Property insurance and casualty insurance (also known as P&C insurance) are two broad categories of insurance coverage that are included in various insurance policies. In other words, there is no one P&C insurance policy—rather, there are a number of insurance policies that contain both property insurance and casualty insurance.

Property insurance insures against damage to your property—such as your home or your car. Casualty insurance insures against liability if someone claims you are responsible for causing bodily injury to them or their property—often based on your alleged negligence.

Property and casualty insurance are generally bundled together in one insurance policy such as:

• a homeowners insurance policy

• an automobile insurance policy

• a renters insurance policy

• landlord insurance

• condominium (condo) insurance

• powersports insurance (motorcycles, ATVs, RVs, off-road vehicles, boats)

Property and casualty insurance will defend you against such claims and pay settlements and court judgments against you that are covered by your insurance policy—including medical expenses, pain and suffering, and lost income for a person injured by your negligence.

In California, property and casualty insurance (P&C insurance) are regulated by the California Department of Insurance. These types of insurance are typically combined in various policies to provide comprehensive coverage for individuals and businesses. Property insurance covers damage to or loss of the policyholder's property, while casualty insurance provides liability coverage for injuries or damages to third parties for which the policyholder may be responsible. Common policies that include both property and casualty insurance are homeowners, auto, renters, landlord, condo, and powersports insurance policies. These policies protect against a range of risks and provide defense and coverage for claims, settlements, and court judgments related to covered incidents, including medical expenses and other damages. California law requires certain minimum levels of insurance coverage, such as for automobiles, and insurers must comply with state regulations regarding policy terms, premiums, and claims handling.