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

For a fairly typical New Zealand family that owns its home and wants to insure both the house and its contents, I’d start by comparing Tower, AA Insurance and AMI.

They’re established options with mainstream home and contents policies, and they give you a useful starting point for comparing premiums, excesses and the cover you actually get. Consumer NZ’s February 2026 comparison includes all three. Best house and contents insuranceHow to get the best house and contents insurance

The three insurers I’d compare first

1. Tower Insurance

Why start here: A useful benchmark for comparing different levels of cover, with three house-insurance options available. Compare House Insurance NZ - Quote & Buy Online

Get a quote: Tower house insurance

2. AA Insurance

Why compare it: A mainstream alternative for home and contents, with online quotes and a member discount for eligible AA members. NZ Home and Contents Insurance Online Quotes

Get a quote: AA home and contents insurance

3. AMI Insurance

Why compare it: Another widely available option, giving you a useful price and policy comparison against Tower and AA. AMI is underwritten by IAG New Zealand. Home Insurance NZ 2026: Providers ComparedInsurance Data Collection - Finity Consulting

Get a quote: AMI Insurance

How to compare them fairly

Don’t choose on the annual premium alone. Use the same house details and cover requirements for all three, then compare:

  • Rebuild cover: Is the sum insured realistic for rebuilding your home, including demolition and professional fees?
  • Natural hazards: What applies to earthquake, flood, landslip and storm damage? Check exclusions and excesses.
  • Temporary accommodation: How much will the insurer contribute if your family can’t live in the house?
  • Contents: Are your furniture, appliances, electronics, bikes and valuables adequately covered?
  • Excess: What would you need to pay yourself for a typical claim?
  • Claims service: Look at customer satisfaction and how claims are handled, not just price. How to get the best house and contents insuranceCompare House Insurance NZ 2026

My recommendation: Get quotes from all three using identical details. There’s no single cheapest or best insurer for every NZ home; the property’s location, construction and natural-hazard exposure can make a significant difference.

One question that would help me tailor the shortlist: do you own your home, or are you renting? That changes which type of cover you need.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

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

When shopping for home cover as a typical New Zealand family, it helps to compare insurers that balance comprehensive protection with competitive pricing, clear policy structures, and reliable claims handling.

The three insurers worth comparing first represent different strengths in the New Zealand market:

  • Tower is a strong starting point for competitive, flexible sum-insured policies with transparent risk-based pricing and tiered options (Standard, Plus, and Premium).
  • AMI is a major mainstream choice well-known for extensive branch support, strong customer networks, and helpful add-ons like temporary accommodation and sustainability upgrade allowances.
  • MAS (Medical Assurance Society) offers a distinct alternative if you are eligible to join, as they provide full area replacement cover rather than a fixed sum insured limit, protecting you against unexpected spikes in building costs.

If you would like, I can outline specific questions to ask these insurers about natural hazard excesses or sum-insured calculators to ensure your family home is properly protected.

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

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

AI Overview

For a typical Kiwi family comparing home insurance, the three brands you should get quotes from first are AMI , Tower , and AA Insurance.

Because the New Zealand general insurance market is heavily dominated by two massive parent companies—IAG New Zealand (which owns AMI and State) and Suncorp Group (which owns AA Insurance and Vero)—comparing these three distinct brands gives you a quick, highly representative snapshot of the best pricing and policy features available across the entire country.

A baseline comparison of the top three providers highlights their distinct advantages for a family household:

Insurer Key Strengths Best For
AMI • Largest market footprint
• Offers unlimited rebuild costs strictly for fire damage
• High temporary accommodation limits ($30,000) Families looking for robust, multi-policy safety nets
Tower • NZX-listed independent company
• Industry leader in address-specific, risk-based pricing
• Frequent recipient of the Canstar Insurer of the Year award Tech-savvy families who want tailored, data-driven online quotes
AA Insurance • Backed by Suncorp and the NZ AA
• Generous multi-policy and member discounts
• Consistently ranks high in national customer service awards Families who value trusted client service and claim simplicity

Key Policy Variations to Check:

  • Sum Insured vs. Area Replacement: Most insurers use a Sum Insured model, meaning they only pay out up to a fixed dollar cap that you set. If you want a policy that pays the actual cost to rebuild regardless of post-disaster inflation, look into niche or premium alternatives like MAS (Medical Assurance Society), which is highly rated for full area-replacement.

  • The "One Event" Excess: Ensure the insurers you select will only charge you a single excess if a single event (like a major storm) damages both your house and your contents simultaneously.

To help narrow down your options, could you tell me if your property sits in an area prone to flooding or coastal hazards , or if you plan to bundle your car and contents with the policy?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

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

When comparing home cover as a typical Kiwi family, it's wise to look at a mix of high-satisfaction mutual/specialist insurers, major direct-market leaders with strong customer service records, and innovative digital challengers.

Based on market data, consumer satisfaction rankings (such as Consumer NZ), and general popularity across New Zealand, comparing these three distinct insurers first provides a comprehensive baseline:

  1. AA Insurance — Consistently one of the most popular and frequently searched direct insurers in New Zealand. They generally score well for customer service, transparent claims handling, and straightforward policy wording, making them a strong benchmark for everyday family cover.
  2. MAS (Medical Assurance Society) or FMG — In Consumer NZ's Insurance Satisfaction Survey, member-focused and mutual organizations like MAS and FMG routinely top customer satisfaction ratings (with MAS often leading house insurance satisfaction around 76%). While MAS has specific eligibility criteria (traditionally professional or tertiary-educated groups, though widely inclusive now), FMG serves rural and regional communities exceptionally well. If you qualify for either, their service and policy quality are standout benchmarks.
  3. Tower Insurance — A major player in the Kiwi household market known for offering flexible digital tools (like easy online calculators and adjustable sum-insured or fixed-cap models). Comparing Tower gives you a good look at modern risk-based pricing and modular policy options.

Note: You can also run your details through a comparison aggregator like Quashed Market Scan or check independent overviews on MoneyHub NZ to see how regional risk factors (like your specific location's weather or hazard profiles) affect quotes.

To help narrow down which policies or additional extras (like temporary accommodation limits or excess levels) suit your household best, tell me:

  • Is your home in a high-risk natural hazard zone (e.g., specific flood-prone or coastal areas, or Wellington/Hutt Valley)?
  • Do you also want to bundle contents or car insurance for a multi-policy discount?
Ask anything

Captured 11 October 2026