2-10 Home Buyers Warranty: Our Review

2-10 Home Buyers Warranty has long been a player in the home warranty industry. Read our 2-10 home warranty review to learn about its benefits & drawbacks.
By Home Service Research Team
November 20, 2020
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2-10 Home Buyers Warranty sells home warranty plans for homeowners, builders, and real estate professionals. Covering over six million homes, 2-10 is one of the most well-known home warranty companies in the industry. The provider states that it reimburses customers for 97.5 percent of all the claims it receives. 

In this 2-10 home warranty review, our Reviews team examines the company’s coverage plans, cost, customer reviews, and more. We also share information on alternative home warranty providers that are worth considering.

In this article:

  • Background & Availability
  • 2-10 Home Buyers Warranty Plans
  • 2-10 Home Buyers Warranty Cost
  • Reviews of 2-10 Home Warranty
  • How to Submit a Claim
  • Verdict & Recommendation
  • Best Home Warranty Companies
  • Frequently Asked Questions About 2-10 Home Buyers Warranty

Background & Availability

2-10 Home Buyers Warranty has sold home warranty plans for four decades. It is a member of the National Home Service Contract Association, which represents the nation’s most reputable home warranty providers. The company’s services are available in 44 states, including all but Alaska, Hawaii, New Hampshire, Oklahoma, Wisconsin, and Wyoming.

2-10 Home Buyers Warranty Plans

2-10 offers five coverage plans, providing customers with more options than most other home warranty companies. However, packages and availability of add-on options vary by zip code. The five plans include the Simply Kitchen, Simply HVAC, Essential Home, Complete Home, and Pinnacle Home plans.

2-10 Home Buyers Warranty Plans

The Simply Kitchen plan might be an option worth considering if you’re a homeowner seeking coverage for basic kitchen appliances. The plan covers the following items:

  • Refrigerator (with ice maker/crusher)
  • Dishwasher
  • Range, oven and cooktop
  • Built-in microwave

Alternatively, if you’re looking to purchase coverage exclusively for heating and cooling systems, the Simply HVAC plan might be a better fit. The plan offers coverage for:

  • Heating system
  • Air conditioning and heat pump
  • Thermostats

The Essential Home package provides coverage for all items covered under the Simply Kitchen and Simply HVAC plans. In addition, homeowners can opt for the Complete Home plan, which covers all items in the Essential Home plus these key plumbing and electrical items:

  • Pipe leaks or breaks
  • Drain line stoppages
  • Water heater (tankless/direct vent)
  • Toilets
  • Sump pump
  • Valves
  • Pressure regulators
  • Electrical wiring
  • Switches
  • Outlets
  • Panels
  • Doorbell

The most comprehensive plan is the Pinnacle Home package. Ideal for homeowners who want peace of mind in knowing that they have as many items as possible covered, along with a company that can quickly connect them with a technician who can address any issues, this plan covers everything in the Essential Home package plus:

  • Haul away/disposal fees
  • Handles, hinges, clocks, racks, shelves, baskets, rollers, knobs, dials, latch assemblies, springs, interior lining, turntable platforms, rotisseries, glass/ceramic cooktops, self-cleaning mechanisms
  • Filters
  • Refrigerant recovery and recharge
  • Crane cost
  • Burglar and fire alarms
  • Attic and bathroom exhaust fans
  • Concrete encased/concealed wiring
  • Interior and exterior hose bibbs
  • Polybutylene and PEX plumbing systems
  • Concrete encased/concealed plumbing

Optional Add-ons

Like many other home warranty companies, 2-10 Home Buyers Warranty allows homeowners to purchase optional add-on coverage options. When signing up for a 2-10 home warranty, your extra coverage options include:

  • Supreme coverage (this includes all items covered in the Pinnacle Home plan that are not covered under the other plans)
  • Plumbing and electrical
  • HVAC surplus
  • Additional refrigeration
  • Extended pipe leak
  • Roof leak
  • Septic system
  • Well pump
  • Pool/spa equipment
  • Washer and dryer
  • Garage door opener
  • Pre-season HVAC tune-up
  • Luxury package
  • Water softener

2-10 Home Buyers Warranty Cost

2-10’s plans start as low as $19.99 per month. The sample quote we received for a single-family home in Raleigh, North Carolina, was $27 for the cheapest plan, which was the Simply Kitchen package. This fell on the cheaper end of the $25-$60 per month range we commonly see in the home warranty industry. The Essential Home package in our sample quote was priced at $46 per month, while the Complete Home plan was $55. Options for the Simply HVAC and Pinnacle Home packages were not included in the sample quote.

The company charges an $85 service fee for each claim made by a homeowner. This service fee is pricier than some providers but is also well within the typical industry range of $75 to $125 per submitted claim.

