First Premier Home Warranty: Premier & Platinum Plans Explained
First Premier Home Warranty is a budget-friendly home warranty company offering two plans — Premier and Premier Platinum — with a low $75 service fee per claim and one of the largest add-on menus in the industry.
This guide explains what each First Premier Home Warranty plan covers, the 30-day waiting period, which items need add-ons, how the 24/7 claims process works, and the reputation issues you should know about before buying.
Quick Answer: First Premier Home Warranty at a Glance
First Premier Home Warranty sells two plans: the Premier plan (sample quotes around $39.99/month or $419/year) covering kitchen appliances, plumbing, electrical, and water heaters, and the Premier Platinum plan (sample quotes around $47.99/month or $499.99/year) that adds HVAC — up to two heating and cooling units — plus refrigerator, washer, and dryer.
A $75 service fee applies per claim. Claims can be filed online or by phone 24/7, coverage starts after a 30-day waiting period, and contractors are assigned from the company network.
| Question / Feature | Policy Rule |
|---|---|
| Plans | Premier and Premier Platinum (sample quotes: $39.99/mo or $419/yr; $47.99/mo or $499.99/yr) |
| Service fee | $75 per claim (sample quote figure — competitive with the industry average) |
| Platinum HVAC | Up to two heating and two air conditioning units |
| Waiting period | 30 days from purchase before claims can be filed |
| Claims | Online portal or phone, 24/7 |
| Contractors | Assigned from the company network — you cannot choose your own |
| Coverage area | Nationwide across most states |
| Add-ons | 16+ options: pool/spa, roof leak, well pump, septic, second refrigerator, and more |
| Transferable | Yes — plans transfer to a new homeowner on sale |
| Online | firstpremierhomewarranty.com |
Official Policy Verification & Source Check
Official policy source: https://www.firstpremierhomewarranty.com
Source type: Official plan pages and published FAQ (waiting period, contractor assignment, transferability)
Last checked: October 2026
Confidence level: High
Important notes: Prices are third-party sample quotes for a single-family home; your quote depends on home size, location, and coverage level.
How We Check This Policy: We read First Premier Home Warranty’s official plan pages and FAQ — including the 30-day waiting period, the assigned-contractor rule, and plan transferability — and cross-checked plan contents and sample pricing against independent third-party reviews rather than the company’s marketing pages alone.
Plans in Detail
The Premier plan is the entry tier (sample quotes: $39.99/month or $419/year). It covers the plumbing system and plumbing stoppages, water heater, whirlpool bathtub, electrical system, oven/range/stove, and cooktop.
It also covers the built-in microwave, dishwasher, garbage disposal, trash compactor, ductwork, garage door opener, ceiling and exhaust fans, and a sump pump. The company also pays for rough carpentry work required to complete some repairs — though it will not touch anything you attempted to DIY.
The Premier Platinum plan (sample quotes: $47.99/month or $499.99/year) includes everything in Premier and adds the big-ticket items: air conditioning (up to 2 units), heating system (up to 2 units), refrigerator, clothes washer, and clothes dryer. If your home has two HVAC systems — a common setup in larger homes — the two-unit allowance is a genuine advantage at this price tier.
What neither plan includes on its own is a long list of extras the company sells as add-ons: pool/spa equipment, additional spa, limited roof leak coverage, central vacuum, sump pump, well pump, septic system, and septic pumping.
