2-10 Home Buyers Warranty Reviews

If I had been told upfront that claims department approval was mandatory before buying a replacement refrigerator, I would have followed that process. Instead, I was told I would receive some type of reimbursement, made the purchase based on that information, and then spent weeks chasing 2-10 for an answer before being told I was disqualified. This is unacceptable customer service and poor communication. Customers should not be given incomplete information when they are making expensive replacement purchases. They also should not have to spend more than a month repeatedly calling just to find out that there was an additional approval requirement that was never clearly communicated in the first place.

My biggest issue is not simply that my claim was denied. It is that I relied on the information 2-10 gave me before the purchase, and then only learned about this approval requirement after the fact. I strongly recommend that anyone dealing with 2-10 get every reimbursement promise, authorization requirement, and approval in writing before spending any money.

The only time we got a phone call back from a manager she stated she did not expect us to answer as we are the last callback before her vacation and to escalate again Monday morning as she was sorry she had to go but would leave notes. At this point our adviser feels we should complain the the Florida Dept of Insurance Regulation. We have no way to actually reach anyone else at 2-10 despite trying every menu option.

Despite the urgent circumstances, 2-10 refused to provide even partial reimbursement. We also experienced delayed contractor scheduling and frustrating claim denials. Reaching a representative was extremely difficult. We were repeatedly placed in callback queues with wait times of up to eight hours, and the situation continued for several days. I would not recommend 2-10. Our experience reflected poor customer service, unreasonable delays, indifference to an urgent customer need, and an unacceptable lack of access to a representative when assistance was needed most.

This is the absolute worst home warranty anyone can ask for. We pay every time we call them to send someone out and they delay doing anything at all. We moved here from out of state so we don’t have the luxury of putting our family and pets up in a hotel for two months while we wait. I have already filed a complaint with the state of Alabama and I will continue to do what I need to until someone does their job and gets this taken care of. This home warranty has made it very clear they do not care if you have small children or pets and to be honest the least they could have done is send us portable fans. They won’t even do that. Also, on top of all this hogwash, they have hung up on myself and my husband four times because they don’t want to deal with the situation at hand. DO NOT USE THIS WARRANTY COMPANY! Save yourselves the headache and distress and save yourselves the money.

I was instructed by a 2-10 representative to contact my own service contractor and to submit for reimbursement, a copy of receipt and payment for the initial service and diagnostics, and then to provide them with a written and detailed estimate from my service contractor for approval prior to having the actual repair completed. $275 service/labor/diagnostics call receipt provided to them. Estimate for parts and labor (approximately $500) additionally provided. I have had three separate phone calls from 2-10 representatives telling me they'll cover $190.00. I have asked repeatedly for a supervisor only to be given the run around. At this juncture, my claim is still unresolved. I would not recommend anyone purchase a home warranty plan from this company.

A couple days went by; we called them back to follow up since we hadn't heard anything back. We kept calling, leaving messages for their supervisors to call us back. Nothing. July came around, we kept calling, being hung up on or put on hold to never returned on the line. The contractor called and stated that 2-10 cancelled the work order. We called again and they had denied the claim. We demanded to speak to their supervisor, nothing. 2-10 said we needed to call the manufacturer we did. The manufacturer told us that either 2-10 or the contractor needed to order the replacement.

Since they have denied the claim, the contractor is now waiting on 2-10 for approval. Here we are in September, 3 months have gone by with records breaking temperatures in Virginia. We now have filed a complaint with the Better Business Bureau and the State Attorney General. This is absolutely criminal to leave a family stranded in this heat with no accommodations or assistance offered.

I've been given the run around with representatives who are only able to see content in either the new system or the old system. Very few people have access to both which complicates things even further because they don't have the full scope of the issue. lt has been two weeks and I'm still waiting for a response on whether they are going to replace the compressor. I was supposed to receive a call back (I called on Monday) and it is now Wednesday with no response. They wanted to confirm that I had coverage at the time I filed a claim. I have once again been a customer who was on automatic renewal for 23 years and had coverage at the time. Honor what you say and train your people better.

