Non-owner policies are not available in all states. This type of coverage is for use when the insured does not own an automobile. A named non-owner policy normally provides only liability coverage for a non‑owned vehicle which the person borrows or rents.

If you have been searching for this type of coverage and have been unable to find a carrier thus far, the best way to try next is to contact some local independent agents that have access to multiple non-standard carriers.

You may also want to try contacting the consumer division of your state's insurance regulator to see if they may have a list of auto insurance companies that offer non-owner policies that would fit your needs.