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2-10 Home Buyers Warranty Review

Patrick Sather

In a Nutshell

2-10 Home Buyers Warranty (2-10 HBW) has over 40 years of home warranty experience. The provider offers wear and tear coverage whether you are buying a new home, selling your property, or currently living in it. While 2-10 HBW charges a high premium and service fee, it offers a higher annual coverage limit than most warranties. Services are available in the 48 contiguous states, and the company provides 24/7 online and phone support.

pros

  • Available in 48 contiguous states
  • Purchase a plan anytime
  • $25,000 annual coverage limit

cons

  • High base service fee
  • Expensive annual premium

2-10 Home Buyers Warranty 2-10 Home Buyers Warranty Visit Site

2-10 HBW Plans and Coverage

With 2-10 HBW, homeowners can choose from 3 different warranty plans. Simply Kitchen provides coverage specifically for your kitchen appliances. Pricing for this plan starts at $19.99 per month. Meanwhile, Complete Home covers most of your major appliances and systems for $51 per month. The third package, Pinnacle Home, covers all of the above and most other things you can think of for $60 per month. 

  • Simply Kitchen: Best for appliance coverage
  • Complete Home: Best for affordable home coverage
  • Pinnacle Home: Best for homes with old appliances and structural problems 

Covered Items

Simply Kitchen

Complete Home

Pinnacle Home

Built-in microwave

Dishwasher

Range

Oven

Cooktop

Refrigerator

Gas or electric system

-

Thermostats

-

Interior gas supply lines

-

Water, drain, waste, vent pipes

-

Water heater 

-

Water heater supply lines

-

Toilet

-

Drain line stoppages

-

Primary, permanent groundwater sump pump

-

Pressure regulators

-

Valves

-

Electrical wiring

-

Switches

-

Outlets

-

Panels

-

Doorbell system

-

Haul away/disposal fees

-

-

Filters

-

-

Refrigerant recovery and recharge

-

-

Faucets

-

-

Showerheads, arms, and spouts

-

-

Hose bibbs

-

-

Burglar and fire alarm systems

-

-

Attic and bedroom exhaust fans

-

-

Concrete encased wiring and pipes

-

-

Non-essential appliance mechanisms

-

-

Optional Add-Ons

You can purchase additional coverage for optional features including: 

  • Appliances: extra refrigerator, free-standing freezer, washer and dryer, garage door opener, built-in wine cooler
  • Leaks: roof leaks, extended pipe leaks
  • Water: water softener, water pump, pool and spa equipment
  • System: plumbing, electrical, and HVAC pre-season service, septic systems

None of these features are covered under the 3 standard plans. These additional fees are outlined in your service agreement, so make sure to read through it carefully to see if there are any affordable options you can add to your plan.

2-10 Home Buyers Warranty homepage screenshot

Plan Exclusions

A home warranty from 2-10 HBW only covers your home for repairs or replacement of appliances and systems that break down due to everyday wear and tear. This means certain damages won’t be covered under your 2-10 HBW plan. Exclusions include storm damage, fire damage, pest damage, theft, vandalism, or damage to a system or appliance caused by neglect or improper use. Faulty design and installation or problems caused by modifications or alterations are also not covered under your warranty.

In addition, 2-10 HBW’s coverage doesn’t necessarily extend to all parts of an item. Your service agreement will set out which parts aren’t covered under your policy’s limits, so do be sure to have a thorough read-through before choosing a plan or submitting a claim. That said, homeowners will be pleased to know that unidentified pre-existing conditions are included in the warranty.

2-10 HBW Plan Pricing

2-10 HBW offers 3 service plans, and each option allows you to purchase additional covered features for a small fee. Simply Kitchen starts at $19.99 per month or $239.88 per year. For Complete Home, the cost is $51 per month or $612 per year. Pinnacle Home is the most comprehensive and expensive plan, costing $60 per month or $720 per year. In addition to the yearly premium, you also pay an $85 service fee for each claim you submit for a repair. You can add the Service Buy Down Fee for an additional $6 per month or $72 per year, which lowers your service fee to $65. Alternatively, you could purchase the Service Fee Save Up, which saves you $3 per month or $36 per year in premiums while raising your service fee to $100. 

Expense Type

Cost

Simply Kitchen

$19.99/month or $239.88/year

Complete Home

$51/month or $612/year

Pinnacle Home

$60/month or $720/year

Service Fee

$85 (as low as $65 or as much as $100)

How to file a claim with 2-10 HBW

To file a claim with 2-10 HBW, you can submit a request online or call customer service. Through the website Homeowner Portal, you can request, track, and review the status of your claim. If you prefer to contact customer service, representatives are available to take your call 24/7.

Once you submit a claim, 2-10 HBW will contact one of its independent service contractors to schedule a service call within 48 hours. If you require emergency support, 2-10 HBW guarantees a response within 24 hours, and you can expedite your request. However, out-of-hours assistance may cost you additional fees and overtime. 

2-10 HBW’s limit for annual aggregate coverage is $25,000, which is a lot higher than many other home warranty companies. However, each system and appliance covered under your plan includes set coverage limits. Usually, the limit for any one system or appliance is up to $5,000 per year, so make sure to check out your service agreement to see the limits for specific items.

