P08 · one of twelve consumer profiles

Flood exposure

“Our home has flooded before and we are worried about the next event.”

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-P08-H-01
Choosing cover
My house is in a flood-prone area in NZ. How should that change my shortlist of home insurers?
4 answersRead the answers to S-P08-H-01
S-P08-H-02
Choosing cover
We live somewhere that floods. What's the difference between the flood cover offered by NZ house insurers?
4 answersRead the answers to S-P08-H-02
S-P08-H-03
Choosing cover
Building costs have gone up since we last insured our house. Should we increase our sum insured?
4 answersRead the answers to S-P08-H-03
S-P08-H-04
Buying and switching
Which evidence should determine my final home insurer choice when flood excesses vary a lot?
4 answersRead the answers to S-P08-H-04
S-P08-C-01
Choosing cover
I live in a ground-floor property that has flooded before. What contents protection should I look for?
4 answersRead the answers to S-P08-C-01
S-P08-C-02
Choosing cover
Which contents policy clauses matter most when water enters a home during severe weather?
4 answersRead the answers to S-P08-C-02
S-P08-C-03
Choosing cover
I'm worried we could lose all our belongings in a flood. How do we work out how much contents cover we need?
4 answersRead the answers to S-P08-C-03
S-P08-C-04
Buying and switching
What questions should I ask different contents insurers about flood restrictions before choosing?
4 answersRead the answers to S-P08-C-04
M-T04-H-P08
Comparing insurers
My house is in an area that has flooded before. Which NZ house insurers should I look at?
4 answersRead the answers to M-T04-H-P08
M-T04-C-P08
Comparing insurers
My home has had flooding before and I worry about our belongings. Which NZ contents insurers should I look at?
4 answersRead the answers to M-T04-C-P08
DP-P08-C-A
Buying and switching
We've had flooding near our home before and our contents premium has become very expensive. What options do we have if we still want decent cover?
4 answersRead the answers to DP-P08-C-A
DP-P08-H-K
Ongoing support
We accepted a payout after our house flooded, but builders have now found more damage. Can we ask the insurer to reopen the claim?
4 answersRead the answers to DP-P08-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
AMI8 of 8 answers
State8 of 8 answers
AA Insurance7 of 8 answers
MAS5 of 8 answers
FMG4 of 8 answers
NZI3 of 8 answers
Initio2 of 8 answers
Trade Me Insurance2 of 8 answers
AMP1 of 8 answers

ChatGPT
2 of 2 answers
recommended at least one named insurer
- Tower
- AMI
- State
- AA Insurance
- MAS
- FMG
- NZI (never named)
- Initio
- Trade Me Insurance
- AMP
Gemini
2 of 2 answers
recommended at least one named insurer
- Tower
- AMI
- State
- AA Insurance
- MAS
- FMG (never named)
- NZI (never named)
- Initio (never named)
- Trade Me Insurance (never named)
- AMP (never named)
Google AI Mode
2 of 2 answers
recommended at least one named insurer
- Tower
- AMI
- State
- AA Insurance
- MAS (never named)
- FMG
- NZI
- Initio (never named)
- Trade Me Insurance (never named)
- AMP (never named)
AI Overviews
2 of 2 answers
recommended at least one named insurer
- Tower
- AMI
- State
- AA Insurance
- MAS
- FMG
- NZI
- Initio
- Trade Me Insurance
- AMP (never named)

03 · Home insurer choice

Home insurance: which insurers AI recommended

4 captured answers to “My house is in an area that has flooded 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.
Consumer	Tower	AMI	State	AA Insurance	MAS	Initio	NZI	FMG	Trade Me Insurance	AMP
Flood exposure

04 · Contents insurer choice

Contents insurance: which insurers AI recommended

4 captured answers to “My home has had flooding before and I worry about our belongings. 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.
Consumer	Tower	AMI	AA Insurance	State	FMG	MAS	Trade Me Insurance	NZI
Flood exposure

05 · What AI told this household

The recommendations and the reasons behind them.

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