In most cases, you do not have at risk losses because you have property insurance. But that's not the only thing that matters. IRS Publication 925 at https://www.irs.gov/pub/irs-dft/p925--dft.pdf covers the passive losses and at-risk rules. It can get complex for some.

Whether or not you have casualty insurance or insurance protecting yourself against tort liability is irrelevant with respect to the at-risk rules.

Sorry, I am getting confused with the first answer.

So if I have loss in my rental property, and I have mortgage and Landlord insurance,
Will this consider as At Risk losses?

Which one is better to claim this as AtRisk vs Non Risk losses?

does passive losses equal to At Risk losses?

Simply put, if you are personally liable on your mortgage, you are "at-risk" for the amount of the mortgage.