2-10 Home Buyers Warranty
Author: Kalicia Bateman
2-10 Home Buyers Warranty (2-10 HBW), a Denver-based company founded in 1980, offers a wide range of home warranty products and services for homeowners, real estate agents, and builders. Homeowners can choose from prearranged or personalized plans with service fees ranging from $85 to $125.
Keep reading for more information about this company or jump down to read 2-10 Home Buyers Warranty reviews.
Video Customer Reviews
Pros
- 2-10 Home Buyers Warranty Price
- 2-10 Home Buyers Warranty Plans
- Add-On Coverage
- Appliance Benefits
- 30-Day Money-Back Guarantee
- 24/7 Claim Submission
- Exclusive 'Even-If' Service Fee Guarantee
- Contractor Options
- Real Estate Warranty Plan Packages
- Builder Warranty Plan Packages
2-10 Home Buyers Warranty Price
2-10 Home Buyers Warranty has affordable pricing starting at $37 per month. However, if you choose the Simply Kitchen plan, pricing will start at as little as $17 per month. The company's most popular plan is the Pinnacle with Supreme coverage (which also covers a washer and dryer) starts as low as $60 a month.
Compared to other home warranty companies, 2-10 HBW’s pricing is extremely competitive — most companies have plans starting at approximately $45.
2-10 Home Buyers Warranty Plans
2-10 Home Buyers Warranty offers three home warranty coverage plans that cover major home appliances and systems:
- Simply Kitchen
- Complete Home
- Pinnacle Home
| Covered Items | Simply Kitchen Plan | Complete Home Plan | Pinnacle Home Plan |
| Heating | ✔ | ✔ | |
| Cooling | ✔ | ✔ | |
| Plumbing | ✔ | ✔ | |
| Electrical | ✔ | ✔ | |
| Washer/dryer | ✔ | ||
| Built-in microwave | ✔ | ✔ | ✔ |
| Dishwasher | ✔ | ✔ | ✔ |
| Range/oven/cooktop | ✔ | ✔ | ✔ |
| Refrigerator | ✔ | ✔ | ✔ |
| Supreme coverage* | ✔ |
*Supreme coverage offers increased protection for your home’s appliances, washer and dryer, heating and cooling, plumbing, and electrical (options vary by plan and zip code).
Add-On Coverage
To personalize your home warranty plan, 2-10 Home Warranty offers add-on coverage for the following appliances and systems:
- Additional refrigeration
- Septic system
- Well pump
- Washer/dryer
- Plumbing and electrical
- Garage door opener
- Extended pipe leak
- Pool/spa equipment
- Roof leak
- Water softener
In addition, 2-10 Home Warranty offers specialized programs and packages that can be added to any home warranty plan:
- Supreme Package — deeper coverage for the appliances and systems that matter most in your home (options vary by plan and zip code)
- Luxury Package — increased coverage with increased dollar limits to $5,000 for appliances, heating, and cooling
- HVAC Surplus — increased coverage for your heating and air conditioning systems
- Pre-season HVAC tune-up — a 28-point tune up and inspection option
- Service fee options — lower your service fee when you request service
Appliance Benefits
In addition to its plans and add-on coverage options, 2-10 Home Buyers Warranty offers unique appliance benefits:
- Appliance Color Matching — If you are getting an appliance replaced, 2-10 HBW offers to match the existing appliance's color. While always preferable, most warranty companies do NOT cover any cost of matching.
- Appliance Replacement Offer — If a covered appliance fails, you can either choose to proceed with the normal claims process or accept a $100 reimbursement for purchasing a replacement appliance of your choice.
- Appliance Discount Program — If you need to replace an appliance, 2-10 HBW offers a 65% discount on GE and Whirlpool appliance retail prices.
30-Day Money-Back Guarantee
If you cancel before the effective date, a full refund will be issued. After that, fees will be deducted from your refund. While this gives you the freedom to cancel during the 30-day waiting period before your warranty coverage starts, a full refund is not available once it starts.
The following restrictions may apply:
- If you cancel up to 10 days after the effective date, you are eligible for a refund, but are responsible to pay a $25 processing fee and any amount that the provider paid for service.
- If you cancel more than 10 days after the effective date, you will receive a pro-rata refund for the remaining unused portion of the contract, less any amounts that the company paid for service and the $25 processing fee.
24/7 Claim Submission
2-10 Home Buyers Warranty provides 24/7 service to its customers. Homeowners may submit a service request 24/7 through their online portal or over the phone.
