2-10 Home Buyers Warranty Review (2020)

2-10 Home Buyers Warranty (2-10 HBW) provides peace of mind to homeowners across the United States by offsetting repair and replacement costs for major home systems and appliances and providing affordable structural coverage for new homes.

House Method created this 2-10 Home Buyers Warranty review guide to help homeowners choose the best home warranty for their homes—our review includes details about 2-10 HBW plans, coverage, and cost, 2-10 Home Buyers Warranty reviews, as well as information about the company and a comparison of 2-10 HBW against other top home warranties.

Best for new construction homes

  • Covered over 6 million homes
  • A rating from the Better Business Bureau (BBB)
  • Offers coverage for homeowners, real estate agents, and home builders
Pros  Cons
Has over 37 years of industry experience

Plans start as low as $37 per month

Provides after hours and emergency services

Low cancellation fee ($25)

Can’t choose your own technician

Limited in-network contractor availability

2-10 Home Buyers Warranty plans, coverage, and cost

2-10 HBW offers two coverage plans for homeowners—Systems & Appliances and Structural—at a starting cost of $33 per month. The company also offers coverage for add-on items, such as a wine cooler, well pump, additional refrigerator, and septic system.

Systems & Appliances Plan: $33.25 per month ($399.00 for an annual plan). 2-10 Home Buyers Warranty covers 14 major systems and appliances under this plan.

  • Air conditioner/Freon
  • Split system
  • Furnace
  • Plumbing
  • Water heater
  • Electrical panel/Wiring
  • Refrigerator
  • Oven
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Trash compactor
  • Clothes washer
  • Clothes dryer

Note: The Systems & Appliances plan can be broken down into three separate plans—HVAC + Water Heater, Major Appliances, and Everything Together. Here’s how those plans compare.

HVAC + Water Heater Major Appliances Everything Together
Central heating system Refrigerator with ice maker Major Appliances Plan
Thermostats (all types) Dishwasher HVAC + Water Heater Plan
Gas lines, codes, permits, and modification Stove/Oven/Range Pipe leaks
Central refrigeration systems Washer Drain line stoppages
Heat pumps Dryer Gas/Electric water heater
Evaporative coolers Built-in microwave Toilets
Ductwork Trash compactor Tubs and showers
Water heater Garbage disposal Fixtures and valves
Wiring
Switches and outlets
Central vacuum
Doorbell
Attic and exhaust fans
Garage door openers
Lighting fixtures

Structural Plan: 2-10 HBW has a structural plan that offers protection for a home’s workmanship. With this warranty, homeowners can protect their new home for up to 10 years from structural damage.

  • Workmanship
  • Distribution systems
  • Floor framing
  • Columns
  • Beams/Grinders/Lintels
  • Footings and foundation systems
  • Load-bearing walls and partitions
  • Roof framing system

For a better understanding of how a 2-10 home warranty compares to a structural warranty, take a look at the graphic below.

Home Warranty Structural Warranty
Home appliances and systems that break due to normal wear and tear Structural defects beyond a builder’s control including columns, beams, foundations, roof framing, load-bearing walls, and floor framing
1 year of coverage with the option to renew annually 10 years of coverage
Can be purchased by a homeowner Must be purchased by a builder

Optional coverage: The pricing will vary based on the items you choose, but all options are under $30.00. For an additional cost, customers can include the following items to their existing plan.

  • Additional refrigerator
  • Pre-season HVAC tune-up
  • Extended pipe leak
  • Roof leak
  • Septic system
  • Pool/Spa equipment
  • Water softener
  • Well pump
  • Standalone freezer
  • Wine cooler

2-10 HBW seller coverage and buyer coverage

If you’re buying or selling a home, 2-10 HBW has specific home warranty coverage to help you during this transition.

Seller coverage

This type of coverage is complimentary where allowed by law (service fees are still applicable at the time of service). For example, in Florida, Seller coverage is $60. This coverage includes protection for the Seller’s major appliances, like the refrigerator, plumbing, and electrical. 

Buyer coverage

If you’re a real estate agent, you can buy home warranty coverage for your client and protect them during their first year of homeownership. Coverage includes protection for the home’s major appliances and systems and can be renewed annually by the homeowner.

