2-10 Home Buyers Warranty Reviews

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About 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty has protected more than 6 million homes over 40 years. With a home warranty, when a system (heater, air conditioner, hot water heater) or appliance (refrigerator, stove, microwave) break due to normal wear and tear, homeowners are offered budget protection to complete the eligible repair. Seven out of every ten homes will experience a system or appliance failure yearly.

Pros
  • Structural warranties for new homes
  • Flexibility in selecting service providers
  • Provides essential coverage
  • Roof leak coverage available
Cons
  • Service call fees can be high
  • Some state restrictions

Featured Reviews

Orange Park, FL
Verified purchase
The repair person was here in no time and took care of it. He came in, detected the problem, knew what the solution was, ordered the part that was needed and fixed it. 2-10 was al...

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Cornelius, NC
Verified purchase
The air conditioning no longer blew hot air and the experience when I submitted the claim to 2-10 was fantastic. It was called in on a Friday and they said that I might not hear f...

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2-10 Home Buyers Warranty plans

2-10 Home Buyers Warranty gives homeowners around the country peace of mind and financial protection, helping minimize the burden of costly repairs. A 2-10 Home Buyers Warranty service agreement gives homeowners nationwide access to a network of more than 6,000 authorized, independent service contractors. They can also access an online Homeowner Portal to manage their account, request service and renew their service agreement.

Coverage packages cover the cost of repairing or replacing certain systems, including parts and labor, for one low service call fee.

  • Simply Kitchen: The Simply Kitchen plan is 2-10’s most affordable plan. It covers your kitchen appliances, including: built-in microwave, dishwasher, range, oven, cooktop, refrigerator with ice maker and beverage dispenser.
  • Complete Home: The Complete Home plan is the most popular. It covers kitchen appliances, heating and cooling, and plumbing and electrical.
  • Pinnacle Home: The Pinnacle Home plan offers the most coverage. It covers everything in the Complete Home package as well as your washer and dryer and includes other upgrades. 

2-10 service plans are not available in Alabama, Alaska, Hawaii, Montana, New Hampshire, North Dakota, Oklahoma, South Dakota or Wyoming.

2-10 Home Buyers Warranty coverage

The company’s Systems and Appliances service agreement covers the repair or replacement of major home systems and appliances, including parts and labor.

  • AC/freon split system
  • Furnace
  • Plumbing
  • Water heater
  • Electrical panel/wiring
  • Refrigerator
  • Oven
  • Dishwasher
  • Built-in microwave
  • Disposal
  • Trash compactor
  • Washer/dryer

Optional coverage: Available for home buyers, 2-10 offers optional coverage at an add-on rate for the following items: pre-season HVAC tune-up, extended pipe leak, roof leak, septic system, pool/spa equipment, water softener and well pump.

2-10 Home Buyers Warranty coverage exclusions

2-10 Home Buyers Warranty covers the failure of systems and appliances due to normal wear and tear. Pre-existing conditions will only be considered for coverage if they were unknown and could not have been detected by visual inspection or simple mechanical test. 2-10’s service agreement does not cover damage due to misuse or abuse or natural disasters. They also won’t handle hazardous materials, like asbestos.

As is typical with most home warranties, 2-10 does not cover cosmetic defects. In the event a replacement item is provided, there are no guarantees they’ll match the existing brand and color of your current item.

Code violations and haul away services are only covered with the Supreme Protection add-on and HVAC Plus plan add-on. Commercial appliances are not covered under the warranty.

There may also be item-specific exclusions. These will be listed in your contract, so be sure to look for these and understand your coverage. Often, parts and components deemed non-essential to the core function of the item may be excluded. For example, while most of your kitchen appliances may be covered, parts like glass, shelves and accessories may not be covered.

2-10 Home Buyers Warranty cost

The monthly cost for 2-10 Home Buyers Warranty starts at $27 for the kitchen appliance plan. Your total cost will vary by plan and your selected service call fee, which ranges from $85 to $125. Their monthly rate comes at a lower cost than the industry average, while their service call fee runs slightly high. If you select any add-on coverage, this will also increase your monthly payment.

2-10 Home Buyers Warranty coverage limits

2-10 Home Buyer’s Warranty lists the maximum aggregate liability for all claims in a contract term at $25,000. This is one of the higher limits we’ve seen. There is also an item specific limit on certain appliances and systems. This is the maximum 2-10 will pay for the repair or replacement of the item within one contract term.