Now, I will say, I have had some good conversations with some individuals who really tried to assist me and saw the issue but unfortunately, they didn't have the power to authorize the repair. I would really think about signing up with this company because at this time I am not impressed with their leadership or customer service. I have recommended this company in the past to family and friends and at this point I see change on the horizon. Incompetent, Ineffective leadership and unable to pivot and review the documents and issues in front of them (on their end) to make the right and sound decision. I typically don't do reviews but the egregiousness of this issue has caused me to post my thoughts and concerns. Maybe they will listen or have time to respond now that I've voiced my concerns publicly.

Systemic Call Center Chaos & Stonewalling: Extreme Phone Delays: Reaching representatives consistently requires sitting on hold for 45 to 60+ minutes per call, spending 5 to 8 hours across multiple days just trying to get basic updates. Broken Promises & Unreturned Calls: Multiple formal requests for supervisor callbacks went completely unfulfilled. Deliberate Evasion: Representatives give conflicting information on consecutive calls and dodge technical questions to avoid escalating files to claims managers.

Refusal of Written Confirmation: Representatives attempt verbal-only negotiations while actively refusing to put their technical directives or equipment specifications in writing. Core Issue Technical & Regulatory: 2-10 HBW is attempting to force a partial equipment replacement by pairing a modern 14.3 SEER2 outdoor condenser with an obsolete 2006 Carrier PSC blower motor. Independent licensed mechanical contractors have documented in writing that this configuration restricts airflow, pushes static pressure past safe design limits, causes premature mechanical failure, and explicitly invalidates standard manufacturer parts warranty coverage. This matter is under active regulatory file review with the South Carolina Department of Insurance (SCDOI).

Current Status & Next Steps: A formal Pre-Arbitration Demand Letter copying state regulators was delivered to 2-10 HBW’s corporate legal team. Having allowed the demand deadline to expire without a compliant resolution, a formal binding arbitration claim is being filed immediately through Arbitration Resolution Services (ARS). My Desired Outcome: Immediate authorization for a fully matched, code-compliant system replacement or an accurate Cash-in-Lieu buyout under the policy's aggregate limit to allow the hiring of an independent licensed contractor.

They never send me the contact via email or mail. I have made tons of calls everytime is” we will call you back in two hours.” There is no call back. I am extremely DISAPPOINTED. There is no resolution. I have given them the name of the representative that signed me up. I have requested to pull the phone records and I have no success. This situation is since June. They advised me just to change the plan they transfer me from one place to another. They advice me to get a higher plan with AHS which I did the technician came and said this is a pre existing and we are still without ac. I need a solution please. I will go to the BBB and will put a complain with the General Attorney's Office.

It has now been over a month, and we are still waiting for 2-10 to resolve the claim or provide the replacement. I have contacted the company multiple times trying to get an update. I have repeatedly been placed on lengthy holds, transferred around, or disconnected, and I still have not received a clear answer regarding when our microwave will be replaced. We have been loyal customers since 2019 and have continued paying for this warranty with the expectation that when a covered appliance fails, the company will honor the warranty and handle the claim within a reasonable amount of time.

I am extremely disappointed with the lack of communication and follow-through. I don’t know what has changed with 2-10, because this was not our experience with them in the past. However, after seeing the number of recent complaints from other customers describing delays and communication problems, I believe these concerns need to be taken seriously. At this point, I am simply asking 2-10 Home Buyers Warranty to honor our warranty, complete the claim, and replace our microwave as recommended by the service technician. More than a month without a resolution or meaningful communication is unacceptable.

I finally got the correct email and then resent all the required paperwork. After having to email a few times asking for confirmation they received everything, they said the address didn't match what they had in the system and they showed what they had. Drive was left off the street address. So we corrected that. Then they didn't like the invoice that was submitted that we received from the company who did the work. Each time something is submitted a few days later something else is missing or wrong. It's been a month and a half and we still have not been reimbursed. WE ARE NEVER USING 2-10 HOME BUYERS WARRANTY EVER AGAIN!!!!

