THE FINE PRINTtoseeall.net
The Fine Print · toseeall.net Directory · 2026

The whole map of insurance — one line at a time.

This is the directory for The Fine Print's insurance investigations on toseeall.net: every major line of coverage that exists, grouped by who it protects. We take them apart one honest deep-dive at a time — the way we do everything here. Auto is live now — the rest are on the map and in the pipeline.

LINES CATALOGED 130+ LIVE DEEP-DIVES 3 · Auto, LTC, Home UPDATED Aug 2026
Live — full deep-dive published Mapped — in the pipeline
Live The first deep-dive is published

Auto Insurance →

Eight carriers analyzed one at a time — State Farm, Progressive, GEICO, Allstate, Liberty Mutual, Travelers, Farmers, Nationwide — plus the real technology underneath them (telematics, rating engines, claims AI), the privacy reckoning, and each carrier's marketing tactics, approved ad vendors, and agent-compliance practices.

Open the Auto intelligence report →
Live New investigation

Long-Term Care →

The collapse of the long-term care market — why carriers fled, the rate-increase crisis on legacy policies (a full Genworth exposé), the survivors still selling, the pivot to hybrids, and WA Cares, the first public LTC benefit in America.

Open the Long-Term Care report →
Live New investigation

Homeowners (HO-3) →

The great retreat: insurers fleeing climate risk. The California wildfire epicenter (a full breakout), Florida's reform turnaround, State Farm and the retreating nationals, AI-driven non-renewals, and the insurers of last resort.

Open the Homeowners report →
01
Who it protects · individuals & families

Personal lines

Auto & vehicle

What moves you — and the risk that comes with it
  • Private-passenger auto Live
  • Motorcycle
  • RV & motorhome
  • Classic & collector car
  • Boat & watercraft
  • Personal watercraft / jet-ski
  • ATV / off-road / powersports
  • Snowmobile
  • Rideshare & delivery gap
  • Non-owner auto
  • Usage-based / telematics
  • Gap (loan/lease payoff)

Home & property

The roof over your head and everything under it
  • Homeowners (HO-3) Live
  • Renters (HO-4)
  • Condo (HO-6)
  • Older-home / market-value (HO-8)
  • Landlord / dwelling fire (DP-1 / DP-3)
  • Mobile & manufactured home
  • Vacation / secondary home
  • Vacant / unoccupied dwelling
  • Flood (NFIP & private)
  • Earthquake
  • Wind / hurricane / named-storm
  • Personal umbrella / excess liability
  • Scheduled valuables — jewelry, fine art, collectibles
  • Home warranty / service contract
  • Equipment & appliance protection

Life

Protecting the people who depend on you
  • Term life
  • Whole life
  • Universal life (UL)
  • Indexed universal life (IUL)
  • Variable universal life (VUL)
  • Final expense / burial
  • Guaranteed & simplified issue
  • Mortgage protection
  • Group / employer life
  • Survivorship / second-to-die

Health & medical

Coverage for the body and the bills
  • ACA marketplace / individual major medical
  • Employer group health
  • Medicare Advantage (Part C)
  • Medicare Supplement (Medigap)
  • Medicare Part D (prescription)
  • Medicaid
  • Short-term / limited-duration medical
  • Dental
  • Vision
  • Critical illness
  • Accident
  • Hospital indemnity
  • Cancer
  • HSA-qualified high-deductible plans

Income & care protection

What replaces a paycheck — or pays for the long haul
  • Short-term disability (STD)
  • Long-term disability (LTD)
  • Individual disability income
  • Long-term care (LTC) Live
  • Hybrid life + long-term care
  • Fixed annuities
  • Indexed annuities
  • Variable annuities
  • Immediate / income annuities (SPIA)

Lifestyle & other personal

The coverage for how you actually live
  • Travel / trip cancellation & medical
  • Pet
  • Identity theft
  • Personal cyber
  • Wedding & special event
  • Extended auto warranty / vehicle service contract
  • Supplemental / voluntary worksite benefits
  • Legal expense / prepaid legal
02
Who it protects · businesses & organizations

Commercial lines

Core business

The foundation every operation is built on
  • Business Owners Policy (BOP)
  • Commercial general liability (CGL)
  • Commercial property
  • Business interruption / income
  • Commercial auto & fleet
  • Workers' compensation
  • Commercial umbrella / excess

Management & professional

Protecting decisions, expertise, and data
  • Professional liability / errors & omissions (E&O)
  • Directors & officers (D&O)
  • Employment practices liability (EPLI)
  • Fiduciary liability
  • Cyber liability & data breach
  • Technology E&O
  • Media & advertising liability
  • Medical malpractice

Property & specialty commercial

Physical risk, goods in motion, and catastrophe
  • Inland marine — equipment, tools, transit
  • Ocean marine & cargo
  • Builders risk / course of construction
  • Equipment breakdown (boiler & machinery)
  • Commercial flood
  • Commercial crime / fidelity
  • Product liability
  • Liquor liability
  • Environmental / pollution liability
  • Terrorism (TRIA)

Bonds

Guarantees of performance and honesty
  • Contract / performance surety bonds
  • License & permit bonds
  • Court & fiduciary bonds
  • Fidelity bonds

Industry & sector

Coverage tuned to a specific line of work
  • Farm / ranch & agribusiness
  • Crop — multi-peril (MPCI) & hail
  • Trucking / motor carrier
  • Aviation & aircraft
  • Garage & auto dealers
  • Hospitality & restaurant
  • Habitational / apartment
  • Construction & contractors
  • Cannabis business
  • Nonprofit / social services
  • Entertainment & special events
  • Oil, gas & energy

Employee benefits (group)

What employers offer their people
  • Group health
  • Group life
  • Group dental & vision
  • Group disability (STD / LTD)
  • Voluntary / worksite benefits
  • Key-person life
03
Who it protects · everyone else, and the market itself

Specialty, financial & alternative risk

Specialty & financial lines

Where risk gets unusual, large, or hard to place
  • Title insurance
  • Mortgage insurance (PMI / MIP)
  • Excess & surplus (E&S) / hard-to-place
  • Reinsurance
  • Parametric / index-based
  • Trade credit & political risk
  • Kidnap & ransom (K&R)
  • Warranty & service contracts
  • Captive & self-insurance / risk retention
  • Weather & crop-index
  • Space & satellite
  • Standalone cyber
  • Annuities (as financial products)
How this directory grows

Each line above earns its own deep-dive over time — the same treatment Auto got: real carriers, real numbers, the technology underneath, and an honest read of what's true versus what the market is told. If there's a line you want investigated next — or a story you think is hiding in one — tell us. That's what The Fine Print is for.