Property and casualty insurance is a category of insurance products designed to help keep your house, automobile, property and small business protected from theft, natural disasters, crashes and vandalism. AAA Insurance offers members property and casualty insurance policies across a wide spectrum of categories to help provide the right financial protection—and peace of mind.
Read on to learn what’s generally protected under property and casualty insurance, what other types of insurance are offered by AAA Insurance and how you can get a quote for coverage.
Property and casualty insurance, commonly known as P&C insurance, is a group of insurance products offered to protect your home, car, certain valuable items and small business.
P&C insurance includes home and condo insurance, renters insurance, car insurance, and business insurance. The category also includes more-specialized insurance products, such as flood insurance and umbrella insurance.
The P&C insurance policy you select will be based on a variety of factors, from where you live to the property’s value. When you take out a property and casualty insurance policy, it’s important to ensure that you have chosen coverage to help protect your financial investment in the event of a loss.
Generally speaking, here are some of the items covered under the various categories of property and casualty insurance:
You may also need extra coverage for valuable collectibles and unique items, such as musical instruments, sports cards and memorabilia, stamps, rare books, art, antiques, camera equipment, coins, and more.
Your AAA Insurance agent can help you analyze your assets to find the insurance coverage to help meet your unique needs. Your agent will also provide you with an insurance quote that includes all of the details related to your coverage.
Umbrella insurance is designed to offer an extra layer of widespread protection for your greatest assets, such as your home or future income.
Read moreWhile property insurance and casualty insurance are typically grouped together under the term P&C insurance, the category represents two distinct types of coverage based on what each one is designed to protect.
As the name implies, this is coverage to protect your property in the event of theft or damage. Home and condo insurance protects a dwelling’s structure from floor to ceiling as well as its integrity, so this is an example of property insurance. Home and condo insurance policies also protect some of the property inside a home, but there is a limit. This is why many people elect to purchase additional coverage through an insurance policy rider.
This covers the policyholder if they cause injury to another person or cause damage to another person’s property. Auto insurance is an example of casualty insurance. Auto insurance is protection in the event that a vehicle is damaged or there’s injury to the driver or passengers.
The more you know, the better your decisions. Read the fine print to learn about insurance limitations.
Learn moreP&C insurance is necessary for financial protection against theft or damage to your property. It provides overarching general coverage for your dwelling or automobile.
It’s also important to remember that most lenders require you to have home insurance or condo insurance before you can take out a mortgage, and most automotive dealers require car insurance before they will complete the sale of a vehicle.
While there are many insurance providers available, members can enjoy the coverage, experience and guidance provided by AAA Insurance agents. In fact, members have consistently recommended AAA Insurance products, including renters insurance.
Should you need to file a claim, the AAA Insurance claims site makes it as easy as possible. There, you can submit your claim online or contact a friendly, knowledgeable representative any time of day.
There’s a wide range of insurance offerings. In addition to home and auto coverage, members can also take advantage of:
In addition, AAA Insurance offers insurance riders, also known as insurance endorsements, to complement an existing policy. These riders add additional coverage for specific assets to ensure that your needs are met. Insurance riders are not required, but in most cases they provide important coverage for you and your family.
For example, your homeowners insurance policy may cover personal property, but there will be a limit to how much will be covered. So many AAA Members elect to purchase a Personal Property rider with jewelry protection to help provide protection in the event your jewelry is lost, stolen or damaged.
Other types of insurance riders include:
Talk with your AAA Insurance agent to learn about protecting your valuable possessions with an insurance rider.
AAA Insurance agents are available to discuss your home, property and auto insurance needs. Our team is here to answer questions about existing coverage, renewing coverage or adding additional coverage to provide the best protection possible. And if you need to file a claim or obtain a quote, we can assist with that, too. Get the right protection for your property and family with AAA Insurance.
AAA Members can save on their property and casualty insurance needs. Talk to AAA to learn more.
This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.
Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, The Members Insurance Company, Universal Insurance Company, Auto Club South Insurance Company, or Auto Club Insurance Company of Florida. ©2025 The Auto Club Group. All rights reserved.
Legal & Compliance Reviewed: April 2025
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