# How AI guides home and contents insurance in New Zealand

Edition 1 · answers collected 11 October 2026.

[Read on NZBrands.ai](https://nzbrands.ai/research/insurance/home-contents-insurance)

We asked four AI platforms about choosing home and contents insurance and getting help with an existing policy or claim. The study compares their answers and insurer recommendations across twelve consumer situations and sixteen New Zealand regions, keeping home and contents results separate.

## Study figures

| Measure | Value | Meaning |
| --- | --- | --- |
| AI platforms | 4 | ChatGPT, Gemini, Google AI Mode and AI Overviews. |
| consumer profiles | 12 | Twelve designed consumer situations, with separate home and contents questions. |
| questions | 372 | 189 home-insurance and 183 contents-insurance questions. |
| captured answers | 1,476 | 1,476 of 1,488 planned answers were saved. |
| regions | 16 | Sixteen named New Zealand regions in the question set. |
| collected | 11 Oct 2026 | Answers collected on 11 October 2026. |

## The home, the belongings and the help needed change the recommendations.

### Consumer-selection answers recommended Tower.

87 of 94

Tower appeared in forty-two of forty-seven home answers and forty-five of forty-seven contents answers. AMI, AA Insurance and State also formed a common comparison group.

[Compare insurer recommendations](https://nzbrands.ai/research/insurance/home-contents-insurance#choosing)

### Home-selection answers recommended Initio.

27 of 47

It appeared in only four of forty-seven contents answers. The insurer picture changes when the question concerns the building rather than the belongings.

[Compare home and contents](https://nzbrands.ai/research/insurance/home-contents-insurance#choosing)

### Rural-home answers recommended FMG and AMI.

4 of 4

Both also appeared in all four rural-contents answers. The questions describe a rural block and belongings kept in the house and shed.

[Explore the rural household](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p07)

### High-value-home answers recommended NZI and Chubb.

3 of 4

These specialist options were more prominent for an unusual, high-value home. Contents answers for valuable jewellery and art included Tower in all four responses.

[Explore high-value cover](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p09)

### West Coast selection answers recommended FMG.

7 of 7

It appeared in one of Wellington’s seven matched answers. Each region contributes the same four home and three contents platform answers.

[Compare the regions](https://nzbrands.ai/research/insurance/home-contents-insurance#regions)

### Checked statements were wrong.

5 of 97

Seventy-seven were correct and fifteen were unclear or missing an important qualification. The checks cover selected claims about natural-hazard cover, policy benefits, insurer availability and disputes.

[Read the checked statements](https://nzbrands.ai/research/insurance/home-contents-insurance#accuracy)

## Home insurer choice

## Everyday household

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 9 | 0 | 6 | 0 |
| AMI | 4 | 4 | 100% | 5 | 0 | 7 | 1 |
| AA Insurance | 4 | 4 | 100% | 8 | 0 | 5 | 0 |
| State | 4 | 4 | 100% | 4 | 0 | 6 | 1 |
| MAS | 3 | 4 | 75% | 6 | 1 | 6 | 0 |
| FMG | 3 | 4 | 75% | 6 | 0 | 2 | 0 |
| Initio | 3 | 4 | 75% | 3 | 0 | 2 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## First home and first cover

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 7 | 0 | 5 | 0 |
| AMI | 3 | 4 | 75% | 2 | 0 | 5 | 0 |
| AA Insurance | 4 | 4 | 100% | 7 | 0 | 4 | 0 |
| State | 3 | 4 | 75% | 2 | 0 | 4 | 0 |
| MAS | 3 | 4 | 75% | 9 | 1 | 5 | 0 |
| FMG | 3 | 4 | 75% | 6 | 0 | 0 | 0 |
| Initio | 3 | 4 | 75% | 3 | 0 | 1 | 0 |
| Trade Me Insurance | 2 | 4 | 50% | 2 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 1 | 0 | 2 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| BNZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Tight budget

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 10 | 0 | 2 | 0 |
| AMI | 3 | 4 | 75% | 6 | 0 | 2 | 0 |
| AA Insurance | 3 | 4 | 75% | 5 | 0 | 1 | 0 |
| State | 3 | 4 | 75% | 6 | 0 | 2 | 0 |
| MAS | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 4 | 4 | 100% | 11 | 0 | 2 | 0 |
| Trade Me Insurance | 2 | 4 | 50% | 2 | 0 | 1 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 3 | 4 | 75% | 7 | 0 | 1 | 0 |
| Cove | 1 | 4 | 25% | 3 | 0 | 2 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Renting and moving

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 9 | 0 | 6 | 0 |
| AMI | 4 | 4 | 100% | 7 | 0 | 7 | 0 |
| AA Insurance | 3 | 4 | 75% | 4 | 0 | 4 | 0 |
| State | 4 | 4 | 100% | 6 | 0 | 4 | 0 |
| MAS | 4 | 4 | 100% | 9 | 1 | 6 | 0 |
| FMG | 2 | 4 | 50% | 3 | 0 | 0 | 0 |
| Initio | 4 | 4 | 100% | 6 | 0 | 4 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Younger household

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 10 | 1 | 5 | 0 |
| AMI | 4 | 4 | 100% | 10 | 1 | 2 | 0 |
| AA Insurance | 4 | 4 | 100% | 11 | 0 | 4 | 0 |
| State | 4 | 4 | 100% | 8 | 1 | 4 | 0 |
| MAS | 4 | 4 | 100% | 11 | 0 | 4 | 0 |
| FMG | 1 | 4 | 25% | 2 | 0 | 1 | 0 |
| Initio | 3 | 4 | 75% | 6 | 0 | 1 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 2 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Family with children

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 11 | 0 | 3 | 1 |
| AMI | 4 | 4 | 100% | 8 | 0 | 6 | 1 |
| AA Insurance | 4 | 4 | 100% | 10 | 0 | 3 | 1 |
| State | 4 | 4 | 100% | 6 | 0 | 6 | 1 |
| MAS | 3 | 4 | 75% | 9 | 0 | 2 | 0 |
| FMG | 3 | 4 | 75% | 7 | 0 | 1 | 0 |
| Initio | 2 | 4 | 50% | 4 | 0 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 2 | 4 | 50% | 2 | 1 | 2 | 0 |
| AMP | 1 | 4 | 25% | 3 | 0 | 2 | 1 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 2 | 4 | 50% | 3 | 0 | 2 | 1 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Rural home

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 0 | 8 | 0 |
| AMI | 4 | 4 | 100% | 8 | 0 | 4 | 0 |
| AA Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| State | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| MAS | 2 | 4 | 50% | 4 | 1 | 2 | 0 |
| FMG | 4 | 4 | 100% | 9 | 0 | 4 | 0 |
| Initio | 1 | 4 | 25% | 0 | 1 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 2 | 4 | 50% | 2 | 0 | 3 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 2 | 4 | 50% | 3 | 0 | 2 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Flood exposure

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 7 | 1 | 6 | 0 |
| AMI | 4 | 4 | 100% | 6 | 1 | 4 | 0 |
| AA Insurance | 3 | 4 | 75% | 4 | 1 | 3 | 0 |
| State | 4 | 4 | 100% | 5 | 1 | 3 | 0 |
| MAS | 3 | 4 | 75% | 4 | 0 | 1 | 1 |
| FMG | 1 | 4 | 25% | 2 | 0 | 2 | 0 |
| Initio | 2 | 4 | 50% | 2 | 0 | 2 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| NZI | 2 | 4 | 50% | 4 | 0 | 1 | 0 |
| AMP | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## High-value home and belongings

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 1 | 4 | 25% | 1 | 0 | 2 | 0 |
| AMI | 2 | 4 | 50% | 4 | 0 | 4 | 0 |
| AA Insurance | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| State | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| MAS | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 3 | 4 | 75% | 16 | 0 | 4 | 1 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 2 | 4 | 50% | 2 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 3 | 4 | 75% | 8 | 0 | 1 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 1 | 4 | 25% | 5 | 0 | 2 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## After a difficult claim

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 0 | 4 | 1 |
| AMI | 3 | 4 | 75% | 3 | 0 | 4 | 3 |
| AA Insurance | 4 | 4 | 100% | 4 | 0 | 2 | 0 |
| State | 3 | 4 | 75% | 2 | 0 | 5 | 3 |
| MAS | 4 | 4 | 100% | 15 | 0 | 3 | 1 |
| FMG | 4 | 4 | 100% | 11 | 0 | 1 | 0 |
| Initio | 2 | 4 | 50% | 4 | 0 | 1 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Someone to call

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 2 | 4 | 50% | 2 | 1 | 1 | 0 |
| AMI | 4 | 4 | 100% | 8 | 0 | 1 | 0 |
| AA Insurance | 3 | 4 | 75% | 8 | 0 | 2 | 0 |
| State | 2 | 4 | 50% | 3 | 0 | 2 | 1 |
| MAS | 3 | 4 | 75% | 6 | 0 | 1 | 0 |
| FMG | 3 | 4 | 75% | 7 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 1 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| BNZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Managing insurance online

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 7 | 0 | 7 | 0 |
| AMI | 3 | 3 | 100% | 6 | 0 | 8 | 0 |
| AA Insurance | 3 | 3 | 100% | 9 | 0 | 3 | 0 |
| State | 3 | 3 | 100% | 4 | 0 | 3 | 0 |
| MAS | 1 | 3 | 33% | 1 | 0 | 1 | 0 |
| FMG | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Initio | 3 | 3 | 100% | 7 | 0 | 3 | 0 |
| Trade Me Insurance | 2 | 3 | 67% | 2 | 0 | 1 | 0 |
| NZI | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| AMP | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| Cove | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 1 | 3 | 33% | 1 | 0 | 1 | 0 |
| Westpac Insurance | 1 | 3 | 33% | 1 | 0 | 1 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 3 | 33% | 1 | 0 | 1 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Contents insurer choice

## Everyday household

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 8 | 0 | 8 | 0 |
| AMI | 4 | 4 | 100% | 9 | 0 | 4 | 0 |
| AA Insurance | 4 | 4 | 100% | 10 | 0 | 6 | 0 |
| State | 4 | 4 | 100% | 8 | 0 | 7 | 0 |
| MAS | 1 | 4 | 25% | 0 | 1 | 0 | 0 |
| FMG | 2 | 4 | 50% | 3 | 0 | 2 | 0 |
| Initio | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Trade Me Insurance | 3 | 4 | 75% | 4 | 0 | 3 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 2 | 4 | 50% | 2 | 0 | 0 | 0 |
| Cove | 2 | 4 | 50% | 3 | 0 | 2 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## First home and first cover

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 9 | 0 | 4 | 0 |
| AMI | 4 | 4 | 100% | 9 | 0 | 3 | 0 |
| AA Insurance | 4 | 4 | 100% | 7 | 0 | 2 | 0 |
| State | 4 | 4 | 100% | 8 | 0 | 2 | 0 |
| MAS | 4 | 4 | 100% | 4 | 1 | 2 | 0 |
| FMG | 3 | 4 | 75% | 7 | 0 | 1 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 2 | 4 | 50% | 1 | 0 | 2 | 0 |
| NZI | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Cove | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Tight budget

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 4 | 0 | 5 | 0 |
| AMI | 4 | 4 | 100% | 5 | 0 | 4 | 0 |
| AA Insurance | 3 | 4 | 75% | 3 | 0 | 4 | 0 |
| State | 3 | 4 | 75% | 3 | 0 | 2 | 0 |
| MAS | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| FMG | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 3 | 4 | 75% | 2 | 0 | 4 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 3 | 4 | 75% | 3 | 1 | 2 | 0 |
| Cove | 2 | 4 | 50% | 3 | 0 | 3 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 3 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Renting and moving

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 7 | 0 | 5 | 0 |
| AMI | 3 | 4 | 75% | 6 | 0 | 4 | 0 |
| AA Insurance | 4 | 4 | 100% | 7 | 0 | 4 | 0 |
| State | 4 | 4 | 100% | 6 | 0 | 5 | 0 |
| MAS | 2 | 4 | 50% | 4 | 0 | 2 | 0 |
| FMG | 2 | 4 | 50% | 5 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 1 | 0 | 0 |
| Trade Me Insurance | 2 | 4 | 50% | 2 | 0 | 3 | 0 |
| NZI | 1 | 4 | 25% | 1 | 0 | 2 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Cove | 1 | 4 | 25% | 1 | 0 | 3 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Younger household

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 10 | 0 | 7 | 0 |
| AMI | 4 | 4 | 100% | 14 | 0 | 5 | 0 |
| AA Insurance | 4 | 4 | 100% | 12 | 0 | 6 | 0 |
| State | 4 | 4 | 100% | 11 | 0 | 8 | 0 |
| MAS | 2 | 4 | 50% | 2 | 0 | 1 | 0 |
| FMG | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 3 | 4 | 75% | 6 | 0 | 3 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 2 | 4 | 50% | 8 | 0 | 5 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Family with children

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 14 | 0 | 3 | 0 |
| AMI | 3 | 3 | 100% | 13 | 0 | 4 | 0 |
| AA Insurance | 3 | 3 | 100% | 11 | 0 | 5 | 0 |
| State | 3 | 3 | 100% | 9 | 0 | 2 | 0 |
| MAS | 2 | 3 | 67% | 6 | 0 | 5 | 0 |
| FMG | 1 | 3 | 33% | 4 | 0 | 1 | 0 |
| Initio | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Rural home

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 4 | 75% | 5 | 1 | 4 | 0 |
| AMI | 4 | 4 | 100% | 6 | 0 | 5 | 0 |
| AA Insurance | 3 | 4 | 75% | 2 | 1 | 4 | 1 |
| State | 3 | 4 | 75% | 1 | 1 | 5 | 1 |
| MAS | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| FMG | 4 | 4 | 100% | 9 | 0 | 4 | 0 |
| Initio | 1 | 4 | 25% | 2 | 0 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 2 | 4 | 50% | 4 | 0 | 2 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Flood exposure

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 5 | 1 | 5 | 1 |
| AMI | 4 | 4 | 100% | 4 | 1 | 4 | 0 |
| AA Insurance | 4 | 4 | 100% | 6 | 0 | 5 | 1 |
| State | 4 | 4 | 100% | 4 | 1 | 3 | 0 |
| MAS | 2 | 4 | 50% | 1 | 0 | 1 | 0 |
| FMG | 3 | 4 | 75% | 2 | 0 | 1 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 0 | 1 | 1 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## High-value home and belongings

