4.5/5
Service Evaluation
Key Takeaway: First Premier Home Warranty (Expert Score: 4.5/5.0)
First Premier Home Warranty earns a 4.5/5.0 Expert Score from BestGuide as a value-focused, nationwide provider with two coverage tiers, a flexible service fee you choose at signup, and broad protection spanning home systems and appliances. It carries a B rating from the Better Business Bureau and is not BBB accredited, and the main area to watch is claims communication, but its coverage breadth, transferable contracts, and inspection-free onboarding make it a strong pick for budget-minded homeowners.
First Premier Home Warranty earns an Expert Score of 4.5 out of 5.0 from BestGuide, positioning it as a value-focused option with broad coverage and flexible costs. It offers two plans, Premier and Platinum, lets you pick a per-claim service fee of $65, $85, or $100 (a higher fee lowers your monthly premium), covers both systems and appliances, and transfers contracts with no fee if you sell your home. This review also looks honestly at customer service, where the Better Business Bureau record shows room to improve on claims communication.
We recommend you compare First Premier with other top-rated home warranty companies to confirm the coverage and fee structure that fit your home.
How First Premier Home Warranty Works
First Premier Home Warranty operates on a standard service contract model. Homeowners select a protection plan, pay a monthly premium, and in the event of a covered system or appliance failure, they can request service. The process follows three main steps, and claims can be filed 24/7.
1. Select a Plan
You begin by choosing one of two coverage plans: Premier or Platinum. At signup you also choose your Trade Service Call Fee (deductible) of $65, $85, or $100 per claim. Selecting a higher service fee lowers your monthly premium, so you can tune the plan to your budget. A 30-day waiting period applies before you can file your first claim.
2. Request Service for a Breakdown
When a covered item fails, you file a claim online or by phone through the 24/7 claims department and pay your selected service fee to have a technician dispatched.
3. Schedule and Complete the Repair
First Premier assigns a service contractor from its nationwide network, who schedules a visit directly with you. If the breakdown is covered under your plan’s terms, the contractor performs the repair or arranges a replacement. Your out-of-pocket responsibility is limited to the service fee; First Premier covers the remaining costs up to the policy limits.
Who First Premier Home Warranty Is Best For
Based on BestGuide’s analysis, First Premier is best for budget-minded homeowners and real estate investors who want broad, flexible coverage at a predictable cost. The selectable service fee lets cost-driven owners trade a higher per-claim fee for a lower monthly premium, and the nationwide network, transferable contracts, and no-inspection onboarding suit sellers and people who move often. Homeowners who prioritize top-tier claims communication should review the BBB record below first.
First Premier Home Warranty Standout Features
First Premier distinguishes itself with structural features focused on flexibility and value.
Selectable Service Fee: Rather than a fixed deductible, First Premier lets you choose a per-claim fee of $65, $85, or $100, where a higher fee lowers your monthly premium, giving you control over how costs split between premiums and per-claim charges.
Two Coverage Tiers, Systems and Appliances: Both the Premier and Platinum plans cover major systems and appliances, from AC, heating, and electrical to refrigerators, washers, dryers, and ovens. An extensive add-on menu (pool/spa, well pump, septic, roof leak, and more) lets you tailor coverage.
Transferable, Inspection-Free Coverage: Contracts transfer to a new owner with no fee, and no home inspection is required to start, which helps sellers and buyers during a transaction.
First Premier Home Warranty Pros and Cons
| Pros | Cons |
|---|---|
| Selectable Service Fee: You choose a $65, $85, or $100 per-claim fee, with a higher fee lowering your monthly premium. | Not BBB Accredited: The company holds a B rating from the Better Business Bureau and has not pursued accreditation. |
| Broad Coverage, Both Plans: Premier and Platinum cover major systems and appliances, with a large optional add-on menu. | Complaint Volume: The BBB lists 911 complaints, with common themes around claims communication and timing. |
| Transferable, No Inspection: Contracts transfer with no fee and no home inspection is required to start. | 30-Day Waiting Period: Coverage allows claims only after a 30-day waiting period from purchase. |
Is First Premier Home Warranty Legit?
Yes, First Premier Home Warranty is a legitimate company registered to provide home service contracts. It is a Corporation founded on January 13, 2020, headquartered at 2918 Avenue R, Brooklyn, NY 11229-2524, and led by Albert Sayegh, President/Owner. It has operated for 6 years and runs a 24/7 claims department.
