2-10 Home Buyers Warranty Review (2024)

2-10 Home Buyers Warranty stands out among top home warranty providers thanks to its unique plan-length workmanship guarantee—compared to the industry standard of 30 days. This means that if a covered item breaks down during your plan’s term, 2-10 will repair or replace it without additional labor costs, offering dependable, long-term peace of mind. 

The company also offers customizable options, including add-on coverage for secondary appliances such as extra refrigerators and freezers, and upgrades to increase coverage limits up to $5,000 for major systems and appliances. If you’re looking for a warranty with flexible options and a focus on durable, reliable coverage, 2-10 could offer a good fit.

2-10 Home Warranty

4.1

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Pros

• Includes a plan-length workmanship warranty for repairs
• Offers three service call fee options to suit different budgets
• Provides add-ons for multiple appliance coverage and incarcerated coverage caps

Cons

• Adds a 9.5% processing fee for monthly plans
• Doesn’t offer laundry appliance coverage with every plan
• Has a smaller technician network, according to some online reviews

• Monthly cost: $27–$70
• Service fee: $65–$100
• Better Business Bureau (BBB) rating: A
• State availability: 48 (not available in Alaska or Hawaii)
• Plan options: Three (Simply Kitchen, Complete Home, and Pinnacle Home)

• Simply Kitchen ($27–$36 per month): Covers six kitchen appliances, including refrigerators, ovens, and dishwashers
• Complete Home ($47–$56 per month): Covers six kitchen appliances and four major home systems, including heating and plumbing
• Pinnacle Home ($61–$70 per month): Covers six kitchen appliances, four home systems, and laundry appliances

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Our Take on 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty offers homeowners extensive coverage for key system and appliance repairs. Its standout feature is a plan-length workmanship guarantee, which covers repairs and replacements throughout the duration of the contract, offering long-term protection against breakdowns.

The company also provides strong appliance-focused coverage, including add-ons for secondary appliances. Additionally, 2-10 offers unique upgrades, such as extended coverage for hardware and nonessential items, along with coverage limit increases, which is the maximum amount the company will pay for covered items.

However, some of 2-10’s coverage caps fall below the industry standard of $2,000, and the company excludes washers and dryers from two of its plans. The company also charges a processing fee on monthly plans, which is not commonly found with other providers.

In customer reviews, we found that many homeowners appreciated 2-10’s affordable pricing, quick technician dispatch, and customizable plans. However, others reported poor customer service, repair delays, and lower-than-expected payouts.

Despite these limitations, 2-10 offers a solid choice for homeowners seeking extended repair protection and flexible appliance coverage options.

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2-10 Home Buyers Warranty Coverage

2-10 Home Buyers Warranty offers one appliance-only plan and two appliance and system plans for more comprehensive protection. The company also offers 23 add-on options plus exclusive membership benefits not found with other providers. We’ll break down 2-10’s coverage plans below.

Core Plans

2-10 Home Buyers Warranty offers three plan options for homeowners: Simply Kitchen, Complete Home, and Pinnacle Home.

Simply Kitchen

Simply Kitchen protects six key appliances, including built-in microwaves, cooktops, dishwashers, ovens, ranges, and refrigerators. Coverage limits range from $500–$2,000, with the exact amount depending on the appliance. 

Complete Home

The Complete Home plan includes the six kitchen appliances from the Simply Kitchen plan, along with four major home systems. These systems include heating, cooling, plumbing, and electrical components. While electrical system items have a standard coverage cap of $2,000, plan limits for other systems range between $300 and $2,000. Notably, the company caps essential items such as heat pumps and air conditioners at $2,000, reflecting the industry standard for such critical home components.

Pinnacle Home

The highest plan tier, Pinnacle Home, includes all items covered under the Simply Kitchen and Complete Home plans and expands coverage to include washers and dryers, each capped at $1,000. Unlike other providers that include laundry appliances in several standard plans, 2-10 only offers this type of coverage with its Pinnacle Home option. Note that these limits are lower than those offered by other providers, such as American Home Shield, which offers $2,000–$4,000 depending on the plan.

