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Property insurance is a broad term for a series of policies that provide either property protection coverage or liability coverage for property owners. Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft—and to a person other than the owner or renter if that person is injured on the property.

Property insurance can include a number of policies, such as homeowners insurance, fire insurance, flood insurance, and earthquake insurance. Personal property is usually covered by a homeowners or renters policy.

Any asset and Property can be insured under property insurance. The property policy can be extended to cover natural calamities and riot & strikes, malicious damage, sabotage & terrorism risks