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 Alabama, property and casualty insurance (P&C insurance) are regulated by the Alabama Department of Insurance. These types of insurance cover a range of policies that protect individuals and property against various risks. Property insurance provides coverage for damages to property such as homes, cars, and personal belongings, while casualty insurance offers protection against legal liability for injuries or damages to other people or property. Common policies that bundle property and casualty insurance include homeowners, auto, renters, landlord, condo, and powersports insurance. These policies typically cover the costs of legal defense and financial settlements or judgments related to claims of negligence, including medical expenses, pain and suffering, and lost income. Alabama law requires certain minimum levels of insurance coverage, such as automobile liability insurance, and insurers must comply with state regulations regarding policy terms, premiums, and claims handling. It's important for policyholders to understand the specific coverages, exclusions, and limits of their P&C insurance policies to ensure adequate protection.