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 Kentucky, property and casualty insurance (P&C insurance) are regulated by the Kentucky Department of Insurance. These types of insurance cover a range of policies that protect against damage to property and liability for injuries or damage to others for which the insured may be responsible. Homeowners, automobile, renters, landlord, condominium, and powersports insurance are common policies that bundle property and casualty coverage. Kentucky law requires certain minimum levels of insurance coverage, such as automobile liability insurance, to protect against the costs associated with accidents and injuries. Insurers in Kentucky must comply with state regulations regarding policy terms, consumer protections, and claims handling. P&C insurance policies in Kentucky will typically cover legal defense costs and financial settlements or court judgments up to the limits specified in the policy, which can include medical expenses, pain and suffering, and lost income for individuals harmed due to the policyholder's negligence.