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P01 · one of twelve consumer profiles

Everyday household

“We own an ordinary family home and have everyday belongings.”

questions
12
captured answers
46
AI platforms
4
collected
11 October 2026
01 · Questions and answers

Read what this household asked.

Open a question to compare the complete captured answers about home or contents insurance.

  • S-P01-H-01

    Comparing insurers

    We're a fairly typical NZ family buying home cover. Which three insurers should we compare first?

    4 answersRead the answers to S-P01-H-01

  • S-P01-H-02

    Choosing cover

    We care about sensible cover rather than the cheapest home premium. Which terms are most important?

    4 answersRead the answers to S-P01-H-02

  • S-P01-H-03

    Buying and switching

    What trade-offs would make you prefer one NZ house insurer over another for a normal owner-occupied home?

    4 answersRead the answers to S-P01-H-03

  • S-P01-H-04

    Ongoing support

    Our house renewal is due and nothing major has changed. How should we decide whether to stay?

    4 answersRead the answers to S-P01-H-04

  • S-P01-C-01

    Comparing insurers

    We have an ordinary family home and everyday belongings. Which NZ contents insurers should we shortlist?

    4 answersRead the answers to S-P01-C-01

  • S-P01-C-02

    Choosing cover

    What limits are most important for a typical family's furniture, electronics and personal items?

    4 answersRead the answers to S-P01-C-02

  • S-P01-C-03

    Buying and switching

    How should a normal household choose between two similar contents quotes?

    3 answersRead the answers to S-P01-C-03

  • S-P01-C-04

    Ongoing support

    At annual renewal, how can we check that our contents policy is still fit for purpose?

    3 answersRead the answers to S-P01-C-04

  • M-T04-H-P01

    Comparing insurers

    We own an ordinary family home and just want sensible cover. Which NZ house insurers should I look at?

    4 answersRead the answers to M-T04-H-P01

  • M-T04-C-P01

    Comparing insurers

    We have everyday family belongings and want sensible cover. Which NZ contents insurers should I look at?

    4 answersRead the answers to M-T04-C-P01

  • DP-P01-H-A

    Buying and switching

    Our mortgage costs more than it used to and our house insurance is up for renewal. How can we keep it affordable without losing important cover?

    4 answersRead the answers to DP-P01-H-A

  • DP-P01-C-V

    Choosing cover

    One of our kids takes their laptop and sports gear to school. Would our normal contents insurance cover those things away from home?

    4 answersRead the answers to DP-P01-C-V
02 · Insurers recommended

Which insurers AI recommended to this household

Across 4 home and 4 contents selection answers. The separate product comparisons follow below.

Answers recommending each insurer, out of 8

  • Tower8 of 8 answers
  • AMI8 of 8 answers
  • AA Insurance8 of 8 answers
  • State8 of 8 answers
  • FMG5 of 8 answers
  • MAS4 of 8 answers
  • Initio4 of 8 answers
  • Trade Me Insurance3 of 8 answers
  • AMP2 of 8 answers
  • Cove2 of 8 answers

  • ChatGPT

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AMI
    • AA Insurance
    • State
    • FMG
    • MAS
    • Initio
    • Trade Me Insurance
    • AMP (never named)
    • Cove

  • Gemini

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AMI
    • AA Insurance
    • State
    • FMG
    • MAS
    • Initio
    • Trade Me Insurance (never named)
    • AMP
    • Cove (never named)

  • Google AI Mode

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AMI
    • AA Insurance
    • State
    • FMG (never named)
    • MAS
    • Initio
    • Trade Me Insurance
    • AMP
    • Cove (never named)

  • AI Overviews

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AMI
    • AA Insurance
    • State
    • FMG
    • MAS
    • Initio
    • Trade Me Insurance
    • AMP (never named)
    • Cove
03 · Home insurer choice

Home insurance: which insurers AI recommended

4 captured answers to “We own an ordinary family home and just want sensible cover. Which NZ house insurers should I look at?”

Showing all four assistants · 4 answers

Home insurance: which insurers AI recommended: for each consumer and insurer, the share of answers recommended for the insurer and how the claims about it split, across all four assistants.
ConsumerTowerAMIAA InsuranceStateMASFMGInitio
Everyday household
04 · Contents insurer choice

Contents insurance: which insurers AI recommended

4 captured answers to “We have everyday family belongings and want sensible cover. Which NZ contents insurers should I look at?”

Showing all four assistants · 4 answers

Contents insurance: which insurers AI recommended: for each consumer and insurer, the share of answers recommended for the insurer and how the claims about it split, across all four assistants.
ConsumerTowerAMIAA InsuranceStateTrade Me InsuranceFMGAMPCoveMASInitio
Everyday household
05 · What AI told this household

The recommendations and the reasons behind them.