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 3 | 0 | 3 | 3 |
| AMI | 1 | 4 | 25% | 0 | 1 | 0 | 1 |
| AA Insurance | 3 | 4 | 75% | 2 | 1 | 0 | 3 |
| State | 2 | 4 | 50% | 0 | 1 | 0 | 3 |
| MAS | 2 | 4 | 50% | 4 | 0 | 1 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 3 | 4 | 75% | 11 | 0 | 1 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 0 | 0 | 0 | 2 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 3 | 4 | 75% | 8 | 0 | 1 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## After a difficult claim

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 8 | 0 | 3 | 0 |
| AMI | 2 | 4 | 50% | 3 | 0 | 2 | 0 |
| AA Insurance | 4 | 4 | 100% | 8 | 0 | 2 | 0 |
| State | 2 | 4 | 50% | 3 | 0 | 4 | 0 |
| MAS | 3 | 4 | 75% | 10 | 1 | 1 | 0 |
| FMG | 3 | 4 | 75% | 8 | 0 | 0 | 0 |
| Initio | 1 | 4 | 25% | 0 | 0 | 2 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Someone to call

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 0 | 1 | 6 | 0 |
| AMI | 3 | 4 | 75% | 6 | 0 | 3 | 0 |
| AA Insurance | 4 | 4 | 100% | 6 | 0 | 8 | 0 |
| State | 4 | 4 | 100% | 2 | 0 | 8 | 0 |
| MAS | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| FMG | 1 | 4 | 25% | 2 | 0 | 1 | 0 |
| Initio | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 4 | 25% | 0 | 0 | 2 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Managing insurance online

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 4 | 75% | 19 | 1 | 12 | 0 |
| AMI | 4 | 4 | 100% | 18 | 0 | 11 | 0 |
| AA Insurance | 3 | 4 | 75% | 9 | 3 | 9 | 0 |
| State | 4 | 4 | 100% | 16 | 0 | 12 | 0 |
| MAS | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 1 | 4 | 25% | 0 | 1 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Cove | 2 | 4 | 50% | 5 | 1 | 5 | 0 |
| Vero | 0 | 4 | 0% | 2 | 0 | 15 | 0 |
| ANZ Insurance | 3 | 4 | 75% | 2 | 0 | 10 | 1 |
| Westpac Insurance | 2 | 4 | 50% | 2 | 0 | 6 | 1 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 0 | 0 | 2 | 1 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 1 | 1 |

## After purchase, the answers focus on the policy and the claim.

The seventy-one support answers cover renewal, moving home, water and fire damage, replacement value, reopening a flood claim and getting help with a dispute.

They explain what to check, what evidence to gather and how to ask the existing insurer for help. None prefers a named insurer to provide ongoing support. Insurers mentioned as policy examples or future renewal options are kept separate from recommendations about an existing claim.

### Our renewal is up sharply. What should we check before cutting the sum insured? · ChatGPT

If your insurance renewal has jumped sharply, the key is to check whether the premium is rising because the insurer's price has changed, the risk has been reassessed, or the sum insured is no longer appropriate before reducing your cover.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/bbdadf1a-db2d-4c32-badf-419d7528e0f0.json)

### How can I challenge a dispute about replacement value or proof of ownership? · ChatGPT

In New Zealand, you can challenge a dispute over replacement value or proof of ownership by asking the insurer, claims handler, or other party to explain their decision in writing, providing evidence to support your position, and escalating the complaint if they refuse to reconsider.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/f9fdd463-18ab-4761-b8e6-7b824887b693.json)

### My house has water damage and the insurer keeps emailing forms I struggle to use. Can I ask for someone to help me make the claim? · ChatGPT

Yes — you can absolutely ask your insurer for help making your water-damage claim in New Zealand. You do not have to struggle through online forms on your own.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/8da38852-c159-4aab-8dea-335240bf6804.json)

### After a house fire we need to replace our kids' clothes and school gear straight away. Can we buy essentials before the contents claim is finished? · ChatGPT

I’m sorry your family is going through this. Having to replace the kids’ clothes, school uniforms and school gear after a house fire is stressful enough without waiting for an insurance claim to be finalised.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4b87567b-f224-4561-a579-ee07ceedb6ec.json)

## Platforms

| Platform | Answers recommending Trade Me Insurance | Collected answers |
| --- | --- | --- |
| ChatGPT | 8 | 22 |
| Gemini | 6 | 22 |
| AI Overviews | 4 | 22 |
| Google AI Mode | 3 | 22 |

## Home insurance by region

## Northland

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 0 | 6 | 1 |
| AMI | 4 | 4 | 100% | 6 | 0 | 7 | 1 |
| AA Insurance | 4 | 4 | 100% | 7 | 0 | 3 | 1 |
| State | 4 | 4 | 100% | 5 | 0 | 5 | 0 |
| MAS | 4 | 4 | 100% | 5 | 0 | 2 | 0 |
| FMG | 3 | 4 | 75% | 6 | 0 | 2 | 0 |
| Initio | 4 | 4 | 100% | 5 | 0 | 4 | 1 |
| Trade Me Insurance | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| NZI | 2 | 4 | 50% | 0 | 0 | 2 | 1 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 2 | 4 | 50% | 0 | 0 | 3 | 1 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Auckland

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 0 | 6 | 0 |
| AMI | 4 | 4 | 100% | 5 | 1 | 7 | 0 |
| AA Insurance | 4 | 4 | 100% | 7 | 0 | 5 | 0 |
| State | 4 | 4 | 100% | 3 | 1 | 7 | 0 |
| MAS | 2 | 4 | 50% | 3 | 0 | 5 | 0 |
| FMG | 2 | 4 | 50% | 2 | 0 | 3 | 0 |
| Initio | 2 | 4 | 50% | 3 | 0 | 2 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 2 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Cove | 1 | 4 | 25% | 1 | 0 | 3 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 2 | 4 | 50% | 0 | 0 | 1 | 0 |
| Westpac Insurance | 2 | 4 | 50% | 0 | 0 | 1 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 2 | 4 | 50% | 0 | 0 | 1 | 0 |
| BNZ Insurance | 2 | 4 | 50% | 0 | 0 | 1 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Waikato

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 0 | 3 | 4 |
| AMI | 4 | 4 | 100% | 7 | 0 | 5 | 2 |
| AA Insurance | 4 | 4 | 100% | 8 | 0 | 2 | 2 |
| State | 4 | 4 | 100% | 6 | 0 | 3 | 0 |
| MAS | 3 | 4 | 75% | 9 | 0 | 0 | 0 |
| FMG | 4 | 4 | 100% | 6 | 0 | 0 | 0 |
| Initio | 4 | 4 | 100% | 6 | 0 | 2 | 1 |
| Trade Me Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Bay of Plenty

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 0 | 8 | 0 |
| AMI | 4 | 4 | 100% | 7 | 0 | 8 | 0 |
| AA Insurance | 3 | 4 | 75% | 5 | 0 | 6 | 0 |
| State | 3 | 4 | 75% | 5 | 0 | 8 | 0 |
| MAS | 3 | 4 | 75% | 5 | 0 | 7 | 0 |
| FMG | 1 | 4 | 25% | 3 | 0 | 0 | 0 |
| Initio | 3 | 4 | 75% | 4 | 0 | 5 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| BNZ Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Gisborne

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 5 | 0 | 4 | 0 |
| AMI | 4 | 4 | 100% | 5 | 0 | 7 | 0 |
| AA Insurance | 4 | 4 | 100% | 4 | 1 | 4 | 0 |
| State | 4 | 4 | 100% | 2 | 0 | 6 | 0 |
| MAS | 2 | 4 | 50% | 3 | 0 | 2 | 0 |
| FMG | 2 | 4 | 50% | 2 | 0 | 1 | 0 |
| Initio | 2 | 4 | 50% | 2 | 0 | 1 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 0 | 0 | 2 | 0 |
| NZI | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Hawke’s Bay

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 7 | 0 | 6 | 0 |
| AMI | 4 | 4 | 100% | 7 | 0 | 6 | 0 |
| AA Insurance | 4 | 4 | 100% | 7 | 0 | 1 | 0 |
| State | 4 | 4 | 100% | 5 | 0 | 5 | 0 |
| MAS | 3 | 4 | 75% | 4 | 0 | 4 | 2 |
| FMG | 2 | 4 | 50% | 4 | 0 | 1 | 0 |
| Initio | 3 | 4 | 75% | 5 | 0 | 2 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 1 | 0 | 2 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 2 | 0 | 1 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Taranaki

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 5 | 0 | 3 | 0 |
| AMI | 4 | 4 | 100% | 7 | 0 | 4 | 0 |
| AA Insurance | 4 | 4 | 100% | 7 | 0 | 3 | 0 |
| State | 4 | 4 | 100% | 6 | 0 | 3 | 0 |
| MAS | 3 | 4 | 75% | 4 | 0 | 0 | 0 |
| FMG | 2 | 4 | 50% | 4 | 0 | 0 | 0 |
| Initio | 3 | 4 | 75% | 3 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Manawatū–Whanganui

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 0 | 4 | 0 |
| AMI | 4 | 4 | 100% | 8 | 0 | 4 | 0 |
| AA Insurance | 3 | 4 | 75% | 8 | 0 | 0 | 0 |
| State | 4 | 4 | 100% | 8 | 0 | 3 | 0 |
| MAS | 4 | 4 | 100% | 7 | 0 | 3 | 0 |
| FMG | 3 | 4 | 75% | 6 | 0 | 0 | 0 |
| Initio | 3 | 4 | 75% | 5 | 0 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Wellington

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 1 | 3 | 0 |
| AMI | 4 | 4 | 100% | 7 | 0 | 1 | 0 |
| AA Insurance | 4 | 4 | 100% | 9 | 0 | 1 | 0 |
| State | 4 | 4 | 100% | 7 | 0 | 1 | 0 |
| MAS | 3 | 4 | 75% | 6 | 0 | 3 | 0 |
| FMG | 1 | 4 | 25% | 1 | 0 | 1 | 0 |
| Initio | 3 | 4 | 75% | 4 | 0 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 0 | 0 | 0 | 0 |
| AMP | 2 | 4 | 50% | 4 | 0 | 1 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Tasman

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 7 | 0 | 6 | 0 |
| AMI | 4 | 4 | 100% | 7 | 0 | 7 | 0 |
| AA Insurance | 4 | 4 | 100% | 5 | 0 | 2 | 1 |
| State | 4 | 4 | 100% | 5 | 0 | 3 | 0 |
| MAS | 4 | 4 | 100% | 3 | 1 | 4 | 1 |
| FMG | 3 | 4 | 75% | 6 | 0 | 1 | 0 |
| Initio | 3 | 4 | 75% | 4 | 0 | 4 | 0 |
| Trade Me Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| NZI | 1 | 4 | 25% | 0 | 0 | 2 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 1 | 4 | 25% | 1 | 0 | 2 | 0 |
| Vero | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Nelson

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 0 | 7 | 0 |
| AMI | 4 | 4 | 100% | 6 | 0 | 8 | 0 |
| AA Insurance | 4 | 4 | 100% | 8 | 0 | 3 | 0 |
| State | 4 | 4 | 100% | 3 | 0 | 3 | 0 |
| MAS | 4 | 4 | 100% | 8 | 1 | 2 | 0 |
| FMG | 3 | 4 | 75% | 5 | 0 | 3 | 0 |
| Initio | 2 | 4 | 50% | 3 | 0 | 0 | 0 |
| Trade Me Insurance | 2 | 4 | 50% | 0 | 0 | 2 | 0 |
| NZI | 2 | 4 | 50% | 0 | 0 | 2 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Marlborough

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 7 | 0 | 2 | 1 |
| AMI | 4 | 4 | 100% | 9 | 0 | 0 | 0 |
| AA Insurance | 4 | 4 | 100% | 8 | 0 | 1 | 1 |
| State | 4 | 4 | 100% | 7 | 0 | 1 | 0 |
| MAS | 4 | 4 | 100% | 5 | 1 | 3 | 0 |
| FMG | 4 | 4 | 100% | 8 | 0 | 1 | 0 |
| Initio | 3 | 4 | 75% | 2 | 1 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 2 | 4 | 50% | 0 | 0 | 2 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## West Coast

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 4 | 0 | 5 | 0 |
| AMI | 4 | 4 | 100% | 4 | 1 | 3 | 0 |
| AA Insurance | 2 | 4 | 50% | 1 | 1 | 1 | 0 |
| State | 3 | 4 | 75% | 3 | 1 | 1 | 0 |
| MAS | 2 | 4 | 50% | 2 | 1 | 1 | 0 |
| FMG | 4 | 4 | 100% | 8 | 0 | 2 | 0 |
| Initio | 4 | 4 | 100% | 5 | 0 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Canterbury

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 7 | 1 | 1 | 0 |
| AMI | 4 | 4 | 100% | 5 | 1 | 3 | 0 |
| AA Insurance | 4 | 4 | 100% | 8 | 0 | 0 | 0 |
| State | 4 | 4 | 100% | 5 | 1 | 1 | 0 |
| MAS | 4 | 4 | 100% | 8 | 1 | 1 | 0 |
| FMG | 3 | 4 | 75% | 3 | 0 | 2 | 0 |
| Initio | 3 | 4 | 75% | 4 | 0 | 1 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 2 | 4 | 50% | 1 | 0 | 2 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 2 | 0 | 2 | 0 |
| ANZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Ando | 1 | 4 | 25% | 2 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Otago

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 6 | 0 | 8 | 0 |
| AMI | 4 | 4 | 100% | 6 | 0 | 6 | 0 |
| AA Insurance | 4 | 4 | 100% | 6 | 0 | 3 | 0 |
| State | 4 | 4 | 100% | 5 | 0 | 4 | 0 |
| MAS | 2 | 4 | 50% | 4 | 0 | 3 | 0 |
| FMG | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Initio | 3 | 4 | 75% | 2 | 0 | 5 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 0 | 0 | 3 | 0 |
| AMP | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 4 | 0% | 0 | 0 | 2 | 0 |
| ANZ Insurance | 2 | 4 | 50% | 0 | 0 | 4 | 0 |
| Westpac Insurance | 2 | 4 | 50% | 0 | 0 | 4 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 2 | 4 | 50% | 0 | 0 | 4 | 0 |
| BNZ Insurance | 2 | 4 | 50% | 0 | 0 | 4 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Southland

