Which feature is characteristic of the tenant policy?

The tenant policy is specifically designed to protect renters rather than homeowners. Its main feature is that it provides coverage for personal property, including items like clothing, furniture, and electronics belonging to the tenant. Additionally, this policy often includes coverage for additional living expenses if a rental unit becomes uninhabitable due to a covered disaster. This ensures that tenants have financial support for temporary housing and living costs while repairs are made to their rental property.

This focus on personal property and living expenses distinctly sets the tenant policy apart from home ownership policies, which are primarily concerned with structural damage to the building itself, as seen in options that refer to coverage for property owned by landlords, and issues related to occupancy limits. The emphasis on the needs of renters highlights why this answer is the most appropriate in understanding the features of a tenant policy.