2-10 Home Buyers Warranty Reviews

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.

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.

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.

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.

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.

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.

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.