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Evidence · Home and contents insurance

Every question, every answer, every source

Explore all 372 home and contents insurance questions and the 1,476 answers saved on 11 October 2026. Read the original responses and download the tables behind the study’s comparisons, sources, sentiment and factual checks.

questions
372
answers saved, of 1488 planned
1476
consumer situations
12
named regions
16
AI platforms
4

01

Every question, with its answers

Each question went to the four AI platforms. All were collected with a New Zealand setting. Open a question to read every captured answer in full.

Showing 20 of 372 questions

Show all 372

02

The tables behind the study

Every figure on the study page comes from these tables. They are CSV files, which open in any spreadsheet.

  • Questions

    questions.csv

    One row per question, with its exact saved wording.

    Question ID, source references, question, consumer situation, named regions, question group and collection setting

    372rows

    Download questions (CSV)

  • Answers

    answers.csv

    One row per captured answer, with its full text.

    Answer ID, question ID, platform, collection setting, consumer situation, named regions and full answer

    1,476rows

    Download answers (CSV)

  • Sources by answer

    sources.csv

    One row per website recorded as a source of an answer.

    Answer ID, question ID, assistant, collection setting, website and publisher type

    9,014rows

    Download sources by answer (CSV)

  • Checks against primary sources

    checks.csv

    One row per stated assertion checked, for one platform.

    Check, question and answer IDs, assistant, exact passage, verdict, primary-source finding, URL and date

    97rows

    Download checks against primary sources (CSV)

  • Consumer recommendation coding

    consumer-recommendation-coding.csv

    One row per reviewed provider role in a consumer-selection answer.

    Answer ID, question ID, consumer, platform, provider, role, counted recommendation, exact passage and conditions

    659rows

    Download consumer recommendation coding (CSV)

  • Consumer selection membership

    consumer-selection-membership.csv

    One row per answer in the matched consumer-selection comparison.

    Answer ID, question ID, consumer, platform, question group and full text; twelve home and twelve contents selection questions, with missing captures preserved

    94rows

    Download consumer selection membership (CSV)

  • Ongoing support coding

    support-coding.csv

    One row per reviewed named-provider role in an eligible support answer.

    Answer ID, question ID, consumer, platform, provider, role, support-preference decision and exact passage

    75rows

    Download ongoing support coding (CSV)

  • Ongoing support membership

    support-membership.csv

    One row per answer in the actual consumer-support group.

    Answer ID, question ID, consumer, platform, question group and full text; acquisition validation is excluded

    71rows

    Download ongoing support membership (CSV)

  • Regional recommendation coding

    regional-recommendation-coding.csv

    One row per reviewed provider role in a region-named selection answer.

    Answer ID, question ID, named consumer region, platform, provider, recommendation decision and exact passage

    1,017rows

    Download regional recommendation coding (CSV)

  • Regional selection membership

    regional-selection-membership.csv

    One row per answer in the matched regional comparison.

    Answer ID, question ID, named consumer region, platform and equal-comparison membership; four home and three contents platform answers per region

    112rows

    Download regional selection membership (CSV)

  • Insurer sentiment

    insurer-sentiment.csv

    One row per unique saved claim about an insurer in a selection answer.

    Claim, question and answer IDs, insurer, saved stance, exact passage and original-answer offsets

    3,828rows

    Download insurer sentiment (CSV)

  • Recorded source URLs

    source-urls.csv

    One row per recorded answer, website and URL association.

    Answer ID, question ID, platform, website, URL, source records and presence in the captured answer text

    13,048rows

    Download recorded source urls (CSV)

  • Matched consumer platform membership

    platform-membership.csv

    One row per answer in the identical-question platform comparison.

    Answer ID, question ID, product, consumer and platform; 22 identical questions per platform

    88rows

    Download matched consumer platform membership (CSV)

  • Matched regional platform membership

    regional-platform-membership.csv

    One row per answer in the identical-question regional platform comparison.

    Answer ID, question ID, product, region and platform; 31 identical questions per platform

    124rows

    Download matched regional platform membership (CSV)

Use these tables to trace findings back to the original questions and answers. The full text of each answer is also on this page, under its question.

03

Read in full and checked

Some answers were read in detail or checked against official sources. Those appear on the study page, beside the findings they support.

ChatGPT · New Zealand

We put a new shed and a trampoline in the garden. Do we need to tell our house insurer, and are they covered?

