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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

If another earthquake damages my Canterbury house and belongings, do I deal with my insurer or the Natural Hazards Commission?

In New Zealand, if another earthquake damages your Canterbury home and belongings, you would generally contact your private insurer first. Your insurer and the Natural Hazards Commission Toka Tū Ake (NHC, formerly EQC) have different roles, but your insurer will usually coordinate the claim.

The key distinction is that natural hazard cover is provided through the NHC scheme for eligible losses, while your private insurance covers the remaining insured losses under your policy.

Who covers what?

Type of damage Who to contact
Your house, including structural damage Your private home insurer, which usually manages the NHC claim too
Furniture, appliances, clothing and other belongings Your private contents insurer
Eligible residential land damage Your home insurer, which can coordinate the NHC portion

NHC provides the first layer of cover for eligible residential building damage and limited residential land damage. Your private policy generally covers eligible building costs above the NHC limit, subject to its terms. Ordinary household contents are not covered by the current NHCover scheme, so contents claims generally go through your private contents insurance. About natural hazards cover :: Natural Hazards Commission Toka Tū AkeClaims process :: Natural Hazards Commission Toka Tū Ake

What should you do after another earthquake?

  1. Check safety first. Stay away from damaged structures and follow Civil Defence advice.
  2. Contact your insurer promptly to lodge a claim for your house and belongings.
  3. Photograph the damage before moving or clearing items, if it is safe to do so. Keep receipts and records of damaged belongings.
  4. Ask your insurer before starting urgent repairs, where possible. Keep receipts for necessary work to make the house safe, secure, sanitary and weathertight. Claims process :: Natural Hazards Commission Toka Tū AkeMake a new claim :: Natural Hazards Commission Toka Tū Ake

When should you contact NHC directly?

Contact the Natural Hazards Commission if your insurer does not work with NHC, you are a direct NHCover customer, or your claim falls into one of the specific categories NHC manages directly. You can call 0800 DAMAGE (0800 326 243) from within New Zealand. Contact us :: Natural Hazards Commission Toka Tū AkeOur partnership with insurers :: Natural Hazards Commission Toka Tū Ake

Official information: NHC — Making a new claim.

One important Canterbury-specific distinction: if you mean new damage from a future earthquake, the usual process above applies. If you mean previously undiscovered damage from the 2010–2011 Canterbury earthquake sequence, that is a different situation, and NHC has a separate process for reviewing historical claims. Canterbury earthquake building claims :: Natural Hazards Commission Toka Tū AkeGetting your claim reviewed :: Natural Hazards Commission Toka Tū Ake

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

If another earthquake damages my Canterbury house and belongings, do I deal with my insurer or the Natural Hazards Commission?

If an earthquake damages your home and belongings, you deal with your private insurance company.

Even though the Natural Hazards Commission (NHC — formerly EQC) provides government-backed natural disaster cover for residential property, most private insurers act as agents for the NHC.

How the process works depends on what has been damaged:

1. Your House (Residential Building and Land)

  • Who to contact: Contact your private house insurer.
  • How it works: Your private insurer will lodge, assess, and manage both your private insurance claim and your NHC claim (up to the statutory cap) as a single, streamlined process. They act as your single point of contact from start to finish.

2. Your Belongings (Residential Contents)

  • Who to contact: Contact your private contents insurer.
  • How it works: Contents damage is handled entirely through your private policy. (Note that the NHC/EQCover does not cover personal contents, vehicles, trailers, or boats).

Exceptions where you deal directly with the NHC

You would only deal directly with the Natural Hazards Commission (via 0800 DAMAGE or their website) in rare instances, such as if:

  • Your private insurer does not partner with the NHC.
  • You hold a special "Direct NHCover" policy.
  • You are dealing with an open legacy claim dating back to before 30 June 2021.

Immediate Steps to Take After an Earthquake:

  1. Ensure safety: Check yourself and others for injuries, and make sure your home is structurally safe.
  2. Document the damage: Take clear photos and videos of all damage to your house and belongings before you clean up or throw things away (unless items are perishable or unsafe).
  3. Make emergency repairs: You can arrange urgent repairs to make your home safe, sanitary, and weather-tight—just be sure to keep receipts and check with your insurer first if possible.
  4. File your claim promptly: Contact your insurance company as soon as practical following the event.

Would you like to know more about what specific types of damage or caps are covered under NHC and private house policies?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

If another earthquake damages my Canterbury house and belongings, do I deal with my insurer or the Natural Hazards Commission?

AI Overview

You deal directly with your private house insurer (or broker), who acts as the single point of contact to manage both your contents and your building/land claim on behalf of the Natural Hazards Commission Toka Tū Ake (NHC).

Under the Natural Hazards Insurance Act 2023, the claim process is streamlined so you do not need to file separately with the government commission unless your insurer does not partner with them or you hold a direct policy.

Category Who Pays / Covers Primary Contact & Management Key Limit / Notes
House / Building NHC (1st layer) + Private Insurer (top-up) Private Insurer NHC covers up to $300,000 + GST per event; insurer covers balance up to sum insured.
Belongings / Contents Private Contents Insurer Private Insurer Handled entirely under your personal contents policy (no NHC involvement).
Residential Land NHC (statutory limits) Private Insurer Limited defined land cover only; not top-upable by private insurance.

What to do immediately after an event

  1. Ensure safety first and follow civil defense or official local instructions.

  2. Document everything by taking clear photos and videos of structural damage and broken contents before undertaking any cleanup.

  3. Make urgent safety repairs only after consulting your insurer or if necessary to prevent further immediate loss.

  4. Lodge online or by phone via your insurer's disaster claims hub.

If you'd like, let me know:

  • Your insurer or broker name

  • Whether you are dealing with minor cosmetic cracks vs. major structural/land issues

I can outline specific documentation checklists or explain how the excess structure applies.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

If another earthquake damages my Canterbury house and belongings, do I deal with my insurer or the Natural Hazards Commission?

If an earthquake damages your home and belongings, you generally deal with your private insurance company first , even though part of your cover is provided by the government.

Here is how the process works between your insurer and the Natural Hazards Commission Toka Tū Ake (formerly known as EQC):

  • Your Private Insurer is the Single Point of Contact: For standard claims, you should contact your private insurance company or broker to lodge your claim. Most private insurers partner with the Natural Hazards Commission Toka Tū Ake to manage and settle claims seamlessly on behalf of both parties.

  • How the Cover is Split: Your private insurance policy includes government-backed NHCover (for residential building and land damage up to statutory caps) as well as your private policy (which covers contents, extra house value above the cap, and other extended benefits). Your insurer manages both layers together so you don't have to file two separate, disconnected claims.

  • When to Contact the NHC Directly: You would only contact the Natural Hazards Commission Toka Tū Ake Claims Page directly if your private insurer does not partner with the NHC, your building has more than 10 units, or you meet specific niche criteria like being overseas. [Natural Hazards Commission Toka Tū Ake]

If you'd like, I can share:

  • The current statutory cap limits for building damage under NHCover.
  • Tips on what documentation and photos to gather immediately after an earthquake.
Ask anything

Captured 11 October 2026