2-10 Home Buyers Warranty Review (2024)

By Jesus Sanchez Garcia Updated May 9, 2024

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An established home warranty provider, 2-10 Home Buyers Warranty Group (2-10 HBW) offers generous coverage. The company provides homeowners with standard or personalized protection plans. In addition, it works with home builders to maximize value for homebuyers looking for both a home and a home warranty to protect it. We compared 2-10 Home Buyers Warranty against the best home warranty companies in the country and consider it a solid choice.

Overview of 2-10 Home Buyers Warranty


  • Offers a $25,000 annual coverage limit and extends a $2,000 cap per covered item. Its Luxury Package add-on increases limits to $5,000
  • Provides a workmanship guarantee that lasts your entire contract term
  • Makes a reasonable efforts to color-match your appliance if it needs replacement and won't charge a service fee if your issue isn't covered.


  • Charges a 9.4% monthly processing fee if you choose a monthly premium
  • Doesn’t include clothes washer and dryer coverage except in its Pinnacle Home plan. You must purchase it as an add-on for other plans.

*All but Alaska, Hawaii, Montana, New Hampshire, North Dakota, Oklahoma, South Dakota, and Wyoming.

2-10 Home Buyers Warranty Rating and Review

Our review standards rated 2-10 Home Buyers Warranty 4.1 out of 5 stars. This company provides competitive pricing via affordable service call fees. It also offers comprehensive coverage. We believe homeowners will appreciate 2-10’s “Even If” guarantee, which promises that 2-10 will refund your service call upon your request even if your issue isn’t a covered item.

Here’s how we rated 2-10 Buyers Home Warranty on key metrics:

2-10 Home Buyers Warranty Coverage Options

Although 2-10 Home Buyers Warranty offers up to five coverage plans, two of its plans, Simply HVAC and Essential Home, are only offered if you inquire with a representative. Per the representative with whom we spoke, 2-10 doesn’t list those plans on its website due to the limited coverage options and lack of applicable discounts.

This company is one of the few providers that offers a plan-length workmanship guarantee for all covered repairs. If your air conditioner breaks down again after 2-10 repairs or replaces it, the company won’t charge you an additional service call fee to repair it. 

Below is a coverage breakdown for 2-10 Home Buyers Warranty plans:

Simply HVAC

The Simply HVAC plan only covers HVAC systems. Covered items include air conditioning and heating systems, heat pumps, and thermostats. All 2-10 plans include its Appliance Color Match, Appliance Discount Program, Appliance Replacement Offer, and “Even IfService Fee Guarantee.

Simply Kitchen

Simply Kitchen is 2-10’s basic plan offered over the phone and online. This plan covers standard kitchen appliances such as built-in microwaves, cooktops, dishwashers, ovens, ranges, and refrigerators.

Essential Home

The Essential Home plan bundles the Simply HVAC and Simply Kitchen plans together.

Complete Home

Complete Home is available over the phone or online. This plan covers all items in the Essential Home plan, plus plumbing and electrical systems. It covers doorbells, outlets, panels, switches, and wiring. Plumbing includes drain line stoppages, pipe leaks or breaks, pressure regulators, sump pumps, toilets, valves, and tankless or direct vent water heaters.

Pinnacle Home

The Pinnacle Home plan is 2-10’s most comprehensive home warranty coverage plan. It covers all items in the Complete Home plan, plus clothes washers and dryers and the Supreme Package. The Supreme Package covers many miscellaneous items, such as appliance and home systems filters, burglar and fire alarms, crane costs, faucets, and more.

Optional Add-Ons

2-10 Home Buyers Warranty provides an extensive list of add-on coverage options for those who want additional customization:


2-10 Home Buyers Warranty Pricing

Based on the quote we pulled for a 3,000-square-foot, single-family home in Aurora, Colorado, expect to pay between $25 and $68 for a 2-10 service agreement. Its service call fees are $65, $85, and $100 per claim. 2-10 allows you to choose from the three service call fees, and your monthly premium may increase or decrease depending on the fee you select.

2-10 Home Buyers Warranty Coverage Caps

Although 2-10 includes a generous $25,000 annual coverage limit for all covered items, it limits each covered item to $2,000 per coverage term; 2-10 increases standard coverage item limits to $5,000 per coverage term with the Luxury Package add-on. According to the representative with whom we spoke, the Luxury Package adds extra peace of mind for most appliance and systems breakdowns.

