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Published: Feb 22, 2024 12 min read

2-10 Home Buyers Warranty (2-10 HBW) is a home warranty company that offers customizable service contract plans for homeowners, builders and realtors.

2-10 HBW’s premium plan covers a broad list of home appliances and systems that many competitors don’t, including concrete-encased plumbing, ceramic cooktops and turntable platforms.

Read on for our full review of 2-10 Home Buyers Warranty. We include information on its plans, pricing and coverage limitations. We also review customer complaints and how 2-10 HBW compares to other home warranty providers.

Table of Contents

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2-10 Home Buyers Warranty Overview

Headquartered in Aurora, Colorado, 2-10 HBW offers home warranty coverage for major appliances and home systems. Its plans are available for homeowners, real estate professionals and home builders.

  • Offers structural warranty for new homes, and plans for realtors
  • Coverage available for less than $25 a month with the basic plan
  • Discounts on GE and Whirlpool appliances
  • Discounts with auto-renewal and gifts for referring friends
  • Unavailable in Alaska and Hawaii
  • Coverage for garage door openers and roof leaks cost extra

2-10 Home Buyers Warranty plans

2-10 HBW has three customizable coverage plans for home appliances and built-in systems:

  • Simply Kitchen
  • Complete Home
  • Pinnacle Home

Simply Kitchen only covers kitchen appliances, whereas Complete Home includes coverage for key home systems like plumbing, electrical and HVAC systems.

The Pinnacle Home plan covers every appliance and system covered by the Complete Home and Simply Kitchen plans plus additional coverage for related parts and accessories like hinges, handles and faucets, haulaway fees, and clothes washers and dryers.

With 2-10 HBW you can choose a service call fee of $65, $85 or $100. This is the amount you pay out of pocket when you request a service.

Other perks include:

  • The Appliance Discount Program, which lets you save up to 65% off retail prices on large and small appliances through 2-10 HBW's partnership with Whirlpool and GE.
  • The option to choose between repairing an appliance or requesting a $100 reimbursement for replacing said appliance.
  • An “Even If” service guarantee that can refund your service call fee if, after you submit a claim, 2-10 determines that the request isn’t eligible for coverage.
  • No additional service fee is charged if a component that has already been serviced by 2-10 HBW fails again within the contract term.

2-10 Home Buyers Warranty coverage

Below are the three plans 2-10 Home Buyers Warranty offers, including pricing and the items covered by each.

Simply Kitchen

(Starts around $27/month)

Complete Home
(Starts around $47/month)

Pinnacle Home
(Starts around $61/month)

  • Built-in microwaves
  • Dishwashers
  • Ranges
  • Ovens
  • Cooktops
  • Refrigerators with ice maker
  • Built-in microwaves
  • Dishwashers
  • Ranges
  • Ovens
  • Cooktops
  • Refrigerators with ice maker
  • Heating
  • A/C and heat pumps
  • Thermostats (all types)
  • Pipe leaks or breaks
  • Plumbing
  • Drain line stoppages
  • Sump pumps
  • Gas and electric water heaters
  • Electrical
  • Doorbell systems

All the items covered in the Complete Home plan, plus:

  • Washers 
  • Dryers
  • Haul away/Disposal fees 
  • Supreme coverage, which includes crane costs, filters, burglar and fire alarms, hose bibbs and additional coverage for a variety of  components and parts

Optional add ons

2-10 HBW lets you customize your plan by adding optional coverage for the following appliances and systems:

  • Additional refrigerators
  • Additional built-in wine coolers
  • Additional freestanding freezers
  • Wet bar refrigerators
  • Well pumps
  • Roof leaks
  • Washers and dryers
  • HVAC system surplus (for additional heating and air conditioner units)
  • Pre-season HVAC tune-up
  • Garage door openers
  • Water softeners
  • Septic systems
  • Pool and spa equipment
  • Saltwater pools
  • Extended pipe leaks
  • Luxury package (increases coverage to up to $5,000)

2-10 Home Buyers Warranty coverage limits

As with most home warranty companies, 2-10 HBW’s plans have coverage limits depending on the appliance or system. Coverage limits are the maximum amount the company will pay you for repairing or replacing a covered item

For plans that include coverage for home systems, 2-10 offers a maximum coverage of $2,000. However, you can bump coverage caps up to $5,000 by purchasing 2-10’s Luxury Package.

