Property and Casualty Insurance Strategy.
Property and casualty insurance is a blanket term that covers homeowners, auto, condo, renters, landlords, and toy insurance. Let’s schedule an appointment to understand what the right coverage amount is for you.
Property and Casualty Insurance
What’s Property and Casualty Insurance also known as P&C? Property and casualty insurance is a broad insurance, which includes coverage to your structure, property, and belongings in the event of vandalism, theft, and more. If a thief were to break into your home, you would be protected up to your covered limits under your homeowner’s insurance policy.
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Property and casualty insurance is actually an umbrella term that includes many forms of insurance. Homeowners insurance is one type of property and casualty product, as is renters insurance, auto insurance, and powersports insurance. The term property and casualty insurance typically contains two primary coverage types: liability coverage and property protection coverage.
As it relates to a homeowners insurance policy, property and casualty insurance may cover your belongings and/or another individual’s expenses in the aftermath of an accident occurring as the result of your negligence.
For instance, if a guest on your property suffers an injury as a result of your negligence, property and casualty insurance can cover their medical bills, pain and suffering, and loss of income. Negligence would come into play if, for instance, you have put off repairing broken aspects of the property and your guest is injured due to it as a result. Property and casualty insurance may also help cover legal fees in the event you are sued by that individual. However, property and casualty insurance can also cover losses relating to your property and belongings in the event of a covered accident.
In short, property and casualty insurance can help pay costs that you’re legally responsible for, up to your policy limits. We are ready to help you get the right amount of policy coverage – so what are you waiting for? Our direct line is 1 (800) 501-2573 to speak with an experienced team member to get the ball rolling!