On your home owners policy ________ protects any personal property that's owned or used by the policyholder, regardless of the location of this property- In other words, if you're on a vacation in Hawaii and someone hits you with a pineapple and steals your suitcase, your personal property is still covered.

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.