2-10 HBW Supreme Protection

Real estate agents can add on this protection to a home buyers warranty. It provides coverage for 40 additional items including appliances and plumbing, electrical, and HVAC systems.

The following are also covered under 2-10 HBW’s Supreme coverage:

  • Modifications up to $250
  • Permits up to $250
  • Haul away and disposal fees
  • Items covered under manufacturer’s warranty
  • Corrections to code violations up to $250

*Note: 2-10 Home Buyers Warranty charges an $85 service fee, which is average for most home warranty companies. This means you’ll pay $85 out of pocket each time your claim is approved and a technician is sent to your home.

Pricing of 2-10 Home Buyers Warranty vs. competitors

This graph represents the monthly premium customers would pay under 2-10 HBW's most basic plan against what they would pay for competitor plans. Note: these prices do not include the service fee amount.

Details for top 2-10 HBW systems and appliances

Our team at House Method wanted to accurately rate home warranties based on the coverage they provide. To get a better idea of the coverage that matters most to consumers, we surveyed 1,000 homeowners and asked them which systems and appliances were most valuable to them.

We concluded that the top three systems people cared about are the electrical, plumbing, and air conditioning systems, and the top three appliances that hold the most importance are the refrigerator, washer/dryer, and oven/stove/range.

Here’s what that coverage looks like under a 2-10 HBW home warranty:

Refrigerator

2-10 HBW covers the following parts of a kitchen refrigerator: handles, hinges, ice crusher, beverage dispenser, and other respective equipment. Racks, shelves, interior thermal shells, food spoilage, and freezers which are not integral parts of the kitchen refrigerator aren’t covered.

Oven/stove/range

The handles, hinges, clocks, rotisseries, racks, knobs and dials, interior lining, glass/ceramic cooktops, self cleaning mechanisms, and latch assemblies are covered under a 2-10 HBW plan.

Clothes washer and dryer

The following components are excluded from coverage: plastic mini-tub, soap dispensers, filter screens, knobs, dials, lint screen, and damage to clothing. 

Electrical

Under a 2-10 HBW plan, electrical system coverage includes wiring, switches, outlets, panels, and telephone wiring. It doesn’t cover wires outside the home or garage, electronic or computerized energy management systems, or lighting fixtures that are not hard-wired.

Plumbing

Here are just a few items covered under a 2-10 HBW plan: leaks and breaks of water pipes, pressure regulators, waste lines and vent lines, assembly parts within the toilet tank, and shower, tub, and diverter valves.

For a complete look at what is and isn’t covered, check out your home warranty contract.

Air conditioning

The 2-10 HBW plans cover a variety of air conditioning units, from central A/C and heat pumps to geothermal systems, evaporative coolers, and built-in electric wall units. Coverage also includes thermostats.

Get a customized quote for your home

Coverage length

Your 2-10 HBW coverage will begin 30 days after the sale date. Contracts typically last for a year with the option to renew at the end of the coverage term.

Coverage limits

If you look at your home warranty contract, you’ll see the maximum coverage limits for certain home systems and appliances, such as your septic system, refrigerator, toilet, and swimming pool. Here are just a few items and their associated coverage limits.

Home appliance or system 2-10 HBW coverage limit
Refrigerator $2,500
Septic system $500 per term
Swimming pool $1,000 per term
Toilet replacement $300 per toilet
Faucet repair/replacement $150 per faucet

In addition to these items, there might be other systems and appliances with designated coverage limits and exclusions. Review the terms of your home warranty plan before signing up so you know exactly what’s covered and what isn’t. For example, an oven may be covered, but any racks, glass, and shelves within the oven may not have coverage.

Note: 2-10 HBW covers only the failure of systems and appliances due to normal wear and tear. The company is not liable for:

  • Fixing pre-existing conditions
  • Damage due to misuse or natural disasters
  • Cleaning up hazardous materials, like mold and asbestos
  • Repairing cosmetic defects, smells, noises, or cleaning
  • Matching the dimensions or brand of a replacement if a customer does not participate in the Appliance Replacement Offer

See if your state is covered by 2-10 Home Buyers Warranty

AlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyomingDistrict of Columbia
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2-10 Home Buyers Warranty covers all states except for Alaska, Hawaii, New Hampshire, Oklahoma, Wisconsin, and Wyoming. If you live in one of these states, read our state-specific home warranty review guides to find the right home protection plan for you and your home:

Our take

2-10 Home Buyers Warranty provides comprehensive coverage at an affordable cost. Though they don’t let you choose your contractor for all cases, they will let you select your own technician if one of their authorized contractors is unavailable.

