Broad Form and Non Owners Explained

Broad Form & Non Owners Coverages Explained

My name is Alexandra and I am the new CSR for A Plus Insurance. I am currently studying to take my agent licensing exam. So needless to say, I have learned a lot about different types of insurance coverages that are available in my first month with the company. This page is dedicated to two specific coverage types. Broad form insurance and non owners insurance.

These are not typical coverages 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?

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

  • 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 additional things you may add to a broad form policy are personal injury protection. Which would help cover the cover of medical expenses for you or your passengers in case of an accident. You can also add uninsured coverage to broad form. That 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 is Non Owners?

Non owners insurance is another form of liability coverage that is carried by a driver who does not own a vehicle but is required to carry liability insurance. It also meets the state minimum requirements for liability.

Reasons a person would have non owners insurance is if they don’t own a vehicle but frequently rent cars or drive someone else’s vehicle. Also if someone is required to show proof of insurance such as SR-22 to reinstate their license after a violation.

Last Updated on June 12, 2022 by Shawn Christie