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2-10 Home Buyers Warranty Review | 2021

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.
Each product we feature has been independently selected and reviewed by our editorial team. If you make a purchase using the links included, we may earn commission.

2-10 Home Buyers Warranty sells home warranty plans for homeowners, builders, and real estate professionals. Covering more than 6 million homes, 2-10 is one of the best-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, the Home Service Research Team examines the company's coverage plans, cost, customer reviews, and more. We also share information on the best home warranty companies that are worth considering.

Best for Appliances Coverage
2-10 Home Buyers Warranty

2-10 Home Buyers Warranty Pros & Cons



24/7 customer service line

Has limited contractor availability

Provides specific coverage for real estate transactions

$100 service fee is high compared to other providers

Coverage can start as low as $22 per month


Background & State Availability

2-10 Home Buyers Warranty is a member of the National Home Service Contract Association, which represents the nation's most reputable home warranty providers.

  • Years in Business: 38 years
  • BBB Rating: B+
  • Number of Reviews: 400+
  • State Availability: 42 states*

*2-10 Home Buyers Warranty is unavailable in Alaska, Hawaii, Montana, New Hampshire, North Dakota, Oklahoma, Wisconsin, and Wyoming.

2-10 Home Buyers Warranty Plans & Coverage

2-10 offers three coverage plans: Simply Kitchen, Complete Home, and Pinnacle Home.

Plan What's Covered

Simply Kitchen: Best for Basic Kitchen Appliances

Covers these kitchen appliances:
Dishwasher ✓
Built-in microwave✓
Refrigerator (with ice maker)✓

Complete Home: Best for Kitchen & Major Systems

Covers everything in Simply Kitchen, plus:
Heating & cooling✓
Plumbing & stoppages✓
Vent pipe leaks✓
Water heaters✓
Sump pumps✓
Electrical wiring✓
Doorbell system✓

Pinnacle Home: Best for Comprehensive Coverage

Covers everything in both Simply Kitchen & Complete Home, plus:
Shower heads✓
Tub spouts✓
Burglar alarm system✓
Fire alarm system✓
Attic fans✓
Bathroom exhaust fans✓
Haul away/disposal fees✓
Concealed wiring✓

Best for Appliances Coverage
2-10 Home Buyers Warranty

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:

  • Systems: Plumbing, electrical, HVAC surplus, septic system, pre-season HVAC tune-up
  • Water: Well pump, extended pipe leak, roof leak, water softener
  • Appliances: Garage door opener, washer & dryer, pool/spa equipment, additional refrigeration
  • Upgrades: Luxury package, Supreme coverage (includes all items covered in the Pinnacle Home plan that are not covered under the other plans)

Coverage Limits

2-10 Home Buyers Warranty features various limitations and exclusions as per its contract agreements. We encourage you to look closely at your contract to determine your plan's coverage limits, but here are some major coverage limits entailed by 2-10 Home Buyers Warranty: 

  • Appliances not located in the primary kitchen with the exception of the washer and dryer, unless additional refrigerator option(s) are purchased
  • Multimedia center including technology convenience items such as LCD screens, Wi-Fi, and cameras
  • Coal- or wood-burning equipment, glycol systems, fireplaces, freestanding or portable heating units, fuel oil lines, fuel oil or propane gas storage tanks, outside or underground piping, and components for geothermal and/or water source systems
  • Racks, shelves, interior thermal shells, food spoilage, and freezers which are not an integral part of the kitchen refrigerator
  • Whole house fans, data wiring, meter boxes, wiring outside the home/garage
  • Electronic or computerized energy management systems, lighting fixtures that are not hard-wired, or appliance management systems
  • Garage doors, garage door track/rail assembly, rollers or physical damage
  • Doorbells that are part of intercom systems
  • Door glass, portable or countertop units, trim kits, hinges, meat probe assemblies, rotisseries for built-in microwave
  • Duplicate appliances

2-10 Home Buyers Warranty Cost

2-10's plans start as low as $22 per month. The sample quote we received is for a single-family home in Raleigh, North Carolina.

Along with a flexible $65-$100 service fee, here is what you can expect to pay:

Plan Monthly Cost

Simply Kitchen

$22.00 per month

Complete Home

$51.00 per month

Pinnacle Home

$60.00 per month

Coverage Cap

Like all other home warranty companies, 2-10 Home Buyers Warranty features coverage caps for each of its claims. The company states that its cost to diagnose, repair, or replace a system starts at $1,500. Below are some other major coverage caps in 2-10 Home Buyers' service agreement:

  • Concealed/concrete encased water, gas, drain, waste, vent piping, and leaks and breaks in the plumbing system: $500
  • Polybutylene piping and PEX Manifold plumbing system: $1,000
  • Faucet and faucet handle repair and/or replacement of sinks, shower heads or tub spouts for kitchens and baths: $150 per faucet
  • Toilet replacement, in the event of sediment/calcium buildup: cost to repair and/or replace each toilet is limited to $300
  • Concealed wiring: $500
  • Built-in or sealed refrigeration units: $2,500

2-10 Home Warranty Reviews

2-10 Home Warranty holds a B+ 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 generally received negative reviews.

Here is a sample of 2-10 Home Warranty reviews we found on BBB:

How to Submit a Claim with 2-10

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, serving customers for nearly four decades. We've compiled the highlights below.


  • Affordable plans
  • Extensive list of add-ons
  • Mostly negative reviews
Best for Appliances Coverage
2-10 Home Buyers Warranty

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 offers one of the best basic plans in the industry, while Select Home Warranty might be the right fit for shoppers looking for discounts.

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.

Compare 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, reviews, and other key factors.

Provider American Home Shield Choice Home Warranty 2-10 Home Buyers Warranty

Get a Quote

Our Verdict

Best Overall

Best Basic Plan

Best for Appliances Coverage

Number of Plans

3 plans

2 plans

3 plans

Monthly Cost




Service Fee




States Covered

49 states (Not Alaska)

48 states (Not CA or WA)

42 states (Not including AK, HI, MN, NH, ND, OK, WI, and WY)

BBB Rating




Learn More


Related Content

Home Warranty Rating Methodology

The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.

Here's what our review process looks like:

  • We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
  • We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
  • We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
  • We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
  • We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.

We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:


What we consider

Plan Options

The number and type of plan options offered to customers


The types of items included in a policy


How much each plan costs and the service fee options

Company Reputation

How the company is perceived through Better Business Bureau (BBB) ratings and a company's years in business

Customer Service

The customer service team's availability, what guarantees are offered, and what customer communication channels are provided (online customer portals, quote forms, etc.)

Unique Benefits

Factors that make the customer experience more seamless, such as allowing customers to choose their own contractor

Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.

2-10 Home Buyers Warranty FAQ

Is a 2-10 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.

How long does a 2-10 home warranty last?

2-10 Home Warranty's systems and appliances home warranties are year-long service contracts.

What is a service fee?

A service fee is the initial out-of-pocket cost on an eligible claim. The service fee is paid to the service contractor when they arrive at your home to diagnose the cause of a broken appliance or system. 2-10 Home Buyers Warranty's service fees range from $65 to $100.

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.