Item2-10’s coverage limit
Built-in or sealed refrigeration units$2,500
Faucet repair and/or replacement$150/faucet
Toilet replacement, in the event of sediment/ calcium build-up$300/toilet
Limited roof leak$1,000/term
Septic system$500/term
Swimming pool$1,000/term
Well pump$500/term
Steam, hot water heat, hydronic systems, geothermal and water source systems, air conditioners, high-velocity systems$1,500/term
Concealed or concrete encased items pertaining to ductwork, water, gas, drain, piping, leaks, breaks and wiring$500/term
*Limits subject to change. Check your service agreement for up-to-date numbers

2-10 Home Buyers Warranty FAQ

Is a home inspection required by 2-10 Home Buyers Warranty?

No, a home inspection is not required to get coverage from 2-10 Home Buyers Warranty.

Can I choose my own service provider?

Maybe. In the event that a 2-10 authorized contractor is unavailable, you may be able to select your own technician. The technician will diagnose the problem and then call 2-10 for prior authorization before beginning the work.

Is there a cancellation fee for 2-10 Home Buyers Warranty?

Yes. A $25 processing fee will be applied to your cancellation. Cancellation within 30 days entitles you to a full-refund less this fee, while cancellation after 30 days will receive a pro-rated refund. Cancellation must be submitted in writing via email.

How do I request a service from 2-10 Home Buyers Warranty?

Claims can be submitted online through the 2-10 homeowner portal or by calling their toll-free number. Both methods are available 24/7, and you can log in to the homeowners portal to check the status of your request at any time. To request service from 2-10 Home Buyers Warranty:

  1. Submit a claim to 2-10.
  2. 2-10 will assign and dispatch a service contractor.
  3. Dispatched contractor will diagnose and repair the item if it’s covered under your warranty.
  4. You will pay the service call fee.

Emergency service: In emergency situations, 2-10 will make every effort to expedite a technician to your home within 24 hours.

Is there a waiting period before you can start using a home warranty from 2-10 Home Buyers?

Yes, there is a 30-day waiting period before you can request service from 2-10 Home Buyers. If you are renewing your home warranty, you can start using it immediately.

Is 2-10 Home Buyers Warranty worth it?

2-10 Home Buyers Warranty gives homeowners around-the-clock peace of mind should something in their home break. In business for nearly four decades, the company has accrued valuable experience taking care of homeowners around the country. Homeowners should be prepared to pay a service call fee for each separate service request. Overall, we found the pricing fair and the coverage adequate, if a little less comprehensive than other plans available. If you’re looking for straightforward coverage of your major systems and appliances, 2-10 should fit the bill.

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2-10 Home Buyers Warranty Reviews

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    Page 1 Reviews 0 - 10
    Customer Service

    Reviewed March 27, 2025

    I've had the warranty for 1 year. I've opened 14 cases. Only two of the items are closed, because I chased the builder. 2-10 is not a Warranty. They have no leverage over the builder. They do not follow up with the homeowner or the builder. In a recent call I was told there was nothing 2-10 could do to help me with the builder and I should file a lawsuit. What value to they bring to the transaction. Do not spend money, it provides zero value.

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    Resolution In Progress
    Customer ServiceTech

    Reviewed March 26, 2025

    I would never again buy a home warranty from 2-10 for appliances, electrical, heating, etc. They are so polite and wonderful when you purchase the warranty, but when you have a problem, as we did with a heat pump, we never get a straight answer, but were told we were in a wait period for them to find just the right part; this went on and on for weeks. We had the house on the market, no heat and needed an answer so we did not lose the sale. To them it did not matter!

    Finally, we got a service man to go to them to try and help them see why we needed an answer: The last guy we talked to said we were never even on the docket for parts: so they were stringing us along saying it would be a few more days, a few more days, just a few more days. They had no intention for getting a part or getting compatible solution. AND, they refused to allow us to talk to a another person! We ended up getting a contractor to get us a new heat pump! All the money each month meant zero! Never again.

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      Customer ServiceClaims HandlingCoverageTechPricePunctuality & SpeedRefunds & Payouts

      Reviewed March 12, 2025

      2-10 Home Warranty only covers failures where the problem begins after the start of your service agreement... So the age of the system does matter if they can prove the "damage" predated the service agreement start date. And the only way to know if a claim is covered, is to submit a claim; have a 2-10 contractor tech come out and assess what the problem is, what the fix is, and when the problem likely started.