Reviews of 2-10 Home Warranty

2-10 Home Warranty holds an A- rating from the Better Business Bureau (BBB), which evaluates companies on factors such as the number of complaints an organization has received and whether it responds to these complaints in a timely manner.

In terms of customer satisfaction, the company has received generally negative reviews from customers. 2-10 Home Warranty holds a one-star average rating on its BBB webpage and a one-star average rating on its Yelp webpage. Many customers reported that the company’s customer service was inadequate in addressing their needs and that claims they expected to be covered based on their policy were denied.

Here is a sample of 2-10 home warranty reviews we found:

“In my experience, [2-10 Home Buyers Warranty] will not replace items. So, I would recommend avoiding this service if you hope [2-10] will replace anything in your home. Odds are [the company] won't.” - Ariel M. via Yelp in December 2019

“I waited three days for a call from the area contractor to fix my refrigerator. It was an emergency. [2-10 Home Buyers] customer service agent never called back with a new provider either. Very bad service.” - Walter B. via Yelp on August 26, 2020

How to Submit a Claim

Customers can submit claims to 2-10 by calling the company at 1-800-775-4736 or through the company’s homeowner portal. The company responds to submitted claims within 48 hours.

Verdict & Recommendation

2-10 Home Buyers Warranty has a long history as a home warranty company, and its lower-priced plans are among the most affordable in the industry. The company also offers an extensive list of add-on options, which can make it easier for homeowners to get protection for specific items they need covered. One area of concern our Reviews team has with 2-10 is that its customer reviews are largely negative. 

We recommend that homeowners considering a home warranty get quotes from multiple companies to find the right plan for their needs. In particular, American Home Shield, which serves nearly two million customers and offers rare benefits such as coverage for items damaged by rust or corrosion, is a company worth considering. Choice Home Warranty is another great option, specifically for older homes, while Select Home Warranty might be the right fit for budget shoppers.

For a free quote from American Home Shield, call 844-529-9298 or fill out this quick form. To get a quote from Choice Home Warranty, call 929-400-6165 or complete this form. For Select Home Warranty, get a free quote by calling 888-370-3956 or by filling out this form.

Best Home Warranty Companies

In order to help our readers find the best home warranty plan for their needs, we analyzed and ranked a variety of home warranty companies based on the breadth of their coverage, their cost, their reviews, and other key factors.

The lists below detail information on the companies earning the highest scores and their strengths.

Choice Home Warranty

  • Get a free quote: Call 929-400-6165 or complete this form
  • Our verdict: Best for Older Homes
  • Number of plans: 2
  • Monthly cost: $36.17–$43.85
  • Service fee: $60–$85
  • State availability: All but CA and OK
  • BBB rating: B-

Amazon Home Warranty

  • Get a free quote: Call 866-605-8194 or complete this form
  • Our verdict: Best Add-Ons
  • Number of plans: 3
  • Monthly cost: $42.00 to $52.00
  • Service fee: $75
  • State availability: All but CA, IA, ME, OK, and WA
  • BBB rating: Not rated

Select Home Warranty

  • Get a free quote: Call 888-370-3956 or complete this form
  • Our verdict: Best for Budget Shoppers
  • Number of plans: 3
  • Monthly cost: $35.83–$37.50
  • Service fee: $75
  • State availability: All but NV, NY, and WA
  • BBB rating: B-

American Home Shield

  • Get a free quote: Call 844-529-9298 or complete this form
  • Our verdict: Best Overall
  • Number of plans: 3
  • Monthly cost: $49.99–$59.99
  • Service fee: $75–$125
  • State availability: All but Alaska
  • BBB rating: B

Frequently Asked Questions About 2-10 Home Buyers Warranty

Is a home warranty really worth it?

The answer to this question depends on what a homeowner means by the phrase “worth it”. Over the course of several years, many homeowners will pay more for a home warranty plan than they would by paying for their repairs or replacements out of pocket. 

However, a home warranty plan provides value by helping homeowners maintain financial stability when an unexpected repair or replacement is needed. Most homeowners cannot afford repairs costing thousands of dollars, and a home warranty plan gives them peace of mind by shielding them against such high costs.

Is a 2-10 home warranty transferable?

Yes, 2-10’s home warranties are transferable. When a homeowner sells their home, they can contact 2-10 Home Buyers Warranty to transfer the contract to the new owner. Mentioning the ownership of home warranty coverage during the sale of the home might help increase its selling price.

Is there a waiting period with 2-10 Home Warranty?

It depends. When a home warranty plan with 2-10 is purchased outside of a real estate transaction, there is a 30-day waiting period before coverage begins and a claim can be submitted. When a plan from the company is purchased as part of a real estate transaction, the warranty coverage becomes effective at the date and time of closing.