2-10 HBW vs. Home Warranty of America: Which Is Better?
2-10 HBW vs. HWA in 2026: HVAC caps, BBB ratings, pricing and enforcement records, including the Arizona AG settlement that names HWA's sister brand Choice.
2-10 HBW leads on our score (6.5 vs. 5.9), BBB grade, entry price and enforcement record, and it offers a structural warranty product HWA does not. The HVAC caps are level at $5,000 per unit.
Side-by-Side Comparison
| Factor | 2-10 HBW | HWA |
|---|---|---|
| Monthly cost | ~$35-$70/mo | from ~$48.33/mo |
| Service fee | $75-$125 | $75-$100 |
| HVAC cap | $5,000/unit | $5,000/unit |
| BBB rating | B | C/NR |
| Our score | 6.5/10 | 5.9/10 |
| AG enforcement | None found | None found against HWA itself; sister brand Choice settled with the Arizona AG (2026) |
| Availability | 50 states | 42 states |
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Category-by-Category
The HWA Ownership Problem
HWA is a sister brand of Choice Home Warranty under Rely Home, in which an H.I.G. Capital affiliate invested in 2025. The Arizona Attorney General's 2026 settlement named Choice Home Warranty, not HWA.
We have not found an enforcement action against 2-10 HBW comparable to the Arizona AG case. It has been in business since 1980 and carries a B BBB rating in our data.
Structural Warranty: A Category HWA Cannot Enter
2-10 HBW offers the 1-2-10 year builder warranty: 1 year workmanship, 2 years systems, 10 years structural defects. This is the industry-standard structural warranty used by builders nationwide. HWA has no equivalent product.
For homeowners buying new construction or homes recently built, this coverage gap is significant. 2-10 HBW can cover both the structural and mechanical warranty in a single relationship.
HVAC Cap Math: A Tie on Paper
At a $7,000 HVAC replacement:
The Verdict
2-10 HBW. HWA does not win a category in our data: the HVAC caps are level, and 2-10 HBW has the better score, BBB grade, entry price and enforcement record, plus a structural warranty product HWA cannot offer.
HWA is worth considering only if 2-10 HBW is unavailable in your area or if a specific HWA plan matches a very narrow coverage need at a lower price point than 2-10 HBW offers in your state. Neither condition is common.