Are Home Warranties a Waste of Money? Why First Premier Changed Our Mind
Project: 2026 Ways for Homeowners to Save
Edition: Home Warranties
When we started our “2026 Ways for Homeowners to Save” project, we did not expect a home warranty to make the list.
Too many plans sound useful until you read the contract. So we read the fine print, compared policies, and looked closely at what homeowners actually receive.
One company stood out: First Premier Home Warranty.
The reason was not a flashy promise. It was what we found in the contract: older systems and appliances can still qualify, homeowners can choose optional add-ons, and no home inspection is required.
For homeowners over 50 who want to make certain repair costs more predictable, those details are worth a closer look.
Why First Premier Stood Out
✅ Older Systems and Appliances Can Still Qualify
An older appliance is not automatically disqualified because of its age.
First Premier states that older systems and appliances can qualify as long as they are in proper working order when the plan begins. That can matter if your home has equipment that still works but is no longer new.
✅ You Can Add the Coverage Your Home Needs
First Premier offers optional add-ons for homeowners who want additional protection.
Instead of assuming every home needs the same plan, you can review the available options and decide which coverage fits your home.
✅ No Home Inspection Is Required
You do not need to schedule a home inspection before starting a First Premier plan.
There are still conditions to understand. Systems and appliances generally must be working properly when coverage begins, and pre-existing problems generally are not covered. Review the service agreement before choosing a plan so you know what is and is not included.
What First Premier Customers Say
We also reviewed feedback from First Premier customers. Two experiences stood out:
Jackson K. wrote that First Premier handled his claim and had his washing machine running again within two days. He called taking out the policy the “best decision I’d ever made.”
– Jackson K. Mar 9, 2026
Jonathan G. said First Premier’s technicians fixed his water heater without hassle. He wrote that the company “made my life so much easier” and said he would recommend it to his neighbors.
– Jonathan G. Feb 5, 2026
The common thread was convenience: when a covered problem occurred, these customers already had a service process in place.
According to First Premier, more than 1 million homeowners have trusted the company since 1989.
What First Premier Can Cover
Coverage depends on the plan, optional add-ons, and the terms of the service agreement. Check the current contract for specific limits, conditions, and exclusions.
Is First Premier Worth Considering?
A home warranty is not right for every homeowner. But First Premier addresses several of the concerns that made us skeptical in the first place:
- Older working systems and appliances can still qualify.
- No home inspection is required.
- Optional add-ons let homeowners choose additional protection.
- A nationwide network of service professionals is available for covered breakdowns.
If you are over 50, watching your budget, and looking for a way to make certain unexpected repair costs more predictable, First Premier Home Warranty may be worth considering.
The next step is not to rush into a plan. It is to review the available coverage and see whether it fits your home.
Protect Your Biggest Investment
How Much Does a Home Warranty cost?
