What is the key feature of a Homeowner’s Policy?

A Homeowner's Policy is primarily designed to provide protection for owner-occupied residences. This type of policy typically covers a range of perils that could damage the home itself as well as personal property within it, including theft, fire, and certain types of natural disasters, while also offering liability coverage in case someone is injured on the property.

The focus on owner-occupied residences is significant because this is where individuals live, and thus they have a vested interest in protecting their investment and personal belongings. The policy is specifically tailored for these situations, ensuring that homeowners have peace of mind regarding their living environment and financial security.

The other options do not accurately reflect the focus and intent of a Homeowner's Policy. For instance, comprehensive business coverage is typically associated with commercial insurance, while governmental properties and corporate usage do not relate to the personal nature of homeowner insurance. Thus, the correct answer is aligned with the core purpose of the policy, which is to safeguard against risks faced by individuals residing in their own homes.