The company also provides various coverage caps per covered add-on. Like standard coverage items, 2-10’s coverage caps apply for the contract term you purchase. The table below highlights several add-on limits:

ItemCoverage Cap

Septic system


Well pump


Pool and spa equipment


Roof-leak coverage


Water softener


2-10 Home Buyers Warranty Reviews

Although 2-10 currently holds accreditation with the BBB, its NR rating is difficult to overlook. We aim to recommend providers that hold a C rating or higher. However, based on the recent consumer reviews we’ve read from the BBB and Best Company, 2-10 provides an overall positive customer experience. Some customers like how quickly 2-10 resolve service requests. Others dislike 2-10’s delay in processing reimbursements.

I like that when I enter my request, they respond immediately. The technician that they sent me was very helpful and respectful, although I have an order that’s still open because the technician doesn’t know how to handle the problem. —Gwendolyn via Best Company

I can’t say enough about the level of service I’ve received from 2-10 HBW and the contractors that have worked on my service requests. Everyone has been responsive, professional, and courteous—and the results in each instance exceeded my expectations. Great job, 2-10 HBW! —A. Waller via Best Company

For the price I pay, it is well worth it. They put my mind at peace knowing I have a company dedicated to being there when issues happen. I’m very happy using this company for all my warranty needs.” —Rod R via BBB

I have made multiple calls regarding a refund for a bad repair of my $75.00. Still have not received it —Tracy via Best Company

“Very unhappy with the company! I have been waiting since January for an appliance buyout payment. Supposedly the check has been sent out twice! Still waiting. I called today to check on the second check and was told I have to wait until the end of the month before a new check can be sent! — Stephanie G via BBB

“Not a happy camper. … I had an issue with the water heater and had the work order on hold. After deciding to proceed, they claimed I said I would prefer a payout. After speaking with three people and professing I never asked for the payout, there was no other option. Difficult to work with and less than desirable customer service.” — Angela M. via BBB

How 2-10 Compares to the Competition

The table below, listed from highest to lowest rating, displays how 2-10 Home Buyers Warranty compares to other top home warranty companies.


Monthly Cost

Service Fee

AFC Home Club



First American Home Warranty



Liberty Home Guard



American Home Shield



2-10 Home Buyers Warranty



Select Home Warranty



Our Recommendation

Offering basic and comprehensive home protection, flexible coverage options, an extensive workmanship guarantee, and generous coverage caps, 2-10 Home Buyers Warranty is worth considering if it matches your needs. However, 2-10’s NR BBB rating prevents us from recommending it. Consider Liberty Home Guard if you’re looking for a reputable home warranty company that offers a solid workmanship guarantee and coverage limits. American Home Shield is another option if you need total home coverage.

Before signing up for a home warranty, we recommend pulling quotes from three providers to compare coverage details, costs, exclusions, and limitations.


2-10 Home Buyers Warranty FAQ

What is 2-10 Home Buyers Warranty’s Appliance Replacement Offer?

2-10 Home Buyers Warranty’s Appliance Replacement Offer is its program to help customers replace faulty appliances. It gives you two choices: Request a repair and pay a service call fee, or receive up to $100 in reimbursement funds to purchase a replacement appliance.

Is there a downside to a home warranty?

A downside to a home warranty is its total coverage. A home warranty policy doesn’t cover all home items or provide unlimited coverage limits. Therefore, it’s crucial to carefully read a provider’s sample contract before purchasing a plan to ensure it covers what you need.

How long does a 2-10 Home Buyers Warranty service contract last?

2-10’s service contract typically lasts 12 months. This means 2-10 protects your home’s systems and appliances from unexpected breakdowns within the 12 months that your policy is active.

Does 2-10 Home Buyers Warranty allow me to choose my service contractor?

Typically, 2-10 doesn’t allow you to choose your service contractor unless there is not an in-network technician near you. Before you find a contractor, contact 2-10 and get approval to ensure it will cover your repair.


How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on analysis of customer reviews and interviews with industry experts. Our in-depth methodology guides our review process to provide transparent information about the companies we review.

During this process, we determined that the most critical aspects of a home warranty company include available service plans and add-ons, depth of coverage, plan cost, industry reputation, customer support infrastructure, and additional features. We also focused on the ability to choose your own contractor, upgrade your coverage package, transfer your plan to another owner, and cover roof leaks, high-end appliance brands, ceiling and exhaust fans, and faucets and fixtures.

Our research supported that plan coverage should carry the most weight, with customer support as the second-most important factor. Industry reputation, plan availability, and additional features were rated equally. We determined that price range, while worth considering, should not be the primary basis for choosing a home warranty provider for your home’s needs.