What additional coverage does a "home warranty" typically provide alongside property insurance?

A home warranty typically provides repairs or replacements for home systems and appliances due to normal wear and tear, which is the reason why this choice is correct. Unlike traditional property insurance, which primarily covers damage to the structure and property due to specific perils (like fire or theft), a home warranty focuses on the maintenance and functionality of systems and appliances. This includes items such as heating systems, plumbing, and major appliances, ensuring that homeowners have assistance with expensive repairs or replacements that are not covered by standard insurance policies.

As for the other options, legal liability for accidents on the property pertains to liability insurance, which addresses injuries or damages to third parties and is a distinct component of property insurance. Coverage for natural disasters is typically handled by specific endorsements or separate policies (like flood or earthquake insurance) and not generally covered by a home warranty. Protection against identity theft is a separate form of coverage that wouldn't be included in a home warranty, which is focused entirely on home systems and appliances.