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 Connecticut (CT), property and casualty insurance (P&C insurance) are regulated by the Connecticut Insurance Department. P&C insurance typically combines coverage for property loss and liability in the event of an accident or damage. This includes homeowners insurance, auto insurance, renters insurance, landlord insurance, condo insurance, and powersports insurance. Property insurance covers the physical damage or loss of the insured's property, while casualty insurance provides liability coverage for injuries or damages to third parties for which the insured may be legally responsible. Insurers in Connecticut must comply with state statutes and regulations, which include requirements for policy terms, consumer protections, and the financial solvency of insurance companies. Policyholders are protected under Connecticut law, which also dictates the process for claims handling and provides recourse in the event of disputes with insurance providers. It's important for consumers to understand the terms of their policies and ensure they have adequate coverage for both property and liability risks.