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. Property insurance covers damage to or loss of the policyholder's property, including homes, cars, and personal belongings. Casualty insurance, on the other hand, provides liability coverage to protect the policyholder against legal responsibility 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 policies. These policies typically cover legal defense costs and may pay for settlements or court judgments up to the coverage limits, including medical expenses and other damages due to the policyholder's negligence. California law requires certain minimum levels of insurance, such as auto liability insurance, and insurers must comply with state regulations regarding policy terms, premiums, and claims handling.