A teenage driver crashes her parents' minivan into an office building, causing $85,000 in damage to the building- The automobile liability insurance limits are 100/250/75- How will the damages be allocated between the driver and the insurance company?

Property insurance protects the structure of your home (dwelling coverage) and your belongings (personal property coverage). 
Personal liability coverage protects you if you're legally responsible for damage to someone's property, or if you accidentally injure someone whether you're at home or away from it.