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 Utah, property and casualty insurance (P&C insurance) are types of coverage that protect individuals and property from various risks. 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 causing injury to another person or damage to their property. These insurances are often combined in policies such as homeowners, auto, renters, landlord, condo, and powersports insurance. These bundled policies are designed to provide comprehensive protection by covering both the property itself and the liability risks associated with owning or using the property. In Utah, insurance providers must comply with state regulations and are overseen by the Utah Insurance Department, which ensures that policies meet state requirements and that consumers are protected. Policyholders are encouraged to understand the terms and coverage limits of their P&C insurance policies to ensure adequate protection against potential claims, settlements, and court judgments.