Liberty Home Guard vs 2-10 Home Buyers Warranty

Liberty Home Guard (LHG) and 2-10 Home Buyers Warranty are both recognizable names in the home warranty space, but they've carved out very different reputations. 2-10 has been around since 1980 and built its name as a structural warranty administrator in the real estate and new-construction market, a niche it genuinely excels in. LHG, founded in 2017, has taken a different approach: consumer-first, fully customizable, and available in all 50 states. Its latest policy upgrades only widen the gap for everyday homeowners shopping on their own. Here's your cheat sheet to compare the two side by side.

Overview of Liberty Home Guard

Liberty Home Guard is a Brooklyn-based home warranty provider that has expanded to all 50 states plus Washington, D.C. since launching operations in 2017. What started as a disruptive entrant into a stale industry has grown into the #1 Home Warranty Service as rated by U.S. News and World Report for 2021, 2022, 2023, and 2024, a four-year streak that's hard to ignore.

Key Features of Liberty Home Guard

• Covers up to 30 systems and appliances — more than 2-10's most comprehensive plan.
• New 365-day workmanship guarantee — the longest in the industry, 12x the typical 30-day standard.
• Complete service coverage now includes labor, installation, removal, disposal, and haul-away — no hidden costs.
• Available in all 50 states, while 2-10 is only available in 41 states.
• 35+ add-on options, including pest control, gutter cleaning, re-key services, pro-series appliances, and saltwater pools.
• Claims process initiated in as little as 24 hours, with a 24/7 hotline and online portal.

Liberty Home Guard Pricing and Plans

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. You can pay monthly or upfront annually. Annual plan buyers receive two free months of coverage plus free limited roof leak protection — a perk 2-10 doesn't match.

Pros and Cons of Liberty Home Guard

The good news: LHG's advantages are hard to match. The bad news: there really isn't much bad news.

Pros

• 365-day workmanship guarantee — industry's best
• Complete service coverage (install, removal, disposal & haul-away)
• Available in all 50 states + D.C.
• 35+ customizable add-on options
• Claims initiated within 24 hours
• Transparent plan details — no vague "kitchen appliances" language
• 30-day money-back guarantee
• Courtesy payouts for some uncovered claims

Cons

• Roof leak protection is an add-on (not bundled)
• Service call fees not always displayed upfront during quoting

Pros and Cons of 2-10 Home Buyers Warranty

Pros

• Competitive entry pricing (from ~$35/mo)
• A+ BBB rating with strong complaint resolution record
• "Even If" service fee refund if claim is denied
• Contract-length workmanship guarantee (above 30-day standard)
• Covers 28 systems and appliances (Pinnacle plan)
• Strong reputation in real estate & new construction
• Trusted by builders and real estate professionals since 1980

Cons

• Not available in 9 states (AK, HI, MT, NH, ND, OK, SD, VT, WY)
• Washer/dryer only covered in Pinnacle plan
• Coverage caps can be limiting for major system replacements
• Mixed customer reviews on claims communication speed
• No dedicated mobile app
• Add-on catalog (10 options) is narrower than LHG's 35+

Overview of 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty is a Denver-based company founded in 1980, making it one of the more tenured players in the warranty space. Its roots are in structural and builder warranties — if you've bought a newly built home or had a seller include a warranty in your transaction, there's a good chance 2-10 was behind it. That institutional track record translates into an A+ BBB rating and genuine familiarity among real estate professionals.

Where 2-10 gets more interesting for individual homeowners is its home service plan offerings. The plans are reasonably priced, the "Even If" service fee refund is a genuinely useful consumer protection, and its contract-length workmanship guarantee is more substantive than the 30-day standard most competitors offer. It's a solid choice in the right context — especially if you're in the real estate market or received a 2-10 plan bundled with a home purchase.

Key Features of 2-10 Home Buyers Warranty

• Three primary plans: Simply Kitchen (appliances only),Complete Home (systems + appliances),and Pinnacle Home (comprehensive).
• Contract-length workmanship guarantee — a step above the 30-day industry standard.
• "Even If" service fee guarantee: if a claim is denied, 2-10 refunds your service fee. Very few competitors offer this.
• A+ BBB rating with a long history of complaint resolution.
• Service fees range from $65 to $100 per call.
• 10 available add-ons for additional coverage customization.
• Coverage available in 41 states — Alaska, Hawaii, and several others are excluded.

