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2-10 isn’t the cheapest home warranty company available, but it offers fast, reliable coverage to homeowners in the contiguous United States. The company also offers high coverage limits and has received positive reviews from customers.
- Pros and Cons
Warranties available in all 50 States, plus DC
Repairs guaranteed for duration of coverage
Can purchase a warranty at any time and coverage can be renewed
Very low customer rating through BBB
More than 1300 complaints through BBB over the past 3 years
Company has acknowledged that there have been “problems of timeliness and communication”
2-10 Home Buyers Warranty was founded in 1983 and offers three different home warranty plans in the contiguous United States. Homeowners who choose 2-10 can purchase a home warranty anytime—when they’re buying a home, selling a home, or when they already own their home and just want coverage for appliances and systems not typically covered by homeowners' insurance.
In most ways, 2-10’s home warranty plans are typical for the industry. Their cost is comparable to that of plans offered by other companies, and so are their service fees. The company also offers good coverage across the nation – all 50 states, plus DC.
Unfortunately, the company also has a very low customer satisfaction rating, as measured by BBB. 2-10 has received more than 1300 complaints over the past three years, and has acknowledged that many of these complaints relate to “problems of timeliness and communication”.
According to our research, the most important feature to consumers when choosing a plan is its cost, with 74% of respondents naming this as an important factor. Other important factors include service fees (63%), speed of response (48%), and pricing information being available online (46%). Our reviews thoroughly considers all these factors, as well as exclusions and payout caps, to help you make an informed decision when choosing a home warranty company.
2-10 offer home warranties in all 50 States, plus DC. That means you can get plans in all of the following states:
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
47% of our 538 survey correspondents said that coverage and support was the most important aspect of a home warranty, so make sure a company covers your home state first, before considering other factors.
Homeowners who purchase a home warranty from 2-10 have three plans to choose from: Simply Kitchen, Complete Home, and Pinnacle Home. Here is how 2-10 describes these plans:
- Simply Kitchen: Simply Kitchen protects your kitchen appliances at an affordable price.
- Complete Home: Extended coverage, from “kitchen appliances and HVAC systems to your plumbing and electrical.”
- Pinnacle Home: “Supreme coverage” for your kitchen and home.
2-10 lists the appliances and systems which are covered by these plans on its website. The coverage they provide is about average for the industry, and covers most of the basic items in your home.
Here’s the full list of what each plan covers:
|Covered Items||Pinnacle||Complete||Simply Kitchen|
|Air Conditioning/Heat Pump||✓||✓|
|Built-In Whirlpool Motor & Pump||✓||✓|
|Drain Line Stoppages||✓||✓|
|Electrical & Telephone Wiring||✓||✓|
|Fire & Burglar Alarms||✓||✓|
|Fuse & Circuit Breaker Panels||✓||✓|
|Garage Door Openers||✓||✓|
|Range/Oven/Cooktop & Hood||✓||✓||✓|
|Steam or Hot Water System||✓||✓|
|Toilet Assembly Parts||✓||✓|
|Washer & Dryer||✓||✓|
|Built-In Heat Lamps||✓|
|Code Violations & Modification Coverage||✓|
|Electrical Cut-Off Switches||✓|
|Exterior Hose Bibbs||✓|
|Faucets & Handles||✓|
|Garage Door Springs, Hinges, Remotes||✓|
|Handles & Knobs||✓|
|Ice Crushers & Beverage Dispensers||✓||✓|
|Permanently Installed Lighting Fixtures||✓|
|Rotisseries, Racks & Rollers||✓|
Real Estate Plans
In addition to its plans for homeowners and sellers, 2-10 Home Buyers Warranty has special plans for real estate agents. The company offers buyer coverage “for major appliances (including refrigerator with ice maker), HVAC, water heater, electrical, plumbing.” This coverage lasts for one year, but can be renewed annually by the homeowner. 2-10 also offers “complimentary” seller coverage for a term of 180 days, until close of sale, or until the listing is canceled, whichever occurs first.
Unusually, 2-10 also offers builder warranties to people building their own home, and structural warranties that provide coverage for a home's workmanship, distribution systems and load-bearing structural components. These plans cover aspects of you home that are not covered by a standard home warranty. Potential customers must contact 2-10 for a quote to see the price of these plans.
The Simply Kitchen plan from 2-10 starts at $19 per month, while prices for the Complete Home and Pinnacle Home plans are not published. Discounts are reportedly available in some areas, so homeowners should check for individual pricing.
In our research, we looked at the price of each plan in three states – California, Florida, and Texas. The price of each plan was identical in all three states:
- $264 per year for Simply Kitchen
- $612 per year for Complete
- $720 a year for Pinnacle
These quotes meant that the average cost of a plan from 2-10, at $532 per year, is about the same as other companies in this sector. However, that average hides a slightly more complex picture.