It is very difficult to get a hold of 2-10. I have spent up to three hours on the phone at one given time and I have had multiple calls with them. No one knows the answer to anything so after sitting on hold for over an hour, they will transfer you to someone and then transfer you again until you get disconnected. This has got to be illegal. I would like to know how to pursue this.

I called customer service again and explained that claims didn't have access to my account and I was told that they should, so I was reconnected to the claims department. The phone rang for 45 minutes and without speaking with anyone, I was sent immediately to the survey and the phone call cut off. I called customer service again and after another 45 minutes on hold, I spoke to someone in claims who once again said they don't have access to my account and someone would reach out to me on Wednesday. Great. Wednesday came and went, no call. Thursday, no call. Friday I called back at 11am to see what was going on. They said they didn't have access to me in the current system and someone would call within 1-2 hours. We waited 6 hours. No call back.

I called back and was told once again that they don't have access to me in their system and that someone would call back. Clearly, I wasn't getting called back and explained this. They said if I call back before the time I was quoted occurs, I get put in the back of the line. Well... I did wait each time. I was guaranteed a call back on Friday night. I know this is going to come as a shock, but I was not called back. It's now the weekend and I've received 2 surveys to ask if everything was going well with our work order. It most definitely is not. I filled out both of those requests to get a call back and of course it says I'll get a call next week. No help on the weekend. Why even send those surveys out on the weekend?

Do not use this company!!! They have the worst customer service. I can't even get help on this problem because they don't have access to my account because it's not on their current system. If that's a problem they are having, they need to have a process to help those people. Whatever they are doing now is not working. They figured how to charge my credit card even though my account was in another system. They should be able to figure out how to at least provide basic customer service. I can't even talk to someone about a basic question at this point.

They advertise things like "happy homes", "timely response and scheduling", "peace of mind", etc. We are not happy taking cold showers, no peace of mind that this is going be to resolved any time soon and there's been no timely response from 2-10 in calling us back. They falsely advertise great reviews but a simple search shows how awful this company is to work with. I'm sorry for ever recommending this company to anyone.

Afterward, I contacted 2-10 Home Buyers Warranty and was instructed to complete an OSA form and submit it with my invoice for reimbursement. I did exactly that nearly a month ago. Since then, I've called at least 20 times to check on the status of my claim. Every single time I'm told the same thing: "We're not authorized to handle your claim. The appropriate person will call you back." That callback has never happened.

At this point, it feels like they're intentionally giving customers the runaround instead of honoring the warranty they sold. They were nowhere to be found when I needed them most, and they continue to avoid addressing my claim. If you're considering purchasing a home warranty, think twice before choosing 2-10 Home Buyers Warranty. Based on my experience, they were happy to take my money, but when it came time to provide the service I paid for, they failed completely.

This house keeps my elderly mother cool and alive which is a basic human need in Arizona, I might find her dead now entering August from heat exhaustion. Avoid warranty companies for your life!!!

The contractor has been transparent and helpful throughout this. They answered my questions and clarified that the inspection report I received was the same report they submitted to 2-10. That report says nothing about the evaporator-coil problem being pre-existing. Despite that, 2-10 continued claiming the denial was based on a pre-existing condition while refusing to explain what evidence supported that conclusion. Based on this experience, it honestly feels like “pre-existing condition” may be a default denial label they use when they do not want to pay a claim, whether or not the contractor’s report supports it. In my case as well as many others, they have refused to provide any proof no matter how many times I call them.

2-10 also repeatedly blamed the contractor, even though the contractor was the only party willing to explain what was happening. Meanwhile, 2-10 refused to provide the inspection report or their complete claim notes. I asked them to communicate with me by email so there would be a written record, and they would not do that.

Everything had to happen through phone calls with different representatives, different phone numbers, and different Philippines-based call centers. Every time I called, I had to explain the entire situation again. Nobody ever seemed to have a complete understanding of the claim, and nobody took responsibility for getting to the bottom of it. One representative finally made it sound like progress was being made. He offered me a free second-opinion inspection and explained that a possible resolution might require me to pay certain costs directly to the contractor. I agreed to that.

