Property and Casualty Insurance

Property and casualty insurance covers your liability and personal property against injury, damage, or loss.
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Kristine Lee

Insurance Analyst

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 5+ years of Experience in the Insurance Industry
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Beth Swanson

SEO Content Strategist

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Credentials
  • Licensed Insurance Agent — Property and Casualty

Property and casualty insurance: what to know

Property insurance and casualty insurance (also known as P&C insurance) are types of coverage options that help protect you and your property.

The Property portion refers to coverage for personal belongings, including property, in the event that they are damaged or stolen. Most property is covered against things like theft, vandalism, fire, and weather.

The Casualty portion refers to coverage for incidents in which you are legally liable for damage or injury caused to another party.

These coverages are usually bundled together into one insurance policy, including:


What policies fall under property and casualty insurance?

P&C insurance describes a broad category of coverage types, but below are the policies most commonly categorized as property and casualty.

car
Car insurance

Can help cover you, your passengers, and other drivers in the event of a crash. This type of policy can also provide coverage for damage to your vehicle after a crash and other events like theft, vandalism, and weather damage.

condo
Condo insurance

In addition to covering your personal items, condo insurance covers the interior structure of your residence in conjunction with the insurance policy carried by your condo association. This type of policy should also provide coverage for your liability.

home
Homeowners insurance

Differing from condo insurance, home insurance generally covers the entire structure of your residence (interior and exterior) in addition to your personal belongings against certain types of damage or loss. This type of policy also includes coverage for your liability for injury that may occur in your home and outside of your residence if you are legally liable for injury or damage to someone else.

home office
Renters insurance

Commonly referred to as “contents” coverage, renters insurance provides coverage for your personal property if it is damaged or stolen. This type of policy also includes liability coverage for injury and/or damage for which you may be considered liable or negligent.

motorcycle
Special lines insurance

This type of policy is intended for things like motorcycles, boats, golf carts, and recreational vehicles. Special Lines policies generally provide liability coverage and optional physical damage coverage for the vehicle itself; much like car insurance

While these policies share similarities, they all offer varying levels of coverage. It’s extremely important to be aware of how your policy applies, what it covers, and what it does not cover.

Review your policy contract or consult with your agent or insurance provider for a better understanding of your policy.

Compare insurance rates online and start saving today!

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No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.