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 West Virginia (WV), property and casualty insurance (P&C insurance) are regulated by the West Virginia Offices of the Insurance Commissioner. P&C insurance encompasses a variety of policies that provide coverage for property damage and liability for bodily injury or property damage to others. Homeowners, automobile, renters, landlord, condominium, and powersports insurance policies are common examples of P&C insurance. These policies typically cover the costs of legal defense, settlements, and court judgments up to the limits of the policy, including medical expenses and other damages due to negligence. Insurers in WV must comply with state statutes and regulations, which include requirements for policy terms, consumer protections, and the financial solvency of insurance companies. Consumers are encouraged to understand the coverage, exclusions, and limits of their policies and to ensure they have adequate protection for their assets and potential liabilities.