If you’re new to a home warranty plan, you might be wondering what it actually covers.
A 2-10 Home Service Plan helps reduce the cost of covered breakdowns to select systems and appliances around your home. But which systems and appliances qualify for that coverage?
Every warranty is a little different. 2-10 Home Buyers Warranty (2-10) strives to make your coverage crystal clear.
So let's break down exactly how your home warranty coverage (Home Service Plan) works, what it protects, and how you can get the most out of it.
Here’s what a homeowners warranty covers.
What Items Does a 2-10 Home Warranty Cover?
2-10's home warranty plans can cover up to 21 major home systems and appliances, depending on your selected coverage level. Here's a breakdown of potential home warranty coverage:
Home Systems:
- HVAC (heating, cooling, and ventilation)
- Plumbing
- Electrical
- Water heater (tank and tankless)
- Ductwork
Appliances:
- Refrigerator
- Ranges, ovens, and cooktops
- Built-in kitchen exhaust fans
- Dishwasher
- Garbage disposals
- Built-in microwave
- Washer
- Dryer
- Instant hot/cold water dispenser
There’s no one-size-fits all as far as home warranties are concerned. Every home—and every household—is different. That’s why 2-10 Home Service Plans offer customizable options, including extending coverage to your garage door opener or pool and spa equipment.
Let’s take a closer look at five common systems and appliances that a 2-10 Home Service Plan can help you protect.
HVAC systems
Your heating, ventilation, and air conditioning system works hard year-round—and when it fails, it could cost you up to $6,000 to replace your AC and up to $5,600 to replace your furnace.1
A 2-10 home warranty helps cover:
- Repairs and replacements related to normal wear and tear
- HVAC systems of any age
This kind of home warranty coverage can drastically reduce unexpected repair bills.
Water heaters
When a breakdown happens from normal wear and tear — whether you have a gas, electric, or tankless unit — water heater warranty coverage could help cover the cost of repairs on components such as the tank itself, thermostat, heating elements, or drain valve.
Tank water heaters typically last around 10 years, while tankless models can go for a little longer.2 But life span depends on a lot: maintenance, water quality, even how it was installed. And when yours finally fails, it rarely does so at a convenient time.
The average replacement cost of a tank water heater is up to $2,000. A 2-10 home warranty could help lower that cost to a much smaller service fee. can mean the difference between a costly headache and a simple service request.
Kitchen appliances
A 2-10 home warranty can provide coverage for covered parts of your home’s most important kitchen appliances, including your:
You can also add optional coverage for even more items, such as:
Plumbing leaks
Plumbing leaks can drain your budget. Leaky faucets and running toilets can tack on hundreds of extra dollars to annual water bills. Even worse, plumbing leaks or line breaks can cause serious damage to your home.
A 2-10 home warranty can help you cover some or even all of the costs related to these problems. From leaky faucets to running toilets to line breaks, 2-10 helps cover the cost of repairs before they spiral into something bigger and costlier.
Learn more about what types of plumbing problems are covered.
Stopped-up drains
A sink that won’t drain. A shower slowly filling like a bathtub. Backups like these can disrupt your daily routine fast, and DIY drain unclogging fixes don’t always cut it.
With a 2-10 home warranty, many common drain and plumbing stoppages could be covered. That includes clearing clogs in sinks, bathtubs, toilets, and laundry drains as long as the issue wasn’t caused by a broken or collapsed pipe, or a blockage related to tree root intrusion.
All you have to do is place a quick call or submit a service request online, and 2-10 will connect you with a quality, independent Pro who can get to the root of the problem and restore flow to your home quickly and professionally.
What Doesn’t a 2-10 Home Warranty Cover?
While a 2-10 home warranty helps protect your budget from a wide range of system and appliance breakdowns, it’s important to understand what a home warranty doesn’t cover, especially when it comes to disasters, accidents, or damage from external forces. These are cases for coverage from homeowners insurance, not home warranty coverage.
Why not just stick with homeowners insurance, then? One of the most common misconceptions among homeowners is that their insurance will extend to things like a broken HVAC system or a leaky water heater. But that’s simply not the case.
The role of homeowners insurance
Homeowners insurance is designed to protect your home from unexpected, external events. It’s a shield against sudden disaster or loss, not the normal wear and tear of everyday life.
Homeowners insurance typically covers:
- Weather-related damage (like hail, wind, or storms)
- Fire damage
- Theft and vandalism
What it doesn’t cover is routine system or appliance breakdowns. If your furnace stops working in the middle of winter or your dishwasher dies a week after its manufacturer’s warranty expires, homeowners insurance won’t help.
Stay Covered with 2-10
2-10 helps protect your budget from the everyday breakdowns you can’t predict but will almost certainly face. From your HVAC system to your kitchen appliances, things wear out. And when they do, costs can add up fast.
Without coverage, you could face:
- Thousands in out-of-pocket expenses for major repairs
- Stressful delays trying to find a trustworthy technician
- Financial strain from replacing essential systems like water heaters or furnaces
With a 2-10 home warranty, you gain more than just coverage—you gain confidence. You get a financial safety net and access to a trusted network of quality, independent Pros who can resolve issues quickly and professionally.
So what is a 2-10 plan in a nutshell? It’s plan that offers proactive protection for your budget against expensive, covered breakdowns.
