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 Idaho, property and casualty insurance (P&C insurance) are types of coverage that protect individuals and property against loss and liability. Property insurance covers damage to or loss of the policyholder's property, which can include homes, cars, and personal belongings. Casualty insurance, on the other hand, provides coverage for liability in case someone is injured or their property is damaged due to the policyholder's actions or negligence. These insurances are often combined in policies such as homeowners, auto, renters, landlord, condo, and powersports insurance. Idaho's Department of Insurance regulates the P&C insurance industry, ensuring that policies comply with state statutes and that the companies offering these insurances are licensed and act in accordance with the law. The state's regulations also dictate the minimum required coverages, such as those for auto insurance, and oversee the fair handling of claims. Policyholders in Idaho are encouraged to understand their coverage limits and the terms of their insurance contracts to ensure adequate protection against potential claims for bodily injury, property damage, and other liabilities.