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What is a home warranty?
A Home Warranty Service Agreement is an annual service contract that covers the cost to repair or replace specified systems and appliances when they break down over time due to normal wear and tear. This helps you protect your home simply and affordably, reduce the cost of home ownership, and grow your confidence about your future
- Reduces the costs for system/appliance repairs
- Helps pay for new replacements if needed
- Lowers the overall cost of home ownership
- Offers peace of mind and a greater sense of assurance
Refrigerator breakdowns are expensive!
Repair costs1
$340
Replacement costs2
$1,370
Washer breakdowns are expensive!
Repair costs1
$340
Replacement costs2
$760
A/C breakdowns are expensive!
Repair costs1
$425
Replacement costs2
$3,315
Furnace breakdowns are expensive!
Repair costs1
$425
Replacement costs2
$3,755
Oven breakdowns are expensive!
Repair costs1
$254
Replacement costs2
$1,725
Dryer breakdowns are expensive!
Repair costs1
$315
Replacement costs2
$725
Water heater breakdowns are expensive!
Repair costs1
$435
Replacement costs2
$1,665
1Statistics derived from 2019 data. Based on estimated average retail repair costs and observed claims experiences of 2-10 HBW customers.
2National averages based on data collected in November 2021. Costs in your area may vary.
**Service Fee per approved claim. See service agreement for all coverage details, limitations, and exclusions.
How do you know you should consider purchasing a home warranty?
Everyone can benefit from a home warranty service agreement. If your home has systems like an air conditioner or appliances like a refrigerator, you should consider purchasing a home warranty. Every single home system and home appliance can break down from normal wear and tear someday. When that happens, your homeowners insurance policy can't help you.
With 2-10 HBW, you know what to expect when the unexpected happens
As an industry-leading home warranty company, 2-10 HBW provides the most comprehensive warranty plans in the US. Homeowners select our home warranty plans to save themselves time and money, and help them expect the unexpected. A warranty plan from 2-10 HBW makes protecting your home simple and affordable. Let us show you how our home warranty plans help you.
Why choose a Home Warranty Service Agreement from 2-10 HBW?
A home warranty is an incredible tool for keeping your budget on track. Here’s why you should choose 2-10 HBW to protect your home!
Choose 2-10
40+ years in the industry
The first company in the 2-10 Home Buyers Warranty family was founded in1980.
97.5% of claims paid
97.5% of claims that are submitted under a 2-10 HBW home service plan received the benefits of coverage under the applicable terms and conditions.
6M+ homes covered
Over 6 million homes have received coverage from a product administered by 2-10 HBW.
What do Home Warranty Service Agreements cover?
2-10 HBW has a plan for your budget and needs. Whether you just want to protect your kitchen appliances or cover as many of the things that make your house hum as possible, 2-10 can help you!
PLEASE NOTE: Certain items and events are not covered in our Home Warranty Service Agreement. See Service Agreement for details. Available options vary by plan and ZIP code.
What’s the difference between a Home Warranty Service Agreement and homeowners insurance?
Home Warranty Service Agreement
A Home Warranty Service Agreement protects critical systems like your air conditioner, furnace and water heater, plus appliances like your refrigerator, oven, microwave, and more against routine breakdowns.
Homeowners Insurance
Homeowners insurance provides coverage for damage or loss to your home and personal belongings from fire, lightning, windstorms, hail, explosions, smoke, vandalism, and theft.
Read our Pocket Guide to Comprehensive Coverage
Learn about the differences in coverage between a Home Warranty Service Agreement and homeowners insurance.
Download GuideGet peace of mind with quality home protection
You want to know what your warranty company does to make protecting your home simple and affordable. As an industry-leading warranty company, we offer you three different warranty plans to choose from.
Pinnacle Home
- Kitchen Appliances
- Heating & Cooling
- Plumbing & Electrical
- Washer & Dryer
- Supreme Upgrade
Simply Kitchen
Close
- Appliances
- Heating & cooling
- Plumbing
- Electrical
- Washer & dryer
- Supreme
Simply Kitchen protects your kitchen appliances, like your dishwasher and refrigerator, at our most affordable price. Plus, there are countless ways to personalize your plan!
