2-10 Home Buyers Warranty Review: Cost, Plans, and Coverage

2-10 Home Buyers Warranty legitimacy and licensing

Yes. 2-10 was founded in Denver in 1980. Its main business is the insurance-backed structural warranty that builders put on new homes, and Frontdoor says about one in five new US homes carries one. It also sells regular home warranties directly to homeowners and through real estate agents.

Ownership changed recently. Frontdoor, Inc., the Memphis company behind American Home Shield, announced a $585 million all-cash purchase in June 2024 and closed it on December 19, 2024. The homeowner contract now lists the provider at Frontdoor’s Memphis address, and 2-10’s quote forms ask you to consent to contact from “our sister brand American Home Shield.”

Its scores are weak for a company this size. The BBB rates it A and it has been accredited since March 2026, but it logged 743 complaints in three years against 277 reviews. Trustpilot shows 1.3 out of 5 from 90 reviews, and the company doesn’t reply. It’s a real company that pays covered claims, but expect friction.

2-10 Home Buyers Warranty cost

2-10 now sells two homeowner plans, and the price doesn’t change with home size, location or the age of your systems:

• Systems, $39.99 a month: parts of 19 systems, including heating, AC, ductwork, electrical, plumbing, water heater and garage door opener. HVAC cap $5,000 per system.
• Pinnacle, $59.99 a month: everything in Systems plus the refrigerator, range and oven, dishwasher, microwave, disposal, washer and dryer. Appliance cap $2,000 each.

That’s about $480 or $720 a year before service fees. You choose your service feeService fee (trade call fee). The amount you pay each time the company sends a technician. Compare home warranty companies when you buy and pay it on every visit. 2-10 doesn’t publish the amounts, and its sample contract shows a $0 to $350 range, so check the number at checkout. A lower fee usually means a higher monthly price. Add-ons include roof leak repair (capped at $1,000), well pump ($1,500), septic pumping ($500), pool and spa equipment and an Allstate electronics plan.

Older reviews that mention a Simply Kitchen plan from $27 a month, or fixed $65, $85 and $100 fee options, are out of date. 2-10’s homeowner site lists only Systems and Pinnacle now.

What 2-10 covers and what it doesn't

Coverage starts 30 days after you sign up. Each covered item has its own cap, and the whole agreement term has a $50,000 total limit. The sample contract also caps opening and closing walls to reach a covered item at $1,000, and refrigerant at $10 a pound within the HVAC cap.

Exclusions in the sample contract that lead to most disputes:

• Known pre-existing breakdowns: problems you knew about before coverage started.
• Permits, code violations and modifications: if a repair needs a permit, a code upgrade or changes to fit a new unit, you pay for that part.
• Non-covered parts: you pay the contractor directly for anything outside the contract.
• Geothermal systems, power sources such as solar, and many roof types under the roof add-on, including metal, condo and townhome roofs.

2-10 can choose rebuilt parts and decides between repair, replacement or a cash payout. Download the sample agreement for your state from 2-10’s contracts page before you buy, because terms vary by state.

2-10 complaints and how to avoid problems

BBB complaints and Trustpilot reviews keep coming back to the same issues:

• Hold times and missed callbacks when you try to reach a person about a claim.
• Denied claims, often over pre-existing conditions, maintenance or parts outside the contract.
• Slow HVAC repairs, with some families reporting weeks without air conditioning while a replacement was approved and scheduled.
• Contractor no-shows or unfinished work.
• Several long-time customers say service declined after the Frontdoor sale.

To protect yourself, have your HVAC serviced and keep the receipts, since maintenance records help when a claim hinges on wear versus neglect. File through the online portal so there’s a time-stamped record. Ask for the denial reason and the contract section in writing. If a claim stalls, file a BBB complaint, which 2-10 has a staff contact for, and contact your state attorney general or the agency that regulates service contracts in your state.

Canceling a 2-10 home warranty

Call 1-844-784-5209 to cancel. You can cancel any time, and it takes effect right away. Within the first 30 days, 2-10 refunds what you paid minus any service and claim costs, with no admin fee. After 30 days, you get a prorated refund minus claim costs and an admin fee of up to one month’s payment, where state law allows. Plans renew automatically, monthly or yearly, and changing your card doesn’t cancel the plan. The contract requires individual arbitration and waives class actions, so read section 16 of your state’s sample agreement.

2-10 structural warranties for new homes

If your builder gave you a 2-10 warranty, that’s a different product from the home warranty sold on this page. The builder warranty is an insurance-backed structural warranty that the builder buys, and it covers defined structural failures for a set number of years. Claims for structural defects go through the builder warranty’s own process. Questions about it should go to 2-10’s builder warranty team, not the homeowner plan line.

Who should pick something else

• You only want appliance coverage. The Systems plan covers no appliances, and Pinnacle costs $59.99. American Home Shield, the sister brand, starts at $29.99.
• You worry about caps. First American says it has no total dollar cap on conventional heating and AC, though appliances and roof leaks have limits in its contract.
• Your systems are new. Manufacturer and builder warranties may already cover them.
• You can self-insure. A dedicated savings account avoids service fees, caps and claim denials.