# Flood exposure

Home and contents insurance · Consumer profiles · P08

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

[Back to the study](https://nzbrands.ai/research/insurance/home-contents-insurance#situations)

| Measure | Value |
| --- | --- |
| questions | 12 |
| captured answers | 48 |
| AI platforms | 4 |
| collected | 11 October 2026 |

## Read what this household asked.

### 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?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/8124c5c3-47cf-4b63-b236-27a4b1f59681.md)

### S-P08-H-02: Choosing cover

We live somewhere that floods. What's the difference between the flood cover offered by NZ house insurers?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/280bd4fa-3dc7-41b0-afd3-b7eef0d15363.md)

### S-P08-H-03: Choosing cover

Building costs have gone up since we last insured our house. Should we increase our sum insured?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/f96d7d36-10b4-4a19-a661-90bbc339d92c.md)

### S-P08-H-04: Buying and switching

Which evidence should determine my final home insurer choice when flood excesses vary a lot?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/8b92817b-25f1-44ad-870e-9e4f719b95ba.md)

### S-P08-C-01: Choosing cover

I live in a ground-floor property that has flooded before. What contents protection should I look for?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/34198725-78c7-4be7-a202-b9a3eaa8def9.md)

### S-P08-C-02: Choosing cover

Which contents policy clauses matter most when water enters a home during severe weather?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/5b450ff5-17e2-4007-a1e7-687a27fe1ba6.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/9ed3801a-9349-49bd-9d56-cf018158adb8.md)

### S-P08-C-04: Buying and switching

What questions should I ask different contents insurers about flood restrictions before choosing?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/ddbc36d8-23ef-40b4-89ce-a607c17910f1.md)

### M-T04-H-P08: Comparing insurers

My house is in an area that has flooded before. Which NZ house insurers should I look at?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/b9199067-fb1d-47de-a0d0-95a23ca52fa7.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/2627d676-70b6-466c-b2f1-c7145d674c80.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/9f964385-af8a-4787-87cb-d7c7d96fb014.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/82104bea-6646-4843-b595-9626fd251325.md)

## Which insurers AI recommended to this household

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

| Insurer | Answers | Total |
| --- | --- | --- |
| Tower | 8 | 8 |
| AMI | 8 | 8 |
| State | 8 | 8 |
| AA Insurance | 7 | 8 |
| MAS | 5 | 8 |
| FMG | 4 | 8 |
| NZI | 3 | 8 |
| Initio | 2 | 8 |
| Trade Me Insurance | 2 | 8 |
| AMP | 1 | 8 |

## 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?”

| Topic | Insurer | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Flood exposure | Tower | 4 | 4 | 7 | 6 | 0 | 1 |
| Flood exposure | AMI | 4 | 4 | 6 | 4 | 0 | 1 |
| Flood exposure | State | 4 | 4 | 5 | 3 | 0 | 1 |
| Flood exposure | AA Insurance | 3 | 4 | 4 | 3 | 0 | 1 |
| Flood exposure | MAS | 3 | 4 | 4 | 1 | 1 | 0 |
| Flood exposure | Initio | 2 | 4 | 2 | 2 | 0 | 0 |
| Flood exposure | NZI | 2 | 4 | 4 | 1 | 0 | 0 |
| Flood exposure | FMG | 1 | 4 | 2 | 2 | 0 | 0 |
| Flood exposure | Trade Me Insurance | 1 | 4 | 0 | 1 | 0 | 0 |
| Flood exposure | AMP | 1 | 4 | 0 | 1 | 0 | 0 |

## 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?”

| Topic | Insurer | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Flood exposure | Tower | 4 | 4 | 5 | 5 | 1 | 1 |
| Flood exposure | AMI | 4 | 4 | 4 | 4 | 0 | 1 |
| Flood exposure | AA Insurance | 4 | 4 | 6 | 5 | 1 | 0 |
| Flood exposure | State | 4 | 4 | 4 | 3 | 0 | 1 |
| Flood exposure | FMG | 3 | 4 | 2 | 1 | 0 | 0 |
| Flood exposure | MAS | 2 | 4 | 1 | 1 | 0 | 0 |
| Flood exposure | Trade Me Insurance | 1 | 4 | 1 | 0 | 0 | 0 |
| Flood exposure | NZI | 1 | 4 | 0 | 1 | 0 | 1 |

