2-10 Home Buyers Warranty
Caption: 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty Review

2-10 Home Buyers Warranty provides home warranty policies for home systems and major appliances and new home structural warranties. Most of 2-10 HBW’s policies allow you to choose the repair contractor, and the company works with a network of over 6,000 independent contractors. 2-10 HBW covers over 5.5 million homes, offering sensible options for those who have determined they need a home warranty.

Pros
  • Some plans allow for choice of service provider
  • Company states they pay over 97.5% of claims
  • No waiting period, immediate coverage
  • Home Seller Plan with no upfront cost

Cons
  • In-network contractor availability may be limited in some areas
  • No prices for home warranty plans on site

Home Warranties from 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty offers four home warranty plans: one for contractors, two for homeowners, and one plan benefiting home sellers while their property is on the market. Each home warranty covers repair costs for heating, air conditioning, appliances, plumbing and electrical systems and components. 2-10 HBW warranty plans come with a guarantee and buy-down option to reduce service call fees. All home warranties have a per-visit fee for the service technician, but you only pay one service fee for a repeat repair with 2-10 HBW’s Even If Guarantee.

Most home warranties have a 30-day waiting period at the start of the contract with no coverage at that time. It’s a challenge to find the 2-10 HBW plan and contract documentation, but we managed to find their brochure, and there appears to be no waiting period. Seller’s coverage begins upon enrollment and buyer’s coverage begins at closing. Coverage for lease-option homes starts when payment is received.

home warranty

Source: Getty

As with all home warranties or service agreements, homeowners should understand that home warranties are not insurance and carefully read contracts to know what repairs the warranty pays for, excludes, and caps on covered repair costs.

2-10 Home Buyers Warranty Structural Plans

2-10 HBW Structural plans are for new construction or remodeling. Builders and remodelers buy structural warranties to include with homes or contract jobs as a selling point. Consumers interested in a structural warranty must have their builder contact 2-10 HBW to arrange coverage. Structural Plans offer coverage at three levels: one, two and ten years.

Standard Home Warranty from 2-10 Home Buyers Warranty

The 2-10 Home Buyers Warranty Standard Plan covers most major appliances and home system repairs, with coverage for a refrigerator ice maker which is often excluded from home warranties. Other coverage includes:

  • Heating and cooling
  • A variety of installed fans
  • Bathtub whirlpool motors and pumps
  • Kitchen appliances including trash compactor and garbage disposal

2-10 Home Buyers Warranty Supreme Coverage Plan

The Supreme Plan 2-10 Home Buyers Warranty sells adds a significant number of repairs to the Standard home warranty, and the annual fee isn’t much higher. Covered repairs include garage doors, washers and dryers, refrigerant recovery, self-cleaning ovens, assorted small repairs like handle and knob replacements, and much more. You also get coverage for fixing code violations and improper installation or repairs with the Supreme Plan.

2-10 Home Buyers Warranty Seller Plan

Particularly beneficial to those selling older homes, the 2-10 Home Buyers Warranty Seller Plan pays for repairs for up to 180 days while the house is on the market. Seller Plan coverage mirrors the Standard Plan:

  • Protects seller against the cost of unexpected home repairs
  • No payment required until closing
  • Warranty transfers to the buyer after closing

2-10 HBW’s Seller Plan coverage isn’t automatic when you list your home. Notify the company to start the warranty and then to transfer to the seller.

2-10 Home Buyers Warranty
Plans at a Glance
Plan Best For Advantages
Standard Budgeting for common repairs. Covers up to two HVAC systems, appliances with color match, plumbing and electrical.
Supreme Older homes and appliances. Adds more detailed coverage to Standard, including previous repair code violations.
Seller Home sellers and real estate agents. Adds value to sell home faster and financial stability for seller while home is marketed.
Structural Home builders and contractors. Reduces builder liability and covers customer for up to 10 years.

2-10 Home Buyers Warranty Costs

2-10 HBW’s Standard Plan runs $440 per year, and the Supreme warranty plan provides much more coverage at $540 annually. Both plans have a $100 service fee, and cap repair costs. You can “buy down” the service fee cost by paying a one-time fee of $50 which reduces the service fee to $75 per visit.