More add-ons include a second refrigerator, stand-alone freezer, water softener, refrigerator ice maker, free-standing ice maker, additional A/C systems, additional heating systems, additional water heater, and additional garage door opener. Add-on pricing is quoted per item; sample ranges run roughly $25 to $150 per year depending on the item.
| Plan | Sample Quote | Headline Coverage |
|---|---|---|
| Premier | $39.99/mo or $419/yr | Kitchen appliances, plumbing, plumbing stoppages, water heater, electrical, ductwork, garage door opener |
| Premier Platinum | $47.99/mo or $499.99/yr | Everything in Premier + A/C (2 units), heating (2 units), refrigerator, washer, dryer |
| Add-ons (16+) | Quoted per item | Pool/spa, limited roof leak, well pump, septic, second refrigerator, ice maker, water softener, central vacuum |
How the Sample Pricing Works
The figures above are sample quotes gathered by third-party reviewers for a single-family home — not published list prices. Paying annually saves roughly $60–$100 versus monthly billing. Your actual quote depends on your home’s size, location, and coverage level, so request a quote on the official site or call 1-800-388-1918 before budgeting.
How Claims Work
Claims can be filed online through the customer portal or by phone, 24/7. The company says a qualified technician is assigned to review the problem and carry out repairs, with the company handling scheduling and dispatch. Response targets reported by reviewers are 24–48 hours for technician assignment after approval.
Two rules shape every claim. First, the 30-day waiting period: you can begin filing claims 30 days after purchase, so a breakdown in the first month is on you. Second, you cannot choose your own contractor — the company assigns one from its network, which streamlines scheduling but removes your control over who shows up.
Third-party reviewers report a $1,500 payout cap per repair, a 30-day guarantee on labor, and a 90-day guarantee on parts — meaning if the item breaks again within those windows, the repair gets redone. Treat those figures as third-party reports, not official terms, and confirm the cap in your own agreement.
Who Should Buy a First Premier Home Warranty Plan?
The Premier plan suits budget-conscious homeowners whose HVAC is newer or covered elsewhere but who want the appliance, plumbing, and electrical core protected. The Premier Platinum plan suits owners of older homes with two HVAC systems, since covering two heating and two cooling units plus the full appliance suite at under $50/month (sample quote) is genuinely competitive.
Homes with pools, spas, septic systems, or well pumps need the add-on math: those items are never in the base plans, so price the add-ons before assuming you are covered. And sellers can use the transferable plan as a listing perk — the company says transferring a plan to the buyer adds value at closing.
Reputation Notes to Know
Third-party reviews of First Premier Home Warranty are mixed. The company holds a B rating with the Better Business Bureau and a low-3-star average across a few hundred customer reviews, with frequent complaints about claim processing delays and support responsiveness. One review outlet noted the company was previously involved in a lawsuit with the California Department of Insurance over licensure issues.
On the positive side, the company emphasizes budget-friendly plans, 24/7 claims availability, and optional roof leak coverage that many competitors omit. Go in with eyes open: confirm the sample contract terms — especially the payout cap and waiting period — before you buy.
What Is Not Covered
Standard home-warranty exclusions apply, and the official FAQ names several:
- Excluded Pre-existing conditions. If a system or appliance was not in proper working order before the policy’s effective date, the claim is not approved.
- Excluded Breakdowns during the 30-day waiting period. Coverage starts after the waiting period ends — nothing before that is covered.
- Excluded Damage from misuse or lack of maintenance. Neglect and improper use are standard denials.
- Excluded Natural disasters and structural issues. Floods, storms, and structural defects are not warranty items.
- Excluded Cosmetic damage. Shelves, knobs, doors, and cosmetic repairs are excluded.
- Excluded Add-on items you did not purchase. Pool, spa, roof leak, well pump, and septic coverage only exists if you bought the add-on.
How to File a Claim
- Submit your service request online through the customer portal, or call the company — claims channels are open 24/7.
- Pay attention to the waiting period: only file after 30 days from purchase have passed, or the request will be denied.
- A qualified contractor is assigned from the company network — the company handles scheduling and dispatch, typically within 24–48 hours of approval.
- The technician diagnoses the problem and completes the repair or replacement if it is covered.
- Pay the $75 service fee for the visit and confirm the workmanship guarantee window on your receipt.
If the technician’s work fails within the guarantee window (30 days on labor and 90 days on parts, per third-party reports), request a re-service rather than paying for a second visit.