When I called the contractor, they had no idea what 2-10 was talking about. They told me the claim had actually been fully denied and that they had not received any approval for further action, inspection or for a repair involving out of pocket costs. That has been the pattern throughout this process. A representative finally says something useful, but when I follow up, the contractor has been told something completely different. There is never one complete explanation, one person responsible for the claim, or one written decision that clearly states what happened.

When I confronted 2-10 about their description of the inspection report not matching the actual report, they did not explain the discrepancy. Instead, I was transferred to an American Home Shield claims department, which is a COMPLETELY DIFFERENT COMPANY. Every time I pushed back, asked for documentation, or pointed out a contradiction, I was transferred, redirected, given another number, or left with another vague explanation. They always seemed to find a way to avoid directly answering the issue.

At this point, I still do not have a consistent written denial reason or a clear explanation of how they reached their decision. I have spent hours calling 2-10 and the contractor, waiting on hold, simply trying to find out what is happening with my own claim. The worst part is that this did not feel like a genuine investigation of my claim. It felt like a strategy of exhausting the customer until they give up: deny first, change the explanation when challenged, refuse to provide records, blame the contractor, and transfer the customer somewhere else whenever the facts stop supporting the denial. I paid for coverage, not for the privilege of spending hours proving that 2-10’s own representatives were contradicting their contract, their contractor, and each other.

At some point, the sheer level of confusion stops looking accidental. A company handling home repair claims should know why a claim was denied, be able to show the customer the report it relied on, and stand behind one consistent explanation. 2-10 could do none of those things. Every call produced a new story, a new representative, or another dead-end transfer, but never an actual answer. The only thing they handled consistently was making sure nobody took ownership of the decision. A home warranty is supposed to make a major repair easier. With 2-10, the claim process became a second problem on top of the broken air conditioner. I would never recommend this company to anyone.

Since that one report, we have had multiple other contractors come out and report that the issues with the unit are, in fact, normal wear and tear and two different contractors suggested a coil repair. This repair requires us to pay a decent sum out of pocket, which I still do not understand the basis of based on their contract, but we agree to pay the charges to get this resolved. Weeks later, without any communication directly from 2-10, and after calling back multiple times, we learned that the contractor does not stock the needed part and that they weren't able to order it, putting us back at square one. It was at that point that a full unit replacement was suggested and, again, that required us to pay a decent amount of of pocket, which we agreed to do.

The replacement was submitted to the contractor and we were under the impression that we were simply waiting on the contractor to get the unit and materials in stock to complete the work now, 10-days later, we get a call from the contractor saying the claim has been denied as the issue is not normal wear and tear, likely due to the prior disproven report submitted 3-4 contractors ago. The contractor assured us that the claim was submitted as normal wear and tear. 2-10 is simply coming up with any reason they can to avoid covering the repairs/replacement. We have been without a working unit for months, it is July, and we live in Georgia. The communication with 2-10 has been relatively non-existent.

Their customer service reps all work from home and when you call it takes them forever to go through the file, read notes, and they are confused about the history of the claim and ongoing issues and don't have authority to actually fix anything or assist. Since they work from home, the only option they have is to escalate the claim and then you have to wait 4 hours, or several days, for a supervisor to call you back. My husband has spent days on the phone with these guys trying to sort this out and it just gets more and more messy each time. I have demanded to speak with a supervisor or their in-house counsel and that doesn't work either.

Their customer service is unacceptable and so is their claims handling process. They refuse to put anything in writing, which is clearly to cover their own behinds in the event of legal action. Keep notes and record all calls when dealing with them. Now they are saying that the claim is denied and they will not review it again until we have submitted proof that the issue identified in April has been repaired and/or replaced. They want us to fix or replace the unit over something that is unrelated to the issue and/or doesn't exist and are using that as the basis to jerk us around and leave us without working a/c for months. This is a scam of a company.

When my outdoor condensing unit finally failed, I was told that the only covered failure was the condensing unit itself. However, I was also informed by both the HVAC technician and a 210 representative that there are compatibility issues with my system. Despite acknowledging those compatibility issues, 210 denied replacement because I do not have its optional Plus Coverage and instead offered me only $560 toward labor and parts.