Is 2-10 HBW Legit? 

2-10 HBW has over 40 years of experience in the home warranty industry. According to its website, it pays out 97.5% of claims. It also has a B+ rating with the Better Business Bureau, and it’s a member of the National Home Service Contract Association (NHSCA) and the National Association for Home Builders. However, 2-10 HBW received more than 1,240 complaints over the past three years, mostly related to service claims, which is a little worrying. 

What’s Unique About 2-10 HBW?

2-10 HBW offers both onboarding deals and referral awards. Currently, it’s offering $60 off the yearly price of any of its 3 service plans, but there is no guarantee that this deal will last. If you refer a friend to 2-10 HBW, you may be eligible to receive a $50 gift card. However, these benefits vary by package and are subject to specific terms and conditions. To see available deals, you can get a quote from the company’s website or contact the customer service team. 

Under its “Even If” Service Fee Guarantee, if an item isn’t eligible for coverage and a service contractor is dispatched, 2-10 HBW can offer you a full refund of the service fee. Also, if a serviced part fails again within the duration of the service agreement, you won’t be charged an additional service fee. With its Appliance Color Match program, 2-10 HBW will attempt to match replacement parts to the appliance’s color.

In addition, 2-10 HBW customers qualify for a discount up to 65% off select GE and Whirlpool appliances. 

Help and Support

Support is available over the phone from 8 am–5 pm MT, Monday–Friday, to help with purchase and renewal queries. And claim representatives can answer your call 24/7. At this time, 2-10 HBW doesn’t offer a chat feature or mobile app. However, its service team is speedy in answering calls, and claims are processed within 24–48 hours. 

2-10 HBW’s website offers several features for new and existing customers. You can get a quote for a new home warranty and check out FAQs and blog posts that explain how warranties work and what 2-10 HBW’s service limits are. Additionally, you can access its Homeowner Portal to submit, track, and review the status of your claim or renew your existing warranty.

What about the 2-10 HBW app?

2-10 HBW doesn’t currently have a mobile app.

How to Get Started with 2-10 HBW

2-10 HBW offers home warranty for those who are purchasing a house, are existing homeowners, or are selling their home. To get a quote, simply visit the website or call the company’s customer service team. To receive an initial offer, you’ll need to provide your name, address, email, and phone number. Once you choose a plan, 2-10 HBW requires a credit card number on file. 

If you’d like to cancel your existing plan, you’ll need to contact customer service over the phone. 2-10 HBW offers a full refund if you cancel your warranty within 30 days of closing the sale. After the initial 30-day period, you are eligible to receive a prorated reimbursement for any unused coverage. 

How 2-10 HBW Compares to Other Home Warranty Services

Details

American Home Shield

Select Home Warranty

Choice Home Warranty

Average annual premium

$420-$780

$379-$564

$434-$660

Contractors

17,000 in-network

10,000 in-network

15,000 in-network

Service call fee

$75–$125

$60–$75

$60–$85

Service requests

24/7 online and phone

24/7 online and phone

24/7 online and phone

HBW vs. American Home Shield

On average, 2-10 HBW charges lower premiums than American Home Shield. In addition, its $65-$100 service could save you money compared to American’s $75-$125 fee. If you want to pay less in premiums and fees, then 2-10 HBW is the better choice. However, if you want access to a larger network of contractors, then American is the better decision. 

HBW vs. Select Home Warranty

Although 2-10 HBW is more affordable if you only want to cover your home’s major appliances, Select Home Warranty tends to offer cheaper full-home coverage. In addition, its $60-$75 service fee may save you money compared to 2-10 HBW’s $65-$100 fee. If you want affordable full-home coverage and lower service fees, Select may be the better option. On the other hand, if you only want coverage for your home’s appliances, 2-10 HBW is the right company for you. 

HBW vs. Choice Home Warranty

Compared to Choice Home Warranty, 2-10 HBW offers cheaper appliance coverage and higher limits. However, Choice features a larger network of contractors, and its service fees are lower on average. If you want to save money on your premium for full-home coverage, Choice is the better option. However, if you want affordable appliance coverage and higher limits, 2-10 HBW is the right choice. 

2-10 Home Buyers Warranty 2-10 Home Buyers Warranty Visit Site

The Bottom Line

A home warranty plan from 2-10 HBW is a good option if you want a warranty that provides a high annual coverage limit. It operates in the 48 contiguous states and has 24/7 online and phone support for claims. However, its annual premium and service fee are higher than some of its competitors. It also has fewer in-network contractors than similar companies, which may lead to delays in service.

Frequently Asked Questions
How does 2-10 Home Buyers Warranty work?
-
+
A warranty from 2-10 Home Buyers Warranty covers the cost of repair or replacement for a system or appliance in your home. Unlike insurance, which covers losses due to accidents or user errors, warranties only cover damage caused by everyday wear and tear.
How long does a 2-10 HBW home warranty last?
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+
All warranties from 2-10 HBW last for 1 year and are eligible for renewal online or over the phone. If you want to avoid losing coverage, you can also renew early.
When does 2-10 Home Buyers Warranty coverage begin?
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When you purchase a warranty from 2-10 HBW, your coverage begins the same day you close the sale.
Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.

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