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P02 · one of twelve consumer profiles

First home and first cover

“We are buying our first house and arranging home and contents insurance for the first time.”

questions
12
captured answers
48
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-P02-H-01

    Understanding the need

    I'm about to buy my first home and have never purchased house insurance. Where do I begin?

    4 answersRead the answers to S-P02-H-01

  • S-P02-H-02

    Choosing cover

    Explain in plain English what I should check in my first NZ house policy wording.

    4 answersRead the answers to S-P02-H-02

  • S-P02-H-03

    Comparing insurers

    Which NZ insurers should a first-home buyer consider without assuming the bank's option is best?

    4 answersRead the answers to S-P02-H-03

  • S-P02-H-04

    Buying and switching

    I have three house quotes but don't know how to choose. Walk me through the decision.

    4 answersRead the answers to S-P02-H-04

  • S-P02-C-01

    Understanding the need

    I've never insured my belongings before. How do I tell if contents insurance is worthwhile?

    4 answersRead the answers to S-P02-C-01

  • S-P02-C-02

    Choosing cover

    Explain excesses, single-item limits and replacement cover for a first-time contents buyer.

    4 answersRead the answers to S-P02-C-02

  • S-P02-C-03

    Comparing insurers

    Which NZ contents insurers are straightforward for somebody arranging their first policy?

    4 answersRead the answers to S-P02-C-03

  • S-P02-C-04

    Buying and switching

    I have my first contents quotes. What must I compare before I buy?

    4 answersRead the answers to S-P02-C-04

  • M-T04-H-P02

    Comparing insurers

    I'm buying my first house and haven't arranged house insurance before. Which NZ house insurers should I look at?

    4 answersRead the answers to M-T04-H-P02

  • M-T04-C-P02

    Comparing insurers

    I'm getting contents insurance for the first time. Which NZ contents insurers should I look at?

    4 answersRead the answers to M-T04-C-P02

  • DP-P02-C-A

    Buying and switching

    I'm getting contents insurance for the first time and don't have much money left each month. How do I work out what I can afford?

    4 answersRead the answers to DP-P02-C-A

  • DP-P02-H-K

    Ongoing support

    I've just bought my first home and rain has come through the ceiling. I've never made a house claim before. What do I do?

    4 answersRead the answers to DP-P02-H-K
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
  • AA Insurance8 of 8 answers
  • AMI7 of 8 answers
  • State7 of 8 answers
  • MAS7 of 8 answers
  • FMG6 of 8 answers
  • Trade Me Insurance4 of 8 answers
  • Initio3 of 8 answers
  • NZI2 of 8 answers
  • AMP1 of 8 answers
  • Cove1 of 8 answers
  • Vero1 of 8 answers
  • ANZ Insurance1 of 8 answers
  • Westpac Insurance1 of 8 answers
  • ASB Insurance1 of 8 answers
  • BNZ Insurance1 of 8 answers

  • ChatGPT

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AA Insurance
    • AMI
    • State
    • MAS
    • FMG
    • Trade Me Insurance
    • Initio (never named)
    • NZI
    • AMP (never named)
    • Cove
    • Vero
    • ANZ Insurance (never named)
    • Westpac Insurance (never named)
    • ASB Insurance (never named)
    • BNZ Insurance (never named)

  • Gemini

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AA Insurance
    • AMI
    • State
    • MAS
    • FMG
    • Trade Me Insurance
    • Initio
    • NZI (never named)
    • AMP
    • Cove (never named)
    • Vero (never named)
    • ANZ Insurance (never named)
    • Westpac Insurance (never named)
    • ASB Insurance (never named)
    • BNZ Insurance (never named)

  • Google AI Mode

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AA Insurance
    • AMI
    • State
    • MAS
    • FMG
    • Trade Me Insurance (never named)
    • Initio
    • NZI (never named)
    • AMP (never named)
    • Cove (never named)
    • Vero (never named)
    • ANZ Insurance
    • Westpac Insurance
    • ASB Insurance
    • BNZ Insurance

  • AI Overviews

    2 of 2 answers

    recommended at least one named insurer

    • Tower
    • AA Insurance
    • AMI
    • State
    • MAS
    • FMG
    • Trade Me Insurance
    • Initio
    • NZI (never named)
    • AMP (never named)
    • Cove (never named)
    • Vero (never named)
    • ANZ Insurance (never named)
    • Westpac Insurance (never named)
    • ASB Insurance (never named)
    • BNZ Insurance (never named)
03 · Home insurer choice

