The sentence that uses all three
“They’re putting their bags over there.” If you can say which word does which job in that sentence, you have the rule.
Theirs, not their’s
The standalone possessive is “theirs”, with no apostrophe: “the choice is theirs”.
Catch it automatically
The grammar checker flags common mix-ups like this one by looking at the words around them, and the sentence checker can explain any sentence you’re unsure about.