Home Builders Foundation Warranty

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Protect your business and your buyers by becoming a member now.

1 in 5 new homes in the US comes with a 2-10 Home Buyers Warranty (2-10 HBW) structural warranty. See how you can reduce your risk with this insurance-backed structural warranty, too.

Top 5 benefits of becoming a 2-10 HBW Builder Member

  1. Protect homeowners and your business by transferring your risk to an insurance-backed structural warranty effective from day of closing
  2. Cover qualified structural-defect repair costs for 10 years through a 2-10 HBW insurance-backed structural warranty
  3. Save time and money, and minimize frivolous lawsuits through 2-10 HBW-administered dispute resolution and arbitration, upheld by the Supreme Court
  4. Offer fully transferable warranties to your buyers, with no mandatory builder deductibles
  5. Join the leading provider of structural home warranty coverage, giving you, potential buyers and homeowners peace of mind

What is a 2-10 HBW structural warranty?

2-10 HBW is the leading provider of structural home warranties in the US. Our structural warranty covers workmanship defects for 1 year, distribution systems defects for 2 years and structural defects for 10 years.

3D House Model


Clearly defined construction standards for defects in materials and workmanship


Distribution systems

Clearly defined construction standards for defects in the distribution of electrical, plumbing and mechanical systems



Insurance-backed coverage
Load-bearing elements
Soil movement, including settlement and heave

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Why a structural warranty from 2-10 HBW?

Protect your profit on every home you build

Each warranty call you receive erodes your bottom line. Whether it’s a major structural defect or simply a meticulous homeowner, every call costs you money.

Promote your quality and create homeowner confidence

Our warranties provide third-party validation of the quality of your work, strengthen your legal position, advance your reputation among your competition and put buyers’ anxieties at ease.

Plan for your future by controlling what’s behind you

With every home you build, your exposure to risk increases. By law, you are responsible for the financial impact of any structural defect that occurs in the homes you build for the entire Statute of Repose for your state.

Ribbon House

2-10 HBW structural warranties explained

Gain the confidence of your buyers with our structural warranties, which protect homes right from the day of closing. A 2-10 HBW structural warranty is the most common new-home warranty product provided by quality home builders, with 1 in 5 new homes sold in America covered by a 2-10 HBW structural warranty.

What load-bearing components are covered with a 2-10 HBW Structural Warranty?

Floor Framing

Floor Framing Icon

Coverage is provided for structural supports for load-bearing elements in floor systems, including joists and bridging. Damage to non-load-bearing elements, such as flooring and underlayment material, is not covered.


Columns Icon

A structural element that transmits, through compression, the weight of the structure above to other structural elements. However, damage caused by additions or alterations to the home is not covered.

Beams / Girders / Lintels

Beam Icon

Horizontal structural members of wood, steel, reinforced concrete or stone that support and transfer loads to vertical members such as columns and foundations. Decorative elements without a load-bearing function are not covered.

Footings & Foundation Systems

Foundation Icon

Often classified as shallow or deep foundations, based on the depth of the load-transfer member below the super-structure and the type of transfer load mechanism. Foundation system requirements depend on strength and compressibility of the site soils, proposed loading conditions and project performance criteria.

Load-Bearing Walls & Partitions

Walls Icon

All exterior walls are load-bearing walls and are covered. Interior load-bearing walls that support the floors above and the attic’s weight are also covered. Note that improper loading over the design criteria for which that portion of the house was intended will not be covered.

Roof Framing Systems

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A group of studs fitted or joined together to provide support for the roof covering. Non-load-bearing elements, such as shingles, roof tiles, sheathing and underlayment are not eligible for coverage.

A full suite of warranties and services

Help protect your profits, promote your quality and plan for the future.
House frame

More builders choose 2-10 HBW for warranty services

As the largest and most experienced structural warranty provider, we’ve seen more and covered more than anyone else. Our size and expertise means more resources to better serve you and your homeowners.

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Become a 2-10 HBW Builder Member

Getting structural warranty coverage from 2-10 HBW means becoming a Builder Member.
Construction worker

Becoming a Builder Member is easy.

You’ll start by providing some information, including:

  • The number of homes you’ve built in the last 3 years
  • The average sales price of your homes
  • An estimate of how many homes you plan to sell and enroll with 2-10 HBW

2-10 HBW will send you login credentials once we approve your application. This gives you access to Builder Portal, where you can manage warranty coverage and enroll your homes easily.

Engineering, soil and/or state inspections may be necessary before enrollment. But 2-10 HBW will work with you to make enrolling as easy as possible.

40+ years in the industry icon
$300+ in claims icon
6+ million homes covered icon

2-10 Home Buyers Warranty is a member of the National Association of Home Builders