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
    Claims HandlingRefunds & Payouts

    Reviewed June 28, 2025

    Wish I could give “0” star rating. In 7 years we’ve had to use them 3 times. Each time was a hassle with their claims process and 2 of the times we had to pay out of pocket because it was over a weekend (their claims department is closed on weekends) and was an emergency (broken water heater once and no AC the other). We could start a claim on-line over the weekend but it wouldn’t be processed until Monday. When the AC went down it was on Fri at 5:10pm. The on-line work order recommended an in-service AC repair company, but they were closed and didn’t open until Monday. No way were we waiting until Monday when it was 85 degrees in the house.

    2-10 has an option to go out of service but you need to provide a description from a certified HVAC company before they will approve, which again wouldn’t happen until Monday. Besides what company is going to come out, write up a diagnosis for us to provide and maybe we won’t get approved for their services - so stupid. Anyway, nothing but problems with 2-10 Warranty and would not recommend them - we feel ripped off and will be dropping them as soon as our contract is up. Save yourself some frustration and go with another company, any company.

    Thanks for your vote!
    2-10 Home Buyers Warranty
    Response from 2-10 Home Buyers Warranty

    Hi Dan, we're sorry to hear how you feel. What you described is not the experience we aim to provide as we pay out 97.5% of all claims placed with us. If you feel we did not honor our coverage, please give us a call and we will review your claim with you. We appreciate your patience, and we’ll do our best to make sure that you have a more positive experience next time.

    Profile pic of the author.
    Customer ServiceClaims HandlingTech

    Reviewed June 26, 2025

    This company is NOT interested in the best interest of the consumer. They will go to ANY length to push out a claim for non-payment. The hold times are ridiculous. I was on 3 way call multiple times for over an hour with the 2-10 representative and my out of network contractor (due to long wait time for in network to 2-10). We were on these call for well over an hour some times close to 2 hours with several holds in between. The questions go round and round to each and every component of the HVAC system.

    The contractor was very accommodating, however, once ALL required diagnostics and information was submitted, 2-10 required a second opinion from their in-network vendor. This would have pushed the repair out another 2 weeks to a month in the Full June/July Heat (currently 104 degree index). Not worth the money, time and energy fighting with these crooks over the pennies they will agree to pay. SAVE YOUR MONEY and TIME!!!!

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    Resolution In Progress

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      Claims HandlingTechRefunds & Payouts

      Reviewed June 20, 2025

      Absolutely the Worst Experience I've Ever Had With a Home Warranty Company. This has been, hands down, the worst experience I’ve ever had with any professional service. It started when our hot water heater broke. It took three days just to get a technician out, and when they finally arrived, all they did was flip a switch and claim the issue was resolved — it wasn’t. They closed the claim anyway. When we called the warranty company, they said it would be another week just to send someone to properly diagnose the problem. Out of desperation, we asked what other options we had. They told us we could hire our own plumber and they would reimburse us. We paid out of pocket for a brand new water heater — and of course, we never saw a cent reimbursed.

      Then came the air conditioning breakdown, in June, in Florida. It broke on a Monday. The technician came Wednesday, said he’d return Thursday to fix it — and then disappeared. No one contacted us. When we followed up, the warranty company claimed the technician never filed a report. The HVAC company later told us a major part was needed, which would take time to order.

      We were told the earliest fix might be next Friday — two full weeks without air conditioning, in a house that’s been over 86 degrees inside. We have a small animal who can’t tolerate the heat, and we’ve now been forced — again — to consider paying out of pocket just to live in humane conditions. This company, 2-10 Home Warranty, has completely failed us. Unresponsive, unreliable, and deceptive about reimbursements. As a homeowner, I urge you to stay far away from this company unless you’re prepared to wait weeks for essential repairs and pay for everything yourself anyway.

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      Resolution In Progress
      Claims HandlingCoverageTech

      Reviewed June 19, 2025

      Several months after buying a Supreme policy, I had a washer drain pipe leak/overflow that ruined floors and drywall. To mitigate and stop the water I paid for an emergency plumber to come out. After waiting 45 minutes, the operator, who was "difficult" and unhelpful, said they had no department for that and I should have waited 48 hrs. after the leak so that they could determine an emergency! They refused to even open a claim. Not only did they refuse to send out a contractor, they refused to pay for clearly covered items. She would not discuss the water damage saying that I didn't have a "structural" policy - whatever that is.