## 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.

ChatGPT: “I’d start by comparing these established providers and asking each one to assess your exact address.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/b9199067-fb1d-47de-a0d0-95a23ca52fa7.md) · Answer ID: 33c4fd9e-c24a-4a29-82e3-1fef0f6598d6

Gemini: “Getting an online quote will quickly show you how they view your specific location's risk profile and what excesses or premiums apply.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/b9199067-fb1d-47de-a0d0-95a23ca52fa7.md) · Answer ID: 1a6c3079-0900-42a0-aa66-f773a9b14337

Google AI Mode: “Getting a quote online gives you an immediate look at how they grade your specific location's risk profile.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/b9199067-fb1d-47de-a0d0-95a23ca52fa7.md) · Answer ID: 0ee7df05-8343-4f4e-8589-b0a72e37826a

AI Overviews: “**Tower Insurance** : Tower was the first in NZ to publicly roll out individual property flood-risk rating tools.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/b9199067-fb1d-47de-a0d0-95a23ca52fa7.md) · Answer ID: ad243509-9987-46b0-86cf-b0ed2df00b81

ChatGPT: “- AA Insurance — offers contents cover options that include events such as storm and flood, with policy limits and conditions to check carefully. [AA Insurance](https://www.aainsurance.co.nz/contents-insurance?utm_source=chatgpt.com)”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/2627d676-70b6-466c-b2f1-c7145d674c80.md) · Answer ID: 50d5ff06-ca17-49b3-bdef-a68e9837e555

Gemini: “Because they evaluate risk down to the specific property level, they are transparent about how flood risk impacts your cost.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/2627d676-70b6-466c-b2f1-c7145d674c80.md) · Answer ID: d2070be7-48e9-423c-ab58-f5c1d7448382

Google AI Mode: “Known for digital-first risk-mapping tools and flexible policy tiers, making it straightforward to check how your specific location's hazard profile alters your quotes.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/2627d676-70b6-466c-b2f1-c7145d674c80.md) · Answer ID: 872c5984-6fd3-4880-b77b-061dd6c49b9e

AI Overviews: “They evaluate your specific address for river and rainfall flooding using sophisticated data models.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/2627d676-70b6-466c-b2f1-c7145d674c80.md) · Answer ID: e859343c-1f49-4072-8439-7e778d17a5b5

ChatGPT: “Yes — **in New Zealand, you can ask your insurer to reopen or review a house-flooding claim after accepting a payout, particularly if builders have discovered additional damage that was not identified when the original settlement was agreed.** Whether the insurer must reconsider the claim depends on the circumstances and the terms of your settlement.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/82104bea-6646-4843-b595-9626fd251325.md) · Answer ID: 9f860c25-1c15-4c40-bd70-715d205be9a4

## 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

| Website | Answers with this website recorded |
| --- | --- |
| naturalhazards.govt.nz | 10 |
| consumer.org.nz | 9 |
| aainsurance.co.nz | 6 |
| nzi.co.nz | 6 |
| icnz.org.nz | 4 |
| legislation.govt.nz | 4 |
| theguardian.com | 4 |
| consumerprotection.govt.nz | 3 |
| state.co.nz | 3 |
| bnz.co.nz | 2 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| quotehub.co.nz | 4 |
| moneyhub.co.nz | 3 |
| naturalhazards.govt.nz | 3 |
| amp.co.nz | 2 |
| initio.co.nz | 2 |
| tower.co.nz | 2 |
| aainsurance.co.nz | 1 |
| ami.co.nz | 1 |
| buildersandcontractors.co.nz | 1 |
| cab.org.nz | 1 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| consumer.org.nz | 3 |
| icnz.org.nz | 3 |
| initio.co.nz | 3 |
| naturalhazards.govt.nz | 3 |
| smiths.net.nz | 3 |
| tower.co.nz | 3 |
| harristate.co.nz | 2 |
| insurspy.co.nz | 2 |
| moneyhub.co.nz | 2 |
| nzi.co.nz | 2 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| tower.co.nz | 9 |
| insurspy.co.nz | 7 |
| ami.co.nz | 6 |
| easymovefurnitureremovals.co.nz | 6 |
| initio.co.nz | 6 |
| moneyhub.co.nz | 6 |
| quotehub.co.nz | 6 |
| quashed.co.nz | 5 |
| ajg.co.nz | 4 |
| instagram.com | 4 |

A website counts once per answer, however many times the answer used it. 44 of 48 answers have recorded sources.

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