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2-10 Home Buyers Warranty registered the phrase “Unexpected is Expensive.®” When a covered system or appliance fails, a home service plan can convert a potentially large, unexpected bill into a predictable monthly premium plus a per‑claim service fee. In 2025, typical market pricing for home service plans falls around $35–$80 per month ($420–$960 annually), with most providers using a per‑claim trade service call fee band of about $75–$150, depending on plan and ZIP code (example pricing framework; service-fee options).
Coverage and claims outcomes vary most by what each plan includes, the monetary limits and sublimits that apply, and the service fee you select. 2-10 Home Buyers Warranty (2-10 HBW) offers tiered systems-and-appliances plans with optional add‑ons. Final terms are set by your state’s Sample Service Agreement, which governs coverage, limits of liability, exclusions, workmanship guarantee period, and service‑fee options (state Sample Service Agreements).
Beyond the base plan items shown below, optional add‑ons commonly include limited roof‑leak coverage, pool/spa equipment, well pump, septic (and pumping), water softener, and additional refrigeration units (e.g., wine cooler, second fridge)—availability varies by state and plan (homeowner plans; what’s covered). Separately, 2-10 provides insurance‑backed 10‑year structural warranties to builders for qualifying structural defects in load‑bearing components; this is a different product from homeowner service plans (builder structural warranties).
Like most providers, 2-10 HBW charges a trade service call fee per dispatched claim and applies standard industry exclusions (e.g., pre‑existing conditions, improper installation, or lack of maintenance), with waiting periods and eligibility rules defined in the state contract (Sample Service Agreement). Home service contracts are regulated at the state level (for example, California licenses Home Protection Companies and Texas regulates Residential Service/Service Contract providers), which helps explain why terms can differ by state (California DOI home protection overview; Texas service contract program).
2-10 Home Buyers Warranty Overview
- Plan types: Appliances-focused tier; Systems + Appliances; Premium/expanded bundle (exact names vary by state—see your coverage and Sample Service Agreement)
- Pricing: Illustrative 2025 market range ~$35–$80/month (actual quotes vary by ZIP, home characteristics, plan tier, and chosen service fee; see provider quote tools such as AHS pricing for how tiers/fees affect premiums)
- Service fees: Per‑claim trade service call fee applies; many providers use selectable options, commonly ~$75–$150 (confirm in your state contract—2-10 Sample Service Agreement)
- Workmanship guarantee: Repairs completed through 2-10’s network are typically backed for 30–60 days or more, depending on item/type and state; see your contract for the exact period (contract governs)
- Contract length: Typically one year, with renewal subject to current terms and pricing (see your state agreement)
- BBB rating: See current BBB profile and complaint/alert history for 2-10 HBW (BBB profile)
- Home inspection required? Not typically required for enrollment (subject to state/plan terms)
- States served: Broad national availability with state‑specific terms; verify your address on the plans page
- Available appliance and system coverage: See chart below and 2-10’s What’s Covered page for your state
| Plan Type | HVAC + Water Heater | Major Appliances | Everything Together |
|---|---|---|---|
| Monthly Premiums | $35–$80 typical in 2025 (actual by ZIP, plan, and chosen service fee) | $35–$80 typical in 2025 (actual by ZIP, plan, and chosen service fee) | $35–$80 typical in 2025 (actual by ZIP, plan, and chosen service fee) |
| Appliances Covered | Gas/Electric Water Heater (coverage scope varies by state; see coverage details) | Refrigerator (with ice maker) Dishwasher Range/Oven/Cooktop Washer & Dryer Built‑In Microwave Trash Compactor Garbage Disposal | Includes all items in the Major Appliances plan, per state contract |
| Systems Covered | Central Heating and Cooling (HVAC) Thermostats Ductwork (scope varies) and related components; see contract for access/code/permit terms | None | HVAC (heating/cooling + ductwork) Plumbing (supply/drain; stoppages) Electrical (wiring, panels, switches/outlets) Gas/Electric Water Heater Ceiling/Exhaust Fans Central Vacuum Doorbell Garage Door Openers (item‑level inclusions vary by state—see What’s Covered) |
Who is this best for?
If you have a specific appliance or system in mind, confirm it for your ZIP code on 2-10’s Systems & Appliances page, then download your state’s Sample Service Agreement to verify dollar caps, sublimits, waiting periods, workmanship guarantee length, and any access/permits or refrigerant provisions. Pricing and service‑fee choices can materially affect value—typical 2025 monthly ranges are ~$35–$80 with service fees ~$75–$150 in the market (example pricing; fee options).
