What do personal lines cover in property-casualty insurance?

Personal lines in property-casualty insurance are designed specifically to cover individuals or families rather than businesses, corporations, or non-profit organizations. This type of insurance encompasses policies like homeowners insurance, personal auto insurance, and personal liability coverage.

These policies protect against the risks associated with personal property and liabilities that people face in their everyday lives. For instance, homeowners insurance provides coverage for a person's home and belongings against certain risks like theft or damage, while auto insurance provides similar protection for vehicles.

The unique focus of personal lines is on the individual consumer’s needs, ensuring that personal assets are safeguarded, and financial losses relating to personal activities are minimized. This distinction makes personal lines a pivotal aspect of managing risk for everyday personal circumstances.