First Premier Home Warranty

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:

• Annual — $350+
• Monthly — $32+

• Annual — $499+
• Monthly — $45+

• 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:

Limited Roof Leak
(for single-family homes only)

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.