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 4 | 4 | 100% | 4 | 0 | 5 | 0 |
| AMI | 4 | 4 | 100% | 4 | 0 | 4 | 0 |
| AA Insurance | 4 | 4 | 100% | 7 | 0 | 2 | 0 |
| State | 3 | 4 | 75% | 3 | 0 | 2 | 0 |
| MAS | 4 | 4 | 100% | 3 | 1 | 3 | 0 |
| FMG | 3 | 4 | 75% | 6 | 0 | 1 | 0 |
| Initio | 3 | 4 | 75% | 6 | 0 | 0 | 0 |
| Trade Me Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| NZI | 1 | 4 | 25% | 0 | 0 | 2 | 0 |
| AMP | 1 | 4 | 25% | 1 | 0 | 0 | 0 |
| Cove | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 4 | 25% | 0 | 0 | 4 | 0 |
| ANZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Westpac Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Chubb | 0 | 4 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| BNZ Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Ando | 0 | 4 | 0% | 0 | 0 | 1 | 0 |
| SBS Insurance | 1 | 4 | 25% | 0 | 0 | 1 | 0 |
| Kiwibank Insurance | 0 | 4 | 0% | 0 | 0 | 0 | 0 |

## Contents insurance by region

## Northland

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 4 | 0 | 3 | 0 |
| AMI | 3 | 3 | 100% | 4 | 0 | 2 | 0 |
| AA Insurance | 3 | 3 | 100% | 5 | 0 | 1 | 0 |
| State | 3 | 3 | 100% | 3 | 0 | 1 | 0 |
| MAS | 2 | 3 | 67% | 2 | 0 | 1 | 0 |
| FMG | 3 | 3 | 100% | 7 | 0 | 0 | 0 |
| Initio | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| NZI | 1 | 3 | 33% | 2 | 0 | 0 | 0 |
| AMP | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Cove | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Westpac Insurance | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 1 | 3 | 33% | 1 | 0 | 0 | 0 |

## Auckland

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 4 | 1 | 4 | 0 |
| AMI | 3 | 3 | 100% | 5 | 0 | 1 | 1 |
| AA Insurance | 3 | 3 | 100% | 5 | 1 | 2 | 0 |
| State | 3 | 3 | 100% | 5 | 0 | 1 | 1 |
| MAS | 1 | 3 | 33% | 5 | 1 | 0 | 0 |
| FMG | 1 | 3 | 33% | 6 | 1 | 0 | 0 |
| Initio | 1 | 3 | 33% | 2 | 1 | 0 | 0 |
| Trade Me Insurance | 2 | 3 | 67% | 3 | 1 | 0 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Cove | 1 | 3 | 33% | 1 | 0 | 1 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Waikato

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 4 | 1 | 4 | 0 |
| AMI | 3 | 3 | 100% | 5 | 0 | 4 | 0 |
| AA Insurance | 3 | 3 | 100% | 5 | 0 | 3 | 0 |
| State | 3 | 3 | 100% | 4 | 1 | 4 | 0 |
| MAS | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| FMG | 2 | 3 | 67% | 2 | 0 | 2 | 0 |
| Initio | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 2 | 3 | 67% | 2 | 0 | 2 | 0 |
| Cove | 1 | 3 | 33% | 1 | 0 | 2 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Bay of Plenty

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 3 | 0 | 5 | 0 |
| AMI | 3 | 3 | 100% | 3 | 0 | 4 | 0 |
| AA Insurance | 3 | 3 | 100% | 3 | 0 | 5 | 0 |
| State | 3 | 3 | 100% | 2 | 0 | 4 | 0 |
| MAS | 1 | 3 | 33% | 3 | 0 | 0 | 0 |
| FMG | 1 | 3 | 33% | 3 | 0 | 0 | 0 |
| Initio | 1 | 3 | 33% | 1 | 0 | 2 | 0 |
| Trade Me Insurance | 2 | 3 | 67% | 1 | 0 | 3 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Cove | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Gisborne

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 7 | 0 | 1 | 0 |
| AMI | 3 | 3 | 100% | 8 | 0 | 0 | 0 |
| AA Insurance | 3 | 3 | 100% | 7 | 0 | 0 | 0 |
| State | 3 | 3 | 100% | 7 | 0 | 0 | 0 |
| MAS | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| FMG | 3 | 3 | 100% | 5 | 0 | 0 | 0 |
| Initio | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| NZI | 2 | 3 | 67% | 1 | 0 | 1 | 0 |
| AMP | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Vero | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Hawke’s Bay

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 5 | 1 | 4 | 0 |
| AMI | 3 | 3 | 100% | 7 | 0 | 2 | 0 |
| AA Insurance | 3 | 3 | 100% | 7 | 0 | 2 | 0 |
| State | 3 | 3 | 100% | 4 | 0 | 2 | 0 |
| MAS | 1 | 3 | 33% | 2 | 0 | 1 | 0 |
| FMG | 3 | 3 | 100% | 8 | 0 | 1 | 0 |
| Initio | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Trade Me Insurance | 2 | 3 | 67% | 2 | 0 | 2 | 0 |
| NZI | 2 | 3 | 67% | 2 | 0 | 1 | 0 |
| AMP | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Cove | 1 | 3 | 33% | 4 | 0 | 1 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Taranaki

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 5 | 0 | 1 | 0 |
| AMI | 3 | 3 | 100% | 6 | 0 | 1 | 0 |
| AA Insurance | 3 | 3 | 100% | 5 | 0 | 1 | 0 |
| State | 3 | 3 | 100% | 5 | 0 | 0 | 0 |
| MAS | 2 | 3 | 67% | 3 | 0 | 2 | 0 |
| FMG | 2 | 3 | 67% | 4 | 0 | 1 | 0 |
| Initio | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| NZI | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| AMP | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Cove | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Vero | 2 | 3 | 67% | 2 | 0 | 2 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Manawatū–Whanganui

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 7 | 0 | 4 | 0 |
| AMI | 2 | 3 | 67% | 3 | 0 | 4 | 0 |
| AA Insurance | 3 | 3 | 100% | 7 | 0 | 2 | 0 |
| State | 3 | 3 | 100% | 6 | 0 | 2 | 0 |
| MAS | 3 | 3 | 100% | 6 | 0 | 3 | 0 |
| FMG | 3 | 3 | 100% | 9 | 0 | 1 | 0 |
| Initio | 2 | 3 | 67% | 2 | 0 | 1 | 0 |
| Trade Me Insurance | 3 | 3 | 100% | 2 | 0 | 3 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Wellington

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 8 | 0 | 3 | 0 |
| AMI | 3 | 3 | 100% | 5 | 0 | 2 | 0 |
| AA Insurance | 3 | 3 | 100% | 7 | 0 | 1 | 0 |
| State | 3 | 3 | 100% | 6 | 0 | 1 | 0 |
| MAS | 2 | 3 | 67% | 3 | 1 | 3 | 0 |
| FMG | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Initio | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 3 | 33% | 1 | 0 | 1 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Cove | 1 | 3 | 33% | 1 | 0 | 1 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Tasman

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 5 | 0 | 7 | 0 |
| AMI | 3 | 3 | 100% | 5 | 0 | 6 | 0 |
| AA Insurance | 3 | 3 | 100% | 3 | 0 | 6 | 0 |
| State | 3 | 3 | 100% | 4 | 0 | 5 | 0 |
| MAS | 1 | 3 | 33% | 1 | 0 | 1 | 0 |
| FMG | 3 | 3 | 100% | 7 | 0 | 3 | 0 |
| Initio | 2 | 3 | 67% | 2 | 0 | 3 | 0 |
| Trade Me Insurance | 2 | 3 | 67% | 2 | 0 | 3 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Cove | 1 | 3 | 33% | 1 | 0 | 2 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Nelson

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 4 | 0 | 5 | 0 |
| AMI | 3 | 3 | 100% | 5 | 0 | 2 | 0 |
| AA Insurance | 3 | 3 | 100% | 6 | 0 | 2 | 0 |
| State | 3 | 3 | 100% | 5 | 0 | 3 | 0 |
| MAS | 1 | 3 | 33% | 2 | 0 | 0 | 0 |
| FMG | 2 | 3 | 67% | 3 | 0 | 1 | 0 |
| Initio | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 2 | 3 | 67% | 3 | 0 | 2 | 0 |
| NZI | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| AMP | 1 | 3 | 33% | 2 | 0 | 0 | 0 |
| Cove | 1 | 3 | 33% | 2 | 0 | 1 | 0 |
| Vero | 1 | 3 | 33% | 1 | 0 | 2 | 0 |
| ANZ Insurance | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| Westpac Insurance | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| BNZ Insurance | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Marlborough

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 6 | 0 | 3 | 0 |
| AMI | 3 | 3 | 100% | 8 | 0 | 2 | 0 |
| AA Insurance | 3 | 3 | 100% | 5 | 0 | 1 | 0 |
| State | 3 | 3 | 100% | 7 | 0 | 1 | 0 |
| MAS | 2 | 3 | 67% | 4 | 0 | 1 | 0 |
| FMG | 2 | 3 | 67% | 5 | 0 | 1 | 0 |
| Initio | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Cove | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## West Coast

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 5 | 0 | 4 | 0 |
| AMI | 3 | 3 | 100% | 5 | 0 | 6 | 0 |
| AA Insurance | 3 | 3 | 100% | 3 | 0 | 3 | 0 |
| State | 3 | 3 | 100% | 4 | 0 | 4 | 0 |
| MAS | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| FMG | 3 | 3 | 100% | 4 | 0 | 3 | 0 |
| Initio | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Cove | 1 | 3 | 33% | 1 | 0 | 2 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Canterbury

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 10 | 0 | 1 | 0 |
| AMI | 3 | 3 | 100% | 7 | 0 | 5 | 0 |
| AA Insurance | 2 | 3 | 67% | 5 | 0 | 2 | 0 |
| State | 3 | 3 | 100% | 7 | 0 | 2 | 0 |
| MAS | 3 | 3 | 100% | 6 | 0 | 2 | 0 |
| FMG | 3 | 3 | 100% | 6 | 0 | 2 | 0 |
| Initio | 2 | 3 | 67% | 3 | 0 | 2 | 0 |
| Trade Me Insurance | 1 | 3 | 33% | 0 | 0 | 2 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 1 | 3 | 33% | 0 | 0 | 2 | 0 |
| Cove | 1 | 3 | 33% | 3 | 0 | 0 | 0 |
| Vero | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Otago

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 5 | 0 | 2 | 0 |
| AMI | 3 | 3 | 100% | 4 | 0 | 0 | 0 |
| AA Insurance | 3 | 3 | 100% | 6 | 0 | 0 | 0 |
| State | 3 | 3 | 100% | 4 | 0 | 1 | 0 |
| MAS | 2 | 3 | 67% | 6 | 0 | 1 | 0 |
| FMG | 3 | 3 | 100% | 6 | 0 | 1 | 0 |
| Initio | 1 | 3 | 33% | 1 | 0 | 0 | 0 |
| Trade Me Insurance | 1 | 3 | 33% | 3 | 0 | 0 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 1 | 0 |
| AMP | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Cove | 1 | 3 | 33% | 2 | 0 | 0 | 0 |
| Vero | 1 | 3 | 33% | 2 | 0 | 1 | 0 |
| ANZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| SBS Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Southland

| Insurer | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tower | 3 | 3 | 100% | 3 | 0 | 4 | 0 |
| AMI | 2 | 3 | 67% | 2 | 0 | 5 | 0 |
| AA Insurance | 2 | 3 | 67% | 2 | 0 | 4 | 0 |
| State | 3 | 3 | 100% | 4 | 0 | 4 | 0 |
| MAS | 2 | 3 | 67% | 3 | 0 | 4 | 0 |
| FMG | 3 | 3 | 100% | 2 | 0 | 5 | 0 |
| Initio | 1 | 3 | 33% | 0 | 0 | 3 | 0 |
| Trade Me Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| NZI | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| AMP | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Cove | 1 | 3 | 33% | 1 | 0 | 4 | 0 |
| Vero | 0 | 3 | 0% | 1 | 0 | 1 | 0 |
| ANZ Insurance | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| Westpac Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Chubb | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| ASB Insurance | 1 | 3 | 33% | 0 | 0 | 1 | 0 |
| BNZ Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |
| Ando | 0 | 3 | 0% | 1 | 0 | 0 | 0 |
| SBS Insurance | 2 | 3 | 67% | 3 | 0 | 0 | 0 |
| Kiwibank Insurance | 0 | 3 | 0% | 0 | 0 | 0 | 0 |

## Regions

[Northland](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/northland)

[Auckland](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/auckland)

[Waikato](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/waikato)

[Bay of Plenty](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/bay-of-plenty)

[Gisborne](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/gisborne)

[Hawke’s Bay](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/hawke-s-bay)

[Taranaki](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/taranaki)

[Manawatū–Whanganui](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/manawatu-whanganui)

[Wellington](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/wellington)

[Tasman](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/tasman)

[Nelson](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/nelson)

[Marlborough](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/marlborough)

[West Coast](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/west-coast)

[Canterbury](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/canterbury)

[Otago](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/otago)

[Southland](https://nzbrands.ai/research/insurance/home-contents-insurance/regions/southland)

## Consumer profiles

[Everyday household](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p01): We own an ordinary family home and have everyday belongings.

[First home and first cover](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p02): We are buying our first house and arranging home and contents insurance for the first time.

[Tight budget](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p03): Our household budget is tight and insurance costs are rising.

[Renting and moving](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p04): We are moving home and need to arrange or update our cover.

[Younger household](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p05): We are buying our first place or insuring our belongings after moving out.

[Family with children](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p06): We have children, a mortgage and family belongings to protect.

[Rural home](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p07): We live on a rural block, with belongings in the house and shed.

[Flood exposure](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p08): Our home has flooded before and we are worried about the next event.

[High-value home and belongings](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p09): We have an unusual, high-value home and valuable jewellery or art.

[After a difficult claim](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p10): Our previous insurance claim was difficult and we want better support.

[Someone to call](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p11): We prefer talking to a person rather than using an app.

[Managing insurance online](https://nzbrands.ai/research/insurance/home-contents-insurance/consumers/p12): We want to buy and manage insurance online, including making a claim.

