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Monthly premiums
$35 and up
Service fees
$65, $85 or $100 per claim.
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2-10 Home Buyers Warranty Review 2025: Prices and Plans
2-10 Home Buyers Warranty offers a high aggregate limit option but low customer satisfaction ratings.
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Written by Whitney Vandiver
Writer
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The 2-10 Home Buyers Warranty is a subpar option compared to other home warranty providers. Its less-extensive coverage and low customer satisfaction ratings — which highlight long customer service wait times and poor experiences with repair technicians — cause it to rank behind most other competitors NerdWallet reviewed.
It has three plans with flexible service fees and an option to increase coverage caps to $5,000 per item category. Premiums begin at $35, and starting coverage is $2,000 for heating, air conditioning, plumbing and electrical systems.
Deciding factors | |
|---|---|
Monthly cost | $35 and up. |
Service fees | $100 or less. |
Annual coverage cap* |
|
Average customer service rating† | 1.47 out of 5. |
Technician choice | No, unless an approved service contractor is unavailable in your area. |
*Annual coverage cap assumes a 12-month plan. †Average customer service rating is based on three sources: Trustpilot, ConsumerAffairs (both consumer review sites) and the Better Business Bureau. | |
How does 2-10 Home Buyers Warranty work?
Like most home warranty companies, 2-10 Home Buyers Warranty covers items that malfunction because of normal wear and tear. This means the company won’t cover items that fail because of:
Lack of maintenance.
Physical damage.
Natural disasters such as floods.
Damage caused by pests or animals.
The company also doesn’t cover required maintenance such as replacing HVAC filters.
To file a claim, 2-10 Home Buyers Warranty customers can use the online portal. The company’s website doesn’t state that you can call to submit a claim, but it does provide the phone number to its customer service department. Once it receives a claim, the company contacts a technician to schedule a visit. According to the company’s website, most technicians are able to schedule an appointment within five days, but this can vary if it is a busier time of year.
The technician will diagnose the issue and report it to the company. If it is a covered item that is malfunctioning for a covered reason, 2-10 Home Buyers Warranty will approve the claim and pay for the repair; if it denies the claim, you will have to pay to repair it.
The company charges a customer a service fee every time a technician is scheduled to visit a home, which is common for home warranty companies.
Like its competitors, 2-10 Home Buyers Warranty requires new customers to wait 30 days after purchasing a home warranty plan before submitting a claim.
» MORE: Are home warranties worth it?
There are three plans available from 2-10 Home Buyers Warranty:
Simply Kitchen covers appliances, including a refrigerator with an ice maker, dishwasher, built-in microwave, range, oven and cooktop.
Complete Home covers everything in the Simply Kitchen plan plus heating, air conditioning, plumbing and electrical systems.
Pinnacle Home covers everything in the Complete Home plan plus a washer and dryer and additional items in every category. For example, this plan covers handles, glass cooktops and clocks on kitchen appliances, which aren’t covered in the other plans.
Customers can also upgrade covered items for the Simply Kitchen or Complete Home plans with the Supreme Coverage add-on. This option adds specific parts to already covered items in the homeowners plan, such as filters for HVAC systems and bathroom exhaust fans. This extra coverage comes with an additional fee.
NerdWallet's Best Home Warranties
Good coverage with affordable premiums
Optional coverage is available for the following:
An additional HVAC system.
A washer and dryer set for plans that don’t already cover one.
An additional refrigerator.
External and exterior pipe leaks and related parts.
Pool or spa equipment.
Roof leaks.
A septic system.
A water softener.
A well pump.
A garage door opener.
Seasonal HVAC tuneups.
Like most competitors, 2-10 Home Buyers Warranty limits how much it will pay to repair or replace certain covered items. The standard coverage caps for each type of covered item include:
For appliances, $2,000 for a refrigerator, $1,000 each for a range/oven/cooktop, $500 for a dishwasher and $500 for a built-in microwave.
$2,000 for all heating items and $500 for gas lines.
$2,000 for all air conditioning and heat pump items and $500 for refrigerant lines.
$2,000 total for plumbing, including $1,250 for a water heater and $300 for each toilet that must be replaced due to calcium or sediment buildup.
$2,000 total for electrical.
Customers can pay an additional fee for the Luxury Package add-on, which increases the coverage caps to $5,000 for each category and an aggregate total limit of $25,000 per term.
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Monthly fees
$50 and up
Service fees
$70–$125
per claim
States available
50
states, and Washington, D.C.