2-10 Home Buyers Warranty Pricing and Plans

2-10's pricing is genuinely competitive at the entry level — the appliance-only Simply Kitchen plan starts around $35/month, which is one of the more affordable options in the market. The Complete Home plan is a reasonable mid-tier option, though it's worth noting that washer and dryer coverage is only included in the top-tier Pinnacle plan. There's no annual payment option displayed during the online quote process, which may be a drawback for homeowners who prefer to pay upfront.

Coverage Comparison: Liberty Home Guard vs. 2-10 Home Buyers Warranty

Appliance Coverage

Both companies cover the appliances that matter most, and the overlap is significant. The main distinction is plan placement: 2-10 bundles washers and dryers — among the most commonly claimed appliances — into its top-tier Pinnacle plan, while LHG includes them at the Total Home Guard level. Both companies cap appliance payouts at $2,000 per item. If your priority is appliance coverage, you'll want to look closely at which plan tier makes financial sense for your household.

Systems Coverage

Both providers cover the core systems you'd expect — AC, heating, plumbing, electrical, and water heater. 2-10's Pinnacle plan offers a $5,000 Luxury Package upgrade for major systems, which is a genuinely useful ceiling when you're dealing with a full HVAC replacement. LHG's systems coverage caps are comparable at the standard tier, but its new complete service coverage policy closes a gap that often catches homeowners off guard: installation and haul-away costs are now included in LHG's claims, not billed separately.

2-10's Pinnacle plan includes some extras like doorbells, smoke detectors, and central vacuums that LHG doesn't cover by default. These won't be priorities for every homeowner, but if you have a central vacuum system or want doorbell coverage bundled in, that's worth factoring into your comparison.

Add-On Options

2-10 covers the add-ons most homeowners are likely to want: roof leak repair, pool and spa, well pump, septic, electronics protection, and a guest unit option. For a straightforward household, that catalog will do the job. Where LHG pulls significantly ahead is in depth and variety — 35+ options that include genuinely unique coverage like pest control, gutter cleaning, pro-series appliance upgrades, re-key services, and saltwater pools. If your home has anything beyond the standard configuration, LHG's add-on catalog gives you the flexibility to build a plan that actually fits.

Workmanship Guarantee: A Genuine Differentiator

Both companies offer workmanship guarantees that beat the 30-day industry standard, and that's worth acknowledging. 2-10's contract-length guarantee is a meaningful differentiator — if a repair fails while your contract is active, they'll send someone back at no additional service fee. For homeowners who renew consistently, that can amount to years of coverage on the same repair.

That said, Liberty Home Guard's new fixed 365-day workmanship guarantee takes a different and arguably more consumer-friendly approach. The clock starts when the repair is completed and runs for a full calendar year, regardless of where you are in your contract term. If your contract is about to renew and a three-month-old repair fails, you're still covered under LHG — no gaps, no timing concerns.

Customer Experience Analysis

A company can have all the right coverage on paper and still leave you on hold when your heat goes out in January. That's why we dig into real customer reviews — not the curated testimonials on each company's website, but the raw, unfiltered feedback on Google, Trustpilot, BBB, and ConsumerAffairs.

Liberty Home Guard Customer Reviews

LHG's reviews are consistently strong for an industry known for mixed feedback. The numbers speak for themselves:

• 4.7 stars from 16,000+ Google Reviews
• 4.7 stars on Trustpilot (5,500+ reviews)
• 4.29 out of 5 stars with the BBB (nearly 2,000 reviews)

What stands out isn't just the rating — it's the pattern. Many reviewers who initially left negative feedback returned to update their review after receiving a satisfactory resolution. That kind of responsiveness is relatively rare in this industry, and it's a good indicator of how seriously LHG takes the customer relationship.

