2-10 Home Buyers Warranty

• Range of Warranty Products
• Good HVAC Coverage
• 24/7 Claim Submission
• Extensive Industry Experience
• Contractor Options
• Exclusive 'Even-If' Service Fee Guarantee
• 2-10 HBW Appliance Benefits
• 30-Day Money-Back Guarantee

Range of Warranty Products

This review discusses home warranty service contracts that cover appliance and home system repairs, not the structural defect coverage purchased through builders.

2-10HBW offers a variety of different home warranty coverage plans, with different product lines based on whether your warranty contract is part of a real estate transaction. We have detailed the basic options for both circumstances:

• Homeowner Direct-Sale Warranty Plans — You are neither buying a home (new or existing), nor selling your home. You are proactively shopping for a home warranty policy.
• Real Estate Warranty Plans — These plans are only offered for purchase through real estate professionals. They provide coverage for sellers while their home is listed on the market and provide buyers with added security.

Homeowner Direct-Sale Warranty Plans

• Service Call Fee: $85

If you are already living in your home, consumers can purchase a 12-month policy for their home online, with three warranty plans to choose from:

• Simply Kitchen (Appliance Coverage)
• Essential Home (Appliances and HVAC Coverage)
• Complete Home (Whole Home Coverage)

Pricing can vary depending on where you live, as well as the type and size of your home. Here are some examples of warranty options:

Simply Kitchen — $22 per month or $264 per year

• Refridgerator
• Dishwasher
• Built-in Microwave
• Cooktop
• Range

Essential Home — $43 per month or $516 per year

• Everything included in the Simply Kitchen plan
• Centrally ducted gas or electric heating system
• Centrally ducted air conditioner and associated heat pump
• Evaporative cooler (i.e., swamp cooler)
• Thermostats of all types
• Interior gas supply lines

Complete Home — $51 per month or $612 per year

• Everything included in the two plans above
• Plumbing — pipe leaks, drain line stoppages, toilets, tubs, showers, fixtures, valves,
• Electrical — wiring, switches, outlets, central vacuum, doorbell, attic fans, exhaust fans, garage door openers, lighting fixtures

In addition to these three basic warranty plan packages, customers have the following optional coverage add-ons to choose from:

Real Estate Warranty Plan Packages

If you are buying or selling a home, 2-10 Home Buyers Warranty offers distinct service contracts for home buyers and sellers, which must be purchased through a real estate professional.

Seller Coverage

• Cost: $0–$60 per listing period
• Service Call Fee: $100

Free coverage is not available where prohibited by law, including the state of Florida.

Complimentary seller policies don't cover air conditioning or heat pumps, but it can be added for $50–$60.

Buyer Coverage

• Cost — $475 (Plus the cost of any add-ons)
• Service Call Fee — $100 ($75 with optional up-front payment)

Standard Buyer Coverage

• Single-family home less than 5,000 sq feet — $475-$590 (depending on location)
• Condo or townhome or multi-family dwelling — $455-$570 (depending on location)

Same as seller coverage, with the basics, but it also includes the Happy Home Lock & Hardware program — get reimbursed up to $100 to install new locks or rekeying within 45 days after closing. No service call fee is needed.

Supreme Buyer Coverage

• Single-family home less than 5,000 sq feet — $580
• Condo or townhome or multi-family dwelling — $560

Optional Coverage Add-Ons for Buyers Only:

3-Year New Home Warranty Plans

Besides offering structural warranties for newly built homes, 2-10 Home Buyers Warranty also offers appliance and home system repair service contracts to buyers of brand new houses. As with other real estate contracts, new construction home warranties must be purchased through a partnering real estate agency.