Because monetary limits and exclusions are state‑specific, buyers who are worried about a particular component (e.g., a compressor or heat exchanger) should check the item exhibit in the contract. 2-10’s premium tiers may expand covered components or raise certain caps compared with entry tiers in some states; the contract is the controlling source (contract governs).
Pros:
- Tiered plans covering major appliances and systems, with a broad add‑on menu (availability varies by state) (what’s covered)
- Selectable trade service call fee options are common in this market, letting you balance a higher fee for a lower monthly premium or vice versa (industry example)
- State‑specific Sample Service Agreements publicly disclose per‑item and aggregate limits, workmanship guarantee periods, and exclusions (2-10 contracts)
- Separate 10‑year structural warranties are available to builders for load‑bearing defects; these are distinct from homeowner service plans (builder structural warranties)
Cons:
- Use of a pre‑qualified contractor network is typical; using your own contractor may be restricted or require pre‑approval and reimbursement procedures
- Standard industry exclusions apply (e.g., pre‑existing conditions, lack of maintenance, improper installation); limits and waiting periods vary by state—review your Sample Service Agreement before buying
The Competition
| 2-10 Home Buyers Warranty | Complete Protection | Home Warranty of America | Choice Home Warranty | |
|---|---|---|---|---|
| States served | Broad national presence; terms vary by state (verify on the plans page) | Availability varies by state (see site) | Availability varies by state (see site) | Availability varies by state (see site) |
| Reviews rating | BBB profile: see current rating and complaints (BBB) | Review current third‑party ratings and BBB status on provider sites before purchase | Review current third‑party ratings and BBB status on provider sites before purchase | BBB profile includes alerts/government references—review before buying (BBB) |
| Service fee | Trade service call fee applies; typical market range ~$75–$150 (see state contract) | $0 service‑call fee advertised | Trade service call fee applies; typical market range ~$75–$150 | Trade service call fee applies; typical market range ~$75–$150 |
| Workmanship guarantee | Typically 30–60 days+ on completed repairs via network; see contract | Per contract | Per contract | Per contract |
| Customizable? | Yes | Yes | Yes | Yes |
| Other |
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*Information updated in 2025; see linked sources
2-10 Home Buyers Warranty compared to Complete Protection
Both companies route claims to a contractor and define coverage in state‑specific contracts. A key difference is the fee at claim time: 2-10 HBW charges a trade service call fee (confirm amount in your state contract), while Complete Protection advertises no service‑call fee/deductible (CP site). In today’s market, trade service call fees commonly land around ~$75–$150 among large providers (industry example).
2-10 HBW typically offers more plan tiers and add‑ons, while CP competes on predictable claim costs (no per‑claim fee). Remember that 2-10’s builder structural warranties are a separate product and don’t apply to homeowner service plans (builder warranties).
Before you buy, review current reputational signals and complaint patterns. Start with the provider’s BBB profile pages—e.g., 2-10 HBW’s BBB profile—and read the state contract for monetary caps, exclusions, any waiting period, and workmanship guarantee length (contract; FTC home warranty advice).
2-10 Home Buyers Warranty compared to Choice Home Warranty
Choice Home Warranty markets two core plans plus add‑ons and charges a trade service call fee; terms and caps vary by state (CHW site). Its BBB profile has included alerts and references to government actions—review the latest details carefully (government action).
This underscores why it’s essential to read the state‑specific contract for any home warranty—look for per‑item caps, aggregate limits, and exclusions, and confirm the service‑fee amount and workmanship guarantee for your plan (FTC consumer checklist).
With 2-10 HBW or any provider, confirm your annual aggregate maximum and per‑item caps in your state’s Sample Service Agreement before purchase; these limits determine your potential yearly payout and item category ceilings (2-10 Sample Service Agreement).
The bottom line
2-10 HBW’s homeowner plans can provide broad coverage with tier and add‑on flexibility, but the value comes down to your local quote, your chosen service fee, and the limits in your state contract. In 2025, expect market‑typical premiums around $35–$80/month and service fees ~$75–$150 per claim; use providers’ quote tools to compare like‑for‑like coverage and fee options (pricing example; fee options).
Also consider recent regulatory updates that affect how plans are sold and serviced: state regulation of service contracts (e.g., California and Texas oversight), stronger federal telemarketing and texting rules (TSR updates and seller‑specific TCPA consent), and tighter price transparency and auto‑renewal requirements in some states (Telemarketing Sales Rule; FCC TCPA consent rules; California junk‑fee law; California ARL; California Home Protection regulation). Compare multiple home warranty options, download each state contract, and choose the mix of premium, service fee, and caps that best fits your home.
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