That’s because 2-10’s “Simply Kitchen” warranty is a lot cheaper than almost any other home warranty plan on the market. It also covers a lot less – as the name of the plan suggests, just kitchen appliances. The “Complete” plan, which is the most comparable to other company’s full home warranty plans, is actually a little more expensive than the average cost of a home warranty plan as of January 2022 – $612 per year, compared to $574 average.
The call-out costs associated with 2-10’s plans are also quite high, ranging from $65 to $100 per call. The average across the industry is $82. Some service fees are waived for some sellers who are purchasing coverage as part of selling their home, but compared to other home warranty companies, plans from 2-10 are a little more expensive than average.
This would not matter so much if 2-10 offered better coverage than other home warranty companies, or could boast of better customers satisfaction. But it cannot.
51% of our survey correspondents said that pricing information was the most important piece of information they need when choosing a home warranty policy, and 70% of survey correspondents said that the monthly or annual cost of a plan was more important to them than service fees.
2-10 offers a limited list of add-ons that can be included within their standard plans, at an additional cost. They specifically mention that they can cover the following equipment:
- Additional Refrigerator
- Extended Pipe Leak
- Pool / Spa Equipment
- Roof Leak
- Septic System
- Stand-Alone Freezer
- Washer & Dryer
- Water Softener
- Well Pump
- Wine Cooler
In order to arrange coverage for these appliances and systems, you will need to get a quote from 2-10. They do not list prices for these optional add-ons. They do, however, offer extensive lists of the components that are covered under each category above. Customers looking to add these items to their policy should make sure that their equipment is covered by reviewing this information.
Types of Damage Covered
2-10 give a basic overview of the types of damage their warranties cover. They state that their plan:
- Covers the costs for appliances/systems repairs
- Pays for new replacements if needed
- Lowers the overall cost of home ownership
- Offers peace of mind and a greater sense of assurance
This is standard for the industry. And as with any home warranty, buyers should be aware that there are some limitations to what such a plan will cover. Home warranties cover breakdowns that occur due to normal wear and tear. For example, if a fan in your AC unit breaks due to natural use, a home warranty will cover the replacement. However, if that AC was broken from human misuse or a natural event like a tree branch falling on the outdoor air handler, it would not normally be covered.
Each item or system covered by a home warranty from 2-10 has specific exclusions and limitations. For example, electrical system coverage from 2-10 specifically excludes whole-house fans, data wiring, meter boxes, wiring outside the home or garage, garage doors, and doorbells that are part of intercom systems.
Additionally, home warranty coverage from 2-10 does not cover losses due to misuse, missing parts, structural movement, fire, freezing, electrical failure, electrical surge, water damage, water failure, lightning, mud, earthquake, soil or foundation movement, storms, accidents, pest damage, pet damage, mold, mildew, rot, fungus, war, terrorism, acts of God, seepage, or release or escape of any solid, liquid, gaseous or thermal irritant or contaminant. For a complete list of exclusions, be sure to consult your policy documents.
A few years ago, customers with a 2-10 home warranty plan had to use approved technicians for repairs, but 2-10 have now told us that you can use your own repair people.
Home warranty coverage doesn’t usually apply if a system or appliance stops working because of misuse or abuse. It also doesn’t cover malfunctions due to lightning strikes or fire; for protection from these events, you need homeowners insurance.
Payout Caps and Limitations
The annual, aggregate limit for coverage under a 2-10 home warranty is $25,000 for covered systems and appliances, which is about the same as other home warranty providers. In addition, each system and appliance covered under a home warranty from 2-10 has specific coverage limits which are outlined in individual service agreements.
27% of our survey correspondents said that getting the maximum payout cap is important to them when choosing a home warranty policy. 2-10 has a payout cap that is about average for home warranty providers.
A few years ago, customers with a 2-10 home warranty plan had to use approved technicians for repairs, but 2-10 have now told us that you can use your own repair people. However, you should still contact 2-10 before you book a repair in order to ensure that the work is covered. During our research, 2-10 responded to such claims within 48 hours.
In addition to its standard response time, 2-10 also offers a 24-hour response time for emergency service requests. For homeowners who request service because they have no electricity, gas, water, or toilet facilities to the entire home, a system malfunction is causing ongoing damage to the home, or there’s some condition that immediately endangers the homeowner’s health and safety, 2-10 will expedite their response and initiate service within 24 hours.
Customer Service and Claims
Customers who need to contact 2-10 customer service or file a claim can do so 24/7 by:
- Visiting 2-10.com/homeowner
- Calling 720-531-6717
For service requests, 2-10 will initiate service within 48 hours (24 for an emergency) and contact an independent service contractor who will schedule a service call on weekdays during normal business hours.