A service contractor will be dispatched to schedule a time, Monday through Friday during normal business hours, to diagnose and repair the eligible system or appliance.
Exclusive “Even-If” Service Fee Guarantee
2-10 Home Buyers Warranty customers benefit from a unique service fee guarantee. This guarantee includes the following benefits:
- If you paid a service call fee, but your item was not eligible for coverage, you can request reimbursement.
- If a covered part is serviced and fails again within the term of the Home Warranty Service Agreement, another Service Fee will not be due.
Contractor Options
Some home warranty companies prevent customers from calling the approved contractors directly. 2-10 Home Buyers Warranty allows its customers to contact the contractors directly to expedite the process. If you are looking for a quicker turnaround time, this is a nice feature to have.
Your chosen service contractor must be licensed and insured. He or she must also contact 2-10 HBW with a detailed diagnosis and estimate to see if it's covered and to get an authorization number.
If an in-network pro is not available, it's one thing, but if you simply choose to get your own repair, 2-10 will only cover "an amount equivalent to what [2-10] would have paid for parts and labor for a contracted provider to complete the needed service."
Real Estate Warranty Plan Packages
If you are buying or selling a home, 2-10 Home Buyers Warranty offers distinct service contracts for home buyers and sellers, which must be purchased through a real estate professional:
- Seller Coverage — 2-10 HBW offers free seller coverage for appliances, heating, plumbing, and electrical systems. Free coverage is not available where prohibited by law, including the state of Florida. Complimentary seller policies don't cover air conditioning or heat pumps, but coverage can be added for $50–$60.
- Buyer Coverage — Same as seller coverage, with the basics, but it also includes the Happy Home Lock & Hardware program, which provides reimbursement up to $100 to install new locks or rekeying within 45 days after closing. No service fee is charged.
- 3-Year New Home Warranty Plans — Appliance and home system repair service contracts to buyers of brand new houses. As with other real estate contracts, new construction home warranties must be purchased through a partnering real estate agency.
Builder Warranty Plan Packages
2-10 Home Buyers Warranty is the industry leader in structural warranties for home builders. The following programs are available:
- Workmanship, distribution system and structural warranties — The industry’s best protection for builders, including access to the 2-10 HBW Warranty Administration team to answer any questions or resolve any concerns. One-year or two-year surety coverage is available, as well as 10-year insurance-backed coverage for qualifying structural defects.
- Structural-only warranty — 10-year insurance-backed coverage for qualifying structural defects.
- Builder Backed Service Program (BBSP) warranties — Coverage without insurance backing.
- New modular or manufactured home warranty — Insurance-backed coverage for modular and manufactured homes.
In addition to these programs, 2-10 HBW offers additional services and enhancements for builders:
- Claims administration
- Grandfathering
- Flexible warranty term for distribution systems
- Flexible warranty term for structural coverage
- No surety coverage
- Deductible/shared risk options
- Manufactured home options
- Modular home options
If you are building a home, 2-10 HBW could be the best choice for you, offering the widest array of programs and services for home building.
Cons
2-10 Home Warranty Reviews
One star home warranty reviews aren't necessarily uncommon. Thirty percent of all home warranty company reviews aggregated on Best Company are one-star.
Common complaints for 2-10 HBW include the following issues:
- Customer service issues
- Extended wait times for repairs
- Unexpected fees
- Denied claims
High Service Call Fee
Although a few home warranty companies do not charge a service fee, most do. 2-10 HBW's service fee ranges from $25 to $85, depending on the type of coverage you have.
If you are hoping to avoid extra costs, this is something to factor into your decision.
Coverage Limits
All home warranties have coverage limits. It's important to know what they are when you are shopping for your best options.
Each 2-10 Home Buyers Warranty has a total maximum coverage amount of $25,000, regardless of the options or coverages selected.
Buyers, sellers, and homeowners who purchase a warranty outside of a real estate transaction have different policies and coverage limits.
The Bottom Line
2-10 Home Buyers Warranty provides a variety of home service and repair agreements that fit a large majority of homeowner circumstances and needs. Customers benefit from this well-established warranty provider's systems, policies, and network of repair pros. Claims can easily be submitted 24 hours a day.
As with any home warranty purchase, shoppers should be aware of plan options, restrictions, and coverage limits, as well as added costs — like the finance charge that 2-10 HBW charges for monthly payments.
