2-10 Home Buyers Warranty Review

Decades of experience in helping homeowners keep repair costs down

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Unlike most home warranty companies, 2-10 Home Buyers Warranty offers plans designed for home builders, a plan specifically designed for newly built homes. Consumers can benefit from the added protection when buying a new home but may not get the same coverage for home appliances as with other companies. Builders can benefit from the added workmanship coverage in these plans.

We put 2-10 Home Buyers Warranty under the microscope and looked at pricing, plan options, exclusions, payout caps and more to help you determine if you should buy one of its home warranty plans.

What We Like

  • Specialized coverage for home builders

  • Service fee refunds for non-covered items

  • "A" rating with BBB

What We Don't Like

  • Optional coverage is not available until 1st renewal

  • System and appliance plans are lacking in covered items by industry standards

  • You can’t obtain pricing for real estate plans without registering as a member

  • No workmanship guarantee

Company Overview

2-10 Home Buyers Warranty is headquartered in Aurora, Colorado and has been in business for over 40 years. It provides home warranties to homeowners, real estate agents and builders in most U.S. states. 

Homeowner Plans

2-10 Home Buyers Warranty offers three plans specifically for homeowners: HVAC + Water Heater, Major Appliances, and Everything Together. Optional coverage is available upon renewal: pre-season HVAC tune-up, HVAC surplus, additional refrigerator, built-in wine cooler, freestanding freezer, wet bar, refrigerator, ventilation, safeguard, extended pipe leak, water softener, pool/spa freshwater or saltwater equipment, roof leak, septic system and well pump.

Real Estate Plans

Two real estate home warranty plans are available: the Seller Plan and the Buyer Plan.

The Buyer Plan offers protection for real estate clients buying a home. Some notable plan features include:

  • Comprehensive HVAC coverage with unlimited refrigerants and SEER matching
  • Appliance Protection Suite includes appliance discounts, appliance replacement offer, and appliance color match
  • "Even If" service provides a reimbursement of the service fee if a contractor was dispatched and the item is not eligible for coverage
  • Happy Home Lock & Hardware is a feature that reimburses buyers up to $100 for qualifying lock and/or hardware expenses

Purchasing a Seller Plan can help sell a home quicker since the buyers know they have protection against any unforeseen repairs that may be needed after purchase. A Seller Plan can complement a Buyer Plan with many perks buyers will need when moving in. 

These optional coverages are available for an additional charge: pre-season HVAC tune-up; additional refrigerator/wine cooler/stand-alone freezer; extended pipe leak; roof leak; septic system; pool/spa equipment; water softener; and well pump. 

To view pricing on real estate plans, you must register as an agent with 2-10 Home Buyers Warranty.

Home Builder Plans

In comparison to 2-10’s home warranty plans designed to help existing homeowners pay for needed repairs, Home Builder Plans (aka structural warranties) cover a builder’s risk against structural claims. A promise of guaranteed repairs against faulty workmanship or structural damage and can enhance the builder’s reputation in the eyes of homebuyers. A Home Builder Plan from 2-10 is designed to protect homebuilders against home defects buyers experience after purchasing a home.

The structural warranties offered by 2-10 Home Buyers Warranty include: 1 Year Workmanship; 2 Year Systems; and 10 Year Structural. To obtain a quote for a structural warranty, you’ll need to complete a membership form or call 877-777-1344.

Homeowner Plan Pricing

Pricing is broken into three variations. We obtained quotes from several states and saw no difference in any of these prices between states. There is an $85 service call fee when making a claim.

Optional Coverage Pricing

Optional coverage is only available upon homeowner’s first renewal. Cost is the same for all states and is priced on a yearly basis. 

Exclusions 

Homeowner exclusions were obtained from a sample contract.

