2-10 Home Buyers Warranty Review: Plans, Pricing, and Coverage

2-10 Home Buyers Warranty (2-10 HBW) has been a trusted name in home warranties for over 40 years, protecting over 6 million homes. It offers a variety of plans for homeowners, real estate professionals, and builders, but is this home warranty worth it? Keep reading to learn what this company offers to determine if 2-10 HBW is the right choice for you.

On This Page:

• What We Think
• Pros & Cons
• Plan Details & Pricing
• Claims & Service Process
• Real Estate & Builder Warranty Plans
• Coverage Limitations & Exclusions
• The Bottom Line

What We Think

2-10 Home Buyers Warranty offers affordable and flexible plans with unique features, making it a solid option for those looking for a home warranty. While their prices are competitive, some customers have pointed out that the service fees can be relatively high and that certain claims may be denied. However, if you’re in the market for a flexible and budget-friendly home warranty under an established company, we think 2-10 is worth considering.

>> Related: How to Choose the Best Home Warranty

Pros & Cons

Pros

• Affordable plans starting at $27/month
• Three plan options
• Wide range of add-ons
• 24/7 claim submission
• “Even-If” Service Fee Guarantee
• Real estate and builder-specific warranty plans

Cons

• Higher service call fees ($65–$100) than some competitors
• Customer complaints about long repair times and denied claims
• Coverage limits apply, with a $25,000 max payout annually

Plan Details & Pricing

2-10 Home Buyers Warranty Plans

2-10 Home Warranty offers three primary home warranty plans covering major home appliances and systems: Simply Kitchen, Complete Home, and Pinnacle Home.

Here’s what each of these plans cover:

*Supreme coverage enhances protection for appliances, heating/cooling, plumbing, and electrical systems (availability varies by plan and ZIP code).

Plan Pricing

• Simply Kitchen Plan: Starts at $27/month.
• Complete Home Plan: Starts at $47/month
• Pinnacle Home Plan: Starts at $61/month

Compared to other top home warranty providers, 2-10 HBW’s pricing is competitive, as most companies start plans around $45/month. 

>> Related: How Much Does a Home Warranty Cost?

Add-On Coverage

To customize your plan, 2-10 HBW offers several add-on options, including:

• Additional refrigerator
• Septic system
• Well pump
• Plumbing and electrical
• Garage door opener
• Extended pipe leak
• Pool/spa equipment
• Roof leak coverage
• Water softener

Additionally, customers can select special packages for more extensive coverage:

• Supreme Package: Expanded coverage for major home systems and appliances (options vary by plan and zip code). Included in the Pinnacle Home plan.
• Luxury Package: Increases dollar limits to $5,000 per appliance/system
• HVAC Surplus: Extra coverage for heating and air conditioning systems
• Pre-Season HVAC Tune-Up: A 28-point tune-up and inspection option
• Service Fee Options: Adjust service fees lower or higher depending on your preference.

Unique Benefits

2-10 HBW offers several unique perks:

• Appliance Color Matching: Ensures new appliances match the existing ones, where possible
• Appliance Replacement Offer: If a covered appliance breaks down, 2-10 may reimburse you up to $150 toward a new appliance instead of a repair
• Appliance Discount Program: Exclusive discounts on GE and Whirlpool appliances

Claims & Service Process

24/7 Claim Submission

Customers can file claims online 24/7 through the Homeowner Portal or via phone. A licensed service contractor will be dispatched to diagnose and repair the issue.

Service Fees

2-10 HBW service fees range from $65 - $100. You can opt for a higher monthly premium for a lower service fee or a lower monthly premium for higher service fees.

Exclusive "Even-If" Service Fee Guarantee

2-10 HBW offers a unique protection for service fees:

• If a claim is denied, you can request reimbursement of the service fee
• If a covered part fails again, no additional service fee will be charged

Contractor Options

Unlike some home warranty providers, 2-10 HBW allows direct contact with service contractors. If an in-network contractor isn’t available, you can hire your own, but 2-10 will only reimburse what would have been paid for an in-network provider.

30-Day Money-Back Guarantee

Coverage begins on the Effective Date, which may be up to 30 days from the date of purchase. A full refund will be issued if you cancel before the Effective Date. After that, fees will be deducted from your refund. While this allows you to cancel during the 30-day waiting period before your warranty coverage begins, a full refund is not available once it starts.

The following restrictions may apply:

If you cancel up to 30 days after the effective date, you are eligible for a refund but are responsible for paying a $75 processing fee and any amount the provider paid for service.

If you cancel more than 30 days after the effective date, you will receive a pro-rata refund for the remaining unused portion of the contract, less any amounts the company paid for service and the $75 processing fee.

Real Estate & Builder Warranty Plans

Real Estate Warranty Plans

Designed for home buyers and sellers, these plans must be purchased through a real estate professional.

• Seller Coverage: Free protection for heating, plumbing, and electrical systems (excluding Florida*). Sellers can opt into additional coverage for air conditioning and heat pumps for $50
• Buyer Coverage: Includes Happy Home Lock & Hardware program ($100 for rekeying/new locks)

*Seller coverage in Florida costs $60 and includes air conditioning and heat pump coverage.

Builder Warranty Plans

2-10 HBW is a leader in structural warranties for home builders. 2-10 builders’ warranty coverage options include:

• Workmanship*, distribution systems**, and structural warranty***
• Structural-only warranty
• Builder Backed Service Program (BBSP) warranties
• COVE warranties
• New modular or manufactured home warranty

* Workmanship warranty: 1 year; covers cabinets, countertops, hardwood floors, drywall, etc.

** Distribution systems warranty: 2 years; covers piping, ductwork, and electrical wiring

*** Structural warranty: 10 years; covers load-bearing walls, foundations, beams, etc.

Additional builder services include:

• Claims administration
• Flexible warranty terms
• Shared risk options
• Grandfathering
• Modular home warranty
• Manufactured home warranty

Coverage Limitations and Exclusions

As with any home warranty, 2-10 Home Buyers Warranty has its fair share of limitations.

Liability Exclusions

2-10 excludes coverage for failures caused by:

• Neglect
• Misuse
• Missing parts
• Improper maintenance
• Environmental factors (e.g. flooding or storms)
• External forces (e.g. pests or animals)

Other Restrictions

Various other restrictions apply, and the following items (but not limited to these) are not eligible for coverage under a standard plan:

• Commercial or professional-grade items
• Duplicate appliances
• Strictly cosmetic repairs
• Portable appliances
• Duplicate appliances
• Appliances not in the primary kitchen
• Stand-alone freezers
• Garbage disposals

Aggregate Limits

2-10 HBW has an annual aggregate limit of $25,000 for covered systems and appliances. Individual caps also apply for certain types of repairs.

The Bottom Line

Is 2-10 Home Buyers Warranty Worth It?

It may be. Whether 2-10 HBW is the right choice comes down to what you value most in a home warranty. If affordability and flexible plans matter to you, 2-10 HBW is a good option, with plans starting at just $27 per month.

However, the company isn’t without its drawbacks. Customer feedback is mixed; some commend the quick service and good technicians, while others report issues with denied claims and slow response times. These issues aren’t uncommon in the home warranty industry but are worth considering before signing up.

Ultimately, 2-10 HBW could be a good fit if you’re looking for cost-effective coverage with solid repair guarantees but always make sure to thoroughly review the service agreement, understand coverage limitations, and consider customer experiences.