This type of line means the individual can sell only personal homeowners, renters, boat insurance, motor cycle, recreational vehicles and auto policies. The individual cannot sell or insure farm, commercial or business policies. To be able to sell farm, commercial or business policies the individual must acquire their Property/ Casualty license.
An example: Joe wants to start his own mowing service business. Bill only has a Personal lines license. Joe wants to insure his trailer and his equipment but without the Property/ Casualty license Bill cannot insure what Joe is asking for.