Claim Tips
- Wait out the 30 days. Filing on day 29 is a denial — mark the calendar from your purchase date.
- Price the add-ons first. Pool, spa, roof leak, well pump, and septic are never in the base plans.
- Document pre-existing condition. Anything not working on day one is excluded — photograph and test appliances at signup.
- Expect an assigned technician. You cannot pick your own; plan around the 24–48 hour assignment window.
- Ask about the payout cap. Third-party reviewers report a $1,500 per-repair limit — confirm it in your agreement.
- Use the transfer at resale. The plan transfers to the buyer, which can sweeten your listing.
FAQs
What is First Premier Home Warranty?
First Premier Home Warranty is a home warranty company offering two plans — Premier and Premier Platinum — that cover home systems and appliances against breakdowns from normal wear and tear, with claims available 24/7 by phone or online.
What is the difference between the Premier and Premier Platinum plans?
The Premier plan covers kitchen appliances, plumbing, electrical, water heaters, ductwork, and more. Premier Platinum adds everything in Premier plus up to two heating and two air conditioning units, plus the refrigerator, clothes washer, and clothes dryer.
How much does First Premier Home Warranty cost?
Sample quotes for a single-family home run about $39.99/month or $419/year for Premier and $47.99/month or $499.99/year for Premier Platinum, plus a $75 service fee per claim. Treat these as sample quotes — your price depends on home size and location.
What is the service fee?
The service fee is $75 per claim (per the sample-quote sources), paid each time a technician is dispatched. The company describes it as a per-visit fee for inspection and diagnosis.
Is there a waiting period before I can file a claim?
Yes — the official FAQ states a 30-day waiting period from the purchase date. You can begin filing claims after that period ends.
Can I choose my own contractor for repairs?
No. The company’s official FAQ says it assigns a contractor from its network when a claim is filed, to keep quality consistent and scheduling fast.
Are older appliances and systems covered?
Yes — older systems and appliances are usually eligible as long as they were in working condition at the start of the plan. Items already broken before the effective date are excluded as pre-existing conditions.
What add-ons are available?
Sixteen-plus options including pool/spa equipment, limited roof leak coverage, central vacuum, sump pump, well pump, septic system, second refrigerator, stand-alone freezer, water softener, ice makers, and additional A/C, heating, water heater, or garage door opener units.
Does First Premier Home Warranty cover roof leaks?
Only through the limited roof leak add-on, which is not part of either base plan. Roof leak coverage is one of the company’s frequently cited selling points.
Is the plan transferable if I sell my home?
Yes. The company’s official FAQ says plans can be transferred to the new homeowner, which can increase buyer confidence during the sale.
Conclusion
First Premier Home Warranty is a value-priced option with a real two-tier lineup: Premier for the appliance-and-plumbing core, Premier Platinum for the full HVAC-plus-appliances package at under $50/month in sample quotes. The 16+ add-on menu — including roof leak coverage many competitors skip — makes it genuinely customizable, and 24/7 claims with a $75 service fee keep out-of-pocket costs predictable.
The trade-offs are a strict 30-day waiting period, assigned contractors only, and a mixed third-party reputation on claim speed. Get a quote at firstpremierhomewarranty.com and confirm the payout cap and waiting period in the sample contract before you buy.
Sources: firstpremierhomewarranty.com (official plan pages and FAQ); pricing and plan-content details cross-checked against independent third-party reviews (sample quotes labeled as such).
Disclaimer: This article is for informational purposes only. First Premier Home Warranty may change plan names, terms, and pricing at any time. Confirm current terms in your own agreement before purchasing or filing a claim.
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Check the Latest Official Manufacturer Warranty Before You File
Warranty coverage periods, required proof-of-purchase documents, eligible defect categories, and claim handling times vary by region, model, and authorized seller. Always check the official manufacturer’s latest support portal before filing a claim to confirm your product's eligibility.