Monthly fees
$42 and up
Service fees
$100 or $125
per claim
States available
35
states
How much does a 2-10 Home Buyers Warranty cost?
Plans start at $35 per month. For customers purchasing the Complete Home or Pinnacle Home plans, the company offers a discount on monthly premiums for customers who drop air conditioning and heat pump coverage.
To compare 2-10 Home Buyers Warranty pricing, we requested quotes for plans in three cities that have different costs of living.
City | Simply Kitchen monthly premium | Complete Home monthly premium | Pinnacle Home monthly premium |
|---|---|---|---|
Anaheim, California | $35. | $47. | $61. |
Scottsdale, Arizona | $35. | $55. | $69. |
Montgomery, Alabama | $35. | $55. | $69. |
Average price | $35. | $52.33. | $66.33. |
The service fees at 2-10 Home Buyers Warranty are $65, $85 or $100.
The higher your service fee, the lower your monthly premium.
As part of its guarantee, the company advertises that it’ll refund a service fee if it decides your service request isn’t eligible for coverage. However, you have to request a refund.
The company’s workmanship guarantee stands out as well. Although most companies offer guarantees that an item won’t malfunction within 30 or 60 days of a repair, 2-10 Home Buyers Warranty guarantees repairs for the term of your service agreement. That means if a repair fails while your service agreement is still active, you won’t pay another service fee when a technician returns to look at it again.
Guarantees don’t always apply. Even though 2-10 Home Buyers Warranty promises to refund or waive service fees in certain situations, the company’s sample contract states that “availability may vary by package and be subject to additional terms and conditions.”
Themes from customer reviews
NerdWallet considered customer reviews from three review websites to get a wider perspective of customer experiences. We’ve highlighted the types of experiences that we’ve found to be most common, keeping in mind that online reviews tend to lean toward negative experiences.
Trustpilot: 2.0 out of 5. ConsumerAffairs: 1.1 out of 5. Better Business Bureau: 1.31 out of 5.
Customers’ negative reviews of 2-10 Home Buyers Warranty mention long response times for technicians to come out and excessive hold times when calling customer service. Some customers also say that the company’s repair technicians didn’t fix their issues or never returned to complete a repair.
Positive reviews say the company’s repair technicians are professional and make repairs quickly.
» MORE: What is a home buyer’s warranty?
Pros of 2-10 Home Buyers Warranty
Benefits to 2-10 Home Buyers Warranty services include:
Decent coverage caps with ability to increase coverage. Coverage caps with 2-10 Home Buyers Warranty are decent, at $2,000 per system for HVAC, electrical and plumbing repairs. The company lets customers raise their coverage caps to $5,000 per system and for total appliance repairs for an additional fee.
Cons of 2-10 Home Buyers Warranty
A few downsides to the company’s services include:
No choice of technician. The company doesn’t let customers choose their own repair technicians unless it is unable to find a contracted technician in their area. That means you’ll have to wait until the company has exhausted its network of providers before getting the option to find a technician of your own.
Doesn’t pay for access repair. If a repair technician has to cut into your wall, floor or ceiling to get to a covered item (such as a leaking pipe), 2-10 Home Buyers Warranty won’t pay to repair the surface.
Low customer satisfaction. Compared with competitors, the company’s customer satisfaction ratings are relatively low on Trustpilot, ConsumerAffairs and Better Business Bureau websites.
» READY TO GET A PLAN? Check out NerdWallet’s best home warranties in Texas and best home warranties in California.
Alternatives to 2-10 Home Buyers Warranty
Cinch Home Services
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Monthly fees
$31 and up
Service fees
$100, $125 or $150
per claim
States available
48
states, and Washington, D.C.
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Get local quotes
on Modernize's website
» MORE: Read our full review of Cinch Home Services
Old Republic Home Protection
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Monthly fees
$45 and up
Service fees
$100 to $125
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States available
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Liberty Home Guard
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Monthly fees
$50 and up
Service fees
$70–$125
per claim
States available
50
states, and Washington, D.C.
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» MORE: Read our full review of Liberty Home Guard
American Home Shield
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Monthly fees
$20 and up
Service fees
$100 or $125
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States available
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states, and Washington, D.C.
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» MORE: Read our full review of American Home Shield
More home warranty reviews from NerdWallet:
Methodology
NerdWallet's Home Services team evaluated home warranties across several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. Because costs can vary by location, it's best to get quotes from multiple companies before making a decision. Read more about how NerdWallet rates home warranties.