In New Zealand, it’s a good idea to tell your house insurer about both the new shed and the trampoline. Whether they’re covered depends on your insurer, your policy wording, and how the shed is constructed and used.

There are two separate things to check: whether your policy covers damage to the new items themselves, and whether it covers accidents or damage involving the trampoline.

1. Is the shed covered?

Usually, a permanent garden shed may be covered.

Many NZ house policies include outbuildings such as sheds and garages. For example, AA Insurance expressly includes these in its definition of the insured home. However, temporary structures and some types of sheds may be excluded. Home Insurance PolicyHouseowners

  • Check whether your policy covers the shed's construction and replacement value.
  • Tell your insurer if it is a new structure, particularly if it has increased the cost of rebuilding your property.
  • Ask whether your house's sum insured needs to increase.

2. Is the trampoline covered?

Don't assume the trampoline is covered.

A trampoline is generally a movable recreational item rather than a permanent building. Whether it is insured may depend on your contents policy, if you have one, and its exclusions.

  • Damage to the trampoline: Check whether your contents policy covers it against events such as storms, theft or accidental damage.
  • Injuries to visitors: Ask whether your policy's personal or legal liability cover applies if someone is injured using it, and whether any trampoline-specific conditions apply.

3. What should you do now?

The Insurance Council of New Zealand recommends telling your insurer about relevant changes to your property and checking whether improvements affect your cover. Not disclosing information your insurer requires can affect a future claim. Duty of Disclosure: What to Tell Your InsurerHouse & Contents Insurance: Sum Insured Explained

Contact your insurer and ask these three questions:

  1. Is my new garden shed covered for its full replacement cost, including storm and natural hazard damage?
  2. Is my trampoline covered under my house or contents policy, and what exclusions apply?
  3. Do I need to update my sum insured or meet any safety requirements for the trampoline?

You can also read the Insurance Council of New Zealand's guidance on what to tell your insurer.

I can help you check your specific cover

Which insurance company are you with? For example, AMI, State, AA Insurance, Tower or another provider.

If you tell me the insurer, I can look up its current policy wording to help establish what's covered for both the shed and the trampoline.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

We put a new shed and a trampoline in the garden. Do we need to tell our house insurer, and are they covered?

Adding a new shed and a trampoline to your property is an exciting backyard upgrade, but it does affect your insurance position. In New Zealand, how these are covered depends heavily on their value, whether they are fixed in place, and how your specific policy defines outbuildings.

1. Do you need to tell your house insurer?

  • The Short Answer: It is strongly recommended—and often a requirement—to let them know, especially if the shed adds significant value to your property.
  • The Sum Insured Factor: Most New Zealand house insurance policies operate on a "sum insured" basis (the total estimated cost to rebuild your home and its outbuildings if they were completely destroyed). If you add a costly or large permanent shed, it increases the total replacement value of your property. If you don't factor it into your sum insured, you risk being underinsured.
  • The Trampoline Factor: Trampolines are generally viewed as movable personal property rather than structural additions, so they rarely require an update to your house sum insured. However, adding high-risk play equipment can sometimes impact liability or contents details.

2. Are they covered?

Whether they are covered depends on how they are classified under your policy:

Item How it is typically covered Key things to watch out for
Garden Shed House (Building) or Contents Insurance:
• Permanently fixed or built-in sheds usually fall under your House Insurance as an outbuilding.
• Portable or small free-standing sheds that can be easily moved might sometimes fall under Contents Insurance.		 • Building Consent: If the shed required a building consent under local council rules (e.g., if it's over a certain size or has plumbing/electricity) and doesn't have one, insurers may decline a claim.
• Contents inside: The tools or gear inside the shed are typically protected by your Contents insurance, not your House policy.
Trampoline Contents Insurance:
Because trampolines are movable and not permanently attached to the land, they are generally classified as outdoor items under a Contents Insurance policy rather than House insurance.		 • Storm Damage & Liability: If a heavy windstorm picks up your trampoline and throws it into your fence or your neighbor's property, your contents or house liability cover usually handles the resulting damage. It is wise to anchor it down securely to prevent this.

Recommended Next Steps

  1. Check your policy wording or give your insurer a quick call to let them know about the new shed.
  2. Review your total sum insured to ensure the value of the shed is accounted for so you aren't caught out by underinsurance.
  3. Check your contents policy to verify that outdoor items and any valuable tools stored in the shed are adequately covered.

Would you like to know what specific details New Zealand insurers usually look for when calculating a home sum insured?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

We put a new shed and a trampoline in the garden. Do we need to tell our house insurer, and are they covered?

