2-10 Home Buyers Warranty Review (2020)

Read our 2-10 Home Buyers Warranty review to learn about the company’s coverage, cost, customer reviews and other features. Compare quotes between providers. | Photo Credit: Shutterstock © Nature's Charm

Home warranties provide peace of mind when an appliance or system breaks down. Instead of facing a costly bill, homeowners pay the service fee and a monthly premium to a contract provider. 

It’s a low-cost, high-reward scenario — as long as you find the right company. There are many home warranty providers across the country, but they’re not all equal in terms of offerings and quality of service. We’ve evaluated the best home warranty companies on metrics like plan options, coverage, cost, customer ratings and other factors to provide an unbiased recommendation.

Below, we’ll provide a 2-10 Home Buyers Warranty review. We’ll also explain an alternative option that might be a better fit for most homeowners. In general, we think it’s a smart approach to get quotes from several providers and compare. 

In This Article:

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

2-10 Home Buyers Warranty Overview

Founded in 1983, 2-10 Home Buyers Warranty is headquartered in Colorado and provides coverage in all states except Montana, Wyoming, North Dakota, South Dakota, Oklahoma, Hawaii and Alaska. 

The company has covered over six million homes and states it pays 97.5% of claims. The company is a member of the National Association of Home Builders and the National Home Service Contract Association. 

In evaluating 2-10 Home Buyers Warranty, the positives we identified included the company’s coverage for workmanship, distribution systems and structural defects. However, 2-10 had lower customer ratings than some competitors within the industry.

Here’s a summary of what we determined from our 2-10 Home Buyers Warranty review:

Affordable combo plan Above-average service fee ($85)
Good add-on optionsLow customer ratings
Appliance perksNot available in seven states
Plans for new construction 

2-10 Home Buyers Warranty Plans

Home appliances. Set of household kitchen technics isolated on white. Fridge, gas cooker, microwave oven and washing machine. 3d
Photo Credit: Shutterstock © Maxx-Studio

The company offers three types of plans: HVAC + Water Heater, Major Appliances and Everything Together.

HVAC + Water HeaterMajor AppliancesEverything Together
Central heating systemRefrigerator with ice makerHVAC + Water Heater Plan
All types of thermostatsDishwasherMajor Appliances Plan
Gas linesStove/oven/rangePipe leak
CodesWasher and dryerDrain line stoppages
Permits and modificationBuilt-in microwaveGas/electric water heater
Central refrigeration systemsTrash compactorToilets
Heat pumpsGarbage disposalTubs and showers
Evaporative coolers Fixtures and valves
Ductwork Wiring
Water heater Switches and outlets
  Central vacuum
  Attic and exhaust fans
  Garage door openers
  Lighting fixtures

Optional Add-Ons

2-10 Home Buyers Warranty offers a variety of optional add-ons for coverage.

Additional refrigerator, built-in wine cooler, freestanding freezer, wet bar refrigerator$40 per unit
Ventilation (ceiling fans, exhaust fans, attic fans)$40
Safeguard (alarms and garage door opener)$40
Pre-season HVAC tune-up$40
HVAC surplus$89
Roof leak$100
Extended pipe leak$60
Pool/spa saltwater equipment$345
Pool/spa freshwater equipment$160
Septic system$45
Water softener$80
Well pump$75

Structural Warranties

The 2-10 Structural Warranty an option for builders to protect a newly constructed home. It covers three areas of a home: workmanship, distribution systems and structural defects. The workmanship is covered for one year, distribution systems for two years and structural defects for 10 years.

WorkmanshipDistribution SystemsStructural
Roof coveringSupply pipingRoof framing
CabinetsWaste pipingLoad-bearing walls
Door panelsElectrical wiringColumns
Exterior siding Foundation
Hardwood floor Floor framing
Ceramic tile  
Interior trim  

2-10 Home Buyers Warranty Costs

The cost of 2-10 Home Buyers Warranty plans are on par with other home warranty companies. The HVAC + Water Heater and Major Appliances plans start as low as $33 per month or $396 per year. The Everything Together plan is about $45 per month or $540 per year. This cost will increase if you choose to cover individual add-ons.

The service fee for a technician to come to your home is $85, which is slightly above the industry average of $75.

Claims with 2-10 Home Buyers Warranty

If you need to file a claim, homeowners, realtors and builders have different portals and numbers to request service.

  • Homeowners: Log into the Homeowner Portal or call 800-775-4736.
  • Realtors: Log into the Realtor Portal or call 800-795-9595.
  • Builders: Log into the Builder Portal or call 800-488-8844.

2-10 Home Buyers Warranty Reviews

2-10 Home Buyers Warranty is accredited by the Better Business Bureau (BBB) and has an A rating. However, out of almost 400 customer reviews, the company only has one star. 

Outside of the BBB, ratings are all over the board. That tells us customer experience may vary greatly for this company. 

Here are a few sample 2-10 Home Buyers Warranty reviews we found on the BBB:

“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 warranty). 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.”

– Maygan E., three stars, May 2017

“Terrible … When an issue with my refrigerator arose (ice maker not functioning), the first company they sent out replaced the ice maker and claimed the issue was fixed, but the new ice maker never made ice. Clearly a mis-diagnosis. The second company 2-10 contracted never contacted me at all. When the problem finally led to a leak on a Friday, I was told I would have to wait for someone to contact me on Monday. I couldn’t let a leak sit for an entire weekend, so I was forced to hire someone on my own to fix the problem. Subsequently, no one ever contacted me from the second company. When I tried to get 2-10 to reimburse me for having to hire someone myself, I was told the issue wasn’t covered. It was covered when they sent the first company out, but suddenly it wasn’t covered when I had to handle the problem myself. ”

– Joint L., one star, February 2020

Our Assessment of 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty has standard warranty plans and coverage, and the prices are average. The Appliance coverage has a few perks: The company will try to match the color of your replacement appliance, you can get cash to replace the item instead of repair it, and you can get substantial discounts on certain appliance brands.

If you decide to go with 2-10 Home Buyers Warranty, we think the Everything Together plan is the best deal. HVAC and water heaters are expensive to repair and worth covering, but leaving out major appliances families use every day seems risky. The $45 cost is a good price for this type of combo plan.

Although 2-10 Home Buyers Warranty has decades of experience in the business and a high claims record, we aren’t impressed with the customer reviews and ratings. There seems to be an issue with having quality technicians, which can lead to a lot of extra trouble and stress when repairs are needed.

We believe a better alternative would be American Home Shield, which also has several decades of industry experience and a Combo Plan™ that is comparable to 2-10’s Everything Together option.

Preferred Provider: American Home Shield 

As the industry founder, American Home Shield is a well-known provider. The company was founded in 1971 and services all states except for Alaska. 

American Home Shield is accredited by the BBB and holds a B rating. We named it “Best Overall” in our best home warranty comparison because of its extensive breadth of coverage. Homeowners can choose between four plans to find offerings that fit their needs and budget — especially with the flexible Build Your Own Plan™. This option allows homeowners to choose a total of 10 systems and appliances to protect.

American Home Shield is known for its fast, efficient claims process — both in terms of ease of online and over-the-phone filing and the fact that the company responds to customer service requests within 24 hours 98% of the time. 

Related posts