This company is a scam
This company is a scam — do not be lured in by the low upfront cost. I generally do not put reviews but this one I had to based on my recent experience. I had a simple garbage disposal issue and filed my first claim after two years on the contract. They sent a technician who charged a $45 service fee and submitted an estimate of $500+ to First Premier for the replacement. First Premier then decided to handle it as a cash settlement but refused to disclose the settlement amount when I asked on the call. Their response was "you'll know when it's done," which is absurd. Buried in the fine print of their contract is a clause stating they reserve the right to offer a cash settlement, and that the amount will always be less than the actual repair cost — something I missed when I signed up. I ended up proceeding with the repair through their technician since I couldn't leave my sink unusable for however long they'd take to get back to me. Since it was my first claim, I assumed the cash settlement would be close to the estimate their own technician submitted. Instead, they approved only $150 — leaving me with over $300 out of pocket for a simple disposal replacement that I could have done myself for far less. That's a lesson learned the hard way. They also provide zero proactive communication on claims. I emailed the cash settlement acceptance letter as they requested, but three weeks passed with no update. When I finally called, they essentially said "oh, we'll process it now" — and since they only acknowledged it the day I called, they then tacked on another 45+ days for payment from that date rather than from when I originally emailed. That's unacceptable. Customer service is blunt, unhelpful, and comes across as deliberately rude. They seem to be there just to stonewall you. My recommendation: pay a little more and go with a reputable home warranty provider. I will not be continuing with this company.