site), though you should treat marketing copy as less reliable than the service agreement and the coverage summary you receive at purchase.

Where it tends to win: up-front affordability, frequent promos, and a service-fee structure that’s often cheaper than the industry norm (many sources peg typical service fees at $75–$125 across the market).

Plans & Coverage

First Premier markets two core plans, Premier and Platinum, and a menu of optional add-ons (e.g., limited roof leak, pool/spa, septic, well pump, sump pump, additional HVAC, second refrigerator).

Important nuance: The website’s plan page lists many of the same covered items under both tiers (and the contract says your exact coverage depends on the Agreement Coverage Summary), so you should avoid assuming one plan includes/excludes HVAC or a fridge without checking your actual contract documents for your ZIP/state.

Fees & Limits

1. Service call fee mechanics
   The contract explicitly states that the trade service call fee applies per dispatched/scheduled service request—even if coverage is denied—and may be charged again for a second opinion if the second opinion agrees with the first.
2. Response times
   Under “normal circumstances,” the service agreement says they’ll contact an authorized contractor within 2 days (business hours) and 4 days on weekends/holidays.
3. Contractor choice is mostly controlled
   They retain the “sole and absolute right” to select the contractor, but they may authorize you to use an independent contractor and reimburse an authorized amount (with approvals and documentation).
4. Caps, depreciation, and risk
   The service agreement states they can offer cash back instead of repair/replacement based on their actual cost and/or depreciated value. If you’re expecting “brand-new replacement at retail,” that clause is the most common expectation gap in the home warranty category.
5. High-end appliance constraint
   The contract includes an explicit limitation for “professional series”/premium appliances (it notes an aggregate payment cap of $1,000 for brands such as Sub-Zero, Viking, Thermador, and Miele).

Customer experience

• Claims intake: Phone intake is clearly supported; the contract emphasizes calling to request service and sets rules around approvals and second opinions.
• Re-service window: If covered work fails, the agreement provides a defined re-service window (90/30 parts/labor) at no additional service fee.
• Transfer/cancellation: The service agreement states a $75 transfer fee and outlines cancellation/administrative fees, along with refund rules that depend on timing and whether you’re on a monthly payment plan.

Who it’s best for

• Budget-first buyers who mainly want to cap downside risk and keep ongoing costs predictable—especially if promos materially reduce year-one pricing.
• Home sellers/agents who want a relatively low-cost warranty as a closing incentive (this is a common use-case the company markets to).
• Homes with “standard” equipment where replacement costs aren’t extreme, and the depreciation/cap structure is less painful.

Who should skip it

• Luxury / pro-series appliance households (the contract’s premium appliance limitation is a bright red flag for Sub-Zero/Viking/Thermador owners).
• Anyone who hates coverage gray areas: the agreement has strict rules on approvals, exclusions, and the company’s option to cash out at depreciated value.
• Risk-averse shoppers who weigh complaint/track-record signals heavily (BBB shows not accredited and a low rating).

Bottom Line

First Premier can work as a starter, budget-optimized home warranty if you (1) value a commonly low service fee, (2) want strong year-one promo economics, and (3) are comfortable reading the fine print on caps and cash-out/depreciation clauses.

If you want maximum “replace anything, no drama” power—especially for premium appliances and high-end HVAC, you’ll usually be better served by a plan category that offers higher per-item payouts and less restrictive settlement language, even if it costs more.