First American vs 2-10 Home Buyers Warranty
Two real-estate favorites compared for buyers and sellers
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The verdict
8.9/10 vs 8.1/10
First American Home Warranty is the stronger pick for most people - Higher appliance limits. Full reasoning, pricing and the cases where 2-10 Home Buyers Warranty wins are below.
| At a glance | First American Home Warranty | 2-10 Home Buyers Warranty |
|---|---|---|
| Starting price | ~$40-$140/mo by plan & state | From ~$27-$35/mo |
| Service fee | $75, $100 or $125 | $65-$125 |
| Plans | Starter, Essential, Premium | Systems & combo tiers (check site) |
| Coverage caps | $3,500-$7,000 appliances; high HVAC limits | $2,000 per core system; $25,000 per year |
Prices are the providers’ published rates at our last verification - confirm the final figure at checkout, as offers change. How we verify prices
A real-estate favorite backed by First American Financial, with high appliance limits and generous HVAC terms
- Up to $7,000 appliance limit
- Choose a $75-$125 service fee
- Popular with buyers & sellers
A structural-warranty specialist owned by Frontdoor, with low-cost home warranty plans for buyers and homeowners
- Low starting price
- $25,000 annual coverage limit
- Builder & real-estate expertise
The full breakdown
First American Home Warranty vs 2-10 Home Buyers Warranty: a closer look at each
Both are credible providers in this category, and the right pick comes down to fit. So instead of crowning a “winner,” here’s the real rundown on each - what you get, what it actually costs, and what real customers are saying - so you can pick the one that fits you.
What is First American Home Warranty?
First American Home Warranty is part of First American Financial, the title and settlement company, and is one of the most common warranties offered at real estate closings. It also sells directly to homeowners.
Read the full First American Home Warranty breakdown▾
2026 sources describe three tiers - Starter, Essential and Premium - with Premium raising appliance limits and its contracts noting generous HVAC terms. This review covers what First American offers, what it costs and who it suits.
What you get with First American Home Warranty
- Tiered plans (Starter, Essential, Premium per 2026 sources)
- Appliance limits of $3,500 (lower tiers) to $7,000 (Premium), reported
- Contracts note no dollar limit on AC refrigerant
- Choose a $75, $100 or $125 service fee
- Real estate plans for buyers and sellers
- 4.0 on Trustpilot across roughly 19,000 reviews
Who First American Home Warranty is best for
- Home buyers and sellers whose agent offers it
- Homeowners in served states who want high limits
- Anyone prioritizing HVAC coverage
How much does First American Home Warranty cost?
Approximate only. Reported prices range from about $37 to $142 a month depending on plan and state, with typical averages in the $50-$90 range. You choose a $75, $100 or $125 service fee - a higher fee lowers the premium. Real estate plans are priced separately. Get a quote for your address to confirm.
What we like about First American Home Warranty
- High appliance limits on the top plan
- Generous HVAC terms
- Strong Trustpilot record
- Flexible service fee choice
Worth keeping in mind
- Available in only about 35-37 states plus D.C.
- Plan names and details vary by state and over time
- Low BBB customer review average
- Repair delays while waiting for parts are a common complaint
What is 2-10 Home Buyers Warranty?
2-10 Home Buyers Warranty has operated since around 1980 and is best known for new-home structural warranties that builders provide to buyers. In December 2024, Frontdoor, Inc. - the parent of American Home Shield - completed its $585 million acquisition of 2-10.
Read the full 2-10 Home Buyers Warranty breakdown▾
The company also sells home warranties covering systems and appliances through agents and directly. This review covers those plans, what they cost and who they suit.
What you get with 2-10 Home Buyers Warranty
- Home warranty plans for systems and appliances
- Reported $2,000 cap per core system (heating, AC, plumbing, electrical)
- Reported $25,000 annual aggregate limit
- Service fee options of about $65-$125
- Network of 6,000+ independent contractors
- Owned by Frontdoor, Inc. since 2024
Who 2-10 Home Buyers Warranty is best for
- Buyers of new construction whose builder uses 2-10
- Home buyers offered a 2-10 plan at closing
- Budget shoppers who accept lower caps
How much does 2-10 Home Buyers Warranty cost?
Approximate only. Reported starting prices are around $27-$35 a month, with service fee options from about $65 to $125. Plan names and prices vary by source and state, so check 2-10's site for your address. Cancellation within 30 days is refunded minus claim costs; after that, refunds are prorated minus an admin fee and claim costs (terms vary by state).
