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 Washington State, 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 someone else's property. Common policies that bundle property and casualty insurance include homeowners, auto, renters, landlord, condo, and powersports insurance policies. These policies typically cover legal defense costs and may pay for settlements or court judgments up to the limits of the policy. Washington State's regulations require that insurance providers are licensed and that policies meet certain standards to ensure fair practices and the financial stability of insurers. The Washington State Office of the Insurance Commissioner oversees the regulation of insurance companies and the enforcement of state statutes related to insurance.