## Sources

## ChatGPT

| Website | Answers with this website recorded |
| --- | --- |
| consumer.org.nz | 258 |
| icnz.org.nz | 186 |
| nzi.co.nz | 164 |
| consumerprotection.govt.nz | 160 |
| naturalhazards.govt.nz | 155 |
| mas.co.nz | 144 |
| aainsurance.co.nz | 116 |
| ami.co.nz | 102 |
| tower.co.nz | 91 |
| state.co.nz | 90 |

## Gemini

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 113 |
| quotehub.co.nz | 79 |
| aainsurance.co.nz | 66 |
| tower.co.nz | 65 |
| ami.co.nz | 50 |
| canstar.co.nz | 48 |
| quashed.co.nz | 36 |
| icnz.org.nz | 31 |
| amp.co.nz | 30 |
| state.co.nz | 28 |

## Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 86 |
| consumer.org.nz | 80 |
| aainsurance.co.nz | 70 |
| icnz.org.nz | 58 |
| state.co.nz | 50 |
| naturalhazards.govt.nz | 49 |
| quashed.co.nz | 47 |
| quotehub.co.nz | 47 |
| tower.co.nz | 45 |
| canstar.co.nz | 43 |

## AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| insurspy.co.nz | 158 |
| tower.co.nz | 140 |
| moneyhub.co.nz | 139 |
| aainsurance.co.nz | 134 |
| ami.co.nz | 106 |
| state.co.nz | 101 |
| consumer.org.nz | 98 |
| quashed.co.nz | 97 |
| quotehub.co.nz | 97 |
| initio.co.nz | 95 |

## Accuracy

### Natural hazards · Google AI Mode

Verdict: wrong.

What the answer said: When looking for sensible, straightforward contents cover for everyday family belongings in New Zealand, several mainstream insurers consistently feature in market overviews and consumer satisfaction awards. Most standard policies cover fire, theft, accidental damage, and natural disaster (via the Natural Hazards Commission Toka Tū Ake, formerly EQC).

What the primary source says: NHC stopped contents cover; private policies insure possessions.

[NHC: Quake Safe Your Home, 2025](https://www.naturalhazards.govt.nz/assets/Be-Prepared/Quake-Safe-Your-Home-/QuakeSafeYourHome_2025.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0f267acb-2a4e-4857-92f7-00daf4214d0c.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: Earthquake and natural hazard situations Contents insurance is separate from the natural hazards cover that applies mainly to residential buildings and certain land. Make sure you understand what your contents policy itself covers after an earthquake, and what happens with damaged belongings, temporary accommodation, or related costs. Natural Hazards

What the primary source says: NHC stopped contents cover; private policies insure possessions.

[NHC: Quake Safe Your Home, 2025](https://www.naturalhazards.govt.nz/assets/Be-Prepared/Quake-Safe-Your-Home-/QuakeSafeYourHome_2025.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/160954c6-6e6e-42a8-97e1-2838e57c9f12.json)

### Natural hazards · Gemini

Verdict: correct.

What the answer said: No Government Contents Safety Net: The government-backed Natural Hazards Commission (NHC, formerly EQC) does not cover contents. It only covers residential buildings (up to a cap) and residential land. This means your private contents policy is your only protection for your belongings against natural disasters like floods, storms, and earthquakes. Flood and Storm Exclusions / Sub-limits: Following major weather events, insurers scrutinize geographical locations closely. Check your policy wording carefully for any specific flood exclusions, or whether certain low-lying areas or properties near rivers carry higher excesses or restricted terms for water damage. Accurate Sum Insured (Underinsurance Risk): The cost of replacing household goods, electronics, clothing, and furniture has risen sharply. Ensure your contents sum insured reflects the actual current cost to replace everything brand new (unless you have specified an agreed value or indemnity policy). Underestimating your contents can result in a proportional payout reduction (the "average" clause). Temporary Accommodation Benefits: If a severe weather event, flood, or earthquake makes your home uninhabitable, your landlord isn't legally required to pay for your alternative lodging. Check if your contents policy includes temporary accommodation cover as an automatic benefit or optional extra, and verify how long or up to what dollar limit it pays out. High-Risk Suburbs and Premiums: Hawke's Bay carries higher risk profiling for both seismic activity and extreme weather. Expect higher premiums or differential earthquake/flood excesses compared to lower-risk regions, and verify these excess amounts before signing up. Specified Items for Valuables: Standard contents policies often have single-item limits (e.g., maximum payouts for jewelry, art, high-end electronics, or bikes). If you own high-value items worth more than the standard policy limit, you must list them as specified items on your schedule.

What the primary source says: NHC stopped contents cover; private policies insure possessions.

[NHC: Quake Safe Your Home, 2025](https://www.naturalhazards.govt.nz/assets/Be-Prepared/Quake-Safe-Your-Home-/QuakeSafeYourHome_2025.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/160954c6-6e6e-42a8-97e1-2838e57c9f12.json)

### Natural hazards · AI Overviews

Verdict: correct.

What the answer said: No Government Natural Hazards Cover for Contents: While the government's scheme through the Natural Hazards Commission Toka Tū Ake (NHCover) provides built-in natural disaster coverage for residential buildings and some land, contents are excluded from NHC building/land caps. Your contents protection against natural disasters like floods, storms, or earthquakes relies completely on your private insurance policy terms.

What the primary source says: NHC stopped contents cover; private policies insure possessions.

[NHC: Quake Safe Your Home, 2025](https://www.naturalhazards.govt.nz/assets/Be-Prepared/Quake-Safe-Your-Home-/QuakeSafeYourHome_2025.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/160954c6-6e6e-42a8-97e1-2838e57c9f12.json)

### Natural hazards · Google AI Mode

Verdict: correct.

What the answer said: Flood Cover and Exclusions: Unlike structural damage where the government’s Natural Hazards Commission Toka Tū Ake (NHCover) steps in for certain natural disasters, NHCover does not cover contents. Flood and storm damage to your belongings relies entirely on your private contents policy. Given Hawke's Bay’s exposure to heavy rainfall and flooding, carefully check whether your policy fully covers flood damage, or if it carries high specific flood excesses, sub-limits, or outright exclusions based on your precise location or proximity to waterways/low-lying areas.

What the primary source says: NHC stopped contents cover; private policies insure possessions.

[NHC: Quake Safe Your Home, 2025](https://www.naturalhazards.govt.nz/assets/Be-Prepared/Quake-Safe-Your-Home-/QuakeSafeYourHome_2025.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/160954c6-6e6e-42a8-97e1-2838e57c9f12.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: For eligible residential building damage, NHCover generally provides up to $300,000 plus GST per home, with private insurance covering eligible losses above that amount, subject to the policy terms and limits. Some land damage is also covered, but the protection is limited. 【turn1search0】

What the primary source says: Building cap: $300,000 plus GST per eligible home.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0f284c5a-4e94-4f4a-a303-14f7bac3c03a.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: New Zealand's Natural Hazards Commission Toka Tū Ake provides NHCover for eligible damage from events such as earthquakes, landslides, volcanic activity, tsunamis and certain other natural hazards. It generally applies when your home has a qualifying fire insurance policy. … Before changing your policy, check that you understand: Whether your policy includes fire cover and maintains eligibility for NHCover. How your private insurer covers eligible damage above the NHCover limit. Whether your policy covers additional costs associated with rebuilding. What applies to retaining walls, driveways, accessways and other structures on your property.

What the primary source says: Qualifying private fire insurance generally activates NHCover.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0f284c5a-4e94-4f4a-a303-14f7bac3c03a.json)

### Natural hazards · Gemini

Verdict: correct.

What the answer said: 7. Land and Natural Disaster Limits (NHC vs. Reality) The Gap: Many lifestyle block owners assume EQC/NHC covers their whole property. In reality, public land cover only applies to the land under the home and within 8 metres of it, plus up to 60 metres along your main access driveway. What you need: If a major storm or slip takes out a paddock, a hillside, or a long rural driveway past that 60-metre mark, standard public land cover won't apply. You need to check your private policy for earthslip, erosion, and driveway restoration terms.

What the primary source says: Eligible land: under/within 8m of insured buildings, inside applicable boundaries.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/05e22196-6a6b-4c63-8cdb-f41f25a93932.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: Driveway: The land beneath your main accessway (for example, the ground supporting your driveway) can have limited natural hazards cover if it is within the relevant area, including up to 60 metres from the home. However, the driveway surface itself (such as asphalt, concrete, paving, or other artificial surfaces) is generally not covered by natural hazards cover, although your private house policy may cover some driveway damage. Natural Hazards Commission

What the primary source says: Eligible main-access supporting land extends 60m, within statutory boundaries.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35777e68-d778-406d-a17e-75e05ba5acff.json)

### Natural hazards · Gemini

Verdict: correct.

What the answer said: 2. The Long Driveway Because a driveway is typically long, how a landslip affects it changes the rules: The Land Beneath: The NHC covers the actual land supporting your main accessway (driveway) up to 60 metres from your home. If a slip washes away the earth supporting the driveway, the NHC covers that foundational land damage (subject to land cap formulas). The Surface (Concrete/Asphalt): The NHC does not cover artificial driveway surfaces like concrete, asphalt, or paving. Where your private insurer steps in: Standard private house insurance policies generally pick up where the NHC leaves off, providing cover to repair or replace the actual driveway surface (the concrete or asphalt) damaged by a landslip.

What the primary source says: Eligible main-access supporting land extends 60m, within statutory boundaries.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35777e68-d778-406d-a17e-75e05ba5acff.json)

### Natural hazards · AI Overviews

Verdict: correct.

What the answer said: The Ground Underneath: The NHC covers the land supporting your main accessway, but only up to 60 metres from your house. If your driveway is longer than 60 metres, any landslip damage past that mark is entirely your financial responsibility.

What the primary source says: Eligible main-access supporting land extends 60m, within statutory boundaries.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35777e68-d778-406d-a17e-75e05ba5acff.json)

### Natural hazards · Google AI Mode

Verdict: correct.

What the answer said: The Land/Sub-base: The NHC covers the actual land or ground that supports your main accessway (driveway), but only up to 60 metres from your home. If the landslip washes out the earth underneath the driveway within that 60-metre zone, the structural land damage can fall under NHC cover. [Natural Hazards Commission Toka Tū Ake]

What the primary source says: Eligible main-access supporting land extends 60m, within statutory boundaries.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35777e68-d778-406d-a17e-75e05ba5acff.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: Driveway: The land beneath your main accessway (for example, the ground supporting your driveway) can have limited natural hazards cover if it is within the relevant area, including up to 60 metres from the home. However, the driveway surface itself (such as asphalt, concrete, paving, or other artificial surfaces) is generally not covered by natural hazards cover, although your private house policy may cover some driveway damage. Natural Hazards Commission

What the primary source says: Artificial driveway surfaces are excluded from NHC land cover.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35777e68-d778-406d-a17e-75e05ba5acff.json)

### Natural hazards · Gemini

Verdict: correct.

What the answer said: 2. The Long Driveway Because a driveway is typically long, how a landslip affects it changes the rules: The Land Beneath: The NHC covers the actual land supporting your main accessway (driveway) up to 60 metres from your home. If a slip washes away the earth supporting the driveway, the NHC covers that foundational land damage (subject to land cap formulas). The Surface (Concrete/Asphalt): The NHC does not cover artificial driveway surfaces like concrete, asphalt, or paving. Where your private insurer steps in: Standard private house insurance policies generally pick up where the NHC leaves off, providing cover to repair or replace the actual driveway surface (the concrete or asphalt) damaged by a landslip.

What the primary source says: Artificial driveway surfaces are excluded from NHC land cover.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35777e68-d778-406d-a17e-75e05ba5acff.json)

### Natural hazards · AI Overviews

Verdict: correct.

What the answer said: The Driveway Surface: The NHC does not cover artificial surfaces like concrete, asphalt, or tarseal. However, many major private house insurance policies (such as Tower or AA Insurance) do explicitly cover sealed driveways required for main access. You will need to check your specific policy wording to see if your insurer will pay to re-pave the driveway once the ground underneath is stabilized.

What the primary source says: Artificial driveway surfaces are excluded from NHC land cover.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35777e68-d778-406d-a17e-75e05ba5acff.json)

### Natural hazards · Google AI Mode

Verdict: correct.

What the answer said: The Driveway Surfacing: The NHC does not cover artificial driveway surfaces (such as concrete, asphalt, chipseal, paving, or gravel).

What the primary source says: Artificial driveway surfaces are excluded from NHC land cover.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35777e68-d778-406d-a17e-75e05ba5acff.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: For natural hazard damage first occurring on or after 1 July 2024, NHCover has a combined limit of $50,000 plus GST for all eligible retaining walls. This is part of the land cover calculation, not an automatic payment of that amount. About natural hazards cover :: Natural Hazards Commission Toka Tū AkeNatural Hazards Insurance Act :: Natural Hazards Commission Toka Tū Ake

What the primary source says: Eligible retaining walls: $50,000 plus GST, combined limit.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/14551aa2-1708-427a-96ee-de2a203eeced.json)

### Natural hazards · Gemini

Verdict: correct.

What the answer said: When the NHC (NHCover) steps in: The NHC provides limited cover for retaining walls that support or protect your home, insured related buildings, or insured land, provided they are located within 60 metres of your home. The NHC Cap for Retaining Walls: For qualifying retaining walls, the NHC has a specific statutory limit (capped at a maximum of $50,000 plus GST for all your retaining walls combined per event). Furthermore, land and retaining wall payouts are generally based on a "conceptual repair" or indemnity/market value formula, meaning it may not cover 100% of modern replacement costs. When your Private Insurer steps in: Standard private house policies sometimes offer additional or extended cover for retaining walls that exceed the NHC criteria or limits, though many policies exclude or limit landscaping and standalone walls. Your private insurer will assess your specific policy wording to see if any top-up or separate provisions apply.

What the primary source says: Eligible retaining walls: $50,000 plus GST, combined limit.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/14551aa2-1708-427a-96ee-de2a203eeced.json)

### Natural hazards · AI Overviews

Verdict: correct.

What the answer said: Coverage Cap: Under the Natural Hazards Insurance Act, the payout for retaining walls is capped at $50,000 plus GST per dwelling structure. Valuation Basis: For recent events, the NHC covers the "undepreciated value" (the structural build cost) of the wall up to the cap. It acts as a contribution toward repairs, which means if replacing the wall costs more than the land value or the $50,000 cap, you may have to pay the shortfall out of pocket.

What the primary source says: Eligible retaining walls: $50,000 plus GST, combined limit.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/14551aa2-1708-427a-96ee-de2a203eeced.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: For eligible NHC claims arising from damage first occurring on or after 1 July 2024, the standard excess is $500 for a building claim and $500 for a land claim. If both are claimed, both excesses may be deducted. Your private insurer's excess is separate and depends on your policy. Natural Hazards Insurance Act :: Natural Hazards Commission Toka Tū AkeAbout natural hazards cover :: Natural Hazards Commission Toka Tū Ake

What the primary source says: Building and land each have a $500 excess, GST inclusive.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/74697957-6ec4-4ca3-9fd7-ddeb08a3ba04.json)

### Natural hazards · Gemini

Verdict: wrong.