The Pinnacle Home plan also includes the Supreme upgrade, which adds coverage for hardware and nonessential items, such as appliance racks, knobs, and handles. It also includes filters, cooling crane costs, refrigerant recovery, and plumbing faucet components. This upgrade is notable since it includes items often excluded from standard plans.

Covered Items by Plan

Add-On Coverage

2-10 Home Buyers Warranty offers 23 plan add-ons to customize your plan. Some unique options include preseason HVAC tune-ups and pool coverage for freshwater and saltwater installations. Plus, you can add coverage for an additional cooling system with the HVAC Surplus add-on. The company also stands out for its large selection of home appliance coverage for secondary items, such as additional refrigerators or freezers. Based on our 2024 survey of 1,000 home warranty plan holders, 41% purchased additional appliance coverage for secondary items.

If you’re looking for higher coverage caps, 2-10 offers a Luxury Package, which raises the limits for appliances, heating, cooling, plumbing, and electrical systems to $5,000 each. In addition, customers can add the Supreme upgrade to the Simply Kitchen and Complete Home plans for additional component coverage for the above-mentioned items.

Outside of the Luxury Package, the coverage limits for add-ons vary from $500–$2,000—slightly below the maximum limits offered by some competitors.

Below is a list of the available 2-10 Home Buyers Warranty add-ons:

Add-On Option	Coverage Details	Coverage Limit
Additional refrigeration	One additional refrigerator, built-in wine cooler, freestanding freezer, or wet bar refrigerator	$500
Extended pipe leak	External pipe leaks, exterior hose bibbs, and main shut off valve outside of the home’s foundation	$1,000
Garage door opener	All parts and components for two units	$500
HVAC surplus	One additional heating and cooling unit	$1,500–$2,000
Luxury Package	Increases aggregate coverage limits for appliances, heating, cooling, plumbing, and electrical systems	$5,000
Plumbing and electrical	Pipe leaks or breaks, water heaters, toilets, drain line stoppages, primary sump pumps, pressure regulators, valves, electrical wiring, switches, outlets, panels, doorbell system	$300–$2,000
Pool/spa equipment	Freshwater pool, saltwater pool, and eligible spa, exterior hot tub, or whirlpool	$1,000
Preseason HVAC tune-up	Two HVAC systems	$2,000
Roof leak	Normal wear and tear on a home’s roof	$1,000
Septic system	Septic tank, including ejector pump and septic line	$500
Supreme upgrade	Additional appliance, heating, cooling, plumbing, and electrical components	$300–$2,000
Washer and dryer	Most components (excludes elements such as filters, hardware, soap dispensers, and technology)	$1,000
Water softener	All components	$1,000
Well pump	All components for primary dwellings only	$500

Workmanship Guarantee and Exclusive Benefits

2-10 Home Buyers Warranty has some standout perks, such as an unlimited workmanship guarantee. This means that, if a repair doesn’t work, 2-10 will fix the system or appliance again at no extra cost for as long as your plan remains active. It also offers an “Even If Service Fee Guarantee,” which refunds your fee if a claim isn’t covered and ensures you won’t pay additional fees for previously serviced components during the same term.

For appliance replacements, the company’s Appliance Color Match policy prioritizes blending new appliances with your kitchen’s design and existing appliances, focusing on both functionality and aesthetics. 2-10 also makes replacing appliances easier with its Appliance Replacement Offer, which provides up to $150 in reimbursements if you purchase and install an appliance on your own. On top of that, the Appliance Discount Program offers savings on GE and Whirlpool appliances throughout the plan year, which can offer benefits if you’re looking to upgrade your home.

The Fine Print

2-10 Home Buyers Warranty has some limitations on its coverage, similar to other providers.  Below, we’ve highlighted notable exclusions we found after reading the sample contract.

