Locke opens by clearing away the claim that kings inherit authority from Adam. To understand political power rightly, he says, we must look to its origin, and that means imagining men as they are by nature, before any government exists. In this state of nature all are free to order their own actions and equal in power and jurisdiction, yet not lawless: a law of nature, discoverable by reason, teaches that no one ought to harm another in his life, health, liberty, or possessions.
From this Locke derives property. God gave the world to mankind in common, but every person owns his own person and the labor of his hands. When a man mixes his labor with what nature has left in common, he annexes something of his own to it and makes it his property, provided enough and as good is left for others. Labor, not royal grant or universal consent, is the title to ownership, and the invention of money later allows men to accumulate beyond immediate use.
Why would free men leave so much liberty behind? Because in the state of nature the enjoyment of one's rights is uncertain and exposed to the invasion of others, and each person is judge in his own case. There is no settled known law, no impartial judge, and no reliable power to back right judgments. To remedy these wants, men consent to unite into a commonwealth, surrendering their private power to punish so that the community can make and enforce common law.
Because men are naturally free, no one is bound to a government without his own consent. Once a number of men consent to form one body politic, the majority moves it, since a single body must move one way. Government so formed is limited: the legislative is supreme but cannot rule by arbitrary decree, cannot take property without consent, and exists only to preserve the public good. All such power is a trust placed in rulers by the people.
The treatise closes on the dissolution of government. Locke distinguishes the dissolution of society from the dissolution of government, and shows how rulers who alter the legislative, act outside law, or invade the people's property break their trust and put themselves into a state of war with those they govern. When this happens, power devolves back to the people, who may erect a new legislative. The right of resistance is not a charter for frequent rebellion but a final remedy against settled tyranny, the people's appeal to heaven when no judge on earth remains.