10 Year Builder Warranty

2-10 Home Buyers Warranty

What is a 10 Year Builder Warranty?

A 10 Year builder warranty is a structural warranty that provides a written agreement between the home builder and the homeowner and clearly defines the builder's work-product obligations related to construction quality and continuing obligations. Under the agreement, the builder is the insured and the homeowner is the beneficiary.

2-10 Home Buyers Warranty
2-10 Home Buyers Warranty

Why an insurance-backed 10 Year builder warranty?

An insurance-backed, 10 Year builder warranty, from 2-10 Home Buyers Warranty, gives builders and homeowner's confidence that if qualified major structural damages develop in a home, those repairs will be the obligation of the warranty insurer rather than the responsibility of the builder and homeowners. The 2-10 HBW warranty uses an insurance company dedicated to the payment of warranty claims.

Why do I need a 10 Year builder warranty?

Even builders with an excellent history of no structural‐defect claims can find themselves dealing with structural warranty issues years after closing.

Implied warranty laws are subject to vague and unpredictable interpretations that can vary from one court decision to another. Using an express limited warranty such as a new construction home warranty that disclaims all implied warranties and eliminates this uncertainty, and helps set a buyer's expectations.

2-10 Home Buyers Warranty
2-10 Home Buyers Warranty

What does an insurance-backed 10 Year builder warranty include?

  • Insurance-backed coverage starting Day 1
  • 10 years of coverage for qualifying structural defects to load-bearing components

Typical load-bearing elements covered by a 10 Year builder warranty

  • Footings and foundation systems
  • Beams
  • Columns
  • Girders
  • Load-bearing walls and partitions
  • Lintels
  • Roof framing systems
  • Masonry arches

How is a 2-10 builder warranty different than a 10 Year builder warranty?

Along with 10 years of coverage for qualifying structural defects to load‐bearing components the 2-10 builder warranty provides additional workmanship and systems surety coverage for the builder.

  • 1 year of surety coverage against defects in workmanship and materials
  • 2 years of surety coverage for defects in wiring, piping and ductwork in electrical, plumbing, heating, cooling, ventilating and mechanical systems
2-10 Home Buyers Warranty

Benefits of a new home construction
warranty to builders

Why 2-10 Home Buyers Warranty?

  • We've paid more claims than any other provider
  • No soil exclusions
  • Almost 1 million warranties in force
  • 1 out of 7 New homes has a 2-10 HBW 10 Year Structural Warranty
  • Decades of building industry experience
  • Our warranty language is concise, and clearly defines structural defects with no hidden limitations
  • A local and national support team
  • 2-10 HBW is affiliated with the second-largest reinsurance company in the world

2-10 Home Buyers Warranty
2-10 Home Buyers Warranty

Understand the importance of a structural warranty to your business and why you should choose 2-10 Home Buyers Warranty over others.


How much does a 10 Year builder warranty cost?

On average the cost of a 10 Year warranty is less than a half percent of the total purchase price of the home including the land. The cost varies from state to state due to the risks of local soil conditions.

Overall the price is quite small compared to the home's value and what average structural repairs would cost.

A builder's out of pocket costs for structural repairs can average from $42,500 in low-risk states to $133,000 in high-risk states.

2-10 Home Buyers Warranty