2-10 Home Buyers Warranty vs First American Home Warranty
Last updated July 2026
2-10 Home Buyers Warranty
Home warranty with structural coverage roots and systems-plus-appliances plans
Advantages
- Two resale plans: Simply Kept (systems) and Complete Home (systems + appliances)
- Structural warranty option for new-build homes (10-year coverage)
- Coverage limits up to $2,000 per appliance and $10,000 per system
- Multiple service fee options ($75, $100, $125)
- Available in most states
Drawbacks
- Fewer plan tiers than AHS
- Claims turnaround reported inconsistent in some markets
- Waiting period of 30 days
- Limited coverage on secondary items compared to AHS Platinum
First American Home Warranty
Mid-market home warranty with strong per-appliance coverage limits
Advantages
- Higher per-appliance coverage caps than most competitors
- Basic Plan starts at ~$40/mo, undercuts AHS
- First Class Upgrade adds coverage for pre-existing conditions and modifications
- Choose your service fee ($85, $100, or $125)
- Available in most states
Drawbacks
- Fewer plan tiers than AHS
- Systems coverage caps lower than AHS Platinum
- Waiting period of 30 days
- Claims turnaround inconsistent in some markets
2-10 Home Buyers Warranty and First American Home Warranty both play in home warranty plans, but they're aimed at different buyers. 2-10 Home Buyers Warranty is built for homeowners who want lower-cost resale coverage or a builder-linked structural warranty. First American Home Warranty is built for homeowners with newer or high-value appliances who want strong per-appliance caps. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | 2-10 Home Buyers Warranty | First American Home Warranty |
|---|---|---|
| Plan Lineup | Simply Kept, Complete Home; new-build structural add-on | Starter, Essential, Premium |
| Starting Price | $40-$70/mo typical | $40-$75/mo typical |
| Service Call Fee | $75, $100, or $125 (customer choice) | $85, $100, or $125 (customer choice) |
| Coverage Limits | $2,000 per appliance; up to $10,000 per system | Up to $3,500 per appliance; $1,500 per system |
| Waiting Period | 30 days | 30 days |
| Appliances Covered | Refrigerator, dishwasher, oven, washer/dryer (Complete plan) | Refrigerator, dishwasher, oven, washer/dryer, more |
| Systems Covered | HVAC, plumbing, electrical, water heater | HVAC, plumbing, electrical, water heater |
| Claims Rating | Average, inconsistent by market | Average, inconsistent by market |
Too Close to Call
2-10 Home Buyers Warranty and First American Home Warranty land roughly even overall; the right pick depends on which of their strengths matters more to you.
2-10 Home Buyers Warranty's standout strength: Two resale plans: Simply Kept (systems) and Complete Home (systems + appliances). First American Home Warranty's standout strength: Higher per-appliance coverage caps than most competitors. Neither dominates across the board, and both have well-known weak spots. 2-10 Home Buyers Warranty's biggest drawback: Fewer plan tiers than AHS. First American Home Warranty's biggest drawback: Fewer plan tiers than AHS. Pick the one whose strengths line up with what you actually need.
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