In addition to paying the policy limits for the damages you caused, the insurer also agrees under Part A to defend you in any civil cases arising from the accident and to pay all legal costs.

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.