Liability Limitations

2-10 excludes coverage for failures not caused by normal wear and tear, including neglect, misuse, missing parts, improper maintenance, environmental factors such as flooding or storms, or external forces such as pests or animals. The company also does not cover commercial-grade or pro-style items and HVAC units exceeding 5 tons in capacity.

In addition, your home warranty coverage is secondary to any other insurance, manufacturer warranties, or labor warranties. This means 2-10 will only cover expenses that exceed, or aren’t included, in these other forms of coverage.

Specific Item Exclusions

Specific exclusions apply to each covered item under a 2-10 Home Buyers Warranty plan. For example, standard appliance coverage does not include items such as: 

• Commercial-grade or professional-grade items 
• Cosmetic issues that don’t impact functionality
• Duplicate appliances
• Items outside the primary kitchen
• Portable appliances

However, you can purchase additional coverage for some of these excluded items, including for additional appliances or washers and dryers. We recommend carefully reviewing the coverage details for each item in your plan to ensure you understand what is and isn’t protected.

Aggregate Limits

2-10 Home Buyers Warranty has an annual $25,000 aggregate limit for claims in addition to individual limits for each covered item. Once the total cost of covered repairs or replacements within a plan period reaches the aggregate amount, homeowners must cover any additional expenses out of pocket. For example, if you need a washer repair that costs $500, that amount would count towards your plan’s individual $1,000 limit and overall $25,000 aggregate limit. It’s important to factor this limit into your plan decision, especially if you anticipate high repair costs during the year.

The aggregate limit applies not only to the baseline coverage, but also to certain add-ons. For example, the company’s sample contract specifies that the $25,000 limit applies for the Luxury Package and the preseason HVAC tune-up options. This means that once the total cost of claims reaches $25,000 within your contract term, 2-10  may not cover additional claims unless the aggregate limit resets with policy renewal.

Choosing Your Own Contractor

If you choose to use your own contractor, 2-10 Home Buyers Warranty requires you to follow its approval process carefully to avoid claim denial. This includes submitting a detailed diagnosis and estimate, obtaining prior authorization, and adhering to any specific instructions provided by the company. Failing to follow these steps can result in your claim being denied, leaving you solely responsible for all costs associated with the work, even for items the company would otherwise cover.

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2-10 Home Buyers Warranty Cost

The cost of 2-10 Home Buyers Warranty coverage depends on your chosen plan, add-ons, and service call fee. Below, we’ll break down the typical costs associated with 2-10’s home warranty plans to help you understand what to expect.

Plan Cost

2-10 Home Buyers Warranty generally costs between $27–$70 per month, based on a sample quote we pulled for a 2,143-square-foot, single-family home in Santa Fe, New Mexico. The Simply Kitchen plan is the most affordable, typically ranging from $27–$36, while the more comprehensive Complete Home plan typically costs between $47–$56. The highest-tier Pinnacle Home plan, which provides the most robust coverage, typically ranges from $61–$70.

You can opt for either monthly or annual payments, though we found that 2-10 charges a 9.5% processing fee for monthly payments. While this fee is relatively small, it can add up over a 12-month period. For example, if you’re on a $50-per-month plan, this fee would amount to $57 annually. This processing fee is not applied when paying annually.

Service Call Fees

Home warranty costs vary by plan and location, and service call fees also play a significant role in your total costs. 2-10 gives you the option to choose between three service call fees: $65, $85, or $100. The company offers a Service Fee Buy Down option that allows you to lower your fee from $85 to $65 for an additional $6 per month. Alternatively, the Service Fee Save Up option lets you increase your fee to $100, saving you $3 per month. This flexibility lets you adjust your plan to suit your budget and preferences.

2-10 Home Buyers Warranty Monthly Plan Cost by Service Call Fee

The table below shows 2-10’s plan pricing based on its service call fees. We based the pricing information in this section and the following sections on the same home mentioned above  in Santa Fe, New Mexico.

