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Broad form insurance differs from other types of car insurance since. Some exclusions apply such as not covering automobiles used for business. Insurance for your license instead of your vehicle. Broad form insurance is intended for people who do not have a car and need insurance or for people who have one or more vehicles that the owner. Broad form insurance covers you as a driver, not a car, regardless of ownership. Learn the benefits, coverages, and. What is broad form insurance, and what does it cover? Learn how to get a quote, what it covers, and what it doesn't cover. We offer broadform insurance to washington state residents only.