      On the only previous time I tried to make a claim, they refused to process it, saying I didn't have the plan that covered plumbing (which I did). Deceitful company with no intention of paying out on claims. I had 2 policies with 2-10. Both will not be renewed, a total waste of money for $600 (each). This company should be referred to the State Consumer Fraud agency.

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      Resolution In Progress
      Customer ServiceClaims HandlingTech

      Reviewed June 11, 2025

      I am very disappointed in the service of 2-10 Home Warranty! It's very difficult to get people answer the phone at times. Phone rings forever and have you listening to music for 15 minutes before you decide to hang up. They are horrible about keeping you updated on status of claims or work. When things are needing to be resolved, there's no sense of urgency of your situation. I have been either without a refrigerator or not able to use the one they have replaced for now going on 3 weeks. It's not their family or food so they act as they can careless about expediting your concern. Apparently they use shotty contractors that contributes to their horrible customer service. Once I get my issue rectified, I will cancel my service to find a more reputable provider. This is just SAD.

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      Resolution In Progress
      Customer ServiceTech

      Reviewed June 4, 2025

      If you desire to spend hours trying to find someone willing to accept the meager rates they will pay and weeks waiting for the approval and reimbursement of a repair then this is the company for you. I have been a customer since the 1990s and I must say that this company has gone to pots. They used to take care of the customer and truly give you peace of mind but no more. I think it's time for me to say goodbye and start putting more money in my emergency fund....at least I won't have to haggle with contractors and argue to get paid.

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      Resolution In Progress
      Customer ServicePunctuality & SpeedRefunds & Payouts

      Reviewed June 3, 2025

      Their service providers sent to replace a garbage disposal never got authority and we wasted months and ended up doing it ourselves and they said they would reimburse but they won’t send us reimbursement. They have insane wait times to reach anyone by phone. I did not renew. Waste of time and money.

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      Resolution In Progress
      CoveragePrice

      Reviewed June 2, 2025

      Do not give them your business. We've held a home warranty with them since 2017. When it came time to finally exercise the warranty and get a significant repair done with regards to our HVAC unit, they paid $200 of a $1600 job. For situational awareness, we had the supreme package and the luxury package add-ons for total coverage. You will not get a return on value for the money you pay 2-10. Take the money you would otherwise pay them, put it into a high interest account, and save it for when something fails/needs fixing.

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      Claims HandlingTech

      Reviewed May 22, 2025

      Finally had someone come out this past Friday and tell me the exact same thing. The other two companies told me that the unit needed to be fully replaced, and it was because of how nothing was done to code and install error. Mind you this is the company they hired to come and take a look at my property. 210 an hour later after receiving their contractor's recommendation for replacement cancel my claim and denied it and said it was due to service install error even though they are the ones who installed it in the first place.

      Now they’re giving me the runaround about how I need to wait 3 to 5 more business days to hear back from them to figure out what the next steps will be. Mind you I have this gas leak in my house active this entire time. They do not care about my family safety or health. beyond the most incompetent people I’ve ever had the misfortune of dealing with. Stay away from this company at all costs, absolute terrible service. Truly don’t care about anything other than their bottom line.

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      Customer ServiceClaims HandlingTechRefunds & Payouts

      Reviewed May 16, 2025

      I regret ever signing up with this home warranty company. When my air conditioner broke in the middle of summer, I filed a claim right away. It took them over a week just to send a technician, who was clearly overbooked and rushed. After the inspection, they denied the claim, saying it was a “pre-existing condition,” even though it had been working fine until it suddenly stopped. Customer service was unhelpful and borderline rude. I had to make multiple calls just to get basic updates, and every time I spoke to someone new who had no idea what was going on. In the end, I had to pay out of pocket for the repair. This company is quick to take your money but slow to provide any real service. Avoid at all costs.

      Thanks for your vote!
      2-10 Home Buyers Warranty
      Response from 2-10 Home Buyers Warranty

      Hi Robin, we're sorry to hear how you feel. What you described is not the experience we aim to provide as we pay out 97.5% of all claims placed with us. If you feel we did not honor our coverage, please give us a call and we will review your claim with you. We appreciate your patience, and we’ll do our best to make sure that you have a more positive experience next time.

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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