Service Call Fee	Simply Kitchen Monthly Cost	Complete Home Monthly Cost	Pinnacle Home Monthly Cost
$65	$36	$56	$70
$85	$30	$50	$64
$100	$27	$47	$61

Add-On Costs

Add-on costs depend on the service selected, but fees typically range between $3–$30 per month. Secondary appliance coverage increases by $3 for each additional unit. For instance, adding a second refrigerator costs $5 per month, while a third refrigerator rises to $8. Features that expand coverage, such as septic system protection or Luxury Package upgrades, typically add $10–$15 per month. Roof leak coverage, a popular add-on feature, costs $8 per month. To keep your plan cost-effective, we recommend prioritizing add-ons that address your household’s most critical needs.

2-10 Home Buyers Warranty Add-On Fees

Plan Discounts

2-10 Home Buyers Warranty provides several discount opportunities to make plans more affordable. Seasonal promotions, such as Black Friday and Cyber Monday deals, offer timely savings for new customers. Additionally, the Refer-a-Friend Rewards Program offers both the referrer and the referred friend with a $100 Amazon gift card, which is issued 30 days after a new customer enrolls in services.

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Our Experience With 2-10 Home Buyers Warranty

One of our team members recently signed up for a 2-10 Home Buyers Warranty as a part of a new home purchase. We spoke with her about her experience with the sign-up process and how it fit into her homeownership journey. Below, we’ll provide key details on the sign-up process and how to file a claim with the company, based on our team member’s experience.

Signing Up

You can begin your sign-up process by calling 2-10’s sales department or using its online quote tool. The latter is easy to complete in just a few minutes.

1. Choose Your Plan

To use the company’s quote tool, simply provide your name, email, home address, and phone number. After entering this information, you should see three plan options and detailed coverage information. The company will apply any applicable discounts automatically, and you can manually add promo codes during the next steps.

2. Select Your Add-Ons and Service Call Fees

Once you’ve selected your plan, you can customize your coverage with optional add-ons. At the top of our quote, 2-10 suggested adding the Luxury Package and extended HVAC and garage door opener coverage based on what its other customers frequently selected. You can also select your service call fee on this screen.

The website allows you to toggle between monthly and annual payment options. Any changes you make to add-ons or service fees should update in real-time, providing a clear view of your expected costs. You will also have another opportunity to add promo codes.

3. Make Your Payment and Checkout

The final step lets you pay via credit card. While some providers offer alternative payment methods such as paying through PayPal or a checking account, 2-10 only accepts credit cards. The payment screen also highlights a 9.5% processing fee if you select the monthly payment option.

Additionally, 2-10 offers a $5-per-month discount if you sign up for automatic renewal. After completing your payment, you’ll receive a confirmation with your plan start date, which is typically 30 days from when you sign up.

Filing Claims

If your system or appliance needs repairs, 2-10 makes it simple to file a claim through its phone line at 800-775-4736 or through its online Homeowner portal. Our team member who tested a 2-10 plan offered the following insights into the online claims process.

1. Start Your Service Request

Log in to the online portal on the 2-10 website with your username and password. From there, select the “Service Requests” tab at the top of the page and choose “New Service Request.”

2. Select the Issue

Next, you can enter your service request. You can choose the broken item using the search field or selecting the appropriate category. In the example below, our tester has a builder’s warranty, meaning she has coverage for constructed items in her new home. Our tester noted that when you select an item category, the online portal will detail your included coverage.

3. Enter Your Item Issue and Submit

Once you’ve chosen the item, you can enter a description of the issue. Next, select the “Add Item” button. Note that you can add multiple service requests at a time, with each one appearing as a separate line item in your repair request. 

When finished with your service request, select “Submit Request” to finish the process.

4. Wait for Approval and Technician Assignment

Once you submit your request, you should receive a confirmation and a work order number. 2-10 will review your submission and assign a technician to your repair within 48 hours. In cases deemed emergencies, the company will prioritize technician assignments, and a contractor should contact you within 24 hours. Emergencies include a total loss of electricity, gas, water, or toilet facilities, ongoing physical damage to the home, or conditions that immediately endanger health and safety.

