Zipu ya koti langu imeharibika, na kola ya blauzi yako imekunjika.

Here ya is the connector that links one noun to another. It often corresponds to of in English.

• zipu ya koti langu = the zipper of my coat
• kola ya blauzi yako = the collar of your blouse

In Swahili, this connector changes according to the noun class of the first noun. Since zipu and kola are treated as class 9 nouns here, the connector is ya.

For comparison:

• mkono wa shati = the sleeve/arm of a shirt
• kitufe cha shati = the button of a shirt

So the basic pattern is thing + connector + owner/whole.

Because Swahili possessives agree with the noun they describe, not just with the person who owns it.

• koti belongs to a noun class that uses la- type agreement in possessives, so my coat is koti langu
• blauzi belongs to a noun class that uses ya- type agreement in possessives, so your blouse is blauzi yako

That means:

• koti langu = my coat
• koti lako = your coat
• blauzi yangu = my blouse
• blauzi yako = your blouse

This is one of the biggest differences from English: the form of my/your/his/her changes depending on the noun class.

The i- is the subject marker, and it agrees with the subject noun.

In this sentence:

• zipu is the subject of imeharibika
• kola is the subject of imekunjika

Both nouns are class 9 singular, so both verbs take i-.

So:

• i-me-haribika
• i-me-kunjika

If the subject were a different noun class, the verb would change too. For example:

• koti langu limeharibika = my coat is damaged
• zipu zimeharibika = the zippers are broken

-me- is the perfect marker. It often means something like has or has become.

So literally:

• imeharibika = it has become damaged/broken
• imekunjika = it has become bent/folded/creased

In natural English, these are often translated as a present state:

• is broken
• is creased
• is bent
• is folded over

So Swahili -me- often expresses a completed change whose result is still true now.

This is an important verb pair:

• haribu = damage / spoil / break something
  This is transitive: someone does it to something.
• haribika = become damaged / get spoiled / break
  This is intransitive: the thing itself ends up broken.

Examples:

• Mtoto ameharibu zipu. = The child has broken the zipper.
• Zipu imeharibika. = The zipper is broken.

So in your sentence, imeharibika is used because the zipper is being described as being in a broken state, not as actively breaking something.

This is a similar pattern:

• kunja = fold / bend something
• kunjika = be folded / become bent / crease

Examples:

• Amekunja kola. = He/she has folded the collar.
• Kola imekunjika. = The collar has become folded/creased.

In the sentence, imekunjika suggests that the collar is not sitting properly: it is bent, folded over, or creased.

Because the Swahili verb is a bit broader than any single English word.

Depending on context, kola imekunjika could mean:

• the collar is folded
• the collar is bent
• the collar is creased
• the collar is turned over awkwardly
• sometimes even the collar is wrinkled, depending on the situation

So the exact English translation depends on what the clothing looks like. Swahili often leaves that slightly more open.

Because zipu ya koti langu is more specific.

• zipu yangu = my zipper
• zipu ya koti langu = the zipper of my coat

If the context is already clear, zipu yangu might be enough. But if you want to make it clear that you mean the zipper on your coat, not on a bag or dress or something else, then zipu ya koti langu is better.

Swahili often uses this part + ya + whole structure for body parts, object parts, and clothing parts.

Here na means and.

It joins the two clauses:

• Zipu ya koti langu imeharibika
• na
• kola ya blauzi yako imekunjika

So the sentence is simply connecting two statements.

In other contexts, na can also mean with, but in this sentence it clearly means and.

Swahili usually does not use articles like the and a/an.

So a noun like zipu can mean:

• a zipper
• the zipper

The exact meaning comes from context.

In this sentence, the context makes it definite:

• zipu ya koti langu naturally means the zipper of my coat
• kola ya blauzi yako naturally means the collar of your blouse

English needs an article here, but Swahili does not.

Sometimes yes, but the meaning is a bit different.

• imeharibika = is damaged / is broken / is not functioning properly
  This is broad and very natural for things like zippers, phones, machines, or appliances.
• imevunjika = is broken in a snapping or physically broken sense
  This is more specific.

So if the zipper is jammed, damaged, or no longer working well, imeharibika is usually the safer choice. If part of it has actually snapped or broken off, imevunjika may fit better.