What is the name of a type of insurance policy that combines property and casualty coverages?

A homeowners policy is a type of insurance that typically combines property and casualty coverages into a single package. This policy generally protects against risks related to damage to the policyholder's home and belongings (property) as well as liability risks that could arise from injuries or damage to others (casualty).

Homeowners insurance typically covers the structure of the home, personal property inside the home, liability protection in case someone is injured on the property, and sometimes additional living expenses if the home becomes uninhabitable. By combining these coverages, it simplifies the insurance process for homeowners, as they only need to manage one policy instead of multiple policies for different types of coverage.

In contrast, options like a comprehensive policy or package policy can refer to broader or different types of insurance, which may not specifically address property and casualty needs in the same way a homeowners policy does. A general liability policy focuses particularly on liability coverage without the property protections that are central to a homeowners policy.