      I am a new home buyer and feel that I've been wronged by 2-10 Home Buyers Warranty. Back in December 2024 we were looking at buying a house, we found the perfect house! However, the major appliances/features (water heater, HVAV, Roof, etc) were all original to the house built in 2004. So we knew that we'd have some out of pocket expenses coming up and didn't want to move forward with the purchase of the house. That is until we talked with a 2-10 rep that assured us they don't discriminate against the age of systems, they said that if a system were to break down like the HVAC or water heater that we could submit a claim and should be covered. So we purchased 2-10 Home Warranty coverage and closed on the house Jan 2nd 2025.

      We did have a home inspector check everything out (they're not licensed professionals for systems), and they noted that the HVAC system wasn't working 100%. It was working fine, but it's a 20 year old system, it's bound to have lower performance. 3 weeks later, we had unseasonable weather conditions, our area rarely gets below 40 in the winter and we woke up to 28 degrees outside and 55 degrees inside the house. We submitted a claim to have someone come out and see what the problem was. The tech was delayed because of the weather conditions and we didn't see someone for a week. We understood the delay because of conditions.

      A tech came out and said, looks like the systems need to be replaced, but that 2-10 likely won't cover it so they were going to replace a $1000 part and see if that helps. 2-10 covered the cost of the part no questions, we had heat again, we were happy. 2-10 had no questions, no comments about the age of the system or the age of the problem, they approved the replacement part. Someone from 2-10 actually admitted that approving this first claim was an error, they should have evaluated the claim a little deeper, but didn't.

      So another 2 weeks later and again temps dipped into low 30s and we woke up to a 62 degree house. So we submitted a claim and a couple days later a 2-10 contractor came out and said guys this system is beyond repair. They also said that in the history of working with 2-10, "I know they won't cover this, so I want you to be prepared for the shock of the cost". 2-10 denied the $14,000 cost to replace the systems, 2-10 wasn't going to cover anything. We called and asked the case be escalated because we didn't understand why the case was denied, we're supposed to be protected.

      Only after we escalated our case did they ask for a copy of our home inspection, which we provided because we had been upfront with 2-10 even prior to a service agreement. They looked at the pictures and said that there is no way, with the amount of rust and corrosion, that the problem started after our service agreement. We thought, this is the first time we're hearing of this loophole in wording. So 2-10 claims it was a "pre-existing condition" and they don't cover pre-existing conditions. We knew they didn't cover pre-existing conditions, but the previous homeowners weren't aware of HVAC failures, and with the home inspection we knew that the systems were on their last breath, but there was nothing that helped us determined a pre-existing condition and nothing that 2-10 could provide to indicate that we wouldn't be covered.

      I've talked to several people at 2-10 to ask, how am I supposed to know if my system has a pre-existing condition and they said we can't help you there. There's no guarantee or process that 2-10 provides preliminary. You just have to wait for a system to fail, then pray that the tech can't confirm the problem existed prior to the start date of your service agreement.

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      2-10 Home Buyers Warranty
      Response from 2-10 Home Buyers Warranty

      Hi Andrew, we sincerely regret that we were unable to assist you with your recent service request. Unfortunately, our agreement is not a remedy to bring systems or appliances back in good condition when the system or appliance was not in good condition prior to the agreement effective date. We apologize for any frustration or inconvenience that you may have experienced during the claims handling process. We value your business, and we look forward to serving your future warranty needs.

      Profile pic of the author.
      Customer ServiceTech

      Reviewed March 4, 2025

      I called three times with a water leak at the base of my toilet. The problem wasn't fixed. The first time the contractor/owner of the company came with a trainee and had her do the work. The problem wasn't fixed. I called the 2nd time, and the contractor/ owner came and said the problem was fixed and there is still a leak. Called Home Buyers and was given a 3rd work order number for the same incident. I also left a message for the contractor, and he hasn't returned my call.

      Three work orders were generated first on 02/12. /2025.... Second on 02/25/2025 and third on 03/3/2025. The contractor/ company owner told me to call if I had a problem. I left a message, and he didn't return my call. I am also so frustrated with 2-10 Home Buyers Warranty for sending someone like this who didn't seem to care but worked carelessly on my problem.

