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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

One of our kids takes their laptop and sports gear to school. Would our normal contents insurance cover those things away from home?

In New Zealand, your normal contents insurance may cover your child’s laptop and sports gear while they’re at school, but it depends on your insurer and the policy wording. Cover away from home isn’t always automatic, and laptops can be treated differently from ordinary personal belongings.

Here’s what to check before relying on your policy.

What could be covered?

  • Laptop: It may be covered if stolen or accidentally damaged at school, but accidental loss (for example, leaving it on the bus) may be treated differently.
  • Sports gear: Items such as boots, a sports bag, a hockey stick or a tennis racket may qualify as contents away from home. Some policies have special limits or exclusions for sporting equipment.
  • Theft from school: Cover may depend on whether the item was stolen from a locked changing room, an unattended bag or another location, and whether reasonable care was taken.
  • Excess and limits: Even if a claim is covered, the excess and any limit for individual items could reduce the payout. How to get the best house and contents insuranceContents Insurance PolicyMAS Contents Insurance

What should you check?

Look in your policy wording for these terms:

  • “Contents temporarily removed from the home”
  • “Personal effects” or “portable valuables”
  • “Accidental loss” and “theft”
  • Any specific exclusions or limits for laptops and sports equipment

For example, AMP offers optional portable valuables cover that specifically includes laptops and sporting equipment, while some other insurers include broader cover for belongings away from home. Contents Insurance - Get A Quote And Buy OnlineContents & Equipment Insurance Policy Wording

My recommendation: Ask your insurer to confirm in writing whether your child’s laptop and sports gear are covered during the school day, including theft from a changing room and accidental loss.

I can help check your specific policy

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

If you tell me the insurer (and the policy name, if you know it), I can look up the relevant New Zealand policy wording and explain what it says about school belongings.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

One of our kids takes their laptop and sports gear to school. Would our normal contents insurance cover those things away from home?

In New Zealand, whether your normal contents insurance covers a child's laptop and sports gear away at school depends entirely on your specific policy's "temporarily removed" or "portable valuables" clauses.

While many comprehensive New Zealand policies do extend coverage outside the home, they often come with distinct rules and limitations:

1. The Type of Policy and "Away from Home" Limits

  • Comprehensive vs. Basic Policies: Higher-tier or comprehensive policies often cover your contents anywhere in New Zealand (including at school or sports grounds) up to the full sum insured or a generous sub-limit. Basic or budget policies, however, may only cover items inside the physical house, or place strict caps (e.g., a $1,000 to $5,000 total limit) on items taken away from the property.
  • Accidental Damage vs. Fire/Theft: If a laptop is dropped or a sports bat is snapped by accident, basic policies might not cover it unless you have an accidental damage extension included or selected for items away from home.

2. Single-Item and Category Limits

Even if your policy covers items away from home, check for sub-limits:

  • Laptops and Technology: Laptops often fall under home office equipment or portable valuables. Some policies have a maximum payout limit per individual unspecified item (e.g., $1,000 or $2,000). If your child's laptop is worth more than that limit, you may need to "specify" it on your policy.
  • Sports Gear: High-value gear (such as specialized hockey kits, cricket gear, or expensive bicycles) can also be subject to category caps or require separate listing.

3. Exclusions to Keep in Mind

  • Unattended Items: Most insurers require items like laptops to be kept secure (e.g., locked in a school locker or classroom, or under direct supervision). If a laptop is left completely unattended in a public space or an unsecure area, a claim could be declined.
  • School vs. Personal Ownership: Policies generally cover items owned by members of the household. If the laptop is actually owned or leased directly by the school, the school may hold its own insurance, though you should verify who is liable for loss or damage.

Recommended Next Step

Check your policy wording or call your provider and ask two quick questions: "Does my policy cover portable items like a laptop and sports gear when taken to school?" and "Are there any maximum sub-limits for unspecified items away from home?"

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

One of our kids takes their laptop and sports gear to school. Would our normal contents insurance cover those things away from home?

AI Overview

Yes, your standard contents insurance will generally cover your child's laptop and sports gear away from home , provided the loss or damage occurs within New Zealand.

Most major New Zealand insurers—such as AA Insurance, Tower Insurance, and AMI—automatically include "temporarily removed" or "away from home" cover in their comprehensive policies. This means everyday items your family takes out of the house (like school bags, laptops, and sporting equipment) are protected against sudden, accidental loss, damage, or theft.

However, there are three critical details you should verify in your specific policy wording:

1. Standard Policies vs. Low-Tier Policies

Comprehensive policies automatically bundle this protection. If you have a budget or "limited" contents tier (for example, AA Limited Contents or basic market-value policies), away-from-home cover or accidental electronics damage may not be automatic. In those cases, mobile phones and laptops often require you to add an optional, extra benefit.

2. Specific Item Limits

Even on full comprehensive policies, insurers place maximum payout caps on "portable valuables" or specific categories:

  • Laptops and Tech: Many standard policies cap unspecified electronics or individual portable items at a certain threshold (e.g., $1,000 to $3,000 per item). If your child's laptop is a high-spec gaming machine or expensive MacBook Pro exceeding that limit, you must explicitly list it as a specified item on your policy to be covered for its full value.

  • Sports Gear: Items like high-end bikes or specialized sporting equipment also carry specific sub-limits per item (often around $3,000).

3. Exclusions to Keep in Mind

Insurance only steps in for sudden and accidental events (like a laptop getting stolen from a locker or dropped down the stairs). It will not cover :

  • General wear and tear or schoolyard cosmetic scratches.

  • Mechanical or electrical breakdown (e.g., the laptop hard drive simply stops working).

  • Unforced theft from an unsecured, open area (insurers generally look for evidence of forced entry if left in a vehicle or a school locker).

Next Steps

Take five minutes to log into your insurer's online dashboard or check your Policy Schedule. Look at the "Unspecified items limits" for electrical goods and sports gear. If the replacement cost of the laptop or gear is higher than those limits, call your provider to add them as specified items. Keep in mind that making a claim will still require you to pay your standard policy excess.

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Captured 11 October 2026

Google AI Mode · New Zealand

One of our kids takes their laptop and sports gear to school. Would our normal contents insurance cover those things away from home?

In New Zealand , whether your standard contents insurance covers a laptop and sports gear away from school depends entirely on your specific insurer and policy wording. However, standard policies generally handle day-to-day items under specific conditions:

  • General Domestic Cover: Many New Zealand insurers (such as AA Insurance or Tower) provide baseline cover for personal belongings that you or your family members wear, carry, or take out of the home temporarily anywhere within New Zealand.

  • Laptops and Electronics: Laptops are usually covered against sudden and accidental loss or theft (like if it's stolen from a school locker or bag). However, check your policy for a specified item limit or portable item sub-limits , as high-value electronics sometimes require you to list them separately on the policy to get full replacement value.

  • Sports Gear: Sporting equipment is typically covered for accidental damage or theft while away from home, but keep an eye out for exclusions. For instance, damage that happens while actively using the sports gear (like a snapped expensive carbon-fibre hockey stick or dented gear during a game) might be excluded or subject to a high excess, whereas theft from a school ground or car usually isn't.

  • The Excess Trap: If a claim is approved, remember that your standard excess will apply. If the laptop screen cracks or the sports gear is worth $300 and your excess is $400, it won't be financially viable to claim.

If you want to check your exact standing, let me know:

  • Who your insurer is (e.g., AA Insurance, AMI, State, Tower, MAS)
  • Whether your policy is a comprehensive or limited/basic contents package

I can help you pinpoint what to look for in your specific policy wording document.

Ask anything

Captured 11 October 2026