  • Heating: Coal or wood-burning equipment, steam, hydronic or hot water systems, geothermal and water-source systems (available with HVAC Surplus), glycol systems, fireplaces, free-standing or portable heating units, fuel oil lines, fuel oil or propane gas storage tanks, flue venting, outside or underground piping and components for geothermal and/or water source systems, well pumps and well pump components for geothermal and/or water source systems, all components of zone controlled and energy management systems. Collapsed ductwork.
  • Cooling: Water towers, geothermal and water-source systems, upgrades to maintain compatibility and/or compliance with SEER or refrigerant (available with HVAC Surplus), humidifiers, chillers, pre-coolers, condensate drain lines, and mini-split systems. Geothermal underground piping, well pumps (and their components). Roof jacks, filters, all components of zone controlled and energy management systems, UV filters. Freestanding units and any type of gas units. Collapsed ductwork.
  • Water Heater: Grills and registers, improperly sized ductwork, insulation, dampers, and ductwork where asbestos is present.
  • Water Heater: Drain vent hood, oil hot water tanks or oil storage tanks, flue venting, insufficient capacity, and solar equipment. 
  • Appliances: Appliances not located in the primary kitchen with the exception of the washer and dryer, unless additional refrigerator option(s) are purchased. Meat probe assemblies, outdoor glass, sensi-heat burners will only be replaced with standard burners for range, oven, cooktop. Multimedia center including technology convenience items like LCD screens, Wi-Fi and cameras. Racks, shelves, interior thermal shells, food spoilage and freezers which are not an integral part of the kitchen refrigerator. Door glass, portable or countertop units, trim kits, hinges, meat probe assemblies, rotisseries for built-in microwave. Plastic mini-tub, soap dispensers, filter screens, knobs, dials, hinges, lint screen and damage to clothing for washer and dryer. Duplicate appliances. 
  • Electrical: 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. Central vacuum system ductwork and accessories, any wiring or other electrical items located outside the perimeter of the principal dwelling and attached garage, or any loss due to water seepage along service cable. Belts, shutters, and filters for attic, ceiling and exhaust fans. Garage doors, garage door track/rail assembly, rollers or physical damage. Doorbells that are part of intercom systems.
  • Plumbing: Filters, sewage ejector pumps, hydro-jetting, sewer grinders, backflow preventers, drain line stoppages due to roots, performing diagnosis with camera, fixtures, water meters, shower enclosures, shower-base pans, strainers, caulking, grouting, lawn sprinkler systems, tile fields, leach beds, lift stations, any loss arising out of a condition of mineral or chemical deposits (except water heaters), water residue or insufficient capacity loss arising from porcelain chipping, cracking, dents or other externally caused physical damages. Water heaters: oil hot water tanks or oil storage tanks, flue venting, insufficient capacity, and solar equipment. 
  • Pre-season HVAC Tune-Up: Clearing of stoppages to condensate drain lines, evaporator/ indoor and condensing coil cleaning (including acid cleaning, cleaning or unclogging services required to correct problems related to the lack of manufacturer’s recommended maintenance).
  • HVAC Surplus: Items explicitly listed in the Heating and Cooling.
  • Additional Refrigerator, Built-in Wine Cooler, Freestanding Freezer, Wet Bar Refrigerator: Refrigerators with more than one compressor. Multi-media center, racks, shelves, doors, glides, slides, glass interior thermal shells and food spoilage.
  • Electrical Ventilation: Belts, shutters, and filters on ceiling, attic and exhaust fans. Data wiring, meter boxes, and wiring outside the home/garage. Any wiring or other electrical items located outside the perimeter of the principal dwelling and attached garage.
  • Burglar alarm, Fire alarm, Garage Door Opener: Garage door: door track/rail assembly, rollers or physical damage. Any wiring or other electrical items located outside the perimeter of the principal dwelling and attached garage. Other free-standing, non-integrated (built-in), non-hardwired technology for detecting motion, breach, smoke, water, etc. 
  • Extended Pipe Leak: Faucets, sprinkler systems, swimming pool/built-in pool piping, downspout, landscape drain lines, failure due to freeze, city/county shut off valve, damage due to roots.
  • Water Softener: Conditions of insufficient or excessive water, water filters, reverse osmosis filters, water purification systems, and water softening media.
  • Pool/Spa Freshwater Equipment: Cleaning equipment including pop-up heads, turbo valves, creepy crawlers and the like, skimmers, lights, jets, liners, concrete-encased, electrical, plumbing or gas lines located underground, structural defects, solar equipment, chlorinators, sanitizing system, heat pump, booster pumps for water features and energy management systems. Water chemistry control equipment and materials, disposable filtration media, valve actuator motor, remote control panel switches, and booster pumps for water features. All pool/spa equipment for a saltwater swimming pool or spa, unless option purchased.
  • Pool/Spa Saltwater Equipment: WAll items listed as excluded for Pool/Spa Equipment.
  • Roof Leak: Gutters, chimneys, vent and drain lines, roof-mounted installations, leaks over any deck or balcony, or leaks which result from or are caused by any of the following: missing and/or broken shingles or tiles, damage due to persons walking or standing on the roof, construction or repairs not performed in a workmanlike manner, failure to perform normal roof maintenance. 
  • Septic System: Lift stations, tile fields and leach beds, insufficient capacity, ground-level cleanout, pumping, grinder pumps.
  • Well Pump: Well casing, pressure tank, piping or electrical lines leading to or connecting pressure tank and primary dwelling, holding or storage tanks and redrilling of well, system/parts utilized for lawn sprinkler systems. 