What I find most troubling is the inconsistency. If compatibility issues are serious enough to deny replacement, how is replacing only the outdoor unit an appropriate long-term solution? The company has never provided assurance that the proposed repair will eliminate those compatibility issues or that I won't face future claim denials because of the same incompatibility they have already acknowledged.

I also question why repeated repairs were authorized for years on equipment that had already been discontinued while I continued paying my warranty premiums in good faith. Had I been informed earlier that the system was obsolete and that compatibility would become an issue, I could have made informed decisions about replacing the equipment before reaching this point.

As a consumer, I expect transparency, consistency, and a solution that restores my covered system to reliable operation. Instead, I have been left with an obsolete HVAC system, acknowledged compatibility issues, uncertainty about future coverage, and a settlement offer that does not come close to addressing the long-term problem.

My advice to anyone considering 210 Home Warranty is to carefully review every coverage limitation, particularly those related to HVAC systems, compatibility, obsolete equipment, and optional coverage upgrades. Ask detailed questions before purchasing a policy so you understand exactly what will happen if your system contains discontinued components. Based on my experience, I cannot recommend 210 Home Warranty. While the company dispatched technicians and responded to service requests, I was disappointed by the ultimate resolution and the lack of a fair, long-term solution after years of faithfully paying my premiums.

On May 15th, 2026, my refrigerator stopped working. Five different contractors were assigned to evaluate the refrigerator but only four scheduled an appointment and came to my house, requiring multiple days off work. I lost my twin brother to cancer, and my refrigerator received more second opinions than he did. I was told each contractor has 48 hours to reply to you once contracted by 2-10 Home Buyers Warranty. It could then be a few days to over a week for the contractor to show up for an evaluation. 2-10 Home Buyers Warranty could not take any action without a diagnostic report from the contractor after the evaluation, which sometimes took 48 hours to a week to get and required multiple calls and escalations to 2-10 Home Buyers Warranty.

My refrigerator stopped working on Friday, May 15th, 2026. The first contractor showed up Monday, May 18th, 2026. The fourth contractor showed up on Thursday, July 9th, 2026. I’ve kept a timeline of events that is now five single-spaced pages long—for one refrigerator. One contractor replaced the compressor, but it only worked for four days. They refused to work on it further. After the fourth contractor stated it could not be repaired, 2-10 Home Buyers Warranty authorized a replacement on July 9th, 2026, and sent an offer to replace my premium Energy Star rated KitchenAid refrigerator with a non-Energy Star rated Hisense Model HRS290P5FSE that retails at Lowes for $1,299.99. They also offered a Cash Offer of $822.40.

The comparable model to my refrigerator, the KitchenAid KRFF507HPS, retails for between $2,700-$3,500. Although the contract specifically states, “If we determine replacement is appropriate, we will use reasonable efforts to find a replacement Item or Component (a “Replacement”) that performs the primary function, capacity and efficiency of the Covered Item or Component being replaced.”, 2-10 Home Buyers Warranty maintains that a non-Energy Star rated refrigerator with a demonstrated lack of functions meet the contractual obligations.

I am unable to accept the proposed options as I believe they do not satisfy the contract’s requirement that a replacement perform the primary function, capacity, and efficiency of the covered item—a non-Energy Star rated refrigerator is not as efficient as an Energy Star rated refrigerator. Per Energy Star’s website, certified refrigerators are typically 9% more efficient than the federal minimum energy efficiency standard and can save consumers approximately $150 over the 12-year lifetime of the product compared to older, non-Energy Star rated refrigerators.

After my experience, I came away with the impression that the process wears down customers through repeated delays, communication, time off work, and costs for purchased food. If purchased without authorization, the company may offer substantially less than the amount needed to purchase a comparable replacement. Not many families would be able to go over two months without a working refrigerator. I worked in good faith with the 2-10 guidelines and am still without a viable option to replace the refrigerator. I’m currently consulting an attorney to evaluate my options and may be proceeding with arbitration. If anyone is considering a home warranty, especially with this company, I advise them to take the monthly payment that they would pay for the warranty and place it in a high interest yielding savings account. They will then have money to offset an appliance failure and be in control of their own destiny.