Coverage includes but not limited to:
Appliances
- Built-in microwave
- Dishwasher
- Range
- Oven
- Cooktop
- Refrigerator with ice maker/crusher and beverage dispenser
Complete Home
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- Appliances
- Heating & cooling
- Plumbing
- Electrical
- Washer & dryer
- Supreme
Complete Home gives you even more coverage! From kitchen appliances and HVAC systems to your plumbing and electrical, breakdowns have met their match in our Complete Home plan.
Coverage includes but not limited to:
Heating
- One (1) centrally ducted gas or electric system
- Thermostats – all types
- Interior gas supply lines
Cooling
- One (1) centrally ducted gas or electric system
- Thermostats – all types
- Interior gas supply lines
Appliances
- Built-in microwave
- Dishwasher
- Range
- Oven
- Cooktop
- Refrigerator with ice maker/crusher and beverage dispenser
Plumbing
- Water, drain, waste, and vent pipe leaks or breaks
- Gas and electric water heaters; tankless, power, and direct vent units
- Water heater interior gas supply lines
- Toilet tank, bowl, tank assembly parts, flange, and wax ring seal
- Drain line stoppages that can be cleared with a standard sewer cable
- Primary, permanently installed sump pumps used for ground water
- Pressure regulators
- Valves: shower, tub, diverter, risers, angle stops, and gate valve
Electrical
- Electrical wiring
- Switches
- Outlets
- Panels
- Doorbell system
Pinnacle Home
Close
- Appliances
- Heating & cooling
- Plumbing
- Electrical
- Washer & dryer
- Supreme
Pinnacle Home: Get peace of mind with Supreme coverage for your home’s systems and appliances. Like a cherry on top of your sundae, Pinnacle Home adds Supreme to make great coverage even better. Maximize protection on your home’s kitchen appliances, washer and dryer, heating, cooling, plumbing, and electrical.
Coverage includes but not limited to:
Heating
- One (1) centrally ducted gas or electric system
- Thermostats – all types
- Interior gas supply lines
Cooling
- One (1) centrally ducted gas or electric system
- Thermostats – all types
- Interior gas supply lines
Appliances
- Built-in microwave
- Dishwasher
- Range
- Oven
- Cooktop
- Refrigerator with ice maker/crusher and beverage dispenser
Washer & dryer
- All Components except those excluded
Plumbing
- Water, drain, waste, and vent pipe leaks or breaks
- Gas and electric water heaters; tankless, power, and direct vent units
- Water heater interior gas supply lines
- Toilet tank, bowl, tank assembly parts, flange, and wax ring seal
- Drain line stoppages that can be cleared with a standard sewer cable
- Primary, permanently installed sump pumps used for ground water
- Pressure regulators
- Valves: shower, tub, diverter, risers, angle stops, and gate valve
Electrical
- Electrical wiring
- Switches
- Outlets
- Panels
- Doorbell system
Supreme
- Appliances: Handles, hinges, clocks, racks, shelves, baskets, rollers, knobs, dials, latch assemblies, springs, interior lining, turntable platforms, rotisseries, glass/ceramic cooktops, self-cleaning mechanisms when they affect primary function, Haul away/disposal fees
- Heating: Crane cost, Filters, Haul away/disposal fees
- Cooling: Crane cost, Filters, Refrigerant recovery and recharge, Electrical cut-off switches, Haul away/disposal fees
- Plumbing: Faucets, faucet handles, shower heads, arms, and tub spouts, Interior hose bibbs, Exterior hose bibbs, Polybutylene and PEX manifold plumbing system, Concrete encased or concealed water, gas, drain, waste, and vent piping leaks or breaks in the plumbing system, Haul away/disposal fees
- Electrical: Burglar alarm system, Fire alarm system, Attic and bathroom exhaust fans, Haul away/disposal fees, Concrete encased or concealed wiring
Discounts and fees
Receive a $5/mo. discount when you sign up for auto-renewal.
By agreeing to auto renewal, you consent to have this Agreement automatically renew and explicitly authorize us to charge any renewal fees. Upon advanced notice to you, we may adjust pricing, terms and/or coverage for the renewal of this Agreement, which will take effect at the end of the current Term.
See the provisions of the Sample Service Agreement for details.
Service Fee pricing
You are responsible to pay a $85 Service Fee when the Contractor visits your Home for diagnosis. You have the option to raise or lower your monthly payment when you choose a different Service Fee.
Pay a lower rate on your coverage in exchange for a $100 Service Fee.
Pay a higher rate on your coverage in exchange for a $65 Service Fee.