Payout Caps

Payout caps limit the amount you can get on any single claim. There are several payout caps with 2-10 Home Buyers Warranty. Comparing caps to other, more traditional homeowners warranty plans is difficult since most of these caps are for systems and not appliances. Review the policy to confirm specific item policy caps.

The following are the known payout caps: 

  • Concrete encased or concealed ductwork (heating system): $750
  • Gas lines: $500
  • Concrete encased or concealed ductwork (cooling system): $750
  • HVAC tune-up: $500
  • HVAC/geothermal and water source systems: $1,500 
  • HVAC/water-cooled air conditioners/high-velocity and hydronic systems: $1,500
  • Steam, hot water heat or hydronic systems: $1,500
  • Built-in or sealed refrigeration units: $2,500

Repair Time

Under normal circumstances, the company will initiate service within 48 hours. The company will try to expedite service for emergency repairs. You can request expedited services for non-emergency repairs for an additional fee. 2-10 Home Buyers Warranty defines emergency repairs as the following: no electricity, gas, water or toilet facilities to the entire home; system malfunctions that cause ongoing damage to the home; or a condition that endangers health and safety.

Customer Service/Claims

You can request service online or by calling 800-775-4736. Service is available 24/7/365. If a service contractor is not available in your area, the company may ask you to choose your own licensed and insured contractor to complete any needed repairs. Your contractor must contact 2-10 Home Buyers Warranty with an estimate and obtain an authorization number before performing any work.

BBB Rating

2-10 Home Buyer Warranty has an “A” rating with the BBB and has been an accredited business since 2005. The company has a 1-out-of-5-star rating based on 394 customer reviews. There are 918 customer complaints with the majority being listed as a “problem with a product or service.” A common complaint was claim denial based on the item not being covered under the home warranty.

The Competition: 2-10 Home Buyers Warranty vs. Sears Home Warranty

In addition to the comparisons below, Sears Home Warranty covers 21 items in its most comprehensive plan whereas 2-10 Home Warranty covers 27. 2-10 Home Warranty has cheaper monthly plans and a better rating with the BBB than Sears. For these reasons, we choose 2-10 as the clear winner over Sears. However, we do like Sears 180-day workmanship guarantee.

Final Verdict

2-10 Home Buyers Warranty plans have some unique features we like, including plans for home builders and a refund of your service fee for non-covered items; meaning if you request service and it is determined that the item is not covered by your warranty plan, you may be entitled to a refund of your service fee. 

There are three homeowners plan options to fit most budgets; however, optional coverage is not available until your first renewal, so you may be missing some coverage that would be available through a different home warranty provider. If you are just looking for basic coverage for your main appliances and home systems, the plans are affordable, starting at $32.25 per month (pricing varies by state and plan), making 2-10 Home Buyers Warranty a good option to consider. For home builders, plans exist to cover workmanship, distribution systems and structural defects. Not many home warranty companies offer structural warranties so this is ideal for home builders.

Specs