AI Overview

Yes, you should notify your insurer about both items to ensure you are fully protected, as they fall under different sections of your insurance policy and can affect your overall coverage limits.

The breakdown below outlines how New Zealand insurers typically handle sheds and trampolines, along with the immediate actions you should take:

Insurance Coverage Breakdown

Item Insurance Policy Type Coverage Rules & Sub-Limits Do You Need to Tell Them?
New Shed House Insurance (as an "Outbuilding") Permanently fixed sheds are typically covered under your main house policy as outbuildings. However, removable/kitset sheds may sometimes fall under your contents insurance. Insurers often place a value cap (e.g., $10,000) on outbuildings unless specified otherwise. Yes. You must ensure your total Sum Insured (the maximum your policy pays to rebuild your property) is high enough to include the cost of the new shed.
Trampoline Contents Insurance (as "Contents in the Open") Trampolines are treated as personal property kept outdoors. They are subject to your policy's "unfixed items" or "garden contents" sub-limits , which are usually much lower than standard indoor contents limits. Yes. You need to verify that your contents policy doesn't explicitly exclude trampolines and that your "contents in the open" limit covers its replacement value.

Key Legal & Policy Conditions in New Zealand

  • Domestic Use Only: The shed is only covered under a standard residential policy if it is used strictly for domestic purposes (e.g., storing tools or a lawnmower). If you run a business out of it or place it on a commercial/lifestyle block, it requires a different type of cover.

  • Building Consents: While many standard garden sheds in NZ do not require a formal building consent, your insurance policy requires the structure to comply with all local council regulations and building exemptions to remain valid.

  • Liability Risks: If a severe Kiwi storm catches your trampoline and throws it into a neighbor's house or car, your Legal Liability (usually included in your contents or house policy) will handle the third-party damage—provided the insurer knows you have it and it was reasonably secured.

  • Theft Requirements: Most NZ insurers require that any tools or items stored inside the new shed are only covered against theft if the shed is fitted with a lock and shows signs of forced entry.

📋 Recommended Next Steps

  1. Calculate the new values: Work out the total replacement cost of the shed and the trampoline.

  2. Contact your provider: Phone your insurer or log into your online portal to update your House Sum Insured amount to reflect the added value of the shed.

  3. Secure the trampoline: Ensure the trampoline is properly anchored to the ground to mitigate storm risk, as failing to take reasonable care can prejudice future claims.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

We put a new shed and a trampoline in the garden. Do we need to tell our house insurer, and are they covered?

Adding a new shed and a trampoline changes your property setup, so it is wise to understand how New Zealand insurers handle them:

Do you need to tell your insurer?

  • The Shed: Whether you need to declare it depends on its size, value, and permanence. Small, unattached, movable kitset sheds often fall under general outbuilding or contents definitions. However, if it is a large, high-value, permanently built, or plumbed/wired structure (or if it significantly increases your total property rebuilding/sum insured value), you should notify your provider and check if it affects your house sum insured. Crucially, if the shed required a building consent under local council rules, insurers generally expect it to be legally compliant.

  • The Trampoline: You typically do not need to proactively call your insurer just to log that you bought a standard trampoline, as it is considered movable outdoor equipment/recreational gear rather than a structural change to your home.

Are they covered?

  • The Shed (Home vs. Contents Cover):

  • Permanently fixed outbuildings and structural sheds are usually covered under your House (Building) Insurance policy.

  • Small, free-standing, or portable sheds that can be easily removed may sometimes fall under your Contents Insurance or standard outbuilding sub-limits. Make sure your total sum insured reflects their value.

  • The Trampoline (Contents Cover & Liability):

  • A trampoline is generally considered outdoor personal property, meaning damage to the trampoline itself (e.g., from a storm) would fall under your Contents Insurance policy (if you hold one), subject to your policy's excess and storm/sudden damage definitions.

  • If a massive gust of wind picks up your trampoline and damages your neighbour’s fence, car, or roof, your Contents Insurance liability cover can often step in to help cover that accidental damage. (Tip: Always tie down or anchor your trampoline securely ahead of severe weather warnings, as insurers look closely at whether preventable steps were taken).

If you'd like, let me know:

  • How big or expensive the shed is (and whether it’s permanent/fixed)
  • Which insurance company you are with

I can help you check their specific guidelines regarding outbuildings and outdoor gear.

Ask anything

Captured 11 October 2026