When it comes to auto insurance, not every policy fits every driver. Two options that often cause confusion are Broadform Insurance and Non-Owned Auto Insurance. While they might sound similar, they serve different purposes—and knowing the difference can help you stay protected on the road.
Broadform Insurance is a personal auto policy that covers only the named insured, no matter what car they drive. It’s ideal for individuals who don’t own a vehicle but frequently drive different ones. It offers liability protection but typically excludes coverage for passengers or the car itself.
On the other hand, Non-Owned Auto Insurance is often used by businesses or individuals who occasionally use vehicles they do not own, such as rental cars or employee vehicles. This type of policy provides liability coverage but does not extend to physical damage to the non-owned car.
Which one is right for you?
- Choose Broadform if you frequently drive different cars but don’t own one.
- Choose Non-Owned Auto if you operate a business or occasionally borrow/rent cars for work purposes.
Always consult with a licensed insurance agent to make sure you're getting the coverage that fits your needs.
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Disclaimer: This blog is for informational purposes only. Policy terms and conditions vary by provider—always read your insurance contract carefully.
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