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.

  • 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

  • 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.


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

August 06 2019 5:00PM

I rarely go out of my way to give a bad review but DO NOT USE THIS COMPANY. I’m not going to go into the whole story, out a/c went out in May- it is now August- we spent $75 for their guy to came out (did not seem to have any knowledge and had terrible reviews online) so spent $100 for a second guy to come out for a second opinion. 2-10 said they will cover $140 of the $800 estimate that we were given. We got this answer after probably 4-6 hours on the phone with their customer service representatives. If this sounds fun to you, hire them. I would save the money and the headache.

Haley R.
July 30 2019 3:50PM

I don't like seeing this place with a 4 1/2 star review. Especially for a Retirement Living page. I have been without AC for a month, since I requested service. They have even escalated my ticket to "high priority". From which they have called me multiple times, which I do appreciate, yet each time their excuse is "we can't get ahold of our contractors". So they still don't have a date as to when they will even have my parts order to fix my AC unit. Don't pay for this "service". If there was a 0 star rating, I would have used that instead.

Anthony T.
Broomfiled, CO
July 20 2019 10:09PM

This 2-10 warranty is a joke! I wish I have the possibility to give 0 star. Had a contract with them and Called them for my refrigerator that was having some issues. After the agent spent like 39 minutes trying to figure out what was wrong I was told I wasn’t covered because this was a secondary refrigerator. Why trying to diagnostic the issue if you knew I wasn’t covered for it. Now they asked me to pay the service fee of $89. Wasn’t never told I wouldn’t be covered for a “secondary“ appliances. I have service one on my others houses and very satisfied with the service I thought I was going to give a chance to this one but definitely closed my contract with them!!! NEVER NEVER WITH THEM.

Brice T.
Omaha, NE
July 19 2019 10:06PM

As a realtor, I have bad experience with 2-10. Case one: Seller bought 2-10 for my client buyer at COE. After two weeks my client moved in the house, the washer started leaking. Before closing escrow buyer's home inspector checked the dishwasher, there was no indication of leaking. Then buyer called 2-10, a plumber came in and reported to 2-10 and said the leaking was cause by the existing problem and refused to fix. Case two: My client bought a house two years ago and have had 2-10 HW for 2 years. 2-10 refused to fix the heating/cooling system after my client has paid two year home warranty. The inspector said that the unit was install improperly. So they refused to fix it. I really feel sorry for my clients. I will no recommend 2-10 to my client anymore.

Ellen Z.
Tucson, AZ
July 17 2019 2:59PM

I paid for years for their most expensive plan. A major pipe broke in the basement and I had no water in the home. It took 30 minutes for them to answer, their demeanor and tone was as if they are doing you a favor, less than mediocre customer service. They gave me a contractor that does not service my area, he said they knew he does not service my area. They acted like I should be glad they were trying to find a contractor. You pay to have support when in need of repair, especially an emergency. Do not waste your money, I would give them less than one star.

Alma G.
Ewing, NJ
July 12 2019 3:28PM

UNBELIEVABLE in the worst possible way! Supervisor worse than employee as far as customer service - nothing resolved a just a disgruntled ex-customer. Shame Shame Shame please feel free to contact me for further details.

Layla S.
22101, WV
July 09 2019 10:51PM

Do you want to spend money on a home warranty that just does not work. Or how would you love the have your AC broken and needed to be fixed. You would just love to wait 25+ minutes for customer service. If you do not like any of these things I HIGHLY recommend not purchasing this home warranty. Waiting 2 weeks for an AC to be replaced. No one knowing when it will be replaced. 90 degree weather for several days in a row. Not fun, spend the money on another company.

Jessica K.
West Bloomfield, MI
July 05 2019 9:26PM

Do not buy this warranty it is a joke. AC goes down on 4th of July weekend and had to get a guy out to get some air going. A new blower motor and a coolant charge - NOT COVERED! The "You'll Be Happy most trusted warranty!" Save your money.

Dan D.
Hellertown, PA
June 30 2019 7:50PM

Late on a Saturday morning, we started to smell a strong electrical burning odor coming from the air ducts. Was our first phone call to the fire department? NO! The first phone call made was to 2-10 Home Buyer Warranty to make sure our claim would be covered. We opted to use our own local reputable HVAC company (researched and highly recommended). We paid the after-hours service fee because I was afraid the house was going to burn down. The bill came to $700 (diagnostic service + part and repair). 2-10 Home Buyers Warranty would only reimburse us $115. 2-10's reimbursement didn't even cover the replacement part. I escalated the issue without success. 2-10 gives new homeowners a false sense of security that everything will be taken care of when you buy your new home. It isn't until you file a claim that you learn the truth. I am very skeptical about the quality of their "in-network" service providers. Many reviewers have reported incompetent service contractors and lengthy wait time for repairs. That's what happens when you hire the lowest bidder. I would not recommend 2-10 Home Buyers Warranty to anyone. If you are a home seller, don’t waste your money on a 2-10 Home Buyers Warranty. If you are a buyer, be forewarned. We’ve had other claims denied as “pre-existing conditions.” I DO NOT RECOMMEND 2-10 HOME BUYERS WARRANTY.

Corrine R.
Knoxville, TN
June 22 2019 12:50PM

Horrible customer service! 2-10 Home Buyers will gladly take your money when things are good, but go radio silent when you actually need them. We've had a premium policy for more than 15 years. When the A/C broke, they sent out an incompetent technician to replace the compressor. He failed to change the line filter, so the compressor died, and the coils are leaking freon. 2-10 then sent out two (2) more technicians, who both advised that we needed the A/C unit replaced. Since we have a replacement policy, we weren't worried, but we should have been. Now that 2-10 is responsible to replace the A/C, they stopped returning calls. They have disappeared leaving us suffering in the heat. The temperatures here are soaring. According to all the local weather stations 90 degrees feels like 107. Save your money. You are paying for peace of mind, but what you are actually paying for is company profits.

Gerald W.
West Palm Beach, FL
Write Review