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2-10 Home Buyers Warranty registered the phrase “Unexpected is Expensive.®” An unexpected problem with one of your home’s major appliances or systems isn’t just a hassle; it can also be a big financial hurdle. A home warranty can help mitigate the cost and get you past the hurdle.
Home warranties vary in comparison in a couple key areas. 2-10 Home Buyers Warranty shines in the sheer number of systems and appliances they cover.
On top of the numerous appliances and systems outlined in their plans (see the chart below), they also offer coverage for some of your home’s structural elements and add-on protection for wine coolers, roof leaks, septic systems, pool equipment, and more.
Like many major home warranty providers however, 2-10 Home Buyers Warranty warranties do come with lack-of-maintenance exclusions and service fees.
2-10 Home Buyers Warranty Overview
- Plan types: HVAC and Water Heater, Major Appliances, Everything Together
- Pricing: $37+
- Service fees: $85-125
- Workmanship guarantee: One year
- Contract length: One year
- BBB rating: A
- Home inspection required? No
- States served: All
- Available appliance and system coverage: See chart below
| Plan Type | HVAC + Water Heater | Major Appliances | Everything Together |
|---|---|---|---|
| Monthly Premiums | $37+ | $37+ | $37+ |
| Appliances Covered | Water Heater | Refrigerator with Ice Maker DishwasherStove/Oven/RangeWasher & Dryer Built-In MicrowaveTrash CompactorGarbage Disposal | Major Appliances Plan |
| Systems Covered | Central Heating System Thermostats (all types)Gas Lines CodesPermits & Modification Central Refrigeration SystemsHeat Pumps Evaporative CoolersDuctwork | None | HVAC + Water Heater PlanPipe LeakDrain Line StoppagesGas/Electric Water HeaterToiletsTubs & Showers Fixtures & Valves WiringSwitches & Outlets Central Vacuum DoorbellAttic and Exhaust FansGarage Door OpenersLighting Fixtures |
Who is this best for?
If you have a specific appliance or system that you want covered, it’s easy to find out if 2-10 Home Buyer Warranty will protect it. Keep scrolling down on their Systems & Appliances webpage.
Towards the bottom of the page, 2-10 outlines its three plans and all of the systems, appliances and structures covered. If you’re worried about having to repair or replace a specific part of your home, it’s highly likely that one of 2-10 Home Buyers Warranty’s three plans can cover it.
Pros:
- Coverage for a wide range of appliances, structures, and systems, plus add-on protection options for specific appliances and systems
- Plans starting at $37 a month
- Year-long workmanship guarantee, which guarantees the work performed by a 2-10 Homebuyers Warranty contractor for one year
- High annual aggregate limit of $25,000
Cons:
- Pre-qualified contractor network, which means you have to use one of 2-10 Home Buyers Warranty’s professionals rather than choosing one of your own
- Lack-of-maintenance exclusions, which means your claim can be denied if 2-10 Home Buyers Warranty decides you haven’t been properly maintaining the system or appliance
The Competition
| 2-10 Home Buyers Warranty | Complete Protection | Home Warranty of America | Choice Home Warranty | |
|---|---|---|---|---|
| States served | All | 47 + Washington, D.C. | All | 47 + Washington, D.C. |
| Reviews rating | 4.25/5 | 4.5/5 | 4/5 | 3.5/5 |
| Service fee | $85-125 | $0 | $60-75+ | $85 |
| Workmanship guarantee | One year | Not specified | Not specified | 90 days parts, 30 days labor |
| Customizable? | Yes | Yes | Yes | Yes |
| Other |
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*All information accurate as of 4/14/20
2-10 Home Buyers Warranty compared to Complete Protection
As with most home warranty companies, a service technician may be required to come to your house to appraise the situation in the event of a claim. With 2-10 Home Buyers Warranty, you can expect to pay $85 to $125 for the service fee. With Complete Protection however, no fee is charged.
That said, despite the name, Complete Protection can’t offer as broad-ranging protection for your house as 2-10 Home Buyers Warranty. 2-10 Home Buyers Warranty is unique in their offer to protect your home’s structures along with its appliances and systems.
Both companies have decent rankings from the Better Business Bureau (BBB). 2-10 Home Buyers Warranty scores a solid “A”, while Complete Protection has earned an “A+”.
2-10 Home Buyers Warranty compared to Choice Home Warranty
While 2-10 Home Buyers Warranty and Complete Protection both look solid with the BBB, Choice Home Warranty raises some red flags. Not only does the BBB give them a B-, but they also have government action against them in the form of a consumer fraud lawsuit in Arizona.
The Arizona suit highlights just how important it is to clearly understand exactly what you do and don’t get with your home warranty. It claims that Choice Home Warranty “used contract exclusions, payment caps, and bad-faith refusals to avoid paying for repairs.”
If you do go with a warranty from 2-10 Home Buyers Warranty — or any warranty provider, really — make sure you read your contract thoroughly so you can best understand where your protection starts and stops.
Fortunately, with a relatively high annual aggregate limit of $25,000, you shouldn’t need to worry about a cap on your yearly payout from 2-10 Home Buyers Warranty.
The bottom line
At the end of the day, warranties from 2-10 Home Buyers Warranty can offer you broad-spectrum protection and, perhaps more importantly, peace of mind. But don’t skimp on comparing your home warranty options.
Comparing plans and prices ensures that if you do decide to purchase a home warranty, you’re getting the best deal and the best protection for your home.
About the Authors
Kacie Goff is a insurance and personal finance writer with over five years of experience covering personal and commercial coverage options.
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