2-10 Home Buyers Warranty plans have the following coverage limits:

Covered item

Coverage limit


Up to $2,000


Up to $1,000


Up to $500

Built-in microwave

Up to $500

Heating (aggregate)

Up to $2,000

(Up to $5,000 with Luxury Package)

Gas lines

Up to $500

Air conditioning and heat pump (aggregate)

Up to $2,000

(Up to $5,000 with Luxury Package)

Refrigerant lines

Up to $500

Plumbing (aggregate)

Up to $2,000

(Up to $5,000 with Luxury Package)

Water heater

Up to $1,250

Toilet replacement

Up to $300 per toilet

Electrical (aggregate)

Up to $2,000

(Up to $5,000 with Luxury Package)


Up to $150

Garage door opener (aggregate)

Up to $500


Up to $1,000


Up to $1,000

Pool/Spa equipment

Up to $1,000

Roof leak

Up to $1,000

Septic system

Up to $500

Water softener

Up to $1,000

Well pump

Up to $500

What 2-10 Home Buyers Warranty doesn’t cover

2-10 Home Buyers Warranty doesn’t provide services to mobile homes without a permanent foundation, commercial properties or properties used for business purposes such as rentals or group homes. In addition, the company doesn’t cover damages caused by neglect or lack of regular maintenance.

2-10 HBW also excludes the following items or events from coverage:

  • Appliances not located in the primary kitchen
  • Geothermal and other water source systems
  • Piping or electrical lines located outside the serviceable area
  • Roof-mounted installations
  • Carpentry or modifications necessary to facilitate service
  • Failures caused by anything other than normal wear and tear such as natural events, animals or pests
  • Commercial grade appliances
  • HVAC units with a capacity greater than five tons

For more information about coverage limitations and exclusions, we recommend checking 2-10 HBW’s sample service agreement (available for download when you start a quote online).

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2-10 Home Buyers Warranty availability

State availability

2-10 Home Buyers Warranty is available in 48 states, excluding Alaska and Hawaii.

Contact information

2-10 Home Buyers Warranty offers 24/7 customer service and an online portal where you can file a claim or renew your warranty coverage.

To request a service or get a quote you can call 720-531-6717 or 800-775-4736.

You can also get a quote through the company’s website by providing basic information like your name, email, home address and phone number.

To cancel your service agreement you can call 720-531-6729.

User experience

2-10 HBW’s website is intuitive, user-friendly and includes detailed information about coverage, limitations and pricing.

Customers also have access to the online Homeowner Portal where you can submit service requests and track the status of your claims. You can also upload documents, request a different service contractor and escalate claims if they’re unaddressed.

The company’s contact information is easy to find including links to their Facebook page, LinkedIn and YouTube channel.

2-10 Home Buyers Warranty credentials

Regulatory or legal actions

As of this writing, we didn’t find any recent legal or major regulatory actions against 2-10 Home Buyers Warranty.

Although our team of writers and editors tries to include the latest and most accurate information on regulatory and legal actions, this information may not be complete or fully up to date. We recommend you do your own research for the latest information.

2-10 Home Buyers Warranty’s customer satisfaction

Third-party ratings

  • Better Business Bureau (BBB): 1.25 out of 5 average based on 439 customer reviews.

Customer complaints

2-10 Home Buyers Warranty has been accredited by the BBB since 2005 and currently has an A rating. The company has closed 1,245 complaints in the last three years, and 242 in the last 12 months, according to its BBB profile.

Despite 2-10’s relatively high grade rating, in 2021 the BBB identified a pattern of complaints from customers regarding extended hold times when calling the company and limited or unclear communication during the claim process.

Other common complaints include:

  • Longer-than-expected repair times, upwards to two months
  • Issues with contractors’ diagnosis or parts incorrectly installed
  • Receiving visits from multiple contractors without a solution

The information provided in this section is based on data available at the time of writing.

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2-10 Home Buyers Warranty comparison

Here’s how 2-10 Home Buyers Warranty compares to two major competitors.

2-10 Home Buyers Warranty vs. American Home Shield

Although American Home Shield (AHS) offers similar coverage to 2-10 Home Buyers Warranty, American Home Shield stands out for its higher coverage limits.

