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 West Virginia (WV), property and casualty insurance (P&C insurance) are regulated by the West Virginia Offices of the Insurance Commissioner. P&C insurance encompasses a variety of policies that provide coverage for property damage and liability for bodily injury or property damage to others. These policies include homeowners, automobile, renters, landlord, condominium, and powersports insurance. Property insurance covers damages to the insured's own property, while casualty insurance covers the insured's potential liability for injuries or damages to others. Insurers in WV must comply with state statutes and regulations that govern the terms, coverage limits, and underwriting standards for P&C insurance. These regulations also dictate how claims are processed and what constitutes fair practices. Consumers are protected under WV law, which requires P&C insurance policies to provide a defense against claims and cover settlements and court judgments within the policy limits, including medical expenses and other damages due to negligence.