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Texas insurance glossary

Broad form

Broad form is market slang for a non-standard auto policy that follows a named person across vehicles rather than insuring a listed car for a household.

Sources checked

It is not a Texas filing name and not one standardized contract, which is the first thing worth knowing: two carriers using the phrase can be selling materially different things.

The common thread is what it leaves out. A policy built around one named person may exclude everyone else in the household, may carry no physical damage cover at all, and may not satisfy a lender or a lease.

Where a household member is excluded, Texas has its own name for the arrangement and a disclosure rule to go with it — see named driver policy.

Sources: TDI rulemaking — named driver policy disclosure (2014); TDI — automobile insurance guide (CB020). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Named driver policy A named driver policy is an auto policy that does not provide coverage for a person residing in the insured’s household unless that person is named on the policy.
  • Non-standard auto Non-standard auto is the market segment for drivers the preferred market declines or prices badly, after tickets, at-fault crashes, a lapse, or no prior insurance.
  • Liability coverage Liability coverage is the part of an auto policy that pays other people for injury or damage the insured driver causes; it repairs nothing belonging to the insured.
  • Endorsement An endorsement is a document that changes a policy — adding, removing, restricting or clarifying coverage — and becomes part of the contract once it is issued.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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