Home insurance: which insurers AI recommended

4 captured answers to “I'm buying my first house and haven't arranged house insurance before. 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.
ConsumerTowerAA InsuranceAMIStateMASFMGInitioTrade Me InsuranceNZIVeroANZ InsuranceWestpac InsuranceASB InsuranceBNZ Insurance
First home and first cover
04 · Contents insurer choice

Contents insurance: which insurers AI recommended

4 captured answers to “I'm getting contents insurance for the first time. 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 InsuranceStateMASFMGTrade Me InsuranceNZIAMPCove
First home and first cover
05 · What AI told this household

The recommendations and the reasons behind them.

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

The ongoing-support group contains 4 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

33%insurer websites

Had sources12of 12

Showed you a link12of 12

  1. 1consumer.org.nz, consumer & industry groups,cited in 12 answers12
  2. 2icnz.org.nz, consumer & industry groups,cited in 8 answers8
  3. 3bnz.co.nz, insurer websites,cited in 5 answers5
  4. 4consumerprotection.govt.nz, government,cited in 5 answers5
  5. 5nzi.co.nz, insurer websites,cited in 5 answers5
  6. 6ami.co.nz, insurer websites,cited in 4 answers4
  7. 7asb.co.nz, insurer websites,cited in 4 answers4
  8. 8canstar.co.nz, comparison & tools,cited in 4 answers4
  9. 9mas.co.nz, insurer websites,cited in 4 answers4
  10. 10naturalhazards.govt.nz, government,cited in 3 answers3

Gemini

58%insurer websites

Had sources8of 12

Showed you a link0of 12

  1. 1ami.co.nz, insurer websites,cited in 4 answers4
  2. 2moneyhub.co.nz, comparison & tools,cited in 4 answers4
  3. 3tower.co.nz, insurer websites,cited in 4 answers4
  4. 4aainsurance.co.nz, insurer websites,cited in 3 answers3
  5. 5canstar.co.nz, comparison & tools,cited in 3 answers3
  6. 6amp.co.nz, insurer websites,cited in 2 answers2
  7. 7icnz.org.nz, consumer & industry groups,cited in 2 answers2
  8. 8quashed.co.nz, comparison & tools,cited in 2 answers2
  9. 9bnz.co.nz, insurer websites,cited in 1 answers1
  10. 10calculate.co.nz, other,cited in 1 answers1

Google AI Mode

31%comparison & tools

Had sources9of 12

Showed you a link2of 12

  1. 1consumer.org.nz, consumer & industry groups,cited in 5 answers5
  2. 2quashed.co.nz, comparison & tools,cited in 3 answers3
  3. 3aainsurance.co.nz, insurer websites,cited in 2 answers2
  4. 4canstar.co.nz, comparison & tools,cited in 2 answers2
  5. 5icnz.org.nz, consumer & industry groups,cited in 2 answers2
  6. 6mas.co.nz, insurer websites,cited in 2 answers2
  7. 7moneyhub.co.nz, comparison & tools,cited in 2 answers2
  8. 8buildersbusiness.co.nz, other,cited in 1 answers1
  9. 9calculate.co.nz, other,cited in 1 answers1
  10. 10clearwaterspouting.co.nz, other,cited in 1 answers1

AI Overviews

41%insurer websites

Had sources9of 12

Showed you a link4of 12

  1. 1initio.co.nz, insurer websites,cited in 6 answers6
  2. 2tower.co.nz, insurer websites,cited in 6 answers6
  3. 3canstar.co.nz, comparison & tools,cited in 5 answers5
  4. 4moneyhub.co.nz, comparison & tools,cited in 5 answers5
  5. 5quashed.co.nz, comparison & tools,cited in 5 answers5
  6. 6aainsurance.co.nz, insurer websites,cited in 4 answers4
  7. 7ami.co.nz, insurer websites,cited in 4 answers4
  8. 8consumer.org.nz, consumer & industry groups,cited in 4 answers4
  9. 9asiainsurancereview.com, other,cited in 3 answers3
  10. 10fmg.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. 38 of 48 answers have recorded sources.