Which type of coverage would NOT typically be provided by a standard home warranty policy?

A standard home warranty policy is designed to cover the repair or replacement of major components and systems within a home due to normal wear and tear. Typically, these warranties include coverage for appliances, heating and cooling systems, and may even provide inspection services as part of their offering. However, structural damage repairs are generally outside the scope of a home warranty.

Structural issues usually fall under homeowners insurance policies, which cover damage due to circumstances like fire, weather events, or other unexpected incidents. A home warranty, on the other hand, focuses primarily on appliances and systems that require maintenance and repair over time rather than structural integrity. Therefore, structural damage repairs would not be included in a standard home warranty policy.