Preheat the oven to 425°F (220°C). Lightly grease a 9x13-inch baking dish or similar casserole dish.
Add the base ingredients: In the dish, add instant rice, black beans, frozen corn, salsa, diced tomatoes with green chiles (with juices), and broth.
Season it up: Sprinkle in the taco seasoning. If using onion, bell pepper, or cooked meat, add those now.
Mix directly in the dish: Stir everything until the rice is evenly distributed and the seasoning looks well combined.
Top and bake: Cover tightly with foil and bake for 10 minutes.
This lets the rice absorb liquid quickly.
Add cheese: Remove foil, stir once to loosen, then sprinkle cheese evenly over the top. Add a handful of crushed tortilla chips if you like a crispy layer.
Finish baking: Return to the oven uncovered for 5 minutes, or until the cheese is melted and bubbly and the rice is tender.
Garnish and serve: Let it stand for 2–3 minutes. Top with cilantro, extra chips, and a squeeze of lime.
Serve with sour cream, avocado, or hot sauce if you like.