Four Seasons Sotheby's Int'l Realty
Four Seasons Sotheby's Int'l Realty
Darren Sherburne, Four Seasons Sotheby's Int'l RealtyPhone: (802) 598-4584
Email: [email protected]

P&C insurance: A beginners guide to property & casualty insurance

by Darren Sherburne 05/20/2024

House keychain

The world of insurance can be confusing. There are so many policies to choose from - among the myriad options you’re certain to encounter what’s known as property and casualty insurance, or P and C insurance. Understanding this type of insurance is crucial to making smart decisions in choosing your coverage.


How does P&C insurance work?

P&C insurance offers financial coverage to your personal belongings. This includes your home, car and the contents of your home. It can also include personal liability coverage. 


What are the main types of P&C insurance?

Some of the most common types of P&C insurance include: 


  • Homeowners insurance: Offers policies to homeowners. Coverage options include personal belongings, home structure and liability insurance. 
  • Renters insurance: This insurance provides financial security for personal belongings owned by renters. 
  • Car insurance: This insurance offers financial compensation when a car is involved in an accident. 

What does P&C insurance include?

P&C insurance includes coverages to your belongings when perils strike. For example, if someone breaks into your home and steals your laptop, property insurance would pay for a replacement. 

However, if you have a health issue, P&C insurance wouldn’t cover medical bills. This would be under the purview of your health insurance policy.

Do a survey of your belongings to know what might need coverage. Once you have this information, you get a better idea of the insurance types best suited for you.

About the Author
Author

Darren Sherburne

I was born and raised in the town of Newbury, Vermont. Before, during, and after obtaining my Bachelor’s degree from Johnson & Wales University in Providence, Rhode Island, I worked in the hospitality industry throughout New England. One of my proudest achievements is being one of the youngest Certified Sommeliers, having passed the exam at the age of 21. 

Each client and customer comes to the table with a different set of needs and wants. Utilizing my career history and life experience allows me to apply those elements to each Real Estate endeavor. I take great pride in providing a creative and innovative experience to everyone I work with by utilizing current technology and trends. I also provide professional-level photography and videography including production not only for my seller clients but also for buyers who are looking at a property from afar.