Personal Property & Casualty Insurance

Benefit Resource Group wants to help you protect your assets with the right insurance plan.

What Is Personal Property & Casualty Insurance?

Personal Property & Casuality (P&C) insurance provides financial protection for the assets, belongings, and day-to-day risks that affect you and your family. From your home and personal possessions to your vehicles and liability exposure, P&C insurance helps safeguard what you’ve worked hard for. Whether you’re settling into a first home, juggling a busy household, or simply looking for better peace of mind, these policies ensure you’re covered when the unexpected strikes.



Personal P&C insurance is highly customizable, allowing you to build a protection plan based on your specific lifestyle, needs, and budget.

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Core Types of Personal P&C Coverage

Personal Property & Casualty insurance includes several policy types, each designed to protect different aspects of your life:


Homeowners Insurance

Covers your home, personal belongings, and liability risks. It also protects you from damage caused by fire, storms, theft, or other covered events.


Condo & Renters Insurance

Condo insurance covers the interior of your unit and belongings, while renters insurance protects your possessions and provides liability coverage—even if you don’t own the property.


Auto Insurance

Protects you financially if you're in an accident, covering damage to your vehicle, medical expenses, and liability if you’re responsible for injuries or property damage.


Umbrella Insurance

An extra layer of liability protection that extends beyond the limits of your homeowners, auto, or other policies—ideal for additional peace of mind and broader protection.

Why Personal P&C Coverage Matters

Personal Property & Casualty insurance does more than protect your belongings. It safeguards your overall financial well-being. Key benefits include:


Protection From Costly Losses

Even a small accident, storm event, or theft can lead to significant expenses. P&C insurance helps prevent these incidents from becoming major financial burdens.


Liability Coverage

If someone is injured on your property or you’re found responsible for an accident, liability protection helps cover legal fees, medical bills, and settlement costs.


Coverage for Everyday Risks

Life is unpredictable. Whether it’s a kitchen fire, a fallen tree, or a fender bender, personal P&C insurance ensures you have support when you need it most.


Flexible Options & Add-Ons

Policies can be tailored with endorsements for items like jewelry, home offices, recreational vehicles, identity theft, and more.

How to Choose the Right Personal P&C Policy

Selecting the right plan starts with understanding your needs, priorities, and risk tolerance. Consider the following:


The Value of Your Property

Accurate replacement-cost estimates ensure you can recover fully after a loss.


Your Budget

Different deductibles, limits, and coverage options can be adjusted to create an affordable plan.


Your Lifestyle & Risk Exposure

Drivers, homeowners, families with kids, travelers, and pet owners all have different insurance needs.


Discount Opportunities

Bundle home and auto policies, install safety features, maintain good credit, or remain claim-free—these can help lower your premiums.

A trusted insurance agent can help you compare options, find gaps, and build a plan that provides the right balance of protection and cost.