The optional add-ons range from $40 per year to cover an additional refrigerator or freezer to $345 for a saltwater pool or spa ($160 for freshwater).

The Seller Plan is the Standard home warranty with a delayed payment at closing, and we found no documented prices for the Structural plan.

2-10 Home Buyers Warranty Add-ons

Optional add-ons for the 2-10 HBW Standard and Supreme home warranties add specific coverage for one annual fee. A money-saving option that stands out is the Preseason HVAC Tuneup for $40. This includes annual heating and air conditioning inspections. If you have more than one of the same appliance, you can have both covered under your 2-10 Home Buyers Warranty plan by adding the additional units as an optional add-on. There are also add-ons covering repairs to septic systems, well pumps and more.

2-10 Home Buyers Warranty Guarantees

The Even If Service Fee Guarantee from 2-10 Home Buyers Warranty helps remove the concern created if you aren’t sure your 2-10 HBW plan covers the repair. The Even If guarantee has two advantages:

  • If you request service and 2-10 HBW dispatches a technician only to find the item isn’t covered, you can request a service fee refund.
  • You only pay a service fee once for repairs on the same issue if the initial fix did not work.

Each 2-10 Home Buyers Warranty offers a 30-day money back guarantee, although your cancellation is subject to a $25 processing fee.

2-10 home buyers warranty

Source: 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty Complaints

Online consumer reviews for 2-10 Home Buyers Warranty are mixed. The company maintains accreditation and an “A” rating with the Better Business Bureau. Overall, many BBB reviews revolve around not understanding the service contract coverage or problems with contractors. 2-10 Home Buyers Warranty has a good record with the BBB for responding to and resolving complaints quickly.

We found mixed reviews on other sites such as HomeWarrantyReviews and ConsumerAffairs. Positive reviews usually note satisfactory service from both contractors and 2-10 Home Buyers Warranty. Most of the complaints center around wanting immediate dispatch of service, preferring another contractor or a lack of local contractors. 2-10 HBW service plans allowed out-of-network service in most of these cases, so some low reviews are from customers reacting before they had all the information. 2-10 Home Buyers Warranty appeared committed to addressing the concerns of the reviewers.

2-10 Home Buyers Warranty Q&A

  • Can I choose the contractor who will make repairs with a 2-10 Home Buyers Warranty plan?
    Some 2-10 Home Buyers Warranty home service agreements come with the option to choose the repair contractor. However, if the repair technician is not in the 2-10 HBW contractor network, you need to ensure the contractor’s company is willing to work within the parameters of your home warranty. The contractor will need to call 2-10 HBW to get the specifics, and a 2-10 HBW customer service representative can help you determine if choosing a contractor yourself is in your best interest.

  • Does 2-10 Home Buyers Warranty offer emergency service repairs?
    2-10 Home Buyers Warranty expedites emergency service with a goal (but not guarantee) of having a technician at your door within 24 hours. Emergencies include loss of utilities like heat or water, threat to life or health of occupants, or when further damage will occur without attending to the issue quickly.

  • What are the caps on service costs with a 2-10 Home Buyers Warranty home warranty?
    All home warranty or service agreement plans have coverage caps which vary by system. Caps are outlined in service agreement contracts from 2-10 Home Buyers Warranty so you can learn the amounts before you sign up. For example, a well pump has a $500 limit and water softeners a $1,000 limit for repair costs.

  • Is a home inspection required to purchase a 2-10 Home Buyers Warranty service agreement?
    No. 2-10 Home Buyers Warranty does not require an inspection.

  • What isn’t covered by a 2-10 Home Buyers Warranty service agreement?
    Normal wear and tear, intentional damage, items covered by homeowners insurance and manufacturer defects are not included in a 2-10 HBW home warranty. There is no coverage for repairs needed due to lack of proper maintenance.

Conclusion

Annual estimates for property maintenance and repair costs amount to up to one percent of the property’s value. Add that expense to closing costs and the financial strain can especially be a problem for new homeowners. By offering plans tailored for home builders, sellers and buyers, 2-10 Home Buyers Warranty removes much of the concern associated with buying, building or selling a home.