What the answer said: 2. Excesses to Review Standard Excess vs. Specific Hazard Excess: Check if your insurer applies a separate, higher excess specifically for storms, floods, or natural disasters compared to a standard fire or theft claim. Some insurers enforce a distinct percentage-based or elevated fixed excess for weather-related events. Land vs. Building Excesses (NHC): If a storm causes land damage handled by the NHC, note that land claims carry separate excess rules (calculated as 10% of the settlement amount, subject to minimums and maximums) compared to building-related claims. Below-Excess Risk: Keep in mind that minor storm damage (like a few lifted tiles or a ruined garden shed) that falls below your policy's excess amount means you will cover the repair costs entirely out of pocket.

What the primary source says: Building and land each have a $500 excess, GST inclusive.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/74697957-6ec4-4ca3-9fd7-ddeb08a3ba04.json)

### Natural hazards · AI Overviews

Verdict: correct.

What the answer said: The Government (NHC) Excess: If a storm impacts your land, the modern NHC rules outline a flat $500 excess for land claims (replacing the old 10% percentage-based formula). Be prepared to pay both your private excess for the house and the NHC excess for the land.

What the primary source says: Building and land each have a $500 excess, GST inclusive.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/74697957-6ec4-4ca3-9fd7-ddeb08a3ba04.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: Type of damage ; What to know ; ; Earthquake ; NHC cover may apply, with private insurance providing cover above applicable limits. ; ; Landslide ; NHC generally provides the first layer of eligible home cover, currently subject to a building cap of $300,000 plus GST; private insurance covers amounts above the cap, subject to the policy. ; ; Flood or storm ; NHC provides limited cover for eligible land damage, but building damage depends on your private policy. ; ; Coastal erosion ; Not covered by NHC; private insurance may not cover it either. ; ; Gradual damage ; Wear, deterioration and gradual erosion are often excluded from standard policies.

What the primary source says: Storm/flood NHCover applies to eligible land; private cover handles buildings.

[NHC: storm, flood and landslide cover](https://www.naturalhazards.govt.nz/insurance-and-claims/cover-for-storm-flood-and-landslide-damage/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/c7f3e392-e83e-4bb6-a8d1-392e9b1a927d.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: Type of damage ; What to know ; ; Earthquake ; NHC cover may apply, with private insurance providing cover above applicable limits. ; ; Landslide ; NHC generally provides the first layer of eligible home cover, currently subject to a building cap of $300,000 plus GST; private insurance covers amounts above the cap, subject to the policy. ; ; Flood or storm ; NHC provides limited cover for eligible land damage, but building damage depends on your private policy. ; ; Coastal erosion ; Not covered by NHC; private insurance may not cover it either. ; ; Gradual damage ; Wear, deterioration and gradual erosion are often excluded from standard policies.

What the primary source says: Ordinary coastal erosion is excluded; do not confuse an eligible landslide.

[NHC: Public Education Strategy 2024–29](https://www.naturalhazards.govt.nz/assets/Be-Prepared/NHC_PublicEducation-Strategy_2024-29.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/c7f3e392-e83e-4bb6-a8d1-392e9b1a927d.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: Issue ; NHC cover ; Contents insurance ; ; Household belongings ; Usually not covered ; Usually covered if insured ; ; Temporary accommodation ; Not covered ; Often covered ; ; Excess ; NHC-specific excess rules ; Your contents policy excess ; ; Moving/storage costs ; Not generally included ; Often included if policy provides relocation cover

What the primary source says: NHC does not pay alternative accommodation.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0e3bc757-e96d-40a0-afcd-db4e0f16650d.json)

### Natural hazards · AI Overviews

Verdict: correct.

What the answer said: If a natural disaster or severe weather event makes your home unliveable, your private contents insurance policy typically provides a Temporary Accommodation benefit. Note: The NHC does not pay for temporary accommodation; this relies entirely on your private insurance. … Feature; Standard Private Contents Policy; NHCover (Toka Tū Ake) Natural Disaster Excess; Paid as per your private policy schedule; waived or consolidated if multiple policies suffer from the same event.; Applies separately to home building and land claims. Belongings / Contents Cover; Covered up to your policy's chosen sum insured.; Not covered. Temporary Accommodation; Included (typically capped between $30,000 to $40,000 or a specific time limit).; Not covered. Moving & Storage Costs; Included under the temporary accommodation benefit.; Not covered.

What the primary source says: NHC does not pay alternative accommodation.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0e3bc757-e96d-40a0-afcd-db4e0f16650d.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: Natural Hazards Commission cover (formerly commonly known as EQCover) is not a substitute for comprehensive home insurance. Eligibility and the scope of natural-hazard cover depend on the legislation and circumstances, and some title notices can affect claims. For example, a section 72 notice may allow a claim to be partly or fully declined for the type of hazard specified in that notice. About natural hazards cover :: Natural Hazards Commission Toka Tū Ake

What the primary source says: A section notice can affect claims for the specified hazard.

[NHC: Section notices](https://www.naturalhazards.govt.nz/insurance-and-claims/section-notices/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/047aa8b4-0c4f-4bfa-837d-0a6a6f6e5cb3.json)

### Natural hazards · AI Overviews

Verdict: correct.

What the answer said: The Insurance Catch: A Section 72 notice alerts insurers that the land is hazardous. If the house is damaged by that specific hazard (e.g., a landslide on a slip-prone site), the insurer—and the NHC—can legally refuse to pay out for the damage.

What the primary source says: A section notice can affect claims for the specified hazard.

[NHC: Section notices](https://www.naturalhazards.govt.nz/insurance-and-claims/section-notices/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/047aa8b4-0c4f-4bfa-837d-0a6a6f6e5cb3.json)

### Sum insured and settlement · ChatGPT

Verdict: correct.

What the answer said: Sum insured: Is it enough to rebuild the house to current standards, including demolition, debris removal, professional fees, and inflation in construction costs? Policy wording: Does it provide replacement cover, or only a capped payment? Excess: Can you comfortably pay the earthquake excess if a major event occurs? Unusual features: Older homes, masonry, retaining walls, hillside sites, and complex designs may need closer attention.

What the primary source says: Set sum insured for full rebuild; subtracting NHC also underinsures non-NHC events.

[NHC: Home buyer risk and full rebuild sum insured](https://www.naturalhazards.govt.nz/news/most-home-buyers-now-consider-natural-hazard-risks-when-buying-a-property/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/680c6fef-c3d2-4f8a-a040-50a91bca60be.json)

### Sum insured and settlement · Gemini

Verdict: wrong.

What the answer said: 1. Check the Natural Hazard Rating: Before purchasing or renewing a policy, review the property's risk profile regarding local council LIM (Land Information Memorandum) reports for flood zones and fault lines. 2. Audit Your Sum Insured: Use online Cordell-type calculators or professional quantity surveyor estimates to ensure your private sum insured covers a 100% total rebuild after subtracting the $300,000+GST NHC cap. 3. Scrutinize Excesses: Look closely at the policy document to see what excess applies specifically to floods, natural disasters, or general claims, as a high flood excess can leave you significantly out of pocket after a weather event. 4. Maintain Continuous Cover: Never let your private house policy lapse, as this breaks your continuous access to the statutory NHCover scheme.

What the primary source says: Set sum insured for full rebuild; subtracting NHC also underinsures non-NHC events.

[NHC: Home buyer risk and full rebuild sum insured](https://www.naturalhazards.govt.nz/news/most-home-buyers-now-consider-natural-hazard-risks-when-buying-a-property/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/680c6fef-c3d2-4f8a-a040-50a91bca60be.json)

### Sum insured and settlement · AI Overviews

Verdict: correct.

What the answer said: Consideration; Actionable Step for Homeowners Accurate "Sum Insured"; Do not just guess your rebuild costs. Use a professional calculator (like the Cordell Calculator) to ensure your sum insured covers local post-disaster inflation and demolition expenses. Land Cover Limits; NHCover provides strict, defined caps on land damage (e.g., retaining walls and land slips). Check if your private policy offers supplementary land or retaining wall top-ups. Council LIM Reports; Always check the property’s Land Information Memorandum (LIM) and regional council hazard maps before purchasing. Look for notation on flood paths, liquefaction, or instability. Existing Policy Transfers; If buying an existing home in a high-risk zone, find out if the current owner's insurer will transfer the policy to you, as securing an entirely new policy may be difficult.

What the primary source says: Set sum insured for full rebuild; subtracting NHC also underinsures non-NHC events.

[NHC: Home buyer risk and full rebuild sum insured](https://www.naturalhazards.govt.nz/news/most-home-buyers-now-consider-natural-hazard-risks-when-buying-a-property/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/680c6fef-c3d2-4f8a-a040-50a91bca60be.json)

### Natural hazards · ChatGPT

Verdict: correct.

What the answer said: In New Zealand, a home policy that includes fire insurance generally gives access to Natural Hazards Commission Toka Tū Ake (NHC) cover. For eligible natural-hazard damage, the NHC building-cover cap is generally $300,000 plus GST, with private insurance covering eligible costs beyond that amount according to your policy. NHC cover is not a substitute for adequate private insurance, and its land cover has specific limits. About natural hazards cover :: Natural Hazards Commission Toka Tū AkeHouse & Contents Insurance: Sum Insured Explained

What the primary source says: Building cap and land valuation limits are separate.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/252ca4ac-ff3f-482e-9a4d-2c293fd69f46.json)

### Natural hazards · Gemini

Verdict: wrong.

What the answer said: 4. Understand Natural Hazards Commission (NHC) Cover In New Zealand, standard house insurance policies automatically incorporate levy collections for the Natural Hazards Commission (NHC, formerly EQC). The Rule: Ensure your chosen policy includes standard fire insurance, which triggers your eligibility for NHC natural disaster coverage (up to $300,000 + GST for your home and immediate land). Your private insurer manages this claim process, but the baseline statutory framework remains consistent across licensed providers.

What the primary source says: Building cap and land valuation limits are separate.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/252ca4ac-ff3f-482e-9a4d-2c293fd69f46.json)

### Natural hazards · Google AI Mode

Verdict: correct.

What the answer said: Understand the Natural Hazards Cover (NHCover) interface. In Aotearoa, your private house policy works alongside the Natural Hazards Commission (NHC) Toka Tū Ake. The NHC covers the first $300,000 (plus GST) of natural disaster damage to your home. Your private insurer covers the difference up to your sum insured, but check how smoothly your chosen provider handles natural disaster claims and whether they have clear guidelines for land and retaining wall cover relevant to your property type.

What the primary source says: Building cap and land valuation limits are separate.

[Natural Hazards Commission: NHCover and current legislation](https://www.naturalhazards.govt.nz/insurance-and-claims/about-nhcover/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/252ca4ac-ff3f-482e-9a4d-2c293fd69f46.json)

### Sum insured and settlement · Gemini

Verdict: correct.

What the answer said: 2. Alternative & Specialized Providers Initio: A nimble independent insurer that frequently challenges the big legacy brands with competitive pricing and flexible online policies tailored for modern homeowners. MAS (Medical Assurance Society): Highly regarded for offering full area replacement cover (which pays out the actual cost to rebuild even if construction costs spike or exceed estimates), unlike standard fixed sum-insured models.

What the primary source says: Area replacement uses correct insured floor area and reasonable equivalent rebuild; separate structures have limits.

[MAS: house policy, options and schedule](https://www.mas.co.nz/insurance/house-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0b7e1ef0-7a65-4177-881f-0f41a117e5da.json)

### Sum insured and settlement · AI Overviews

Verdict: correct.

What the answer said: Insurer; Key Strengths & Recent Awards; Best For Tower Insurance; • Canstar Home & Contents Insurer of the Year 2026 • Offers address-specific risk pricing • Good online multi-policy discounts; First-home buyers looking for flexible, custom tiers and strong digital tools. AA Insurance; • Winner of Canstar’s Home Insurance Claims Award 2026 • Extremely high customer satisfaction; Buyers who prioritize a smooth, stress-free claims experience if something goes wrong. AMI Insurance; • Canstar Outstanding Value Award Winner 2026 • Part of IAG, NZ's largest insurance group; Getting solid, wallet-friendly basic or "Plus" coverage tiers. State Insurance; • Canstar Outstanding Value Award Winner 2026 • Comprehensive options with great built-in extras; Good all-rounder with strong legal liability and sudden/accidental damage cover. MAS (Medical Assurance Society); • Consistently top-rated for satisfaction by Consumer NZ • Offers Area Replacement cover instead of a capped Sum Insured; Maximum protection, as they cover full rebuild costs rather than a fixed dollar limit. … Sum Insured vs. Area Replacement: Most insurers use the "Sum Insured" model. You must calculate exactly how much money it would take to completely rebuild your home from scratch (using tools like the Cordell Sum Sure calculator). If you underestimate this number and your house burns down, you pay the shortfall out of pocket. MAS is a rare exception offering full area replacement.

What the primary source says: Area replacement uses correct insured floor area and reasonable equivalent rebuild; separate structures have limits.

[MAS: house policy, options and schedule](https://www.mas.co.nz/insurance/house-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0b7e1ef0-7a65-4177-881f-0f41a117e5da.json)

### Sum insured and settlement · Google AI Mode

Verdict: unclear.

What the answer said: MAS (Medical Assurance Society) : Noteworthy for offering an area replacement model rather than a strict sum-insured cap. If building inflation skyrockets or a major disaster drives up local construction costs, MAS covers the actual cost to rebuild your home entirely. While originally set up for professionals, membership is widely accessible, and it's a top tier pick if you want absolute protection against under-insurance. [MoneyHub NZ]

What the primary source says: Area replacement uses correct insured floor area and reasonable equivalent rebuild; separate structures have limits.

[MAS: house policy, options and schedule](https://www.mas.co.nz/insurance/house-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0b7e1ef0-7a65-4177-881f-0f41a117e5da.json)

### Availability and service · AI Overviews

Verdict: correct.

What the answer said: MAS (Medical Assurance Society): While historically catering to medical professionals, MAS is open to the general public for house insurance. They consistently secure the highest overall satisfaction rating for house insurance (76% in recent Consumer NZ tracking) because they use a personalized advisory model rather than an automated call center.

What the primary source says: MAS welcomes all professions; membership follows an eligible product. Underwriting still applies.

[MAS: centenary statement on all professions](https://www.mas.co.nz/about-mas/news/100-years-young-and-heading-for-the-future/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0abe2395-c912-4bba-be46-615706e94d9a.json)

### Availability and service · AI Overviews

Verdict: wrong.

What the answer said: If you want to avoid digital interfaces, you may want to steer clear of Cove (built completely around internet chatbots) or State Insurance , which heavily incentivizes automated claims processing via the "My State" app and openly markets a "no small talk" digital approach.

What the primary source says: Cove publishes telephone help for quotes, policies and claims.

