Plans and contract version reviewed: Systems, Pinnacle. Facts checked October 23, 2026. We did not perform first-hand testing of this provider's service unless stated.
Our assessment (editorial opinion)
A clearly documented plan agreement with a systems-only option and a combination option. Per-item caps are stated plainly ($5,000 for heating and cooling, $2,000 per appliance), and you choose your service fee. Code, permit, and modification costs are excluded except where state law requires them, which matters most in older homes.
Who it may suit, and who it may not
May suit
- Homeowners who mainly want heating, cooling, plumbing, and electrical covered (Systems plan)
- Buyers who want to trade a higher service fee for a lower plan price, or the reverse
- Anyone who wants to read a detailed sample contract before buying
May not suit
- Older homes likely to need code or permit work during repairs, which is excluded
- Homes with high-end appliances where a $2,000 per-appliance cap may not cover replacement
- Hydronic, steam, or geothermal systems, which have a lower $1,500 cap
Plans at a glance
As published by 2-10 Home Buyers Warranty in its plan pages and sample contract, checked October 23, 2026. Not a quote; your contract and state version control.
Systems
systems plan · $39.99/month (homepage, Oct 2026; first-year promotion may apply)
- Includes
- Heating system, Air conditioning system, Ductwork, Electrical, Plumbing, Garage door openers
- Limits & caps
- Heating and AC: $5,000 per covered item ($1,500 for glycol, hot-water, steam, and geothermal/water-source systems); refrigerant $10/lb within the cap; concrete access up to $1,000; $50,000 aggregate per term (2025 sample agreement).
- Service fee
- Chosen at purchase; sample agreement shows a $0–$350 range. Non-refundable, even if the breakdown isn't covered.
- Waiting period
- 30 days for new (non-real-estate) plans; not applicable to renewals
- Optional add-ons
- Roof leak repair ($1,000 cap), Well pump ($1,500 cap), Septic ejector pump and pumping ($500 cap), Pool and built-in spa equipment ($3,000 cap)
Pinnacle
combination plan · $59.99/month (homepage, Oct 2026; first-year promotion may apply)
- Includes
- Heating system, Air conditioning system, Ductwork, Electrical, Plumbing, Garage door openers, Washers, Dryers, Dishwashers, Garbage disposals, Instant hot/cold water dispensers, Built-in microwaves, Built-in kitchen exhaust fans, Ranges, ovens, and cooktops, Refrigerators
- Limits & caps
- Heating and AC: $5,000 per covered item; appliances: $2,000 per covered appliance; refrigerant $10/lb within the cap; $50,000 aggregate per term (2025 sample agreement).
- Service fee
- Chosen at purchase; sample agreement shows a $0–$350 range. Non-refundable, even if the breakdown isn't covered.
- Waiting period
- 30 days for new (non-real-estate) plans; not applicable to renewals
- Optional add-ons
- Roof leak repair ($1,000 cap), Well pump ($1,500 cap), Septic ejector pump and pumping ($500 cap), Pool and built-in spa equipment ($3,000 cap)
Key contract terms
| Term | What the contract says | Contract wording |
|---|---|---|
| Code & permit upgrades | Not covered | "does not cover the costs associated with any permits, tests, the correction of existing code violations, or inspections" (Sec. 6.B) |
| Unknown pre-existing issues | Only if not reasonably detectable | Breakdowns existing before the start date "that were either known by you or were reasonably detectable by you are not covered" (Sec. 7.M) |
| Cancellation | Yes, prorated refund | "You may cancel your Plan Agreement at any time for any reason by contacting us via telephone" (Sec. 15.A) |
Trade-offs
- Permits, code corrections, and modifications aren't covered unless state law requires them.
- Breakdowns that were 'reasonably detectable' before the start date are excluded, not just known ones.
- After the first 30 days, cancelling deducts service costs plus an administrative fee of up to one month's price.
Availability
2-10 publishes state-specific sample agreements for every state from AL to WY (with an 'All Other States' version) but notes coverage is 'not available in all areas'.
Sources
- 2-10 homepage: Systems and Pinnacle plans, prices, caps, promotion
- 2-10 sample Home Warranty Plan Agreement (2DNA25, 2025)
- 2-10 plan agreements by state
- 2-10 homeowner plan & benefits page
This page is general education, not legal, financial, or insurance advice. Home warranty terms vary by provider, plan, and state; the contract you sign controls what is covered. Spotted an error? Request a correction.