Customers must pay service call fees directly to the service technician at the time of the appointment. Note that customers may incur overtime charges or additional fees for non-emergency repairs that they request to be scheduled outside of regular business hours.

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Advice From a Homeowner

While some homeowners choose a 2-10 Home Buyers Warranty for existing homes, some new homeowners may find coverage included with their property purchase. This is particularly common in transactions where the company partners with home builders and sellers to offer warranty plans tailored to the sale process. In our 2024 home warranty survey, we learned that nearly 32% of surveyed homeowners received their warranty as a part of a new home purchase.

For Samantha S., this was the case when she purchased her new home. Since 2-10 was in-network with her builder, she was able to purchase a home warranty to cover workmanship and structural coverages.

“The sign-up experience was relatively easy,” Samantha said. “I was able to register from the pamphlet I was given at closing.”

Despite the ease of signing up, Samantha encountered some challenges with understanding the coverage details.

“I don’t quite understand all that is covered, even though they sent a booklet,” she said. “It’s somewhat vague.”

Additionally, while she found the company’s website functional, it felt overwhelming for a first-time warranty user, describing it as “adequate but somewhat confusing.” 

Receiving a warranty with a new home can offer a valuable benefit, but it’s important to thoroughly review the terms and coverage. We recommend clarifying any vague or confusing terms with a 2-10 customer service representative before signing up. Most importantly, take time to understand coverage limits, exclusions, and any associated fees, as this will help you maximize your plan’s value and avoid unexpected surprises when filling claims.

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Customer Reviews: Reddit, Trustpilot, and More

To gain insights into 2-10 Home Warranty’s customer service and business practices, we examined reviews from third-party sites such as the Better Business Bureau (BBB), Reddit, and Trustpilot. This helped us better understand the company’s overall reputation, how it handles claims, and general customer satisfaction.

We noticed that 2-10 has limited positive reviews on these sites, mostly from 2023 or later. Based on these reviews, we learned that many customers were longtime users, some for 10 years or longer. Many reviewers praised the company for its prompt technician dispatching and affordable pricing.

However, many customers also reported poor customer service, long delays, and a lack of communication, with some waiting weeks for repairs or replacements. Some reviewers noted that 2-10 Home Buyers Warranty had difficulty finding an in-network technician in certain areas, leading to homeowners finding their own technicians. Others said they received significantly lower payouts for replacements compared to the claim limits stated in their contracts.

Below are some reviews we selected from Reddit for 2-10 Home Buyers Warranty:

“I have had my entire HVAC, dishwasher, and fridge replaced by [2-10 Home Buyers Warranty]. Pretty good so far over the past 3 years. The HVAC [cost] me $1,200 out of pocket, but [it’s] a [2-ton] unit, and [2-10] also replaced all my interior ducts and the inside unit.” —Camrism via Reddit on Feb. 26, 2024

“We have used 2-10 Home Warranty for at least 20 years! [The company] will never replace a covered item under warranty. [It] will only repair and partially fix [it] so that the item will work for a few more months until it again breaks. Even technicians joke they have never seen any appliances replaced, just ‘patch and get it working as best you can’ is their directive. [The company] assured us that parts were ordered upon the last service and we would receive them soon. Then, no parts were ever received and our contract was subsequently canceled.” —EmptyAd635 via Reddit on July 29, 2024

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Comparing 2-10 Home Buyers Warranty to Other Top Providers

2-10 Home Buyers Warranty offers affordable monthly plans and competitive service call fees, with an A rating from the BBB. One competing company, American Home Shield, has the highest customer rating of 4.8 out of 5 stars, though its service fees are on the higher end. Comparatively, Choice Home Warranty provides lower-priced plans but charges a similar service fee, making it a more budget-friendly choice. Elite Home Warranty and First American strike a good balance in terms of pricing, with Elite standing out for its lower service fees, though First American’s fees are on the higher end.

