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 Kansas, 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 that may arise from injuries or damages to others for which the insured is responsible. These insurances are often combined in policies like homeowners, auto, renters, landlord, condo, and powersports insurance. Kansas state statutes and regulations govern the provision of these insurance policies, ensuring they comply with state-specific requirements. Insurers must be licensed by the Kansas Insurance Department, which oversees the industry to protect consumers. P&C insurance policies in Kansas typically include legal defense and may cover settlements or court judgments for covered incidents, including medical costs and other damages due to the policyholder's negligence.