[Cove: phone, chat and claims contact channels](https://www.coveinsurance.co.nz/contact/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35d51c11-1458-44f7-8887-59db8b314935.json)

### Availability and service · AI Overviews

Verdict: unclear.

What the answer said: FMG (Farmers Mutual Group): Consistently awarded Consumer NZ's People’s Choice award, FMG is highly praised for its traditional, person-centric customer service. They do not operate via automated apps; instead, you deal directly with human representatives over the phone or even in person.

What the primary source says: FMG provides FMG Connect online account access as well as human service.

[FMG: official website, online account and service channels](https://www.fmg.co.nz/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/35d51c11-1458-44f7-8887-59db8b314935.json)

### Availability and service · Gemini

Verdict: unclear.

What the answer said: Tower is a strong starting point for competitive, flexible sum-insured policies with transparent risk-based pricing and tiered options (Standard, Plus, and Premium). AMI is a major mainstream choice well-known for extensive branch support, strong customer networks, and helpful add-ons like temporary accommodation and sustainability upgrade allowances. MAS (Medical Assurance Society) offers a distinct alternative if you are eligible to join, as they provide full area replacement cover rather than a fixed sum insured limit, protecting you against unexpected spikes in building costs.

What the primary source says: AMI lists four in-person MotorHub locations, in Auckland and Christchurch.

[AMI: current contact and physical service locations](https://www.ami.co.nz/contact) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/1b4a543f-ad0a-408e-b187-305ef92fa179.json)

### Availability and service · Gemini

Verdict: unclear.

What the answer said: Digital Insurance Portals and Apps (e.g., AA Insurance, AMI, Westpac, AMP): Most major New Zealand insurers provide online account dashboards (such as My AMI or My Insurance Manager) allowing you to buy policies, adjust sums insured, download policy documents, and initiate or track claims entirely outside of standard 9:00 AM to 5:00 PM business hours. Online Insurance Aggregators and Direct-Digital Providers (e.g., Initio): Digital-first property insurance providers let you quote, configure, and bind comprehensive home, contents, or landlord cover online within minutes without needing to schedule a phone call during traditional working hours. 24/7 Emergency Trades and Response Services (e.g., AA Home Response): If an urgent home repair issue arises during odd hours—such as a burst pipe or a security failure while you are working a night shift—services integrated with home cover or membership programs offer around-the-clock dispatch networks to connect you with vetted local tradespeople at any time of day or night. Smart Home Automation & Monitoring Apps: Pairing your home insurance or security provisions with smart home platforms (such as Swann, Ring, or smart-lock ecosystems) enables remote monitoring, digital visitor logs, and instant smartphone alerts if unusual activity, water leaks, or security breaches occur while you are away or asleep during irregular hours.

What the primary source says: Online property policies with contents add-on; contents requires a same-address property policy.

[Initio: actual product range and policy documents](https://initio.co.nz/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/160c5e72-6305-40a9-9966-6e2fc8f13047.json)

### Availability and service · ChatGPT

Verdict: unclear.

What the answer said: Worth including if you prefer getting a quote and managing your policy online. Cove offers standalone contents insurance for renters and homeowners, with policies underwritten by Vero Insurance New Zealand. Compare Contents Insurance Quotes NZ 2026

What the primary source says: Dedicated contents page and September wording cover owners/renters; homepage says coming soon. Launch availability remains unresolved.

[Cove: contents product page](https://www.coveinsurance.co.nz/contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/2ae05aca-9c85-449c-9d48-8c65b3f0b3eb.json)

### Availability and service · AI Overviews

Verdict: unclear.

What the answer said: Cove Insurance : A digital-first, paperless provider designed for Kiwis who want simple online control. They are a highly competitive standalone option for renters or flatmates, allowing you to easily purchase contents cover entirely on its own without requiring a primary house policy.

What the primary source says: Dedicated contents page and September wording cover owners/renters; homepage says coming soon. Launch availability remains unresolved.

[Cove: contents product page](https://www.coveinsurance.co.nz/contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/2ae05aca-9c85-449c-9d48-8c65b3f0b3eb.json)

### Insurer identity · ChatGPT

Verdict: correct.

What the answer said: Worth including if you prefer getting a quote and managing your policy online. Cove offers standalone contents insurance for renters and homeowners, with policies underwritten by Vero Insurance New Zealand. Compare Contents Insurance Quotes NZ 2026

What the primary source says: Vero NZ is the legal contents insurer.

[Cove: September 2026 contents wording](https://coveinsurance.wpenginepowered.com/wp-content/uploads/2026/10/Cove-Residential-Contents-September-2026.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/2ae05aca-9c85-449c-9d48-8c65b3f0b3eb.json)

### Insurer identity · ChatGPT

Verdict: correct.

What the answer said: Bank ; Insurance company that covers you ; ; ANZ ; Vero Contents insurance ; Quote and buy online ; ; ASB ; IAG New Zealand Contents Insurance - Get a quote and apply online ; ; BNZ ; IAG New Zealand Contents insurance ; ; Westpac ; Tower for some policies; IAG for others, depending on the policy. Contents insurance ; Get a quote onlineMake a claim on home & contents insurance

What the primary source says: ANZ Asset Protector contents is underwritten by Vero.

[ANZ: contents insurer and disclosure](https://www.anz.co.nz/personal/insurance/contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · Gemini

Verdict: unclear.

What the answer said: ASB: Underwritten by IAG New Zealand Limited (the company behind brands like State and AMI). BNZ: Underwritten by IAG New Zealand Limited. Westpac: Underwrites some policies through IAG New Zealand Limited, while others may use Tower Limited (it varies depending on the specific product tier or when you signed up, which will be specified in your policy wording). The Co-operative Bank: Underwritten by IAG New Zealand Limited. ANZ: (Note: ANZ traditionally stepped back from direct general insurance underwriting and partnered with Vero/others in the past, or refers customers outward. Check your specific certificate of insurance if you hold an legacy or co-branded product).

What the primary source says: ANZ Asset Protector contents is underwritten by Vero.

[ANZ: contents insurer and disclosure](https://www.anz.co.nz/personal/insurance/contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · AI Overviews

Verdict: correct.

What the answer said: Bank; Actual Insurance Underwriter; Details ANZ; Vero Insurance New Zealand Limited; Policies are underwritten by Vero (part of the Suncorp Group). ASB; IAG New Zealand Limited; Policies are underwritten and managed by IAG, New Zealand's largest general insurer. BNZ; IAG New Zealand Limited; Policies are provided and underwritten by IAG. Westpac; Tower Limited / IAG; New policies are underwritten by Tower. Older policies originally taken out before July 2026 may still be managed by IAG until their renewal cycle transitions.

What the primary source says: ANZ Asset Protector contents is underwritten by Vero.

[ANZ: contents insurer and disclosure](https://www.anz.co.nz/personal/insurance/contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · Google AI Mode

Verdict: correct.

What the answer said: ANZ: Underwritten and issued by Vero Insurance New Zealand Limited (part of Suncorp) under the ANZ Asset Protector range.

What the primary source says: ANZ Asset Protector contents is underwritten by Vero.

[ANZ: contents insurer and disclosure](https://www.anz.co.nz/personal/insurance/contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · ChatGPT

Verdict: correct.

What the answer said: Bank ; Insurance company that covers you ; ; ANZ ; Vero Contents insurance ; Quote and buy online ; ; ASB ; IAG New Zealand Contents Insurance - Get a quote and apply online ; ; BNZ ; IAG New Zealand Contents insurance ; ; Westpac ; Tower for some policies; IAG for others, depending on the policy. Contents insurance ; Get a quote onlineMake a claim on home & contents insurance

What the primary source says: ASB contents is underwritten by IAG NZ.

[ASB: contents insurer and disclosure](https://www.asb.co.nz/home-and-contents-insurance/contents-insurance.html) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · Gemini

Verdict: correct.

What the answer said: ASB: Underwritten by IAG New Zealand Limited (the company behind brands like State and AMI). BNZ: Underwritten by IAG New Zealand Limited. Westpac: Underwrites some policies through IAG New Zealand Limited, while others may use Tower Limited (it varies depending on the specific product tier or when you signed up, which will be specified in your policy wording). The Co-operative Bank: Underwritten by IAG New Zealand Limited. ANZ: (Note: ANZ traditionally stepped back from direct general insurance underwriting and partnered with Vero/others in the past, or refers customers outward. Check your specific certificate of insurance if you hold an legacy or co-branded product).

What the primary source says: ASB contents is underwritten by IAG NZ.

[ASB: contents insurer and disclosure](https://www.asb.co.nz/home-and-contents-insurance/contents-insurance.html) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · AI Overviews

Verdict: correct.

What the answer said: Bank; Actual Insurance Underwriter; Details ANZ; Vero Insurance New Zealand Limited; Policies are underwritten by Vero (part of the Suncorp Group). ASB; IAG New Zealand Limited; Policies are underwritten and managed by IAG, New Zealand's largest general insurer. BNZ; IAG New Zealand Limited; Policies are provided and underwritten by IAG. Westpac; Tower Limited / IAG; New policies are underwritten by Tower. Older policies originally taken out before July 2026 may still be managed by IAG until their renewal cycle transitions.

What the primary source says: ASB contents is underwritten by IAG NZ.

[ASB: contents insurer and disclosure](https://www.asb.co.nz/home-and-contents-insurance/contents-insurance.html) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · Google AI Mode

Verdict: correct.

What the answer said: ASB: Underwritten by IAG New Zealand Limited (Insurance Australia Group).

What the primary source says: ASB contents is underwritten by IAG NZ.

[ASB: contents insurer and disclosure](https://www.asb.co.nz/home-and-contents-insurance/contents-insurance.html) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · ChatGPT

Verdict: correct.

What the answer said: Bank ; Insurance company that covers you ; ; ANZ ; Vero Contents insurance ; Quote and buy online ; ; ASB ; IAG New Zealand Contents Insurance - Get a quote and apply online ; ; BNZ ; IAG New Zealand Contents insurance ; ; Westpac ; Tower for some policies; IAG for others, depending on the policy. Contents insurance ; Get a quote onlineMake a claim on home & contents insurance

What the primary source says: BNZ contents referral product is issued by IAG NZ.

[BNZ: contents insurer and disclosure](https://www.bnz.co.nz/personal-banking/insurance/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · Gemini

Verdict: correct.

What the answer said: ASB: Underwritten by IAG New Zealand Limited (the company behind brands like State and AMI). BNZ: Underwritten by IAG New Zealand Limited. Westpac: Underwrites some policies through IAG New Zealand Limited, while others may use Tower Limited (it varies depending on the specific product tier or when you signed up, which will be specified in your policy wording). The Co-operative Bank: Underwritten by IAG New Zealand Limited. ANZ: (Note: ANZ traditionally stepped back from direct general insurance underwriting and partnered with Vero/others in the past, or refers customers outward. Check your specific certificate of insurance if you hold an legacy or co-branded product).

What the primary source says: BNZ contents referral product is issued by IAG NZ.

[BNZ: contents insurer and disclosure](https://www.bnz.co.nz/personal-banking/insurance/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · AI Overviews

Verdict: correct.

What the answer said: Bank; Actual Insurance Underwriter; Details ANZ; Vero Insurance New Zealand Limited; Policies are underwritten by Vero (part of the Suncorp Group). ASB; IAG New Zealand Limited; Policies are underwritten and managed by IAG, New Zealand's largest general insurer. BNZ; IAG New Zealand Limited; Policies are provided and underwritten by IAG. Westpac; Tower Limited / IAG; New policies are underwritten by Tower. Older policies originally taken out before July 2026 may still be managed by IAG until their renewal cycle transitions.

What the primary source says: BNZ contents referral product is issued by IAG NZ.

[BNZ: contents insurer and disclosure](https://www.bnz.co.nz/personal-banking/insurance/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · Google AI Mode

Verdict: correct.

What the answer said: Bank of New Zealand (BNZ): Underwritten by IAG New Zealand Limited.

What the primary source says: BNZ contents referral product is issued by IAG NZ.

[BNZ: contents insurer and disclosure](https://www.bnz.co.nz/personal-banking/insurance/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · ChatGPT

Verdict: correct.

What the answer said: Bank ; Insurance company that covers you ; ; ANZ ; Vero Contents insurance ; Quote and buy online ; ; ASB ; IAG New Zealand Contents Insurance - Get a quote and apply online ; ; BNZ ; IAG New Zealand Contents insurance ; ; Westpac ; Tower for some policies; IAG for others, depending on the policy. Contents insurance ; Get a quote onlineMake a claim on home & contents insurance

What the primary source says: Westpac publishes separate Tower and legacy IAG claim routes.

[Westpac: IAG and Tower claim routes](https://www.westpac.co.nz/insurance/make-a-claim-on-home-contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · Gemini

Verdict: correct.

What the answer said: ASB: Underwritten by IAG New Zealand Limited (the company behind brands like State and AMI). BNZ: Underwritten by IAG New Zealand Limited. Westpac: Underwrites some policies through IAG New Zealand Limited, while others may use Tower Limited (it varies depending on the specific product tier or when you signed up, which will be specified in your policy wording). The Co-operative Bank: Underwritten by IAG New Zealand Limited. ANZ: (Note: ANZ traditionally stepped back from direct general insurance underwriting and partnered with Vero/others in the past, or refers customers outward. Check your specific certificate of insurance if you hold an legacy or co-branded product).

What the primary source says: Westpac publishes separate Tower and legacy IAG claim routes.

[Westpac: IAG and Tower claim routes](https://www.westpac.co.nz/insurance/make-a-claim-on-home-contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · AI Overviews

Verdict: correct.

What the answer said: Bank; Actual Insurance Underwriter; Details ANZ; Vero Insurance New Zealand Limited; Policies are underwritten by Vero (part of the Suncorp Group). ASB; IAG New Zealand Limited; Policies are underwritten and managed by IAG, New Zealand's largest general insurer. BNZ; IAG New Zealand Limited; Policies are provided and underwritten by IAG. Westpac; Tower Limited / IAG; New policies are underwritten by Tower. Older policies originally taken out before July 2026 may still be managed by IAG until their renewal cycle transitions.

What the primary source says: Westpac publishes separate Tower and legacy IAG claim routes.

[Westpac: IAG and Tower claim routes](https://www.westpac.co.nz/insurance/make-a-claim-on-home-contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Insurer identity · Google AI Mode

Verdict: correct.

What the answer said: Westpac NZ: Underwritten by Tower Limited (following a transition from IAG).

What the primary source says: Westpac publishes separate Tower and legacy IAG claim routes.

