Homeowners, Auto, Life, Umbrella, and more!
Personal lines insurance is a group of property & casualty insurance products that protect individuals from losses they otherwise couldn’t afford. P&C insurance includes homeowner’s insurance (fire, flood, earthquake, etc.), life insurance, auto insurance, and umbrella insurance that covers multiple vehicles and properties. The policies protect against natural disasters, theft, and even lawsuits stemming from incidents on the property.
P&C also includes personal liability for renter’s fire policies and builder’s risk. These coverages protect against losses for personal liability and belongings, while not covering the structure itself. Everyone, whether living in an owned house, a rented apartment, or anywhere in between, should have personal lines insurance, and some states/landlords require it.