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 North Dakota, 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 liability coverage to protect the policyholder in case they are found legally responsible for injuries or property damage to others. These types of insurance are often combined into single policies for convenience and comprehensive coverage. Common bundled policies in North Dakota include homeowners insurance, auto insurance, renters insurance, landlord insurance, condo insurance, and powersports insurance. These policies typically cover legal defense costs and may pay for settlements or court judgments up to the limits of the policy. It's important for policyholders to understand the specific terms, conditions, and exclusions of their insurance contracts. The North Dakota Insurance Department regulates the insurance industry in the state and ensures that insurance policies comply with state laws and regulations.