Home insurance: AA Insurance was recommended in 4 of 4 answers; AMI was recommended in 4 of 4 answers; State was recommended in 4 of 4 answers; Tower was recommended in 4 of 4 answers; FMG was recommended in 3 of 4 answers.

Contents insurance: AA Insurance was recommended in 4 of 4 answers; AMI was recommended in 4 of 4 answers; State was recommended in 4 of 4 answers; Tower was recommended in 4 of 4 answers; Trade Me Insurance was recommended in 3 of 4 answers.

The ongoing-support group contains 7 saved answers about an existing policy or claim. None prefers a named insurer to provide that support.

06 · Sources

Where the answers to this household came from

The websites each assistant drew on, and what kind of publisher they are. Pick a question group to compare the websites.

ChatGPT

37%insurer websites

Had sources12of 12

Showed you a link12of 12

  1. 1consumer.org.nz, consumer & industry groups,cited in 10 answers10
  2. 2nzi.co.nz, insurer websites,cited in 8 answers8
  3. 3icnz.org.nz, consumer & industry groups,cited in 7 answers7
  4. 4aainsurance.co.nz, insurer websites,cited in 6 answers6
  5. 5mas.co.nz, insurer websites,cited in 6 answers6
  6. 6ami.co.nz, insurer websites,cited in 5 answers5
  7. 7naturalhazards.govt.nz, government,cited in 5 answers5
  8. 8tower.co.nz, insurer websites,cited in 5 answers5
  9. 9canstar.co.nz, comparison & tools,cited in 4 answers4
  10. 10compare.org.nz, comparison & tools,cited in 4 answers4

Gemini

41%insurer websites

Had sources10of 12

Showed you a link0of 12

  1. 1moneyhub.co.nz, comparison & tools,cited in 6 answers6
  2. 2quashed.co.nz, comparison & tools,cited in 3 answers3
  3. 3vero.co.nz, insurer websites,cited in 3 answers3
  4. 4ami.co.nz, insurer websites,cited in 2 answers2
  5. 5amp.co.nz, insurer websites,cited in 2 answers2
  6. 6canstar.co.nz, comparison & tools,cited in 2 answers2
  7. 7tower.co.nz, insurer websites,cited in 2 answers2
  8. 8aainsurance.co.nz, insurer websites,cited in 1 answers1
  9. 9consumer.org.nz, consumer & industry groups,cited in 1 answers1
  10. 10consumerprotection.govt.nz, government,cited in 1 answers1

Google AI Mode

37%comparison & tools

Had sources10of 10

Showed you a link5of 10

  1. 1consumer.org.nz, consumer & industry groups,cited in 5 answers5
  2. 2moneyhub.co.nz, comparison & tools,cited in 4 answers4
  3. 3insurspy.co.nz, comparison & tools,cited in 2 answers2
  4. 4quashed.co.nz, comparison & tools,cited in 2 answers2
  5. 5quotehub.co.nz, comparison & tools,cited in 2 answers2
  6. 6aainsurance.co.nz, insurer websites,cited in 1 answers1
  7. 7amp.co.nz, insurer websites,cited in 1 answers1
  8. 8cab.org.nz, consumer & industry groups,cited in 1 answers1
  9. 9canstar.co.nz, comparison & tools,cited in 1 answers1
  10. 10capitalfinance.nz, other,cited in 1 answers1

AI Overviews

32%insurer websites

Had sources9of 12

Showed you a link3of 12

  1. 1moneyhub.co.nz, comparison & tools,cited in 6 answers6
  2. 2quashed.co.nz, comparison & tools,cited in 6 answers6
  3. 3aainsurance.co.nz, insurer websites,cited in 5 answers5
  4. 4ami.co.nz, insurer websites,cited in 5 answers5
  5. 5canstar.co.nz, comparison & tools,cited in 5 answers5
  6. 6consumer.org.nz, consumer & industry groups,cited in 5 answers5
  7. 7quotehub.co.nz, comparison & tools,cited in 5 answers5
  8. 8tower.co.nz, insurer websites,cited in 5 answers5
  9. 9insurspy.co.nz, comparison & tools,cited in 4 answers4
  10. 10coveinsurance.co.nz, insurer websites,cited in 3 answers3
  • Insurer websites
  • Government
  • News
  • Comparison & tools
  • Consumer & industry groups
  • Businesses
  • Social media
  • Other

A website counts once per answer, however many times the answer used it. 41 of 46 answers have recorded sources.