For instance, American Home Shield’s plans cover up to $5,000 for HVAC systems and up to $2,000 for appliances. In addition, its premium plan, Shield Platinum, bumps the coverage for appliances up to $4,000. On the other hand, 2-10 HBW covers up to $2,000 for HVAC systems and between $500 to $2,000 for appliances.

Note that 2-10 HBW lets you increase your HVAC coverage limit to a maximum of $5,000 through the Luxury Package, but you have to pay an additional monthly fee.

AHS also offers optional coverage for electronics, such as laptops, TVs and game consoles, which 2-10 doesn’t offer. However, AHS plans are relatively more expensive and have higher service fees than 2-10 HBW.


Plan pricing

(per month)

Service fee

(or deductible)


BBB rating

2-10 Home Buyers Warranty

$27 - $70*

$65, $85, $100

48 states


American Home Shield

$29.99 - $89.99*

$100, $125

Contiguous US


Read the full American Home Shield review.

2-10 Home Buyers Warranty vs. Choice Home Warranty

Choice Home Warranty offers two affordable home warranty plans that cover a combination of home systems and appliances, and charges a standard service call fee of $85. The main difference between Choice’s two plans is that its Total Plan includes coverage for air conditioning systems and laundry appliances, whereas the Basic Plan doesn’t.

Choice Home Warranty offers a higher coverage limit than 2-10 HBW for the access, repair or replacement of covered items — up to $3,000 compared to 2-10 HBW’s $2,000 for most systems. However, Choice Home Warranty isn’t accredited by the BBB and its C rating is much lower than 2-10 HBW’s A rating.

Additionally, Choice Home Warranty has a pending government action filed by the Arizona Attorney General for making alleged false promises to customers. The company’s BBB profile also has multiple customer complaints regarding unauthorized transactions after canceling a plan.


Plan pricing

(per month)

Service fee

(or deductible)


BBB rating

2-10 Home Buyers Warranty

$27 - $70*

$65, $85, $100

48 states


Choice Home Warranty

$46 - $55*


49 states


Read the full Choice Home Warranty review

Explore other home warranty options

Check out our reviews for other home warranty companies to consider:

2-10 Home Buyers Warranty FAQs

What is 2-10 Home Buyers Warranty?

2-10 Home Buyers Warranty is a home warranty provider for homeowners, builders and real estate agents. Its home warranty plans offer coverage for major home appliances and systems like kitchen appliances, clothes dryers, washers and electrical systems.

How do I cancel a 2-10 home warranty?

You can cancel a 2-10 Home Buyers Warranty contract by calling 720-531-6729 or 855-280-1320. Customers who cancel within the 30-day waiting period typically receive a full refund; after this period refunds are prorated. Cancellations may also be subject to an administrative fee of 10% of the price paid or between $25 to $75 depending on your state.

How much is a 2-10 home warranty?

2-10 HBW’s coverage plans start at around $27 per month. Like most home warranty companies, 2-10 HBW charges a service fee that can vary between $65, $85 or $100. Choosing a higher service fee will typically result in a lower monthly premium.

How we evaluated 2-10 Home Buyers Warranty

Our writers and editors have reviewed home warranty companies since 2020 and spent thousands of hours researching the top providers in the industry.

We evaluated 2-10 Home Buyers Warranty based on the following factors:

  • Services offered: We considered the company’s coverage, plans, limitations and compared them to that of other home warranty providers.
  • Cost: We looked at plan pricing and coverage to determine cost-effectiveness.
  • Availability: We preferred companies with nationwide coverage or servicing at least 30 states.
  • Legal actions: We checked if the company had any recent legal or regulatory actions lodged against it.
  • Customer service: We searched the company’s standing with BBB and examined customer reviews and satisfaction ratings to gauge customers experience and any patterns of complaints.

For our full methodology, read our complete guide for the Best Home Warranty Companies.

Summary of Money’s 2-10 Home Buyers Warranty Review

2-10 Home Buyer Warranty stands out for offering multiple options for enhancing coverage, and for its relatively low service fees. The company’s premium plan covers a wide range of items that are typically not covered by other home warranty companies, such as ceramic cooktops, fire alarms, rotisseries, turntable platforms and concealed plumbing.

Additionally, 2-10 HBW offers customers access to discounts on GE and Whirlpool brand appliances and a service fee guarantee that refunds the fee if your claim is ineligible for coverage.

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