If you’re looking for a home warranty to cover the costs of repairing broken-down household systems and appliances, there are plenty of providers to choose from. This guide compares Choice Home Warranty with 2-10 Home Buyers Warranty to help narrow your options.
They take different approaches to coverage, pricing and add-ons, so choosing the best fit usually depends on whether you want broader protection up front or more plan flexibility. Keep reading to learn more.
Key insights
Choice Home Warranty bundles both appliances and internal home systems in all its base plan options.
Jump to insight2-10 Home Buyers Warranty currently offers an entry-level Systems plan and a more comprehensive Pinnacle plan that adds appliance coverage.
Jump to insightBoth companies offer add-on coverage, but 2-10’s list is more focused on a few specialized options that might be important to you.
Jump to insightChoice Home Warranty vs. 2-10 Home Buyers Warranty cost
The best option may depend on the type of coverage you need upfront and how you want pricing to be structured. Choice Home Warranty currently offers two plans, both of which include coverage for systems and appliances for comprehensive protection from the start. 2-10 Home Buyers Warranty offers specialized entry-level options that cover only appliances, as well as a higher-priced comprehensive plan.
Choice Home Warranty plans and pricing
Choice Home Warranty offers two plans, Basic and Total, with an adjustable service fee that typically ranges between $75 and $100 per claim. Both plans include major systems and appliances, and you can get a discounted rate on either by paying annually instead of monthly.
The figures below are ranges from our research, but your exact cost will vary depending on your location and your home’s features:
| Basic | Total | |
|---|---|---|
| Monthly cost | $49.17 | $57.50 |
| Yearly cost | $560 | $660 |
2-10 Home Buyers Warranty plans and pricing
2-10 Home Buyers Warranty lists two main homeowner plans: Systems and Pinnacle. The Systems plan covers parts of 19 major home systems, while Pinnacle covers up to 28 major home systems and appliances. Pinnacle plans also include up to $5,000 for heating and AC repair or replacement and up to $2,000 per appliance for repair or replacement.
2-10 plans come with a flexible service fee structure of $75, $100 or $125 — it’s your choice. Opting to pay more out of pocket when you need a repair reduces your plan's monthly cost:
| Service fee | Systems plan | Pinnacle plan |
|---|---|---|
| $75 | $49.99 | $69.99 |
| $100 | $39.99 | $59.99 |
| $125 | $29.99 | $49.99 |
Choice Home Warranty vs. 2-10 Home Buyers Warranty coverage
Coverage is one of the biggest differences between these two companies. 2-10 Home Buyers Warranty offers a dedicated entry-level plan that covers your home systems, leaving appliances for its highest tier. Choice Home Warranty, on the other hand, bundles both systems and appliances into all its plans — including its most basic plan — which might be better if you need comprehensive protection from the start.
| Coverage item | Choice Basic | Choice Total | 2-10 Systems | 2-10 Pinnacle |
|---|---|---|---|---|
| Air conditioner | ||||
| Electrical | ||||
| Heating | ||||
| Plumbing | ||||
| Ductwork | ||||
| Sump pump | ||||
| Water heater | ||||
| Interior plumbing lines | ||||
| Interior electrical lines | ||||
| Exterior plumbing lines | ||||
| Exterior water lines | ||||
| Refrigerator | ||||
| Dishwasher | ||||
| Oven | ||||
| Range | ||||
| Cooktop | ||||
| Built-in microwave | ||||
| Garbage disposal | ||||
| Ice maker | ||||
| Hot/cold water dispenser | ||||
| Range exhaust hood | ||||
| Kitchen exhaust fan | ||||
| Clothes washer | ||||
| Clothes dryer | ||||
| Toilets | ||||
| Whirlpool bathtub | ||||
| Faucets | ||||
| Ceiling fans | ||||
| Attic fans | ||||
| Doorbells | ||||
| Garage door openers | ||||
| Roof leak repairs | ||||
| Main breaker | ||||
| Plumbing stoppages | ||||
| Home electronics | ||||
| Smoke detectors | ||||
| Jetted tub components | ||||
Choice Home Warranty vs. 2-10 Home Buyers Warranty add-ons
Choice Home Warranty offers a wider variety of specialty add-ons, including septic systems, septic tank pumping and stand-alone freezers. 2-10 Home Buyers Warranty covers the basics, like pool and spa protection, but offers fewer unique options. Your choice may depend on whether you need coverage for less common home items.
Choice Home Warranty add-ons
You can choose to include up to nine add-ons with any Choice Home Warranty plan. Here’s the full list of available additional coverage items:
- Pool/spa
- Central vacuum
- Second refrigerator
- Well pump
- Limited roof leak
- Standalone freezer
- Sump pump
- Septic system
- Septic tank pumping
2-10 Home Buyers Warranty add-ons
2-10 Home Buyers Warranty offers six add-ons. The monthly pricing for these optional coverage items is listed below:
| Optional coverage | Monthly cost |
|---|---|
| Septic system ejector and pumping | $4 |
| Well pump unit | $6 |
| Roof leak repair | $8 |
| Pool and built-in spa equipment | $18 |
| Whole home electronics protection | $18 |
| Guest unit coverage extension | $20 |
What Choice Home Warranty customers say
Choice Home Warranty has over 76,000 reviews on ConsumerAffairs, with an average rating of 4 out of 5 stars as of publishing. Customers say the reps are polite, professional and knowledgeable. Many criticisms concern claims being denied, often due to coverage limitations. Overall, customers report being satisfied with the coverage CHW provides.
This was the first time I've had to use my Choice Home Warranty. The claim was easy to file online and I was pleasantly surprised that an HVAC company called to schedule an appointment so quickly. Once he arrived, he was very professional and very informative.”
What 2-10 Home Buyers Warranty customers say
2-10 Home Buyers Warranty currently has over 6,000 reviews on ConsumerAffairs. Several reviews mention good coverage and helpful representatives. Many customers, however, have criticisms about wait times and issues with not having technicians nearby.
I did two claims with 2-10 at the same time. ... I had a clogged drain. They immediately messaged me, saying, ‘We're looking for somebody.’ After that, an automated message said, ‘We found somebody,’ and then, the next workday, somebody called me. They scheduled a time and came out quickly. From the website to the contractor that they got, I have zero complaints.”
Bottom line: Choice Home Warranty or 2-10 Home Buyers Warranty?
Choice Home Warranty and 2-10 Home Buyers Warranty each solve a different problem. Choice is simpler overall if you want broad coverage that includes both systems and appliances, while 2-10 gives you a lower-cost systems plan and a more complete Pinnacle plan option if you want to step up coverage later.
- Choice Home Warranty is best for homeowners who want coverage for both appliances and systems in a single plan from a well-reviewed provider.
- 2-10 Home Buyers Warranty is best for homeowners who want an affordable entry point with the option to upgrade to more comprehensive coverage.
