Моя куртка тёплая и удобная, она защищает меня от холода.

Because куртка is a feminine singular noun.

In Russian, words like my change to match the noun’s gender, number, and case.

• мой = masculine singular
• моя = feminine singular
• моё = neuter singular
• мои = plural

Since куртка is feminine, you say:

• моя куртка = my jacket

They are adjectives describing куртка, so they must agree with it.

Since куртка is:

• feminine
• singular
• nominative

the adjectives also take the feminine singular nominative ending:

• тёплый → тёплая
• удобный → удобная

So:

• тёплая куртка = a warm jacket
• удобная куртка = a comfortable jacket

In the present tense, Russian normally does not use the verb to be (есть) in sentences like this.

So Russian says literally:

• Моя куртка тёплая и удобная
• word-for-word: My jacket warm and comfortable

But in natural English, we translate it as:

• My jacket is warm and comfortable

This is very normal in Russian.

Она refers back to моя куртка.

Russian often can omit pronouns when the subject is clear, but here она helps make the second clause sound complete and natural:

• Моя куртка тёплая и удобная, она защищает меня от холода.

Without она, the sentence would sound less balanced:

• Моя куртка тёплая и удобная, защищает меня от холода.

That is understandable, but the version with она is clearer and more natural.

Also, она is used because куртка is a feminine noun.

Because this sentence has two clauses:

1. Моя куртка тёплая и удобная
2. она защищает меня от холода

Each clause has its own grammatical center:

• first clause: куртка
  • implied is
• second clause: она защищает

Russian uses a comma to separate them.

In English, this kind of sentence would often be rewritten with and or split into two sentences, but in Russian this comma is normal.

Because меня is the form of я used when I/me is the object of the verb.

Here:

• она защищает кого? = me
• so Russian uses меня

Compare:

• я = I
• меня = me

So:

• она защищает меня = it protects me

Because the preposition от means from, and it requires the genitive case.

The noun is:

• холод = cold

After от, it becomes:

• от холода = from the cold

So:

• защищает меня от холода = protects me from the cold

This is a very common pattern in Russian:

• от дождя = from the rain
• от ветра = from the wind
• от солнца = from the sun

It is the genitive singular of холод.

Why genitive? Because the preposition от requires the genitive.

So:

• холод = nominative
• холода = genitive

In this sentence:

• от холода = from the cold

Защищает is the 3rd person singular present tense form of the verb защищать.

That means it matches она:

• я защищаю = I protect
• ты защищаешь = you protect
• он / она защищает = he / she / it protects

So:

• она защищает = it protects / she protects

Here it means:

• the jacket protects

Because куртка is grammatically feminine in Russian, so the pronoun must be она.

But grammatical gender in Russian is not the same as natural gender in English.

In English, jacket is a thing, so we say it.

So:

• Russian: она (because куртка is feminine)
• English: it (because a jacket is an object)

This is a very useful vocabulary question.

• тёплая = warm
• горячая = hot

For clothing, тёплая is the normal word:

• тёплая куртка = a warm jacket

Горячая куртка would sound odd, because clothes are usually described as warm, not hot.

Yes. In many Russian texts, ё is often written as е.

So both of these may appear:

• тёплая
• теплая

But the pronunciation is still tyop-laya, not tep-laya.

For learners, it is very helpful to remember the version with ё, because it shows the correct pronunciation and stress more clearly.

Here удобная means something like:

• comfortable
• easy to wear
• convenient

For clothing, удобный / удобная / удобное often means that something fits well and feels comfortable in use.

So удобная куртка is a jacket that feels good to wear, not awkward or restrictive.

No, Russian word order is fairly flexible, but this sentence uses a neutral, natural order.

• Моя куртка тёплая и удобная, она защищает меня от холода.

This sounds straightforward and standard.

You could change the word order for emphasis, but the meaning or tone may shift. For example:

• Она защищает меня от холода puts early focus on it
• От холода она защищает меня sounds more marked or emphatic

For learners, the original order is the best one to copy first.

Yes, you could say:

• Моя куртка тёплая и удобная, и она защищает меня от холода.

This adds an explicit and between the two clauses.

But the original version without и is also natural. Russian often links related clauses with just a comma.

So both are possible, but the original sentence sounds smooth and normal.

They are different parts of speech, but they all have to agree with the noun.

Since куртка is feminine singular:

• possessive: моя
• adjectives: тёплая, удобная
• pronoun replacing it: она

This agreement is a very important feature of Russian grammar. Once you know the noun’s gender and case, many other words around it will match it.