2-10 Home Warranty Reviews

Recent Reviews

March 09 2020 4:17AM

Horrible experience. All they want is your money to deny all your claims. I refuse to keep this policy! I called explained to CSR the issue with microwave door to have them schedule technician to come tell me the same thing I told them for 75.00 deductible to later deny claim. I asked them was over the range microwave was covered and they said yes, to later tell me everything but the door handle. Smh. Crooks.

Tangee C.
Columbia, SC
February 21 2020 7:38PM

Great at collecting premiums. Terrible service contractors unless you can wait forever. The bottom line is their reimbursement rate to providers is so bad they will never give prompt service. They will put full pay customers ahead all the time. I had to go out of network for an AC repair because my house was over 90 degrees and their contracted service couldn't get there for 5 days.

Really??? So I paid another company $400 for the same day repair. 2-10 reimbursed $36 dollars. Crazy. I used to like the warranties, but they all seem to be a fraud. I'd recommend talking with the repair techs to see what they think about working for the warranty companies and I think they will all tell you they avoid taking the claims.

Joanne E.
Jacksonville, FL
February 17 2020 2:51PM

Since purchasing our home two years ago we've had a few claims. First, our furnace went out. The process was relatively smooth and within a few days the repairman showed up and it was fixed.

The second claim was the following summer when the A/C unit went out. 2-10 didn't have a service pro in the area so we had to call our own. While they did end up replacing the process took several weeks. The price quoted by the contractor we called was higher than 2-10 wanted to pay. I can understand that, but it's not our fault they don't have a contractor in the area.

The big issue was the numerous calls that it took and conflicting information we received the entire time. I called almost every day to get updates and one person would tell me they were waiting on the Purchasing department, the next day they had to reach out to the contractor and would be calling them. I talk with the contractor, no calls. Then finally once 2-10 has everything they need they promise me a call back. Never happens.

They absolutely NEVER call back or call when they say they will. If they give you a deadline or a 3-5 days, or anything of the sort YOU HAVE to keep calling them. They finally issued me a check for the quote given by the contractor and told me that I was on the hook if it was more. Thankfully, the contractor quote was exactly the final amount with no overages.

Finally, the third issue, and most frustrating, we've had is with our refrigerator/freezer. The issue was first reported in June of 2019. The ice maker quit working and there was excessive ice buildup in the freezer. I write this review as of February 17, 2020. The issues are still not fixed. A contractor came out in June and replaced the ice maker several times, sealed the line and added Freon. Nothing worked. Apparently it was reported as fixed. It never was.

I reported it again November of 2019 (and had to pay another $100 deductible even though it was not actually fixed the first time). I call once or twice a week going back months. All I get is the run around. They are waiting on the contractor. They are waiting on the purchasing department. They sent an email to the contractor. Contractor never gets it. They are waiting on a part. The part arrives to the contractor but it's no good to have an ice maker if the freezer doesn't work.

I can't even remember all the issues/excuses, but the one thing that is clear, again, through this process is that 2-10 absolutely NEVER calls back with updates when they say they will. It's always the contractors fault or the company they are purchasing parts from or someone else. I cannot recommend 2-10 for a home warranty. The people in customer service are friendly, no complaints on that end, but there is a flaw in their system somewhere.

Nathaniel S.
Bowling Green, OH
February 09 2020 10:39PM

I would not recommend 2-10 to anyone, not even my worse enemy. It seems like 2-10 is only interested in collecting your premiums. When the time comes for them to actually put some money out, then they try to come up with all sorts of ways or excuses to deny your claim. I would have given them a one-star if I could. I have purchased a brand new home which the Builder happened to use 2-10 for the home warranty services. We have decided to keep them after closing on the home. We must admit that they started out pretty good as they did get our heater fixed a couple of times when they went out. However, it seems like they quite don't take it well when a Homeowner submits what they consider too many claims.

When our microwave oven has suddenly stopped working, we have called 2-10 to submit a claim. Since we were also having some minor issues with our dishwasher and since one of our refrigerator's vegetables tray has been broken, we have decided to include those as well with the microwave oven claim so we didn't have to pay a separate $75 deductible for three separate visits. The Technician declared that the microwave oven was not installed properly and claimed that was the cause for that appliance's failure. After he left, we've spent several days waiting on 2-10 to send a Technician back to make the repairs. Imagine spending all that time without a microwave oven to warm up your food.

