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 Hawaii, property and casualty insurance (P&C insurance) are types of coverage that protect individuals and property against loss and liability. Property insurance covers damages to possessions such as homes, cars, and personal property, while casualty insurance provides coverage for liabilities arising from injuries to others or damage to their property, often due to the policyholder's negligence. These insurances are commonly combined in policies like homeowners, auto, renters, landlord, condo, and powersports insurance. Hawaii's insurance regulations are overseen by the Hawaii Department of Commerce and Consumer Affairs, specifically through the Insurance Division, which ensures that insurance policies comply with state statutes and regulations. Policyholders are protected under these regulations, which mandate that insurance companies act in good faith, providing defense and coverage for claims, settlements, and court judgments as stipulated in the insurance agreements. It's important for policyholders to understand the terms and coverage limits of their P&C insurance policies to ensure adequate protection.