On the regulatory side, two state matters appear on the company’s BBB profile, both now resolved. In July 2024 the Minnesota Department of Commerce reached a consent order over service contracts sold before registration, settled for a $2,500 civil penalty; First Premier obtained its Minnesota registration on May 31, 2024. In September 2024 the New Hampshire Insurance Department issued a consent order for unregistered activity, settled with a $13,500 fine. Both were registration matters that have since been cured.
First Premier Home Warranty BBB Rating and Accreditation
As of mid-2026, First Premier Home Warranty holds a B rating from the Better Business Bureau (BBB). The company is not BBB accredited. Accreditation is voluntary and requires a business to apply and meet the BBB’s Standards for Trust, which First Premier has not pursued.
According to the BBB profile, 911 complaints have been filed against the business over the reporting period, which the BBB cites as the basis for the B rating. Common themes include delays securing technicians and claims communication, which is why Customer Satisfaction is the lowest of our five criteria. Buyers should weigh that record against the company’s coverage breadth and flexible pricing.
First Premier Home Warranty Cost: What You Should Expect to Pay
The First Premier plan cost is a monthly premium plus a per-claim service fee. The company does not publish flat pricing; quotes vary by home size, location, plan, and add-ons, so a direct quote is the most accurate figure. Advertised new-customer promotions have included $200 off, two extra months, and free roof coverage.
The most distinct cost feature is the selectable Trade Service Call Fee, which you choose at signup:
| Service Fee Option | Impact on Monthly Premium |
|---|---|
| $65 per claim | Higher monthly premium, lower out-of-pocket per repair |
| $85 per claim | Balanced premium and per-claim cost |
| $100 per claim | Lower monthly premium, higher out-of-pocket per repair |
This lets you control how costs split between premiums and per-claim charges, though total annual cost still depends on how many claims you file.
Final Verdict: First Premier Home Warranty Review
First Premier Home Warranty earns an Expert Score of 4.5/5.0. It delivers strong value: a selectable service fee, two tiers spanning systems and appliances, a deep add-on menu, nationwide service, transferable contracts, and no required home inspection. The flexible pricing is a tangible advantage for budget-minded homeowners, and the 24/7 claims process is a solid structural foundation.
The area to watch is customer communication. A B rating from the BBB and 911 complaints, with themes around claims timing and communication, make Customer Satisfaction the lowest of our five criteria, and they are worth weighing before you buy. Two earlier state registration matters have since been resolved. For homeowners who want broad, flexible coverage at a competitive price and will confirm claim timelines up front, First Premier is a strong choice.
Flexible service fees and broad systems-and-appliance coverage make First Premier a strong value pick. Compare it against other top providers before you choose.
Frequently Asked Questions About First Premier Home Warranty
What do experts say about First Premier Home Warranty?
BestGuide gives First Premier Home Warranty a score of 4.5 out of 5.0. The rating reflects its flexible service fee, two coverage tiers spanning systems and appliances, nationwide service, and transferable contracts, balanced against a B rating from the BBB and complaint themes around claims communication.
Is First Premier Home Warranty worth it in 2026?
For budget-minded homeowners who want broad, flexible coverage, First Premier is worth considering. It lets you choose your service fee, covers both systems and appliances on each plan, and requires no home inspection to start. Homeowners who prioritize the fastest claims communication should confirm typical timelines before purchasing.
How does First Premier compare to other home warranty companies?
First Premier competes on flexibility and value, letting you select a $65, $85, or $100 service fee and offering contracts that transfer with no fee. Its B rating from the BBB trails the A or A+ ratings some competitors hold, so coverage breadth and pricing are its stronger selling points.
What is First Premier Home Warranty’s BBB rating?
As of mid-2026, First Premier Home Warranty has a B rating from the Better Business Bureau and is not BBB accredited. The BBB profile lists 911 complaints over the reporting period as the basis for the rating.
How much does a First Premier home warranty plan cost?
First Premier does not publish flat pricing; your monthly premium depends on home size, location, plan, and add-ons, so a direct quote is the most accurate figure. You also choose a per-claim service fee of $65, $85, or $100, where a higher fee lowers your monthly premium.
Is First Premier Home Warranty a legitimate company?
Yes. First Premier Home Warranty is a Corporation founded in January 2020 and based in Brooklyn, NY, with an active claims operation and nationwide service. Two earlier state registration matters have been resolved and the company is now registered to operate in those states.