New construction home warranty service agreements last for three years. Buyers have to choose when the policy goes into effect, with the following two start date options:

• Immediately upon closing
• One year after closing

New home buyers have the option to choose between three years of Standard Buyer Coverage or Supreme Buyer Coverage:

• Standard — $650
• Supreme — $750

Good HVAC Coverage

2-10 HBW offers one of the most comprehensive HVAC policies in the home warranty industry. It includes unlimited refrigerants and SEER appliance matching, at no additional cost. SEER HVAC energy efficiency standards were recently updated in 2015 and will be even more stringent in 2023.

24/7 Claim Submission

2-10 Home Buyers Warranty provides 24/7 service to its customers. Homeowners may submit a service request 24/7 through their online portal or over the phone.

Next, a service contractor will be dispatched to schedule a time, Monday through Friday during normal business hours, to diagnose and repair the eligible system or appliance.

Extensive Industry Experience

In business for over 40 years, 2-10 HBW has provided warranty coverage in over six million homes. You can rest assured that the company's processes are fine-tuned and easy to follow. The company uses local, independent service contractors. To ensure the service contractors are meeting 2-10 HBW’s service expectations, 2-10 HBW uses a third-party satisfaction survey tool and surveys every homeowner who provides an email address after a service request.

Contractor Options

Some home warranty companies prevent customers from calling the approved contractors directly. 2-10 HBW allows its customers to contact the contractors directly to expedite the process. If you are looking for a quicker turnaround time, this is a nice feature to have.

Your chosen service contractor must be licensed and insured. He or she must also contact 2-10 HBW with a detailed diagnosis, and estimate to see if it's covered and get an authorization number.

If an in-network pro is not available, it's one thing, but if you simply choose to get your own repair, 2-10 will only cover "an amount equivalent to what [2-10] would have paid for parts and labor for a contracted provider to complete the needed service."

Exclusive 'Even-If' Service Fee Guarantee

2-10 HBW customers benefit from a unique service fee guarantee. This guarantee includes the following benefits:

• If you paid a service call fee, but your item was not eligible for coverage, you can request reimbursement
• If a covered part is serviced and fails again within the term of the Home Warranty  Service Agreement, another Service Fee will not be due

2-10 HBW Appliance Benefits

Appliance Color Matching

If you are getting an appliance replaced, 2-10 HBW offers to match the existing appliance's color. While always preferable, most warranty companies do NOT cover any cost of matching, so you could have a functional item, but your washer and dryer may not match anymore.

Appliance Replacement Offer

If a covered appliance fails, customers have a unique offer from 2-10 HBW. When requesting service, you have options:

1. You can choose to continue with the normal claims process and schedule an appointment with a service tech, pay the $75–$100 service call fee, then get the item repaired or replaced.
2. Accept a special $100 reimbursement offer toward buying yourself a new replacement appliance when you submit receipts from your purchase.

Appliance Discount Program

2-10 HBW home buyer warranty customers can get an exclusive discount through the warranty company to save up to 65 percent off retail prices on GE or Whirlpool appliances.

30-Day Money-Back Guarantee

If you cancel before the effective date, a full refund will be issued. After that, there will be fees deducted from your refund. While this gives you the freedom to cancel during the waiting period before your warranty coverage starts, once it starts a full refund is not available.

• If you cancel up to 10 days after the effective date, you are eligible for a refund, less a $25 processing fee and any amount that the provider paid for service
• If you cancel more than 10 days after the effective date, you will receive a pro-rata refund for the remaining unused portion of the contract, less any amounts that the company paid for service and the $25 processing fee

• 2-10 HBW Customer Reviews
• State Availability
• Call for a Quote
• Service Call Fee
• Waiting Period
• Monthly Finance Charge
• Coverage Limits

2-10 HBW Customer Reviews

One star home warranty reviews aren't necessarily uncommon. Thirty percent of all home warranty company reviews aggregated on Best Company are one-star. However, when looking at 2-10 HBW reviews, the high percentage of one-star reviews is significant. Best Company has collected over 200 reviews from 2-10 Home Buyers Warranty customers. The majority (over sixty percent) of consumers give this company the lowest possible score: one out of five stars.

