Rosanne was in a car crash a few years ago that left her with hearing loss- She has decided to sue the owner of the other automobile for the medical costs of recovering her hearing- How many years, from the date of the crash, does she have to file a claim for the expenses?

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.