What we like about 2-10 Home Buyers Warranty
- Low starting price
- Decades of experience in builder and real estate warranties
- Backed by Frontdoor, Inc.
- Waiting period waived for renewals and real estate coverage
Worth keeping in mind
- Modest $2,000 caps on core systems
- Small, mostly negative Trustpilot sample
- Reported unavailable in six states
- Plan names and details are hard to pin down
First American Home Warranty vs. 2-10 Home Buyers Warranty: What’s the Difference?
The key differences to consider when comparing the two providers.
| First American Home Warranty | 2-10 Home Buyers Warranty | |
|---|---|---|
| Starting price | ~$40-$140/mo by plan & state | From ~$27-$35/mo |
| Service call fee | $75, $100 or $125 | $65-$125 |
| Plans | Starter, Essential, Premium | Systems & combo tiers (check site) |
| Coverage caps | $3,500-$7,000 appliances; high HVAC limits | $2,000 per core system; $25,000 per year |
| Waiting period | 30 days | 30 days |
| Not available in | AK, CT, DE, HI, LA and others | AK, HI, NH, OK, WI, WY (reported) |
| In business since | 1984 | ~1980 |
So which one should you pick?
Find the line that sounds like you - that’s your answer.
Here’s the short version
First American and 2-10 are both heavily used in real estate transactions - First American through its title and settlement parent, 2-10 through its builder and agent network. Here's how their home warranty plans compare.
The quick answer
Go with First American Home Warranty if you want
- Higher appliance limits
- 4.0 on Trustpilot
- Generous HVAC terms
2-10 Home Buyers Warranty makes more sense if you want
- Lower starting price
- Builder structural-warranty expertise
- Frontdoor-owned
Had to pick one for most people? First American Home Warranty. The numbers and customer feedback below are why - and where 2-10 Home Buyers Warranty wins instead.
First American vs 2-10: FAQs
Which is better, First American vs 2-10?
First American wins on coverage limits and customer reviews, with a 4.0 Trustpilot score across roughly 19,000 reviews. 2-10 is the cheaper starting point and covers some states First American doesn't, so check which is offered at your closing.
Which has better coverage, First American Home Warranty or 2-10 Home Buyers Warranty?
First American reportedly offers $3,500-$7,000 appliance limits; 2-10 reportedly caps core systems at $2,000 each.
Which has better customer reviews, First American Home Warranty or 2-10 Home Buyers Warranty?
First American has a large, positive Trustpilot record; 2-10's sample is small and mostly negative.
Is First American Home Warranty cheaper than 2-10 Home Buyers Warranty?
2-10's plans reportedly start lower than First American's.
Which is available in more states, First American Home Warranty or 2-10 Home Buyers Warranty?
Neither is available everywhere: First American serves ~35-37 states, 2-10 roughly 44. Check your state for both.
Related Comparisons
Sources & methodology
We built this comparison of First American Home Warranty and 2-10 Home Buyers Warranty from each provider's own published pricing, plans and sample contracts, cross-checked against regulator and public-record sources, and read alongside real customer feedback. Prices and plan details were verified against the provider's published information; we do not take providers' word for their own claims without checking.
Provider information
Pricing, plans, caps and contract terms, checked against each provider's own site.
- First American Home Warranty - full pricing & plan breakdown
- 2-10 Home Buyers Warranty - full pricing & plan breakdown
Provider data checked October 2026
Customer & community feedback
Third-party signals shown on this page and in our full reviews: Trustpilot ratings and Better Business Bureau records, as captured on the dates we note. We report what these sources say - we never fold their ratings into our own scores.
Regulatory & public-record references
- 1.Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty - Arizona Attorney General - February 2026
- 2.Frontdoor, Inc. Completes Acquisition of 2-10 Home Buyers Warranty - Frontdoor, Inc. via Business Wire - December 2024
- 3.Frontdoor, Inc. Quarterly Report (Form 10-Q), Q2 2026 - U.S. Securities and Exchange Commission (EDGAR)
- 4.American Home Shield plans - American Home Shield
- 5.Choice Home Warranty user agreement - Choice Home Warranty
- 6.Select Home Warranty terms and conditions - Select Home Warranty
- 7.The Home Service Club pricing and plans - The Home Service Club
Last reviewed October 2026. We revisit comparisons when providers change their pricing or policies. This page is information only and is not legal, insurance or financial advice - always read the full contract before buying a plan.