Amy Lambert's home is insured for $85,000 and her detached garage is destroyed by a windstorm- She hopes to collect $11,850 under her homeowner's policy- What will happen?

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.