Learn Finnish: Mikäli vakuutus on kattava, se suojaa myös irtaimiston. - In the event that the insurance is comprehensive, it protects the movable property as well.

Both mean "if", but mikäli is significantly more formal. You will see it frequently in official contexts like contracts, insurance policies, and legal texts. It often translates nicely to "in the event that" or "provided that".

The word kattava looks like a verb form. Is it?

Yes, it is the present active participle (the -va or -vä form) of the verb kattaa (to cover). Literally meaning "covering", it is commonly used as an adjective to mean "comprehensive" or "extensive".

Why is irtaimiston in the genitive-accusative case? Doesn't the verb suojata (to protect) usually take a partitive object?

The verb suojata often takes the partitive, especially when protecting someone or something from an ongoing threat (like suojaa minua sateelta, "protects me from the rain"). However, here we are talking about a policy covering the entirety of the property. Because the action covers the whole object and the sentence is affirmative, Finnish uses the total object form with the genitive-accusative -n ending.

What exactly does irtaimisto refer to?

It means "movable property", "chattels", or "home contents" (like furniture, electronics, and clothes). It is the opposite of kiinteistö (real estate or immovable property) and comes from the root word irti (loose or detached).