Homeowners who request non-emergency service outside of normal business hours will be responsible for additional fees, including overtime. Homeowners will also be responsible for any additional work performed by the service contractor. So, if you work long hours and need a contractor to do your repair outside of normal business hours, you may be responsible for paying the contractor’s overtime. 2-10 will also reimburse homeowners for costs that have been pre-authorized for covered repairs.
As part of our review, we contacted 2-10 Home Buyers Warranty through their website and received answers to our questions within 48 hours.
In most respects, 2-10 appears to be a fairly average home warranty company. There is one area, however, in which it stands out – the company has a poor customer satisfaction score.
The company has received more than 1300 complaints via the Better Business Bureau website over the past three years, and many of the reviews of the company on the same website are negative. Negative reviews are not unusual for a home warranty company, but (at the time of writing, in February 2022) 2-10 stands out for how many of these it has attracted.
As a result of these reviews, the company holds a BBB rating of B, and an average customer review of 1.04 out of 5 from 513 reviews. This is the second worst rating of the home warranty companies we conducted research on, indicating deep customer dissatisfaction.
The company has even been the subject of a BBB alert, following a pattern of complaints throughout 2021. In responding to this alert, the company acknowledged that “many of the complaints in the outlined pattern revolve around problems of timeliness and communication.” They claim to be working toward fixing these issues however, and to have been affected by “global supply chain issues.”
At the moment, however, such a low BBB rating makes it difficult for us to recommend 2-10 as a home warranty provider.
2-10 vs. The Competition
Let’s compare the service offered by 2-10 with that provided by American Home Shield Warranty. American Home Shield, having been founded in 1971 and with more than 9,000 BBB reviews to their name, are well established in the industry.
Here’s how the two companies compare:
|American Home Shield||2-10 Home Buyers Warranty|
|Average Cost of Plan||$579.88||$532.00|
|Number of Plans Available||Three||Three|
|Customer Satisfaction, BBB score (and number of reviews)||2.42 / 5
|1.04 / 5
|Service Fee (average)||$100||$85|
|States covered||49 (excludes AK)||50 (plus DC)|
As is apparent from this table, 2-10 home warranty compares favorably to the competition in almost every area, save one. The company offers good value home warranties with reasonable coverage. However, it has failed to score highly when it comes to customer satisfaction, especially over the past year.
In many ways, 2-10 home warranties are quite good. The company offers value that is comparable to other companies in this sector, with standard coverage, standard exclusions, and standard pricing.
There are two areas where the company stands out. One, and a relatively minor one, is that it offers coverage in all 50 states. This is unusual, but no matter where you live you will have a choice of at least three home warranty companies, and so doesn’t really give 2-10 an edge over the competition.
The other area in which 2-10 stands out is it’s unusually poor customer satisfaction rating. When we reviewed the company at the end of 2020, it’s BBB rating was respectable for the industry. Today, with just 1.04 out of 5 as a BBB rating, it seems that the company has attracted many negative reviews over the past year.
That customer satisfaction rating means that we don’t recommend 2-10 as a home warranty provider.
2-10 Home Warranty FAQs
What Does A 2-10 Home Warranty Cover?
A 2-10 home warranty may cover certain systems like central air conditioning, heating, plumbing, electrical, and water heaters as well as appliances like refrigerators, stoves, washers and dryers. For a complete list of what a 2-10 HBW home warranty covers, check out our systems and appliances page.
What Types of Home Does 2-10 Home Warranty Cover?
2-10 Home Buyers Warranty provides home warranties for single family, multi-family and condo/townhomes with a Systems & Appliances home warranty. New construction homes being built by a home builder may be covered by a Structural Warranty.
Is Dryer Vent and/or Ductwork Cleaning Covered By 2-10?
No. 2-10 is not responsible for the repair of any cosmetic defects, smells, noises or for the cost of cleaning or maintenance of any parts, appliances or equipment.
There are several aspects to think about in choosing a home warranty. Our methodology for reviewing home warranties includes a quantified scoring system that evaluates plan pricing, exclusions, payout caps, repair times, and terms, comparing them to other carriers across the industry. Third-party ratings and customer satisfaction scores are factored in to help assess an warranter's overall quality and value.
There are several aspects to consider when evaluating a home warranty company and its coverages. To assist in your decision process, our methodology for reviewing home warranties includes a quantified scoring system that evaluates four major categories - total plan cost, coverage and support, customizability and transparency. Within those four major evaluation categories we look at 15 core features that include annual plan fees and service fees, claim response times, payout caps, states available, contract length range, customizable coverages, ability to use own repair person, free cancelation, plan pricing, plan exclusions and other plan provisions available online. We assign fractional score values ranging from 0.00 to 1.00 points for each feature and then weight those feature values according to subject matter expert advice and consumer survey importance ranking. We also compare features for each company to industry average values determined from our data collection for the top 25 home warranty providers. Third-party ratings and customer satisfaction scores are factored in to help assess a home warranty company’s overall quality, suitability and value.