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Quality RE Insurance

Personal lines and casualty insurance are two related but distinct categories within the broader field of property and casualty (P&C) insurance

Most personal policies include both property coverage (which protects your assets) and casualty coverage (which protects you from liability).

Personal lines insurance

This category covers insurance policies designed specifically for individuals and families. It protects against financial losses from damage to personal property, injuries, or death.

Examples include:

  • Auto insurance: Covers damages related to a personal vehicle, including liability coverage for accidents you cause.

  • Homeowners insurance: Protects your home's structure and personal belongings from damage due to events like fire or theft. It also typically includes liability coverage.

  • Renters insurance: Covers your personal belongings inside a rented property and includes liability protection.

  • Personal umbrella insurance: Provides extra liability coverage that goes beyond the limits of your standard auto and homeowners policies.

  • Health and life insurance: While not part of P&C, these are also considered personal lines of insurance.

Casualty insurance

Casualty insurance primarily provides liability coverage, which protects you from financial loss if you are found legally responsible for harming someone else or damaging their property. This is also known as "third-party" coverage.

Key examples and aspects include:

  • Bodily injury and property damage liability: If you cause an accident, this covers the other party's medical bills and property repair costs.

  • Medical payments coverage: Covers a guest's medical bills if they are injured on your property, regardless of who is at fault.

  • Bundled policies: For individuals, casualty insurance is typically bundled with property insurance under one policy, such as homeowners or auto insurance.

  • Commercial casualty insurance: For businesses, casualty coverage includes workers' compensation and commercial general liability insurance.

How they relate

All personal lines insurance that deals with liability is a form of casualty insurance, but casualty insurance itself is a broader category that also includes policies for businesses.

Thinking about getting the right coverage can feel a bit overwhelming, but I can help with that. Would you like me to find some options for auto, homeowners, or renters insurance, or are you interested in learning more about a specific type of coverage? Please feel free to contact us.

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Whether you own, lease or finance your car we got you covered, we are an independent insurance agency that give you the coverage you need with best price possible. contact us for a quote

Professional liability insurance (PLI), also known as errors and omissions (E&O) insurance, protects businesses and professionals from financial loss,

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Quality Re Insurance LLC provided excellent service for my property insurance needs in Florida. Highly recommend their knowledgeable team!

John D.
A construction site with scaffolding set up around a building partially made of bricks and concrete. Two workers are present; one is on the scaffolding, and the other is walking on the ground wearing protective gear. The area is surrounded by palm trees, and there is a small pavilion with a green roof in the background. Various construction materials and debris are scattered on the grass.
A construction site with scaffolding set up around a building partially made of bricks and concrete. Two workers are present; one is on the scaffolding, and the other is walking on the ground wearing protective gear. The area is surrounded by palm trees, and there is a small pavilion with a green roof in the background. Various construction materials and debris are scattered on the grass.

Miami

I was impressed with the comprehensive coverage options offered by Quality Re Insurance LLC. Their team made the process easy and stress-free for my business insurance.

A group of construction workers, wearing blue and white protective gear with yellow and red helmets, stand on a dirt construction site. Portable buildings are visible in the background along with construction equipment.
A group of construction workers, wearing blue and white protective gear with yellow and red helmets, stand on a dirt construction site. Portable buildings are visible in the background along with construction equipment.
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Orlando

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