[Westpac: IAG and Tower claim routes](https://www.westpac.co.nz/insurance/make-a-claim-on-home-contents-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4d4e4a68-898a-4415-8df4-f13edc90a4c9.json)

### Awards and survey evidence · AI Overviews

Verdict: correct.

What the answer said: Insurer; Key Strengths & Recent Awards; Best For Tower Insurance; • Canstar Home & Contents Insurer of the Year 2026 • Offers address-specific risk pricing • Good online multi-policy discounts; First-home buyers looking for flexible, custom tiers and strong digital tools. AA Insurance; • Winner of Canstar’s Home Insurance Claims Award 2026 • Extremely high customer satisfaction; Buyers who prioritize a smooth, stress-free claims experience if something goes wrong. AMI Insurance; • Canstar Outstanding Value Award Winner 2026 • Part of IAG, NZ's largest insurance group; Getting solid, wallet-friendly basic or "Plus" coverage tiers. State Insurance; • Canstar Outstanding Value Award Winner 2026 • Comprehensive options with great built-in extras; Good all-rounder with strong legal liability and sudden/accidental damage cover. MAS (Medical Assurance Society); • Consistently top-rated for satisfaction by Consumer NZ • Offers Area Replacement cover instead of a capped Sum Insured; Maximum protection, as they cover full rebuild costs rather than a fixed dollar limit.

What the primary source says: AA won the 2026 home claims award.

[Canstar: home and contents awards and methodology](https://www.canstar.co.nz/home-contents-insurance/awards/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0b7e1ef0-7a65-4177-881f-0f41a117e5da.json)

### Awards and survey evidence · ChatGPT

Verdict: correct.

What the answer said: Strong overall customer satisfaction. MAS won Canstar's 2026 Most Satisfied Customers Home & Contents Insurance Award, based on a survey of 2,699 policyholders across 13 brands. This is encouraging, although the overall award is not exclusively about claims. Home & Contents Insurance Star Ratings and Awards

What the primary source says: MAS won overall H&C satisfaction: 2,699 respondents, 13 brands.

[Canstar: home and contents awards and methodology](https://www.canstar.co.nz/home-contents-insurance/awards/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/09d1ea29-6b19-4068-b28c-df6d92500e4a.json)

### Awards and survey evidence · ChatGPT

Verdict: correct.

What the answer said: Another option to investigate. FMG received Canstar's 2026 Seniors Car & Home Insurance Award, with customer service identified as a strength. It's worth comparing if its eligibility and policy offering suit your circumstances. Home & Contents Insurance Star Ratings and Awards

What the primary source says: FMG won the seniors car/home satisfaction award.

[Canstar: home and contents awards and methodology](https://www.canstar.co.nz/home-contents-insurance/awards/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/09d1ea29-6b19-4068-b28c-df6d92500e4a.json)

### Awards and survey evidence · ChatGPT

Verdict: correct.

What the answer said: Worth including in the price and cover comparison. Tower won Canstar's 2026 Home & Contents Insurer of the Year award, which combines cover, value and customer satisfaction. That is a broader measure, rather than a claims-handling award. Home & Contents Insurance Star Ratings and Awards

What the primary source says: Tower won H&C Insurer of the Year.

[Canstar: home and contents value awards](https://www.canstar.co.nz/home-contents-insurance/best-value-home-contents-insurance-awards/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/09d1ea29-6b19-4068-b28c-df6d92500e4a.json)

### Awards and survey evidence · AI Overviews

Verdict: correct.

What the answer said: Insurer; Key Strengths & Recent Awards; Best For Tower Insurance; • Canstar Home & Contents Insurer of the Year 2026 • Offers address-specific risk pricing • Good online multi-policy discounts; First-home buyers looking for flexible, custom tiers and strong digital tools. AA Insurance; • Winner of Canstar’s Home Insurance Claims Award 2026 • Extremely high customer satisfaction; Buyers who prioritize a smooth, stress-free claims experience if something goes wrong. AMI Insurance; • Canstar Outstanding Value Award Winner 2026 • Part of IAG, NZ's largest insurance group; Getting solid, wallet-friendly basic or "Plus" coverage tiers. State Insurance; • Canstar Outstanding Value Award Winner 2026 • Comprehensive options with great built-in extras; Good all-rounder with strong legal liability and sudden/accidental damage cover. MAS (Medical Assurance Society); • Consistently top-rated for satisfaction by Consumer NZ • Offers Area Replacement cover instead of a capped Sum Insured; Maximum protection, as they cover full rebuild costs rather than a fixed dollar limit.

What the primary source says: AMI received a H&C Outstanding Value award.

[Canstar: home and contents value awards](https://www.canstar.co.nz/home-contents-insurance/best-value-home-contents-insurance-awards/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0b7e1ef0-7a65-4177-881f-0f41a117e5da.json)

### Awards and survey evidence · AI Overviews

Verdict: unclear.

What the answer said: Insurer; Claims Handling Performance Summary MAS; Top Performer. Consistently wins "People's Choice" awards (9 consecutive years). Scores exceptionally high for support during the claims process and offers unique "Area Replacement" cover. Note: Membership is primarily tailored to professionals. FMG; Top Performer. Routinely tied with MAS for the highest overall satisfaction and "People's Choice" awards. Known for direct, pragmatic communication and rapid claims settlement. Open to everyone, not just rural properties. AA Insurance; Good / Reliable. Frequently praised for its customer-centric approach. Performs robustly for standard residential claims and has strong market confidence. Tower; Average. Recognised for leading value via advanced address-level risk-based pricing, though its claims department gets more mixed reviews. State & AMI; Below Average. Owned by IAG, these mass-market providers frequently trail behind in independent satisfaction rankings, often due to longer processing delays during major peak events.

What the primary source says: Nine consecutive awards was the 2025 account; MAS now advertises ten.

[Consumer NZ: original insurance satisfaction release, 3 February 2025](https://www.consumer.org.nz/about-us/media-releases/consumer-reveals-the-best-and-worst-insurance-providers) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/09d1ea29-6b19-4068-b28c-df6d92500e4a.json)

### Awards and survey evidence · AI Overviews

Verdict: unclear.

What the answer said: MAS (Medical Assurance Society): While historically catering to medical professionals, MAS is open to the general public for house insurance. They consistently secure the highest overall satisfaction rating for house insurance (76% in recent Consumer NZ tracking) because they use a personalized advisory model rather than an automated call center.

What the primary source says: 76% house satisfaction is the February 2025 survey, not an undated current rate.

[Consumer NZ: original insurance satisfaction release, 3 February 2025](https://www.consumer.org.nz/about-us/media-releases/consumer-reveals-the-best-and-worst-insurance-providers) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/0abe2395-c912-4bba-be46-615706e94d9a.json)

### Awards and survey evidence · ChatGPT

Verdict: correct.

What the answer said: Its earlier 2025 report highlighted FMG, with 78% overall satisfaction for contents insurance, and MAS for house insurance, with 76% satisfaction. Those are dated survey results, not current claims-settlement success rates. Consumer reveals the best and worst insurance providers

What the primary source says: FMG contents overall satisfaction was 78% in the 2025 release.

[Consumer NZ: original insurance satisfaction release, 3 February 2025](https://www.consumer.org.nz/about-us/media-releases/consumer-reveals-the-best-and-worst-insurance-providers) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/ccb75133-a0bb-4195-9f46-fc535c2adc37.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: Worth a quote if your property fits its lifestyle block criteria. Tower describes its lifestyle block policy as intended for properties under 10 hectares earning less than $10,000 gross income annually from related activities. It also offers cover for rural buildings, assets and certain income losses. Lifestyle Block Insurance

What the primary source says: Lifestyle eligibility: under 10ha AND under $10,000 gross yearly activity income.

[Tower: lifestyle block eligibility and wording](https://www.tower.co.nz/lifestyle-block-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/5f408fd5-5828-4432-92a9-f9fff623cf82.json)

### Policy benefits and eligibility · Gemini

Verdict: correct.

What the answer said: 2. Major Nationwide Insurers with Dedicated Lifestyle Options AMI: AMI offers a specific Lifestyle Block Insurance package designed to bridge the gap between residential and farm cover. It allows you to bundle your home and contents with rural buildings, machinery, livestock, private/rural vehicles, and rural general liability. Tower: Tower provides a tailored Lifestyle Block Policy. They generally define a lifestyle block as land under 10 hectares where you earn under $10,000 in gross income from the land. Their policy covers the house, lifestyle assets, specific rural vehicles, loss of block income (e.g., from fire or flood), and liability. Vero (via brokers like Gallagher): Vero offers robust rural property and lifestyle block packages typically distributed through insurance brokers. This is a good route if you want a broker to help negotiate terms or handle a complex property setup.

What the primary source says: Lifestyle eligibility: under 10ha AND under $10,000 gross yearly activity income.

[Tower: lifestyle block eligibility and wording](https://www.tower.co.nz/lifestyle-block-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/5f408fd5-5828-4432-92a9-f9fff623cf82.json)

### Policy benefits and eligibility · AI Overviews

Verdict: correct.

What the answer said: Tower Insurance : Provides a tailored Lifestyle Block Policy specifically designed for properties under 10 hectares that earn less than $10,000 gross income. It covers the dwelling alongside lifestyle block assets, infrastructure breakdown, and income loss.

What the primary source says: Lifestyle eligibility: under 10ha AND under $10,000 gross yearly activity income.

[Tower: lifestyle block eligibility and wording](https://www.tower.co.nz/lifestyle-block-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/5f408fd5-5828-4432-92a9-f9fff623cf82.json)

### Policy benefits and eligibility · Google AI Mode

Verdict: unclear.

What the answer said: Tower Insurance NZ — Tower provides a specific lifestyle block policy tailored for properties under 10 hectares with lower commercial/gross income generation from the land. It covers the main dwelling, outbuildings, lifestyle block vehicles/machinery, and liability protection. [Tower Insurance NZ]

What the primary source says: Lifestyle eligibility: under 10ha AND under $10,000 gross yearly activity income.

[Tower: lifestyle block eligibility and wording](https://www.tower.co.nz/lifestyle-block-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/5f408fd5-5828-4432-92a9-f9fff623cf82.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: Particularly worth comparing if you want your house and rural buildings covered under a coordinated policy. MAS's lifestyle property house policy includes cover for eligible barns, stables and sheds, subject to stated limits. Check whether you're eligible for membership. Lifestyle Property Insurance

What the primary source says: Eligible lifestyle buildings: $40,000 each and $160,000 per event.

[MAS: lifestyle property wording](https://www.mas.co.nz/insurance/house-insurance/lifestyle-property-insurance/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/5f408fd5-5828-4432-92a9-f9fff623cf82.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: A dedicated premium home insurance product for exceptional properties. It offers a complimentary rebuild valuation, cover beyond the sum insured for eligible non-natural-hazard claims, and up to $150,000 for temporary accommodation. … ; What to check ; Why it matters ; ; Rebuild cover beyond the sum insured ; Construction overruns can be significant for bespoke homes. Check whether the benefit excludes natural hazards. ; ; Specialist reinstatement ; Will the policy pay to restore imported stone, specialist glazing, custom joinery or heritage craftsmanship? ; ; Professional and compliance costs ; Confirm architects, engineers, consent fees, demolition and debris removal are covered. ; ; Site improvements ; Check retaining walls, pools, tennis courts, gates, driveways, bridges and other structures against individual limits. ; ; Natural hazards ; Confirm the applicable policy limits, excesses and exclusions for earthquake, landslip, flood and other relevant events. ; ; Temporary accommodation ; Ensure the dollar limit and duration are realistic for a comparable standard of living. ; ; Claims and repairs ; Ask whether you can use your own architect, quantity surveyor and specialist builders. ; … One important distinction: a policy that pays beyond the sum insured for ordinary insured damage may still impose different limits for earthquake or other natural hazards. Read those provisions carefully rather than relying on the headline benefit.

What the primary source says: Beyond-sum benefit excludes natural hazards and requires approved recent valuation.

[NZI: Distinction home benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/home-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/9c4a9ae5-6ac6-4fac-8b09-5349086fc308.json)

### Policy benefits and eligibility · Gemini

Verdict: unclear.

What the answer said: 1. High-Net-Worth Specialist Policies (Broker-Assigned) Because of the unique nature of your home, working with an insurance broker who has access to high-end specialist lines is usually the best approach. Key products include: NZI Distinction Home Insurance: Specifically designed for luxury, high-end, or architecturally unique homes. A major benefit for high-value properties is their rebuild without compromise feature (which can go beyond standard sum-insured limits for covered events if a recent professional valuation is on file), matching materials (such as custom flooring, heritage timbers, or bespoke kitchen/bathroom suites), and high limits for alternative luxury accommodation. NZI generally operates through a network of professional insurance brokers. Chubb Masterpiece: Chubb is a global leader in high-net-worth insurance and operates in New Zealand. Their "Masterpiece" policy is tailored for exceptional, high-value homes, offering broad wordings, cash-out options, extended replacement cost coverage, and a deep understanding of custom architecture, fine art, and high-value collections.

What the primary source says: Beyond-sum benefit excludes natural hazards and requires approved recent valuation.

[NZI: Distinction home benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/home-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/9c4a9ae5-6ac6-4fac-8b09-5349086fc308.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: A dedicated premium home insurance product for exceptional properties. It offers a complimentary rebuild valuation, cover beyond the sum insured for eligible non-natural-hazard claims, and up to $150,000 for temporary accommodation.

What the primary source says: Temporary accommodation limit: $150,000.

[NZI: Distinction home benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/home-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/9c4a9ae5-6ac6-4fac-8b09-5349086fc308.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: A premium contents policy designed for people with valuable collections. It offers at least $1 million in automatic contents cover, up to $100,000 in automatic jewellery and watch cover collectively, and art cover up to $100,000 per item and $500,000 in total. Higher-value pieces can be specified separately. Distinction Contents InsuranceDistinction Contents Insurance

What the primary source says: Automatic contents cover: $1 million.

[NZI: Distinction contents benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: A premium contents policy designed for people with valuable collections. It offers at least $1 million in automatic contents cover, up to $100,000 in automatic jewellery and watch cover collectively, and art cover up to $100,000 per item and $500,000 in total. Higher-value pieces can be specified separately. Distinction Contents InsuranceDistinction Contents Insurance

What the primary source says: Jewellery/watches combined $100,000; items above $25,000 require specification.

[NZI: Distinction contents benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · Gemini

Verdict: correct.