Additional taxes and fees
A 9.5% monthly processing fee is included on product and all optional coverage prices when you choose monthly pay.
Sales tax may apply.
Peace of mind when you are buying or selling
If you’re looking to buy or sell your home, 2-10 HBW can help you with a warranty plan provided by your real estate agent.
Appliances- Heating
- Plumbing
- Electrical
AppliancesSeller Coverage
Complimentary Seller coverage is for the listing period and begins immediately upon enrollment.* Coverage is for a term of 180 days, until close of sale, or until the listing is canceled, whichever occurs first.
- Appliances
- Heating and A/C
- Plumbing
- Electrical
Buyer Coverage
Coverage for major appliances (including refrigerator with ice maker), HVAC, water heater, electrical, plumbing, and more. Buyer coverage is for one year and can be renewed annually by the homeowner.
Ask your real estate pro to get you a home warranty from 2-10 HBW.
*Complimentary where allowed by law. Certain items and events are not covered in our Home Warranty Service Agreement. See Service Agreement for details.
Protect your new construction home
If you're purchasing a newly built home from a builder, that builder should provide coverage for the structure of your house. Make sure your builder chooses 2-10 HBW, the industry leader in structural warranties.
Structural Warranty Coverage for workmanship, distribution systems, and structural defects.
Extended Systems and Appliances Even new appliances break down! Coverage for major appliances (including refrigerator with ice maker), HVAC, water heater, electrical, plumbing, and more.
Learn More
Talk with your builder about adding a 2-10 HBW structural warranty.
The 2-10 HBW New Home Warranty Program is administered as 2-10 HBW by Home Buyers Warranty Corporation III in New Jersey and Home Buyers Warranty Corporation in all other states.
How it works
2-10 HBW has a network of independent service contractors that help facilitate your coverage. Each contractor is required to carry all appropriate licenses and insurance, and is monitored by 2-10 HBW to track customer satisfaction and performance.
A homeowner contacts us when a covered system or appliance breaks down.
A contractor diagnoses the problem and reports back to us.
We determine and fulfill coverage under the Service Agreement.
Check for low-cost plans for your home.
All coverage and options are subject to terms, limits, exclusions, and procedures.
See the Service Agreement for all applicable details.
Still unsure? We’ve got references!
We’re confident that we’re the right home warranty company for you, but you don’t need to take our word for it. Check out how we make Happy Homeowners every day!
Frequently asked questions
A home warranty may cover certain systems like central air conditioning, heating, plumbing, electrical, and water heaters, as well as appliances like refrigerators, stoves, washers, and dryers. For a complete list of what a 2-10 HBW home warranty covers, check out our systems and appliances page.
A Service Fee is a relatively small payment you make to the contractor when you submit a service request. When you choose 2-10 HBW, you’ll typically pay $100 or less to have a contractor service your breakdown. Then, 2-10 HBW covers the remaining covered repair or replacement costs, up to the clearly stated limits in your service contract.
Yes. If the covered system or appliance is in working order when you purchase a 2-10 HBW home warranty (i.e., doesn’t have a pre-existing problem), age doesn’t matter.
A home warranty is an annual contract that can help reduce the costs to repair or replace covered systems and appliances that break down from normal wear and tear.
Homeowners insurance covers loss from incidents like fire, storms, or vandalism. The coverages provided by a home warranty and homeowners insurance typically don’t overlap and often complement one another to provide comprehensive protection.
If you are a homeowner, you can purchase a 2-10 HBW home warranty at any time.
A home warranty (or Home Warranty Service Agreement as we call it) is a powerful budget-protecting service contract for homeowners that can provide coverage for things that homeowners insurance doesn’t.
When a Covered Item breaks down from normal wear and tear, simply log into your Homeowner Portal account, select the system or appliance that needs Service, answer a few questions, and we’ll dispatch an authorized Service Contractor to your home.
2-10 HBW has a network of independent Service Contractors that help facilitate your coverage. Each contractor is required to carry all appropriate licenses and insurance, and is monitored by 2-10 HBW to track customer satisfaction and performance.
You’ll set an appointment with them, and when they arrive, they’ll collect your Service Fee (see your Service Agreement for specific details about your Service Fee).
Once your contractor repairs or replaces the breakdown, the contractor bills 2-10 HBW for covered work (please reference your Service Agreement for coverage details and limits). And you can get back to enjoying home ownership.
