Structural Warranties For Home Builders

You Build It, We’ll Back You Up

A structural warranty for home builders from 2-10 Home Buyers Warranty (2-10 HBW) provides 1 year surety coverage for workmanship, 2 years surety coverage for distribution systems and a full 10 years of third-party insurance-backed coverage for qualifying structural defects on newly constructed homes.

Together We Build the Confidence That Sells Homes

Our structural warranties protect profits on every home you build and relieve you of financial liability. They also enhance your reputation and value proposition with home buyers, because structural warranties give home buyers added confidence when purchasing a home. With the right warranty protection, you even gain the comfort and security you need to stay focused on what you do best – building quality homes.

Profits are at their highest the day you close a home. From there, each warranty call you receive chips away at the bottom line. Whether it’s a major structural defect or a meticulous homeowner, every call costs you money. 2-10 HBW helps you keep more money in your pocket.

We know it doesn’t take a catastrophe for you to lose money on a home. That’s why our customer service team is here to take homeowner calls for you. We help you save time, lower costs, and avoid headaches.

By providing the industry’s most comprehensive warranty language and by taking on the financial liability of structural defects, we protect you and clearly set homeowner expectations.

As a builder, your reputation is one of your strongest assets. A home builders structural warranty from 2-10 HBW makes it even stronger. When a home buyer knows a 10 year promise of reliability backs every home you build, they know they’re benefiting by buying from a builder they can truly trust.

Our home builders structural warranties provide third-party validation of the quality of your work, strengthen your legal position, advance your reputation when compared to the competition and sets buyers’ anxieties at ease. You build a quality home, let us help you create the comfort and security that prospective home buyers want.

With every home you build, risk exposure 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.

For less than .5% of the total purchase price of the home and its land, you can shift your liability to 2-10 HBW, starting the day the home closes. This highly affordable protection provides confidence and security, because you know we’ve got your back, now and in the future.

Whether you’re still growing your business, or building an exit strategy, transferring your financial liability provides control over what’s behind you so you can keep moving forward.

More builders choose 2-10 HBW for warranty services than anyone else. Our reputation for trust and reliability is second to none, and we never stop supporting your business’ success.

As the largest and most experienced 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. Every structural warranty we provide includes homeowner support solutions, access to engineering and risk management expertise, assistance from local representatives with insider expertise, and more.

A full suite of products to support your needs…

Workmanship Warranty
Coverage begins from the day of closing. This provision provides clearly defined construction standards for defects in materials and workmanship for the first year.

Distributions Systems Warranty
Coverage is effective from the day of closing. Systems coverage includes clearly defined construction standards for defects in the distribution of electrical, plumbing and mechanical systems for a full two years.

Structural Warranty
Coverage starting the day the home closes for qualified structural defects. Damages to the load-bearing elements, affected surfaces and finishes of the home resulting from subcontractor error, material failure or soil movement, including settlement and heave, are covered.

Additional Warranty Products

10 Year Structural Home Warranty

Insurance-backed coverage for qualifying structural defects to load-bearing components.


Remodeler’s Home Improvement Warranty

A 10 year warranty providing insurance-backed coverage for defects in home improvements.


Builder Backed Service Program (BBSP)
(Not available in New Jersey.)

BBSP warranties provide the same performance standards as our full 2-10 HBW structural warranty product. They clearly define what is and isn’t covered, but without third-party insurance backing.

Strategic Insurance Alliances
(Not available in select states.)

2-10 HBW has strategic alliances with a number of commercial general liability carriers that offer discounted premiums for builders that are members of our program, and use insurance-backed structural warranties on every home built.


Front Line Warranty Service
(Optional enhancement. Not available in New Jersey.)

2-10 HBW is the first point of contact for all homeowner warranty questions alleviating expensive homeowner callbacks. Our team serves as back office support to manage requests, apply standards and communicate to warranty/construction teams as well as homeowners.


New Construction Home Warranty Service Agreement
(Optional enhancement. Not available in all areas.)

Coverage for the home’s systems and appliances, including central heating and A/C systems, water heaters, plumbing, electrical, attic and exhaust fans, kitchen appliances and more. Coverage is effective at closing or one year after the home closed, whichever you choose, and one or two years of coverage is available.

4 out of 5 Home Buyers value a third-party, insurance-backed structural warranty.

As a builder, your reputation is one of your strongest assets. A third-party structural warranty on new homes from 2-10 HBW makes it even stronger.

Home builder structural warranties offer third-party validation of the quality of your work, helping you differentiate your residential construction business. When a home buyer knows a comprehensive promise of reliability backs the home you build, they know they’re buying from a builder they can trust. 2-10 HBW also helps you market the extra value your business delivers to homeowners, meaning you can leverage our expertise and resources to stand out amongst the competition.

That’s why we offer:

  • Complimentary marketing materials
  • Digital assets
  • Articles, whitepapers, blog posts, and social media blurbs

How to Protect Your Business and the Homes You Build

  1. Before purchasing structural coverage for every home you build, you’ll have to become a 2-10 HBW Builder Member.
  2. To complete an application, you’ll need a few pieces of information, including but not limited to:
    • Number of homes built the past 3 years
    • Average sales price
    • Estimated number of homes you plan to sell/close on and enroll in the 2-10 HBW program
  3. Once your application is approved, you’ll receive your online login credentials to easily manage your warranty coverage and enroll your homes.
  4. Congratulations, every home you build and enroll will now be covered by the most comprehensive 10 year structural warranty in the industry!

*Engineering, soil and state inspections may be required prior to enrolling a home. Don’t worry; we will work with you to make enrolling as easy as possible.

Contact us today at 877-777-1344,
or use the form below if you
have any questions.

Thank you for your inquiry! A risk management specialist will be reaching out to you shortly.

Did you know? 94% of home buyers said they are more likely to purchase from a home builder that offers a structural warranty.
(Source: Survey co-sponsored by the National Association of Home Builders and 2-10 HBW.)

Frequently Asked Questions

What kind of coverage does a structural warranty from 2-10 HBW include?
A third-party structural warranty for home builders offers comprehensive protection that covers the home in three ways:

  • 1 year of coverage for workmanship defects.
  • 2 years of coverage for distribution systems defects (like issues with the HVAC system ventilation, roof, or plumbing lines).
  • 10 years of protection for structural defects (specific types of structural defects that result in physical damage to load-bearing elements of a home, which in turn result in failure of the home’s load-bearing function to the extent that a home becomes unsafe, unsanitary or otherwise unlivable.)

Are home builders structural warranties transferable?
Yes. We offer fully transferable warranties. If the original home buyer sells their home before the 1, 2 or 10 year coverage is complete, this protection can be transferred to the new owner.
Who is the reinsurance provider?
2-10 HBW’s insurance-backed warranty products are reinsured by Swiss Re and SCOR Re, two of the world’s largest reinsurers. With combined surplus holdings in excess of $4 billion, you can trust the financial backing of our warranties. We have paid out more than $250 million in structural defect claims, helping our builders protect their business and their customers.

Are you ready to partner with the industry leader that builds
quality from the ground up, just like you?