Are Home Warranty Plans Worth It?

Young multiethnic couple checking bills while managing accounts on home banking app. Serious guy and african woman sitting at home discussing finance for the month. Young casual man and girl using laptop while looking at invoice and plan the budget to save, wondering if a home warranty is worth it.

Home warranties are worth it for homeowners who want peace of mind and a cost-effective solution to expensive, inconvenient breakdowns to home systems and home appliances.

But if you’re saying to yourself, “Of course a home warranty company would say that,” we have some information that might convince you that a home warranty company saying, “Yes, it’s worth it” is more than just a transparent sales pitch.

Why Is a Home Warranty Worth It?

A home warranty plan from 2-10 Home Buyers Warranty (2-10) is worth it for three reasons.

  1. Coverage that complements homeowners insurance
  2. Budget protection
  3. Peace of mind that you have the right technician

Let’s go through each benefit briefly.

Home Warranty vs. Homeowners Insurance

Over time, your home’s systems and appliances will break down from routine use. But homeowners insurance often doesn’t cover the most common breakdowns.

A home warranty covers things like your HVAC, plumbing, electrical, washer and dryer, or water heater when they break down from routine wear and tear, which helps reduce repair costs.

Home insurance, on the other hand, covers damage from things like fire, theft, and weather.

With a 2-10 Home Warranty Plan and home insurance, you can round out your coverage for fuller protection, which can help you minimize expenses.

Protecting Your Budget

Home breakdowns are expensive. Repairs and replacements could cost hundreds, thousands, or even tens of thousands of dollars. And because breakdowns don’t occur on a schedule, they can put your budget in an unexpected bind.

A 2-10 Home Warranty Plan can help vastly reduce those costs. In some cases, you may only have to pay a Service Fee to repair or replace major home systems and home appliances, like your air conditioner, furnace, water heater, or refrigerator.

Protect more,
pay less with 2-10

Low-cost home service plans.

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Technicians You Can Trust

One of the most stressful parts of addressing a breakdown is finding the right person to help. Experiencing a major breakdown, especially one that needs immediate attention, can make it difficult to find and vet a technician yourself.

Having a 2-10 Home Service Plan removes this difficult step because when you have a breakdown, we find the right person for you.

All you’d need to do is file a claim online or by phone. Then, 2-10 dispatches a local, vetted service technician to diagnose the problem, you pay them a Service Fee, and the process of solving your breakdown begins.

What Does a Home Warranty Cover?

A home warranty covers breakdowns to certain home systems and home appliances caused by routine wear and tear. Here are some of the bigger-ticket items a home warranty service contract could cover:

  • HVAC system
  • Water heater
  • Plumbing system
  • Electrical system
  • Major kitchen appliances (fridge, oven, dishwasher, etc.)

You can also add premium options to cover things like garage door openers, roof leaks, and pipe leaks that occur outside your house’s footprint. And with 2-10, you can even adjust certain coverage limits, how much you pay for a Service Fee, and access exceptional discounts.

How Much Does a Home Warranty Cost?

The cost of a 2-10 Home Service Plan depends on what you need.

For example, our most affordable plan, Simply Kitchen, costs as little as $27 a month.

You can get the right price for your situation with a free, no-obligation quote from 2-10.

Protect more,
pay less with 2-10

Low-cost home service plans.

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Repair or Replace?

Generally, when a Covered Item breaks down, the first step will be to try to repair the breakdown. Repairing as a first step has a couple immediate benefits:

  1. It’s almost always less expensive.
  2. It usually gets things up and running again more quickly.

However, if a repair isn’t possible, your technician may call for a replacement. In this case, 2-10 may cover the replacement costs—up to the clearly stated limits in your Home Service Plan.

Either way, a 2-10 Home Service Plan helps reduce the costs of breakdowns.

What Are Limits?

All home warranty companies have limits on coverage. These limits help keep the overall costs to address breakdowns affordable.

You can read more about what limits are and how they work here.

What About Old Houses?

No matter how old your house is, a 2-10 Home Service Plan can protect your home systems and appliances, as long as the Covered Items are in good working order.

Buying or Selling a House

A home warranty is the #1 home-selling incentive in 2024. It’s an especially attractive incentive for home buyers because it provides a record that shows the home’s systems and appliances are in good working order.

Additionally, a home warranty for sellers can help prevent breakdowns from derailing the sale. And 2-10 Seller Coverage is complimentary where allowed by law (except in Florida, where it’s $60).

And unlike many home warranty companies, 2-10 offers unlimited refrigerant recapture and recharge, which can be a big budget saver.

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Choose 2-10

Protecting your budget and having the right technician can make dealing with unexpected breakdowns much easier.

2-10 offers Home Service Plans that you can personalize, high-quality customer service, access to local technicians that help you get your home humming again after a breakdown.

Choose a home warranty company you can trust. Choose 2-10.

Protect more,
pay less with 2-10

Low-cost home service plans.

A/C Unit


Protect more,
pay less with 2-10

Low-cost home service plans.

Learn More