2-10 Home Buyers Warranty Explained

2-10 Home Buyers Warranty Explained

2-10 Home Buyers Warranty Explained

2-10 Home Buyers Warranty Explained

What is a 2-10 Home Buyer Warranty?

Typically referred to as a 2-10 Builders Warranty, this is essentially an insurance-backed new construction warranty that is approved by the Department of Housing and Urban Development (HUD). It warranties that your home will be covered for 10 years from any structural defects, 1 year for any workmanship issues as well as 2 years of system coverage (I will go more in depth later). All of those coverages combine to give new homeowners “piece of mind” when purchasing a new home!

Let’s face it, the last thing you want when moving into a new home is immediately having plumbing problems or a foundation crack. The 2-10 Home Buyers Warranty is protection that those items will be taken care of if they should arise.

1-Year Workmanship Warranty
This warranty starts on the day that you close on your home.  It protects a home from defects in materials and workmanship for 1 year.  Examples of items covered under this warranty:
a) Windows and doors: proper fit and smooth operation, weatherstripping, glass, screens, etc.
b) Foundation & Concrete: basement and foundation walls, garage floors, stoops and steps.
c) Electrical: protects you in regards to proper operation of the home’s electrical outlets and switches.

2-Year Systems Warranty
This warranty also begins on the day that you close on your home.  It protects the home from defects in plumbing, electrical and mechanical issues for 2 years.  Some of the covered items are:
a) Waste Piping: covers repairs to sanitary sewers.  Repairs to waste and drain lines.
b) Plumbing: water flowing in and out of the home, ie. vent and water pipe leaks and bursts; heating and air conditioning refrigerant line leaks.
c) Electrical System (Wiring): wiring and electrical conductors.

10-Year Structural Warranty
Provides 10 years of structural defect coverage to begin on your closing date.  Structural defects are defined as physical damage to a home’s designated load-bearing elements caused by failure that affects their load-bearing function to the extent that the home becomes unsafe, unsanitary or unlivable.  Here are items covered under this warranty:
a) Roof Framing System
b) Floor Framing
c) Load Bearing Walls and Partitions
d) Footings and Foundation Systems

To get a full explanation of the 2-10 Home Buyer’s Warranty, please visit the 2-10 website.  If your new home builder does not offer you a similar warranty program then ask them “why?”.

Join The Discussion

2 thoughts on “2-10 Home Buyers Warranty Explained”

  • John Abernathy

    2-10 was a pain to work with throughout our entire contract. Their customer service is awful, dismissive and uninformed. Each time I filed a claim I was bounced around to anywhere between three and eight different employees, and for each new person I had to recount the entirety of my complaint. It’s like no one talks to anyone else over there. Also, 2-10 found some way to contest every single claim I made, so that I ended up getting bills above and beyond my deductible from the repairmen that came. ALSO, one of the actual contractors 2-10 hired to come service my HVAC said, and I quote, “These guys are awful to work with. If I call and report this repair, they’ll just claim it was preexisting and find some way to make you pay for it. If you just give me the deductible you’d have to pay, anyway, I’ll won’t even bother filing the repair and we’ll both come out ahead.” Basically, don’t even bother filing claims for the first month or two of your contract with 2-10, they’ll just claim it was preexisting.

    HERE’S AN IMPORTANT TIP WHEN CONSIDERING ANY HOME WARRANTY: Call a few of your local HVAC, plumbing, and other repair service companies and ask them with which home warranty companies they are contracted. 2-10 could only find one, single HVAC guy willing to put up with them (a different HVAC repairman told me he used to work with 2-10 but quit because of how difficult they are to deal with) in a city of almost 100,000 people. So when my heating went out in the coldest part of winter, I had to wait a WEEK in zero-degree weather for their one repair guy to come help us.

    Oh, and that $390 premium is a fantasy. Ours was $600/year with a $50 deductible for each claim.

    2-10 is the biggest headache I’ve ever experienced. Skip it. Save yourself. Here are some resources to continue my point:





    • Neil Bansil

      Thanks John for your input! I’m sure a lot of people will find this informative.


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