Houston has a number of property and casualty insurance options available. The former is for protection of one's property against a number of risks, such as fire, theft and some weather damage. It can also be for cars and businesses. This kind of insurnace can be of two types- with the risks and covers specifically mentioned, or open, general policy (some exceptions and riders are almost always there, however). Casualty insurance, on the other hand, is protection for a person or business against legal liability for losses or injuries caused to another person or business. Both of these insurances in Houston can be taken on an either personal or commercial basis. The cover can be for replacement cost, actual cash value or extended replacement cost. A number of plans and payout options are available.