What the answer said: NZI (Distinction Policy): Specifically designed for high-value assets. It offers automatic cover for multiple pieces of jewellery up to $100,000 (with individual pieces up to $25,000 covered without itemizing). For fine art, it covers up to $100,000 per item and $500,000 in total. It also features built-in valuation services and market-increase protection for art. Rothbury (Private Client Insurance): A brokerage that deals with tailored underwriting for unique and luxury collections. They provide customized agreed-value coverage on specialized assets like fine art, precious gems, watches, and bullion, ensuring you receive 100% of the insured value with no depreciation if a claim occurs. Mainstream Insurers (AA Insurance, State, Vero, Tower): While major providers offer general contents policies, they require you to individually "specify" high-value artwork and jewellery on your schedule. You will need professional valuations and will likely pay an extra premium per item, but it ensures they are explicitly itemized past standard event limits.

What the primary source says: Jewellery/watches combined $100,000; items above $25,000 require specification.

[NZI: Distinction contents benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · Google AI Mode

Verdict: correct.

What the answer said: total) and generous undeclared thresholds for jewellery/watches (up to $ 25 , 000 individual limit without separate declaration, and $ 100 , 000 overall). It also includes features like complete replacement for sets/pairs and market value increases for art.

What the primary source says: Jewellery/watches combined $100,000; items above $25,000 require specification.

[NZI: Distinction contents benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: A premium contents policy designed for people with valuable collections. It offers at least $1 million in automatic contents cover, up to $100,000 in automatic jewellery and watch cover collectively, and art cover up to $100,000 per item and $500,000 in total. Higher-value pieces can be specified separately. Distinction Contents InsuranceDistinction Contents Insurance

What the primary source says: Artwork: $100,000 per item; $500,000 total.

[NZI: Distinction contents benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · Gemini

Verdict: correct.

What the answer said: NZI (Distinction Policy): Specifically designed for high-value assets. It offers automatic cover for multiple pieces of jewellery up to $100,000 (with individual pieces up to $25,000 covered without itemizing). For fine art, it covers up to $100,000 per item and $500,000 in total. It also features built-in valuation services and market-increase protection for art. Rothbury (Private Client Insurance): A brokerage that deals with tailored underwriting for unique and luxury collections. They provide customized agreed-value coverage on specialized assets like fine art, precious gems, watches, and bullion, ensuring you receive 100% of the insured value with no depreciation if a claim occurs. Mainstream Insurers (AA Insurance, State, Vero, Tower): While major providers offer general contents policies, they require you to individually "specify" high-value artwork and jewellery on your schedule. You will need professional valuations and will likely pay an extra premium per item, but it ensures they are explicitly itemized past standard event limits.

What the primary source says: Artwork: $100,000 per item; $500,000 total.

[NZI: Distinction contents benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · Google AI Mode

Verdict: correct.

What the answer said: NZI (Distinction Policy) : NZI offers a specialised high-net-worth policy called Distinction Contents Insurance ; NZI which is specifically tailored for luxury assets. It provides high default limits for artwork (up to $ 100 , 000 per item and $ 500 , 000 total) and generous undeclared thresholds for jewellery/watches (up to

What the primary source says: Artwork: $100,000 per item; $500,000 total.

[NZI: Distinction contents benefits and policy wording](https://www.nzi.co.nz/personal-cover/distinction/contents-insurance) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: A useful mainstream comparison, particularly if you want to insure art as part of a contents policy. Its published limits include $8,000 per jewellery item and $40,000 for jewellery per event, plus $25,000 for works of art, unless different cover is arranged in your policy schedule. MAS Contents InsuranceInsure your art collection

What the primary source says: Jewellery: $8,000 per item; $40,000 per event unless otherwise scheduled.

[MAS: contents policy wording](https://www.mas.co.nz/insurance/contents-insurance/contents-insurance-policy/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: A mainstream alternative with Standard, Plus and Premium contents policies. Its published jewellery limits vary by tier, from $1,000 per item on Standard to $10,000 per item on Premium, with higher-value items needing to be specified. How to insure your jewellery 2026

What the primary source says: Jewellery: Standard $1,000 per item; Premium $10,000 per item, plus event caps.

[Tower: jewellery guide and each contents tier wording](https://www.tower.co.nz/discover/contents/how-to-insure-jewellery/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · Google AI Mode

Verdict: correct.

What the answer said: Tower (Premium Policy) : Tower’s highest-tier "Premium" contents insurance tier offers higher built-in sub-limits than standard policies (for instance, up to $ 10 , 000 per item for specified or higher-tier jewellery categories, depending on exact policy schedules). For pieces exceeding standard thresholds, you can explicitly "specify" items on your policy by providing professional valuations.

What the primary source says: Jewellery: Standard $1,000 per item; Premium $10,000 per item, plus event caps.

[Tower: jewellery guide and each contents tier wording](https://www.tower.co.nz/discover/contents/how-to-insure-jewellery/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/4732d93b-7277-4a69-97c4-a7cb812403ca.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: Published limits shown in the sources below; check the current policy wording and schedule before buying. ; Insurer / policy example ; Relevant limit ; ; State Essentials ; $2,500 per unspecified jewellery item or watch; $10,000 per artwork item. Contents Essentials Insurance Policy Wording Polic ; ; BNZ contents ; $3,000 per unspecified jewellery item or watch; $10,000 per artwork item. Unless the item is shown as a specified item, the most we pay for certain types of contents for an event is set out below. ; ; AA Insurance contents ; Adjustable event limits of $5,000 for jewellery and $10,000 for works of art under its published standard contents information. What items do I need to specify on my contents policy? ; ; NZI Distinction ; Up to $100,000 per artwork item and $100,000 in total for unspecified jewellery and watches, subject to policy terms. Distinction Contents InsuranceDistinction Contents Insurance / Policy wording

What the primary source says: 2019 Essentials wording: jewellery/watch $2,500 each, $15,000 combined. Historical example, not verified new-business product.

[State: Essentials wording SI1047/9 05/19](https://www.state.co.nz/content/dam/insurance-brands-nz/state/nz/en/documents/contents/state-contents-essentials-insurance-policy-wording-si1047-9-0519.pdf) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/3253efab-c841-4e04-a8f7-b0d97863d876.json)

### Policy benefits and eligibility · ChatGPT

Verdict: correct.

What the answer said: Insurer / policy example ; Relevant limit ; ; State Essentials ; $2,500 per unspecified jewellery item or watch; $10,000 per artwork item. Contents Essentials Insurance Policy Wording Polic ; ; BNZ contents ; $3,000 per unspecified jewellery item or watch; $10,000 per artwork item. Unless the item is shown as a specified item, the most we pay for certain types of contents for an event is set out below. ; ; AA Insurance contents ; Adjustable event limits of $5,000 for jewellery and $10,000 for works of art under its published standard contents information. What items do I need to specify on my contents policy? ; ; NZI Distinction ; Up to $100,000 per artwork item and $100,000 in total for unspecified jewellery and watches, subject to policy terms. Distinction Contents InsuranceDistinction Contents Insurance / Policy wording

What the primary source says: Standard contents event limits: jewellery $5,000; art $10,000, adjustable. Limited Contents differs.

[AA Insurance: item specification limits and wording](https://www.aainsurance.co.nz/help/article/360001232455-What-items-do-I-need-to-specify-on-my-contents-policy) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/3253efab-c841-4e04-a8f7-b0d97863d876.json)

### Sum insured and settlement · Gemini

Verdict: unclear.

What the answer said: 4. Valuation and Sum Insured (Inflation & Replacement Costs) The Issue: Rebuilding or replacing items can sometimes carry a freight/supply premium in regional areas like Southland compared to main centers. What to check: Make sure you choose Sum Insured or Replacement Value carefully. Under-insuring your belongings can lead to "average" clauses being applied, meaning payouts are proportionally reduced if you are under-insured. Take a thorough inventory of high-value items (like electronics, jewellery, or collections), as standard policies often cap payouts for specific categories unless they are explicitly "specified" on your policy schedule.

What the primary source says: Reviewed guidance/wordings show sums and sub-limits; prevalence of proportional average clauses is not established.

[ICNZ: house/contents settlement guidance; then named insurer wordings](https://www.icnz.org.nz/individuals/house-contents/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/04bbea46-c1c1-4f1b-98e1-fae265fa99b0.json)

### Sum insured and settlement · Google AI Mode

Verdict: unclear.

What the answer said: Sum Insured vs. Underinsurance: Most policies require you to pick a total "sum insured" for your contents. If you undervalue your belongings (e.g., estimating $30,000 when replacing everything would actually cost $60,000), many insurers apply the "average" rule, reducing your payout proportionally. Take time to do a proper room-by-room inventory.

What the primary source says: Reviewed guidance/wordings show sums and sub-limits; prevalence of proportional average clauses is not established.

[ICNZ: house/contents settlement guidance; then named insurer wordings](https://www.icnz.org.nz/individuals/house-contents/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/04bbea46-c1c1-4f1b-98e1-fae265fa99b0.json)

### Legal rights and redress · Gemini

Verdict: correct.

What the answer said: 1. The Hidden Lifesaver for Renters: Legal Liability Beyond replacing your clothes, furniture, or tech, standard New Zealand contents policies include Legal Liability cover (typically $1 million to $2 million). Why it matters: If you accidentally cause major damage to the rental property (e.g., a kitchen fire gets out of hand, or an overflowing bath damages the floorboards and the flat downstairs), the landlord or their insurance company can legally chase you for the costs. The Residential Tenancies Act: While tenants are generally only liable for up to four weeks’ rent or the landlord’s insurance excess (whichever is lower) for careless damage, intentional damage or damage caused by unlawful acts leaves you entirely exposed. Legal liability cover protects you from bankruptcy if a major accident happens.

What the primary source says: Careless tenant damage: lower of four weeks rent or applicable landlord excess; statutory exceptions apply.

[Tenancy Services: tenant liability and Residential Tenancies Act](https://www.tenancy.govt.nz/maintenance-and-inspections/repairs-and-damages/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/17f39db9-c04c-4c20-a59c-982a0b3e25c3.json)

### Legal rights and redress · AI Overviews

Verdict: unclear.

What the answer said: The Real Value Isn't Just Your Couch: Contents insurance is often less about your old TV and more about two critical things : 1. Catastrophe Replacement: If a kitchen fire or major burst pipe ruins every single item of clothing, your bed, and your appliances, could you afford to buy a brand-new bed, fridge, and work clothes tomorrow without going into debt? If the answer is no, a low-tier policy acts as a vital safety net. 2. Tenant Liability Cover: Most NZ contents policies include third-party liability. Under New Zealand tenancy law, if you accidentally cause careless damage to the rental property (e.g., leaving a bath running or causing a kitchen fire), you can be held liable up to four weeks’ rent or the landlord’s insurance excess. Liability protection inside a contents policy covers you if you accidentally cause a massive property bill.

What the primary source says: Careless tenant damage: lower of four weeks rent or applicable landlord excess; statutory exceptions apply.

[Tenancy Services: tenant liability and Residential Tenancies Act](https://www.tenancy.govt.nz/maintenance-and-inspections/repairs-and-damages/) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/17f39db9-c04c-4c20-a59c-982a0b3e25c3.json)

### Legal rights and redress · Gemini

Verdict: correct.

What the answer said: Key details about the EDR process: Timeframes: You generally must lodge your complaint with the scheme within 3 months of receiving the insurer's deadlock letter (or after a reasonable timeframe—usually about two months—if the insurer goes silent). Jurisdiction limits: These schemes can typically investigate claims up to a financial limit of $500,000 (plus GST). Binding Outcomes: If the Ombudsman or scheme adjudicator rules in your favor, their decision is binding on the insurer (meaning they must comply), but it is not binding on you. If you are still unsatisfied, you retain your right to pursue the matter through the courts.

What the primary source says: Three months requires written final decision plus deadline notice; exceptional extension is possible.

[NZ Legislation: approved dispute scheme rules, 2024](https://www.legislation.govt.nz/regulation/public/2024/0031/latest/whole.html) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/7b1d04da-56c3-4c82-8e0e-2a7926471f47.json)

### Legal rights and redress · Gemini

Verdict: correct.

What the answer said: Key details about the EDR process: Timeframes: You generally must lodge your complaint with the scheme within 3 months of receiving the insurer's deadlock letter (or after a reasonable timeframe—usually about two months—if the insurer goes silent). Jurisdiction limits: These schemes can typically investigate claims up to a financial limit of $500,000 (plus GST). Binding Outcomes: If the Ombudsman or scheme adjudicator rules in your favor, their decision is binding on the insurer (meaning they must comply), but it is not binding on you. If you are still unsatisfied, you retain your right to pursue the matter through the courts.

What the primary source says: Lump-sum direct compensation ordinarily capped at $500,000 plus GST if applicable, subject to scheme jurisdiction.

[NZ Legislation: approved dispute scheme rules, 2024](https://www.legislation.govt.nz/regulation/public/2024/0031/latest/whole.html) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/7b1d04da-56c3-4c82-8e0e-2a7926471f47.json)

### Legal rights and redress · AI Overviews

Verdict: unclear.

What the answer said: If your claim remains unresolved and is under $500,000 , you can escalate it to an independent, free consumer dispute scheme. Your insurer must tell you which of the four approved schemes they belong to: … If your claim value exceeds the $500,000 threshold or you decline the Ombudsman's decision, you can pursue legal channels:

What the primary source says: Lump-sum direct compensation ordinarily capped at $500,000 plus GST if applicable, subject to scheme jurisdiction.

[NZ Legislation: approved dispute scheme rules, 2024](https://www.legislation.govt.nz/regulation/public/2024/0031/latest/whole.html) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/7b1d04da-56c3-4c82-8e0e-2a7926471f47.json)

### Legal rights and redress · Google AI Mode

Verdict: correct.

What the answer said: Jurisdiction Limits: These external schemes typically handle consumer disputes up to a certain financial limit (often up to $ 500 , 000 ). Their decisions (Recommendations or Bindings/Awards) are binding on the insurer if you accept them, but do not take away your right to go to court.

What the primary source says: Lump-sum direct compensation ordinarily capped at $500,000 plus GST if applicable, subject to scheme jurisdiction.

[NZ Legislation: approved dispute scheme rules, 2024](https://www.legislation.govt.nz/regulation/public/2024/0031/latest/whole.html) · 2026-10-12.

[Original captured answers](https://nzbrands.ai/data/insurance-home-contents/editions/1/answers/7b1d04da-56c3-4c82-8e0e-2a7926471f47.json)

## Method and evidence

[Read the method](https://nzbrands.ai/research/insurance/home-contents-insurance/method)

[Explore the evidence](https://nzbrands.ai/research/insurance/home-contents-insurance/evidence)

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