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      Claims HandlingCoverageTechSales & Marketing

      Reviewed Feb. 21, 2025

      Updated on 03/08/2025: Update on 2-10 Home Warranty issue over broken glass stove top (cracked): We are 4 weeks in. 1200 in lost wages over 4 days of waiting on techs. We have had 3 people out. Last one (3rd visit) was to bring new glass top. He did not. At this visit, he wanted 142.00 to order top because that was not covered by warranty company. Well, we have already paid the 100.00 deductible, twice. So, not paying the $142. Top not ordered. At this point, a new stove would have been cheaper for not only us but 2-10. Update tonight is that they will be here in 2 weeks to maybe replace the top? Not sure because we are not paying $142 when our contractual obligation was 100 which we have now paid twice.

      Start a savings account. Do not waste the money for this "warranty." It is not worth the time you will spend trying to get a covered item actually covered. They are a company that will defraud you and not act in good faith. Very, very bad investment. For the record----this stove is only 3 years old and was in great shape (Frigidaire Gallery). So we are not trying to get a brand new stove for something 17 years old. As I said----start a savings account. You will do nothing but fight with these people. Stay tuned!!!

      Original: We purchased the best warranty available from this company. We have a 3-year-old, Frigidaire Gallery, glass top stove. I was using it, heard a pop-type noise and shut it off immediately. I picked up the pot and the front burner had cracked from the middle of the burner all the way back to the back of the stove, into the silicone/rubber strip on the edge. We filed a claim. Approved repair company came out and said it was a "scratch." Also said he turned stove on and it was fully operational but he NEVER turned stove on.

      Never turned anything on with respect to stove/oven. Well, it was not a scratch because it could cut you and when cleaned there were glass pieces coming off of it. Claim denied as it was "cosmetic." Called warranty company and they said to get a second opinion from a licensed company. Did that. Stove deemed dangerous and not operational. Frigidaire also told us same thing.

      Anyway, 200.00 later----stove is not safe, should not be used/turned on----as it is CRACKED AND UNSAFE and flass could "explode/implode." Claim denied again but this time crack is in "wrong spot to be normal wear." Funny, you said crack was a scratch and now crack is a crack but in wrong spot. Out 200.00 plus premiums paid to get ripped off. Stay away from this company. They are a sham and will pay nothing. Not worth the aggravation and they lie. Total scam. Bad, bad business. We are out 200.00 and still need a new stove. BUYER BEWARE! 2-10 is not reputable/honest.

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      Claims Handling

      Reviewed Feb. 19, 2025

      The worst, Run away as fast as you can. Paid them well over $12,000 over the course of 7 years. Put in a claim for the dishwasher. They kept it at $400 then sent me a check for $325. I said, "Hey I want the full 400." They said, "We're deducting $75 for the contractor." I said I paid the contractor the 75 dollars. They said, "No no. We have to pay him as well." So the cap in the agreement is not what you'll receive. It's that minus the copay.

      Then I called and canceled the policy because for one claim for 12 Grand I could have put that money in the bank and did the work myself. I had an unearned premium of $495 and they deducted $410 saying I put a claim in but they never paid me $410. Absolutely the worst experience I have ever had in my life with any insurance company. They should be banned from doing business. They're are a bunch of Thieves. Stay away. Take this to the bank and deposit it. I guarantee you it will not bounce.

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      2-10 Home Buyers Warranty
      Response from 2-10 Home Buyers Warranty

      Hi Robert, we're sorry to hear how you feel but we appreciate your feedback. If you feel we have made an error in handling your claims, please give us a call so we can resolve it. Thank you again for your feedback and thank you for being a part of 2-10 Home Buyers Warranty.

      Brandon increased rating by 3 stars.
      Customer ServiceTechPunctuality & Speed
      After a positive interaction with 2-10 Home Buyers Warranty, Brandon increased their star rating on Feb. 16, 2025.

      Updated review: Feb. 16, 2025

      Hi Brandon, we're glad to hear that your claim has been resolved. We hope that we've repaired your experience. We appreciate your patience and we'll do our best to make sure that you have a more positive experience next time.