We believe the company is one of the most trustworthy companies in the home warranty industry due to its excellent BBB rating, years in business, and service guarantee. Additionally, if you want to cancel your existing contract, you’ll only have to pay $25, which is a lot lower than the standard $50–$75 that most home warranty companies charge.

Some other things we like about 2-10 HBW include their 24/7 customer service and dedication to resolving customer complaints. In fact, we believe this is why the Better Business Bureau gives 2-10 HBW an A rating—the highest we’ve seen across the home warranty industry.

Overall, we recommend this company for those who want an experienced home warranty provider with a variety of coverage plans at an affordable cost. We especially recommend 2-10 HBW for those who are building a new home and want protection over their investment.

2-10 Home Buyers Warranty ratings

Plan options

5.0 / 5

Breadth of coverage

4.0 / 5

State availability

3.3 / 5

Cost

4.5 / 5

Trustworthiness

5.0 / 5

Customer service

4.0 / 5

Unique benefits

3.0 / 5

What others are saying

As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by 2-10 Home Buyers Warranty customers. That’s where we come in. At House Method, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to read.

Below, we’ve included 2-10 HBW ratings compared to the industry average.

Summary of Customer Feedback

Reviewer 2-10 HBW Ratings Industry Average Ratings
Average # of Reviews Average Score Average # of Reviews Average Score
Yelp 544
1.0 375
1.2
BBB 398
1.1 956
2.0

2-10 Home Buyers Warranty reviews

The Better Business Bureau (BBB) gives 2-10 Home Buyers Warranty an A rating. This is the best BBB rating we’ve seen across all of the home warranty companies we’ve reviewed. Note: 2-10 Home Buyers Warranty is also BBB accredited.

That being said, the company has received a 1-star average rating among 398 customer reviews on the BBB’s website. However, 2-10 HBW has answered or resolved all 1,013 customer complaints on the BBB’s website proving that it’s extremely responsive.

Here are a few BBB reviews from 2-10 HBW customers:

Rex and Susan P. on May 10, 2017, said:

If you asked me 2 months ago to write a review of 2-10, it would have been negative. But I have to say that they really ended up going above and beyond to resolve my complicated complaint about my refrigerator. I’m renewing my plan because of their excellent customer service. Even my personal contractor complimented the customer service provided and felt like they were one of the better [companies] than most he’s dealt with. Thank you for working hard to resolve my complaint.

Maygan E. on May 25, 2017, said:

I submitted a claim for work I had completed prior to discussions with 2-10. (I am a new home owner and forgot I received the warrantee). I submitted the claim via email (the website is not user-friendly), but had a real person call me back. It took 7 days for a return call. Since I had supreme service with the septic supplement, they agreed to pay half the bill (awaiting payment). If I had gone through the correct process, he said they would have paid the complete bill. I was happy with the outcome, especially after reading some of the horrible experiences.

House Method’s editor, Kelsey Roadruck, is a 2-10 Home Buyer Warranty customer. This is her 2-10 Home Buyers Warranty review from March 22, 2019:

I bought my first house in November 2018. I was so glad that the sellers transferred their home warranty coverage to me as part of the home sale. Being a first-time homeowner, a one-year home warranty eased my mind when the thought of expensive home repairs rained on my parade of buying a house I loved. The house is 19 years old with all original appliances and systems. Our home inspector was surprised to find that all of these components were still in working order despite being well past their expected expiration date.

I saw how helpful a home warranty could be when the sellers agreed to the majority of my repair requests while the house was still under contract. They were able to streamline a lot of the maintenance through their 2-10 Home Buyers Warranty plan.

In reviewing 2-10, I was pleasantly surprised when I logged into my own customer portal to find a really user-friendly interface. I was able to find the online claim center and a copy of my service agreement really easily. 2-10 Home Buyers Warranty even provides home maintenance checklists online to help homeowners prevent broken appliances and systems. This gave me the feeling that 2-10 really does invest in customer satisfaction.

Frequently asked questions about 2-10 HBW

What is a 2-10 Home Buyers Warranty?

