________ auto insurance pays for your losses and the losses suffered by your passengers, while the other driver's insurance would pay for his or her losses- This arrangement is made to keep insurance costs down, especially for settling claims.

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.