      Original Review: Feb. 10, 2025

      Been without HVAC a more than a month now and not being taken seriously as a priority. First contractor no call, no show. 2nd one comes out 4 days later. Submits findings for repairs. 2-10 denied them. Third contractor shows up then gives them same assessment. They approve it but then take 5 days to order parts and that’s only because I called them everyday. According to them they have 5 days to order parts On the fifth day the person I talked to says these haven’t been ordered. Not sure why, let’s order them now. Then they didn’t get delivered when they said because they didn’t give all the necessary info to shipping company. The shipping company sent a request for info but 2-10 never answered. Finally after all this it gets delivered but then the contractor stands us up. Never seem to matter to them.

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      CoveragePrice

      Reviewed Jan. 16, 2025

      My water heater went out two weeks ago and I called 2-10 Warranty and they sent out a company to look at it. The water heater had to be replaced. To my surprise, I had to pay an additional fee of $405.00 for the parts that were not covered in my policy. Keep in mind, this was not explained to me. I have been with 2-10 warranty for five (5) years and my payment is $98.73 and it's not worth the cost. You will be better off just saving your money in case you have to have your items in your home repaired.

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      2-10 Home Buyers Warranty
      Response from 2-10 Home Buyers Warranty

      Hi Adrianne, we're sorry to hear how you feel but we appreciate your feedback. If you feel we have made an error in handling your claims, please give us a call so we can resolve it. Thank you again for your feedback and thank you for being a part of 2-10 Home Buyers Warranty.

      Profile pic of the author.
      Customer ServiceCoverageTechSales & MarketingPricePunctuality & SpeedRefunds & Payouts

      Reviewed Dec. 26, 2024

      Our gas water heater recently went out, so we opened a claim with 2-10. The company they assigned did their assessment and it needed to be replaced. The information was sent to 2-10 with the itemized list of what needed to be done. 2-10 came back and not everything was covered. Our water heater is 20 years old, so everything for the new water heater needed to be brought up to code.

      The out-of-pocket was going to be $404. We called to get the details on the items that were not covered and then to accept the work. When the rep stated looking at the items, the out of pocket all the sudden went up to $548. Then the rep went back to look at something else and came back and said it would now be $685. That seemed like such a scam that they kept raising the amount. They said they could look at the buy-out option if that was too high and we could get our own contractor to look at it. The rep looked up how much the buy out would be. When they came back, guess what, something changed again.

      They were now saying the cost of the water heater was over their max coverage and they can only offer the buyout. They took the option off the table for the $685 out-of-pocket. They would send a check in 10 to 15 business days. I asked for a supervisor, but none were available. They would have to call me back with 4 hours. The supervisor called back a few hours later, and wouldn’t do anything. He told me the check would be for $1200 and he would expedite it, but still gave me the same 10 to 15 business days.

      We now either have to come up with over $1000 extra to cover the rest and wait till the check comes in or and find a plumber that does financing to get it replaced sooner. How is this whole thing not a scam where they kept increasing the out of pocket and their costs until they maxed out what they would cover. We have had this company for over 20 years and paid them in the neighborhood of $15k in premiums during this time and we get treated this way.

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      2-10 Home Buyers Warranty
      Response from 2-10 Home Buyers Warranty

      Hi Christopher, we're sorry to hear how you feel but we appreciate your feedback. If you feel we have made an error in handling your claims, please give us a call so we can resolve it. Thank you again for your feedback and thank you for being a part of 2-10 Home Buyers Warranty.

      Reviewed Dec. 13, 2024

      Our water heater, Rheem/Rudd, went out and stop working in our brand newly built home which was one year new when it broke and after the home builders warranty expired. Contacted 2-10 to get it fixed, and was told they had no service providers to fix it. They approved us to seek support from a non-contractor. We had to pay $910.00 to get the water heater fixed. 210 reimbursed us $275.00. This was unacceptable. We have not renewed our home warranty with them.

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      2-10 Home Buyers Warranty
      Response from 2-10 Home Buyers Warranty

      Hi Vanessa, we're sorry to hear how you feel but we appreciate your feedback. If you feel we have made an error in handling your claims, please give us a call so we can resolve it. Thank you again for your feedback and thank you for being a part of 2-10 Home Buyers Warranty.

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        2-10 Home Buyers Warranty Company Information

        Company Name:
        2-10 Home Buyers Warranty
        Company Type:
        Private
        Address:
        13900 E. Harvard Avenue
        City:
        Aurora
        State/Province:
        CO
        Postal Code:
        80014
        Country:
        United States
        Website:
        www.2-10.com

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