Rosemary was hit by another vehicle on the way home from work- She believes the other driver was under the influence of alcohol- Rosemary is not within her rights to demand that the other driver take an alcohol test.

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.