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Provider	Logo	Our Rating (Out of 5)	Monthly Plan Cost	Service Fee Cost	BBB Rating	Link
2-10 Home WarrantyGet Quote		4.1/5	$27–$70	$65–$100	A	Get Quote
American Home ShieldGet Quote		4.8/5	$49–$109	$100–$125	B	Get Quote
Choice Home WarrantyGet Quote		4.7/5	$46–$55	$100	B	Get Quote
Elite Home WarrantyGet Quote		4.6/5	$44–$59	$70	B+	Get Quote
First American Home WarrantyGet Quote		4.6/5	$47–$87	$75–$125	B	Get Quote

*BBB ratings are accurate as of December 2024

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Is 2-10 Home Buyers Warranty Worth It?

2-10 Home Buyers Warranty is worth considering if you’re looking for a reliable and customizable home warranty plan, especially if you need extensive coverage for secondary appliances. The company also offers an unlimited workmanship guarantee that provides protection against recurring repairs. The ability to customize coverage with add-ons such as pool coverage or HVAC tune-ups makes it a flexible option for homeowners with specialized needs.

While some homeowners have reported delays in repairs and limited technician availability, 2-10 provides flexibility by allowing you to use your own technicians in certain cases. However, if you require higher baseline coverage or more comprehensive options without add-ons, you might benefit from exploring other providers.

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Frequently Asked Questions About 2-10 Home Buyers Warranty

Does 2-10 Home Buyers Warranty cover preexisting conditions?

No, 2-10 Home Buyers Warranty does not cover preexisting conditions, meaning any issues that existed before you enrolled in the plan. This includes problems caused by physical damage, improper installation, or modifications made to covered items.

What Does 2-10 Home Buyers Warranty typically cover?

2-10 Home Buyers Warranty typically covers essential household items such as plumbing, electrical, HVAC systems, and appliances that break down due to normal wear and tear. It also offers optional add-ons for pool equipment, additional appliances, and other specialized items not included in standard coverage.

How long does a 2-10 Home Buyers Warranty plan last?

2-10 Home Buyers Warranty offers plans that last for one year, but homeowners have the option to renew their coverage for continued protection.

What company owns 2-10 Home Buyers Warranty?

2-10 Home Buyers Warranty is owned by 2-10 HBW, a privately held company that has been providing home warranty services since 1980. The company is based in Denver, Colorado.

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How We Evaluated Home Warranty Providers

We use a detailed rating methodology to objectively score each home warranty company we review. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and running focus groups and homeowner surveys. 

We use this information to score each provider in six comparison categories that we think are the most important when choosing a home warranty. We rate each provider across 23 factors within those categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

• Coverage (35%): This category looked at how comprehensive each provider’s coverage was, including whether it covered unique items. Companies that covered the most items and had higher annual limits received the highest scores. We docked points from providers that impose long waiting periods or had depreciation policies that decrease your payouts for aging items.
• Cost (20%): We looked at average monthly prices and service call fees. We gave the most points to companies that offer pricing at or below the industry averages and don’t impose any surcharges or extra fees.
• Trustworthiness (15%): To gauge reputation and reliability, we reviewed customer ratings across sites such as the BBB and Trustpilot as well as companies’ responses to complaints. We also checked for National Home Service Contract Association (NHSCA) membership. Providers with the highest ratings and longest workmanship guarantees received higher scores. We deduced points for any ongoing legal issues.

• Plan transparency (10%): We read terms, policies, and disclosures in provided contracts and on each company’s website. Providers with transparent contract details and policies received more points.
• Customer support (10%): Companies with multiple claims filing options, fast response times, and accessible customer support scored well in this category.
• Flexibility (10%): We awarded more points for providers offering more plan options, larger add-on catalogs, the ability to choose your own technician, and customer-friendly cancellation policies.

To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.