When we contacted 2-10, one of their so-called managers got testy with us and has decided to decline all three of our claims, I guess just because he felt he had the power to do so. 2-10's rationale for denying the claims did not make any sense. We do not control any poor workmanship by the Builder. The house has been inspected before we purchased it and has passed all inspections. 2-10 has accepted to cover our appliances with all the so-called poor workmanship and has had no issues taking our premium money up to that point.

The microwave has been in service for over four years before failing. We think that 2-10 has purposely decided to deny our claims because some unprofessional worker got his little feelings hurt and also because they feel our policy may be costing them too much money.

I would not recommend this company to anyone. I am in the processing of canceling my policy in favor of a different company and I have been able to convince two of my neighbors to switch to a different company as well. I will continue to campaign against these scammers as much as I can. I may not be able to do enough to run them out of business, but I will certainly do my best to keep others from having to deal with what I had to deal with.

Jeanq P.
Stafford, VT
January 07 2020 4:26PM

Refrigerator (2 years old) went out and wouldn't hold refrigerant. 2-10 Warranty only authorized a cheap Lowe's refrigerator as a replacement, but couldn't get it shipped. We were without a refrigerator for over a month and each time we called we were insulted, hung up on and basically told to go away. This company is a scam and should not be allowed to do business. They have found and employ the rudest, most insulting employees on the phone.

James G.
Texarkana, TX
December 09 2019 8:23PM

DO NOT use 2-10. I am cancelling our policy with them and trying to find a new provider. Our heater was out. It's been 30 degrees here and they took 10 days to fix it. I had to actually pay for a new furnace as they said they couldn't find parts for my previous furnace. Ended costing me $1600.

Whenever I called, I had to wait for 1, yes, 1 actual hour before someone would come on. And when they finally got on, they kept saying "we're sorry but can't do anything about it". Their communications is HORRIBLE. They don't communicate among themselves either. BAD COMPANY. They just want to collect your premiums and do the most they can to not fix your problems. RUN FROM THEM.

Michelle L.
Annandale, WV
November 07 2019 3:26PM

My sister bought a house in my development that had a 2-10 Warranty purchased navy the seller. She moved into the house in August and has been WITHOUT air conditioning (and now heat) since she moved in. It took weeks for the contractor to get approval, additional time because the contractor was told that 2-10 was buying the part and 2-10 said the contractor would, more time once the discontinued part was ordered from the manufacturer, and today, the contractor said the wrong part was ordered.

She now has to wait ... who knows how long ... to get the problem resolved. Run as fast as you can from this company. I’ve had AHS for 8 years and never went through something like this.

Debra S.
Myrtle Beach, SC
November 03 2019 8:34PM

The warranty company has been great. The first contractor they sent out for gas leak was amazing. The second was electrical issue. Orlando ** tried to sell us things that were not covered and told us our house would burn down. Had two other electricians come out. He lied. Will never use Orlando ** electrical again. Beware.

Frances F.
Acworth, GA
October 16 2019 5:00PM

We were given a 2-10 home warranty when we purchased our new home. We made a claim on our furnace system and 2-10 denied our claim due to the problem being a "pre-existing condition." I spoke with a representative who informed me that the contractor had stated that this "100% a pre-existing condition and had to have been broke for quite sometime."

After this phone call the contractor actually called me to see what 2-10 had said. When I told him what they said, he stated that he told them that in his professional opinion this was not a pre-existing condition and he never told them that it was. I called 2-10 back and confronted them about lying to me. This representative then admitted to me that the contractor reported that this was not a pre-existing condition and that we needed to move forward with the claim.

When I spoke with a supervisor she also stated that the contractor did report that it was not a pre-existing condition, but that they reserve the right to deny any claim. 2-10 will pull any dirty trick to keep from performing the services they claim they cover. They are a scam and you should stay away.

Ryan M.
CARLISLE, OH
October 04 2019 5:27PM

I have had them since July 2019. I paid extra for roofing. They have no one in my area. So I have to pay out of pocket. My refrigerator went out 8 days ago. They are making up excuses on why their funding dept hasn't helped me. Now I have to wait four more days before I get any help. That means we will be without a refrigerator for what 12 or 13 days. I am so done with this. No help what so ever!!!! I would never recommend anyone to them.

Christina H.
Springfield, OH
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