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2-10 isn’t the cheapest home warranty company available, but it offers fast, reliable coverage to homeowners across the United States. The company also offers high coverage limits.
Warranties available in all 50 States, plus District of Columbia
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 1,500 complaints through BBB over the past three years
Company has acknowledged “problems of timeliness and communication”
2-10 Home Buyers Warranty was founded in 1983 and offers three different home warranty plans in all 50 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. Its cost is comparable to plans offered by other companies, as are its service fees. The company also offers good coverage nationwide in all 50 states, plus Washington, D.C. Unfortunately, the company also has a very low customer satisfaction rating, as measured by BBB. 2-10 has received more than 1,500 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 it an important factor. Other important factors include service fees (63%), speed of response (48%), and pricing information being available online (46%). Our review 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 offers home warranties in all 50 states plus the District of Columbia.
Forty-seven percent 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: Protects your kitchen appliances at an affordable price.
- Complete Home: Offers extended coverage, from “kitchen appliances and HVAC systems to your plumbing and electrical.”
- Pinnacle Home: Provides "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 it provides 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 one year but can be renewed annually by the homeowner. 2-10 also offers "complimentary" seller coverage for 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 homes and structural warranties that provide coverage for a home's workmanship, distribution systems, and load-bearing structural components. These plans cover aspects of your 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 $17 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 quotes for the price of each plan in three states—California, Florida, and Texas. The price of each plan is identical in all three states:
- $264 per year for Simply Kitchen
- $612 per year for Complete
- $720 a year for Pinnacle
These quotes mean 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 much 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 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 customer satisfaction—but it cannot.
Fifty-one percent 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 its standard plans at an additional cost, including:
- 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. It does not list prices for these optional add-ons. It does, 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 gives a basic overview of the types of damage its warranties cover. Its 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 of 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 excludes explicitly 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, 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 outlined in individual service agreements.
Twenty-seven percent 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 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 its 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 or calling 720-531-6717.
For service requests, 2-10 will initiate service within 48 hours (24 hours for an emergency) and contact an independent service contractor who will schedule a service call on weekdays during regular business hours. Homeowners who request non-emergency service outside of regular 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 regular 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 its website and received answers to our questions within 48 hours.
In most respects, 2-10 appears to be a fairly average home warranty company; however, the company has a poor customer satisfaction score. It has received more than 1,500 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 as of May 2023, 2-10 stands out for the number of complaints.
As a result of these reviews, the company holds a BBB rating of B and an average customer rating of 1.2 out of 5 stars from 544 reviews. This is the second worst rating of the home warranty companies we researched, indicating deep customer dissatisfaction. The company has even been the subject of a BBB alert, following a pattern of complaints throughout 2021.
In formally responding to this alert, the company acknowledged that “many of the complaints in the outlined pattern revolve around problems of timeliness and communication.” It claims to be working toward fixing these issues, however, and to have been affected by “global supply chain issues.”
On March 13, 2023, BBB confirmed that, while some improvements have been made impacting the underlying issues, the pattern of complaints still persists. At the moment, BBB's concerns and low rating make 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 11,700 BBB reviews (as of May 2023) to its name, is 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||3||3|
|Customer Satisfaction, BBB score (and number of reviews)||2.18 / 5 (11,704)||1.2 / 5 (544)|
|Service Fee (average)||$100||$85|
|States Covered||49 (excludes AK)||50 (plus the District of Columbia)|
2-10 Home Buyers Warranty offers decent-value home warranties with reasonable coverage comparable to others in its sector, and warranties are available in all 50 states. Unfortunately, the company has an unusually poor customer satisfaction rating, so we don’t recommend 2-10 as a home warranty provider. Instead, consider comparing quotes from our list of the best home warranty companies.
Frequently Asked Questions
What Does a 2-10 Home Warranty Cover?
2-10 Home Buyers Warranty provides home warranties for single-family, multi-family, and condo/townhomes with a warranty covering systems and appliances. New construction homes being built by a home builder may be covered by a structural warranty. Overall a 2-10 home warranty usually covers certain systems like central air conditioning, heating, plumbing, electrical, and water heaters, as well as appliances like refrigerators, stoves, washers, and dryers.
What Is a Builders 2-10 Warranty?
A builders 2-10 warranty is a form of warranty for new construction that offers buyers protection if things go wrong after the home is built. With this tiered warranty, buyers get protection from defects in materials (and craftmanship) for one year. Applicable systems, like heating and cooling, are covered for two years, and protection against structural defects stays in effect for 10 years.
How Do I Cancel 2-10 Home Warranty?
To cancel your service agreement with 2-10 Home Buyers Warranty, call customer service at 720-531-6729.
Is 2-10 Warranty Transferable?
Yes, if ownership of the home changes during the term of the 2-10 warranty, coverage is fully transferable. There are also several options for sellers and real estate agents to easily transfer the warranty to the buyer.
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 a 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.
Better Business Bureau. "2-10 Home Buyers Warranty."
Better Business Bureau. "American Home Shield."