What type of insurance is considered "personal lines"?

Personal lines insurance refers to coverage that is specifically designed for individual consumers rather than businesses or other entities. This type of insurance typically includes policies such as homeowners, renters, and personal auto insurance, which protect personal property and provide liability coverage for individuals and families. The primary focus of personal lines is to meet the needs of the average consumer, ensuring that they have the necessary protection for their personal belongings and liabilities.

In contrast, the other options represent different types of coverage that do not fall under the category of personal lines insurance. Business entities are generally covered by commercial lines insurance, which focuses on insuring businesses rather than individuals. Rental properties may fall under personal lines in certain contexts, but they are more commonly associated with commercial lines when owned by businesses. Lastly, insurance for governmental agencies does not relate to personal lines, as it often involves specialized coverage for public entities rather than individual consumers.