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 New Hampshire (NH), property and casualty insurance (P&C insurance) is regulated by the New Hampshire Insurance Department. P&C insurance encompasses a variety of policies that provide coverage for property damage and liability for bodily injury or property damage to others. These policies include homeowners, automobile, renters, landlord, condominium, and powersports insurance. Property insurance covers damage to the insured's own property, while casualty insurance covers the insured's legal liability for injuries or damage to others. Insurers in NH must comply with state statutes and regulations, which dictate the terms of coverage, consumer protections, and the obligations of insurance providers. The state also requires certain types of P&C insurance to be maintained by individuals and businesses, such as automobile insurance for drivers. NH's regulations ensure that P&C insurance policies provide defense and indemnity against covered claims, including medical expenses, pain and suffering, and lost income due to the policyholder's negligence.