Common complaints include the following issues:

• Customer service issues
• Extended wait times for repairs
• Unexpected fees
• Denied claims

State Availability

2-10 HBW does not provide service for every state. Additionally, availability varies for each of the company's different warranty product lines.

If you are a homeowner shopping for a proactive, non-real estate-related warranty plan, you will need to choose a different home warranty company if you live in one of the states listed below. Click on your state to browse the best-ranked home warranty companies available in your area:

Call for a Quote

If you are looking to get a home warranty for more complicated properties (other than single-family homes under 5,000 square feet), you will need to contact 2-10 for a specialized quote. The following situations are included:

• Multiple units
• Guest homes
• Casitas
• Homes over 5,000 square feet

Service Call Fee

Although a few home warranty companies do not charge a service fee, most do. 2-10 HBW's service fee starts at $85 but can go up to $125, depending on the type of coverage you have.

If you are hoping to avoid extra costs, this is something to factor into your decision.

Waiting Period

When consumers buy a home warranty plan directly from 2-10 HBW, the service agreement doesn't go into effect immediately. Whether you purchase it online or over the phone, there is a 30-day waiting period from your order date, before your 12 months of coverage officially start.

While not universal, it's pretty common to have a waiting period when you sign up for a home warranty. This type of policy is meant to protect the company from paying claims on pre-existing conditions, which are almost always excluded from coverage. Your home systems and appliances are required to be in normal working condition when you sign your initial contract.

Monthly Finance Charge

When you choose a home warranty plan from 2-10 HBW, you may have the option to pay one lump sum payment for 12 months' coverage or pay month-by-month. However, shoppers should know that you will end up paying a bit more overall with monthly payment because there is a 9.5 percent monthly finance charge.

Coverage Limits

All home warranties have coverage limits. It's important to know what they are when you are shopping for your best options.

First, each 2-10 Home Buyers Warranty has a total maximum coverage amount of $25,000, regardless of the options or coverages selected.

Buyers, sellers, and homeowners who purchase a warranty outside of a real estate transaction have different policies and coverage limits. In order to get an idea of 2-10 HBW policy limitations, we have listed direct-sale homeowner policy limits for common items:

• Heating — $2,000 in aggregate for heating; $500 for concrete-encased or concealed ductwork, $500 for gas lines
• Cooling — $2,000 in aggregate for cooling; $500 for concrete-encased or concealed ductwork, $500 for refrigerant lines
• Home appliances — $2,000 for refrigerator; $1,000 for range/oven/cooktop; $500 for dishwasher; $500 for built-in microwave
• Plumbing — $2,000 in aggregate for plumbing; $500 for concealed and/or concrete  encased water, gas, drain, waste, vent piping, leaks and breaks in the plumbing system;  $1,000 for polybutylene piping and PEX Manifold plumbing system; $1,250 for water  heater; $150 per replacement faucet, faucet handles, shower heads, or tub spouts; $300  per toilet replacement 
• Electrical — $2,000 in aggregate for electrical; $500 for concealed and/or concrete encased  wiring 

Optional home warranty coverage items also come with dollar limits to what the policy will cover, including the following:

• Additional Refrigerator — $500
• Built-In Wine Cooler — $500
• Freestanding Freezer — $500
• Garage Door Opener — $500
• Wet Bar Refrigerator — $500
• Extended pipe leak — $1,000
• Pool/Spa (any) — $1,000
• Roof Leak — $1,000
• Septic System — $500
• Washer & Dryer — $1,000 each 
• Water Softener — $1,000
• Well Pump — $500 

HVAC Surplus Add-On

This optional add-on is to specifically increase the dollar limits that 2-10 covers for heating and cooling repairs. The increased coverage has the following limits:

• $2,000 additional system coverage in aggregate
• $1,500 for geothermal and water-source systems
• $1,500 for steam, hot water heat, or hydronic systems
• $1,500 for water-cooled air conditioners, high-velocity, and hydronic systems