"Liberty Home Guard has been amazing. They have replaced a washer, garbage disposal and garage door opener. The process was easy and fast and approved my claims immediately. The contractors they use are professional and do a great job."
-Jean Myers, Google Review, January 2026

2-10 Home Buyers Warranty Customer Reviews

2-10's review picture is more nuanced. Its A+ BBB rating is legitimate and reflects a real commitment to resolving formal complaints — that's not nothing. On Trustpilot, the split is wide: a significant portion of customers report smooth, hassle-free experiences, while another segment has encountered frustrating delays, particularly around HVAC claims. The most consistent theme in critical reviews involves response times and communication during the claims process, rather than outright claim denials.

It's also worth noting that many of 2-10's happiest customers came to them through a builder or real estate transaction — a context where the relationship and expectations are different than a homeowner shopping independently. If you're in that category, your experience may look quite different from what you'd find in the general consumer reviews.

Claims Processing and Response Times

Liberty Home Guard commits to initiating claims within 24 hours during business hours and 48 hours after-hours — and customer feedback largely supports that they're delivering on that promise. 2-10 also operates a 24/7 claims hotline and online portal, and many customers report straightforward experiences with routine claims. Where the reviews diverge most sharply is on complex or urgent repairs, particularly HVAC issues, where some 2-10 customers report extended waits.

One thing that sets LHG apart on the back end is its complete service coverage policy. Once a claim is approved, everything is handled — including haul-away and installation — without additional fees. With 2-10, it's worth reviewing your service agreement carefully to understand exactly what's included in a repair versus a replacement scenario.

Coverage Area: All 50 States vs. 41 States

This one is simple: Liberty Home Guard covers all 50 states plus Washington, D.C. 2-10 is not available in Alaska, Hawaii, Montana, New Hampshire, North Dakota, Oklahoma, South Dakota, Vermont, or Wyoming. If you're in any of those states, the decision is already made for you.

Final Verdict: Which Home Warranty Provider Is Better?

Liberty Home Guard is our pick as the better home warranty provider for most homeowners shopping independently in 2026. But it's a more nuanced call than it might appear.

2-10 Home Buyers Warranty is a legitimate company with a real track record. Its A+ BBB rating, "Even If" service fee guarantee, competitive entry pricing, and deep roots in the real estate and builder market give it genuine credibility — especially for homebuyers who receive a 2-10 plan bundled into a transaction. In that context, it's a solid baseline of protection worth holding onto.

Where LHG pulls ahead for the independent homeowner is in the combination of things that matter most day-to-day: more transparent coverage, a stronger workmanship guarantee, complete service coverage that eliminates hidden costs, a wider add-on catalog for customization, and a customer satisfaction track record that's hard to match in this industry. When you're shopping on your own terms, those differences are hard to overlook.

Best Scenarios for Choosing Liberty Home Guard

• Budget-conscious homeowners who want comprehensive coverage without sacrificing customization.
• Homeowners in any state — LHG's 50-state availability means no one gets left out.
• Anyone who wants genuine peace of mind — a 365-day workmanship guarantee and complete service coverage means fewer unpleasant surprises after the claim is approved.
• Homeowners with luxury appliances, pools, or specialized systems who need a wider add-on catalog.
• Anyone frustrated with other home warranty companies and looking for a provider with a track record of actually following through.

When 2-10 Might Be the Right Call

• If your home purchase came with a 2-10 plan from a builder or seller, it's likely worth maintaining — especially during the first year when structural and system issues from construction are most likely to surface.
• If you're a real estate professional or builder looking for a warranty to include in a transaction, 2-10's infrastructure and institutional relationships make it a natural fit.
• If you want the "Even If" service fee refund as a safety net — it's a genuinely useful consumer protection that very few competitors offer.
• If you're a low-maintenance homeowner in one of the 41 covered states who wants straightforward coverage without a lot of add-on decisions to make.

Making Your Final Decision

Liberty Home Guard comes out ahead as the best option, but home warranties are incredibly personal, so go with your gut. We recommend requesting a quote from both companies and at least one more, so you can thoroughly compare potential costs and plan terms. When in doubt, the best thing you can do is ask for referrals from trusted friends, neighbors, and other loved ones. While it's great to review a sample contract and spend some time with customer service to ask questions, don't lose sight of the fact that ultimately what matters is the convenience and value that the home warranty company provides — and the best way to discern that is to see what customers have to say about their experiences.