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First Premier Home Warranty vs. The Home Service Club

Compare coverage, cost and reviews

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Written by Matt Zane
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Edited by Jon Bortin

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First Premier Home Warranty and The Home Service Club are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.

First Premier Home Warranty is our recommendation to buyers seeking more affordable coverage. The basic plan from First Premier costs less than a similar plan from The Home Service Club. The company also offers quick turnarounds on service calls and helpful sales agents, so there’s no need to fear that you'll have to sacrifice good service for a lower price.

The Home Service Club is our recommendation for comprehensive coverage. The standard plan from The Home Service Club covers most basic systems and appliances. On the other hand, First Premier does not include common household items like washers, dryers or air conditioning systems.

First Premier Home Warranty vs. The Home Service Club plans and pricing

Home warranty companies generally offer varying levels of coverage, but how companies separate their plans can be very different. Many companies split up coverage for appliances and systems.

Home warranty plans can be divided into three categories:

  • Appliance plans cover common home appliances, including washers, ovens and refrigerators. Most appliance plans do not cover home electronics, including televisions, but some companies offer electronics coverage for an additional cost.
  • System plans typically include coverage for your home’s plumbing, electrical and HVAC systems.
  • Combo plans cover both systems and appliances, though not all combo plans provide the same level of coverage.
Take a look at what you want your plan to cover. If your appliances are new and covered under a manufacturer’s warranty, you can save money by choosing a plan that only covers your home’s systems.

Pricing for home warranty plans typically depends on your choice of service fee, which is your out-of-pocket cost when filing a claim. Choosing a lower service fee increases the plan's cost. If you don't expect to make many claims, a higher service fee might save you money overall.

Here's a breakdown of the cost of First Premier Home Warranty and The Home Service Club plans based on the service fee you choose:

First Premier Home Warranty pricing

You cannot choose your service fee when you sign up with First Premier Home Warranty; you’ll always pay $75 when filing a claim with the company. However, you can get a discount for paying annually rather than monthly:

  • Premier plan: $649.99 per year
  • Platinum plan: $749.99 per year

The Home Service Club pricing

Service fees from The Home Service Club are $65, $95 or $125, depending on your preference. You can choose a higher service fee in exchange for a lower monthly cost, or vice versa. We were unable to get a quote for a lower service fee; the table below shows your monthly rate with a $125 service fee.

The Home Service Club also offers a discount when you pay annually rather than monthly:

  • Standard Coverage plan: $649.95 per year
  • Comprehensive Coverage plan: $799.95 per year

*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.

First Premier Home Warranty vs. The Home Service Club coverage

First Premier Home Warranty and The Home Service Club both offer a range of plans designed to protect your home's systems and appliances, but there are some notable differences in their coverage options.

First Premier Home Warranty offers two plans, both of which cover systems and appliances.

The Home Service Club offers two plans, each offering coverage for both systems and appliances in your home.

First Premier Home Warranty vs. The Home Service Club add-ons

First Premier Home Warranty and The Home Service Club also offer additional coverage options. These add-ons allow you to customize your home warranty coverage, ensuring that your plan includes protection for items that may not be included in the standard packages.

First Premier Home Warranty add-ons

You can get coverage for up to 19 add-ons in addition to First Premier Home Warranty’s base plans. Here’s the monthly pricing for the most popular add-ons:

The Home Service Club add-ons

The Home Service Club offers up to 16 add-ons. Here’s how much you’ll pay monthly for some of the most commonly selected items:

First Premier Home Warranty vs. The Home Service Club reviews and ratings

We looked at thousands of reviews from real home warranty customers. Here’s what home warranty shoppers care about most:

  • Technicians: Reviewers often mention the quality of a company’s in-network technicians. This typically relates to how quickly and adequately technicians identify and resolve issues with a home’s systems and appliances.
  • Customer service: Being able to reach a representative easily and resolve account issues efficiently are the hallmarks of good customer service. Customer service reviews also frequently mention how knowledgeable and polite the company’s representatives are.
  • Claims handling: Reviews about claims handling usually revolve around two things: speed and convenience. When customers complain about a poor claims process, it often relates to a slow response time for home repairs or a complicated system for submitting claims.
  • Coverage: Reviewers who discuss coverage typically mention how well a home warranty company honors its contract (in the reviewer’s opinion). A denied claim or an unsatisfactory coverage limit frustrates customers and leads to poor reviews.

Below we break down what percentage of First Premier Home Warranty and The Home Service Club customer reviews over the last year mentioning one these four important factors reflected a happy or satisfied customer. The closer a company is to a 100% satisfaction rate, the better it is in that area.

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