Reggie was hosting a BBQ when the deck fell off his house- Several of his friends were hurt in the accident- Luckily for Reggie he has ________ coverage on his home owner's insurance.

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.