# 2-10 Home Buyers Warranty Holds Up for Protection, But Plan Carefully
2-10 Home Buyers Warranty offers structural protection for newly built homes and existing homes through two coverage tiers. The company covers major defects in foundation, roofing, plumbing, electrical systems, and HVAC equipment for 10 years on new construction and varying lengths on resale properties.
The basic plan covers structural elements and major systems for the first two years, then transitions to a 10-year structural coverage period. This two-phase approach explains the company's name. New home buyers get the full decade of protection. Existing home buyers receive shorter coverage windows, typically one to five years depending on the property's age.
Pricing varies by home value and location. A $300,000 new construction home costs roughly $900 to $1,200 for basic coverage annually. Existing home plans run cheaper, often between $300 and $600 per year. However, 2-10 excludes cosmetic damage, maintenance issues, and pre-existing defects discovered during inspection.
The claims process operates through a phone system and online portal. Homeowners report problems to 2-10's customer service team, which assigns a licensed inspector. If coverage applies, the company arranges repairs or provides reimbursement. Response times vary, and some customers report delays during peak seasons.
2-10 ranks among the largest home warranty providers but faces competition from American Home Shield and First American Home Warranty. The company's financial strength matters here. Buyers want confidence that 2-10 can pay claims years down the road.
Read the fine print carefully. Exclusions for items like water heaters, septic systems, and swimming pools apply to some plans. Coverage caps exist on certain repairs. Ask about the deductible structure before purchasing. Some