2-10 Home Buyers Warranty is a home warranty company that offers coverage to homeowners, real estate agents, and home builders. Its home warranties are optional service agreements that homeowners can purchase to protect their home’s core appliances and systems.

How does 2-10 Home Buyers Warranty work?

When a covered item breaks, 2-10 Home Buyers Warranty customers can either call 800-775-4736 or sign into their online customer portal. They simply explain which item is broken and describe the problem they’re experiencing. The 2-10 HBW customer service team aims to approve claims within 48 hours.

After your claim is approved, 2-10 HBW will assign a pre-approved service contractor to assess the problem in your home. If there isn’t a contractor available, 2-10 HBW will allow customers to select a contractor of their choosing.

Often times, it’s up to the home warranty company and the pre-approved technician to decide whether a covered item can be repaired or if it needs to be replaced. Homeowners can either pursue the suggested repair or they can participate in 2-10 HBW’s Appliance Replacement Offer in which the company will offer the customer $100 toward a new appliance of their choice.

Note: If the item is replaced, most home warranty companies are not responsible for matching the appliance’s brand, dimensions, or color.

Is a 2-10 Home Buyers Warranty transferable?

Yes, a 2-10 Home Buyers Warranty is transferable from sellers to buyers at the time of the home sale.

Sellers can notify 2-10 HBW of the transfer and the buyers will have a home protection plan for their first year of homeownership. The new homeowners will then have the option to renew their home warranty plan at the end of their contract term, which is often one year.

What is a structural warranty?

A structural warranty provides coverage for a home’s workmanship, distribution systems, and load-bearing components. It’s a great option for those who are building a new home and want extra protection on their investment.

Is a 2-10 HBW worth it?

As one of the longest-standing home warranty companies, 2-10 HBW has valuable experience taking care of homeowners’ systems and appliances. Their coverage is comparable to other providers and their pricing is slightly more affordable than the industry average. If you’re looking for standard home warranty coverage, we believe 2-10 HBW is absolutely worth it.

Do I need to get a home inspection before enrolling in 2-10 HBW coverage?

No, a home inspection is not required to purchase coverage through 2-10 Home Buyers Warranty. However, we recommend getting an inspection done before signing up for coverage to be clear on the condition of your systems and appliances.

What’s the difference between a home warranty and homeowners insurance?

A home warranty covers your systems and appliances when they break down due to normal wear and tear. Homeowners insurance protects you in the event of natural disasters, theft, fire, and vandalism.

Final thoughts

House Method gives 2-10 Home Buyers Warranty 4.23 out of 5 stars. They have an “Even If” Service Fee Guarantee, a truly comprehensive Supreme coverage plan, an Appliance Replacement Offer program, and a user-friendly online portal.

We also recognize that holding onto an A rating by the BBB is certainly a tough feat and their dedication to receiving customer complaints makes them a solid company.

2-10 Home Buyers Warranty is a good choice for you if…

  • you’re looking for a trustworthy home warranty company.
  • you live in a newly built home that might benefit from a structural warranty.
  • you’re a real estate agent and want to provide home buyer coverage to your client.

2-10 Home Buyers Warranty may not be a good choice for you if… 

  • you just want coverage for optional items.

Compare 2-10 HBW to the competition

Plan options
Monthly cost
BBB rating
Claims process
2-10 Home Buyers Warranty logo

Plan options

3 + add-ons

Monthly cost

$33–$46

BBB rating

A

Claims process

After-hours 800 number or online claims center

Plan options

2 + add-ons

Monthly cost

$36–$44

BBB rating

B-

Claims process

After-hours 800 number or online claims center

Plan options

2 + add-ons

Monthly cost

$46–$61

BBB rating

N/A

Claims process

Available via 800 number from 9 a.m. to 7 p.m. EST

Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.

Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.

For more details, check out our affiliate disclosure and rating methodology.

Company information

  • Company name: 2-10 Home Buyers Warranty
  • Company type: Private
  • CEO: Michael Bortosch, President
  • Founding date: 1/1/1983
  • Years in business: 37 years
  • Telephone: 800-743-4210
  • Address: 13900 East Harvard Avenue
  • State/province: Aurora, CO
  • Postal code: 80014
  • State availability: 44 states
  • Service fee: $85
  • BBB rating: A

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