Which insurance type is typically not available in all states?

No-fault insurance is specifically related to automobile insurance and is designed to provide benefits to policyholders regardless of who is at fault for an accident. The availability of no-fault insurance varies by state due to differing state laws and regulations regarding automobile insurance. Some states have adopted no-fault insurance systems, while others operate under traditional tort liability systems, where the responsible party is held liable for damages.

Long-term care insurance, mortgage insurance, and renter's insurance are generally available across all states, although the specific policies and coverage options may differ. Long-term care insurance focuses on covering the costs of long-term care services, mortgage insurance protects lenders in case of default, and renter's insurance provides coverage for personal belongings in rental properties. These types of insurance are regulated on a broad scale, making them available in various forms in most states. Thus, the variability of no-fault insurance availability across the nation makes it the correct answer to the question.