
Other Types of Liability Coverage
Broad Form & Non-Owners Coverages Explained
Needing insurance but don’t own a vehicle? We can help!
By Alexandra Vileikis | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
This page is going to cover two specific types of liability auto policies: Broad Form and Non-Owners.
These are not typical policy types people have but may be a great fit for some people depending on their individual circumstances and requirements for auto insurance.
Both broad form and non-owners are types of liability coverages. Liability is coverage that protects you from being held financially responsible for the cost of damage to someone else’s property or if they are injured, due to an accident that was your fault.
Think of it this way…. Imagine there is a bubble around your car, liability covers everything outside of that bubble.

What is Broad Form Insurance?
Broad form insurance is a type of liability coverage that meets the state’s minimum liability requirements for a single driver (named insured) while they are driving a vehicle they own or have permission to use. It does not cover a vehicle they are driving for business or commercial use.
Unlike typical liability insurance policies, broad form only covers one person and does not allow for additional drivers to be added. It is also worth mentioning if the insured is driving a vehicle that has coverage, the broad form policy will become secondary insurance if they are in an accident.
Broad form insurance is not available in all states. There are only 11 states where this is an option for coverage.
States that offer broad form insurance
Colorado
Delaware
Idaho
Iowa
Maryland
Mississippi
Nebraska
Nevada
Ohio
Tennessee
Washington
**Something to note that A Plus Insurance currently only offers broad form policies in Colorado.**
More on Broad Form Insurance
Broad form insurance is a good option for those who don’t drive very often, don’t have passengers typically, own multiple vehicles, or own a low value vehicle.
Broad form insurance does not allow for additional liability coverage to be added. You can also not add comprehensive, collision, rental, or roadside to the policy.
The only 2 additional things you may add to a broad form policy are personal injury protection and uninsured motorist coverage.
Personal injury protection would help cover the cost of medical expenses for you or your passengers in case of an accident.
While uninsured coverage would help cover the cost of damage to your vehicle and medical expenses if you were hit by an uninsured vehicle and were not at fault.
What Vehicles Can You Drive with a Non-Owners Policy?
Non-owners insurance policies allow you to drive any vehicle that is not owned by you.
However it is important to note that with a non-owners policy any vehicle that is owned by another household member is excluded by this type of policy.
That means any vehicle that a roommate or relative owns, is not covered by this type of policy.
Companies That Offer Broad Form Insurance
Below are the companies that A Plus Insurance offers broad form insurance through.
The only carrier that allows us to list a specific vehicle on a broad form insurance policy is Dairyland.




Companies That Offer Non-Owners Insurance
Below are the insurance carriers that A Plus Insurance offers Non Owners Insurance policies.








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Last Updated on by Alexandra Vileikis