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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

Can I buy and manage NZ home insurance entirely online, or will I need to call?

Yes — in New Zealand, you can buy and manage home insurance entirely online with several major insurers. You generally won't need to call, provided your property and circumstances fit the insurer's standard online application process.

You can typically get a quote, choose your cover, pay premiums, download policy documents, update details and, with many providers, lodge claims online. Home Insurance - get a quote and buy onlineHome insuranceWhat Can I Do Online?

New Zealand insurers with online options

AA Insurance

Get a home insurance quote and buy online. Its My AA Insurance portal lets you renew, view documents, pay and update policy details. Some tasks, such as cancelling a policy, require a phone call. Home Insurance - get a quote and buy onlineManage your policy

Get a quote · Manage your policy

State Insurance

Its website and app support online quotes, buying cover, policy changes, payments and claims. What Can I Do Online?

Explore online services

ASB

Get a quote and manage home insurance through ASB's mobile banking app or FastNet Classic internet banking. This is particularly convenient if you already bank with ASB. Home Insurance - Get a quote and apply online

Explore ASB home insurance

BNZ

Its online IAG dashboard supports quotes, purchases, payments, changes to sums insured and excesses, and downloading policy documents. Home insurance

Explore BNZ home insurance

When might you still need to call?

You may need extra help if:

  • Your home has unusual construction, is heritage-listed or has a non-standard risk profile.
  • You need clarification about flood, earthquake or other natural-hazard cover.
  • The insurer needs more information before accepting your application.
  • You want to make a change that isn't supported through its online portal.

These are possible exceptions rather than requirements for everyone. How to get the best house and contents insuranceICNZ Consumer Guide 2025

My recommendation

Start with an online quote and check the policy wording before paying. In particular, compare the rebuild sum insured, natural-hazard cover, excesses and exclusions — not just the premium.

If you tell me one thing, I can narrow this down: do you want home insurance for a house you own and live in, or a rental/investment property? That can affect which online options are suitable.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Can I buy and manage NZ home insurance entirely online, or will I need to call?

Yes, you can buy and manage New Zealand home insurance entirely online.

Major Kiwi insurers (such as AA Insurance, Tower, AMI, and State) and bank-partnered providers allow you to complete the entire process digitally:

  • Buying: You can generate quotes, calculate your recommended sum insured using online building calculators, customize your policy options, and pay via credit card or direct debit to activate your policy immediately without ever picking up the phone.
  • Managing: Most insurers offer self-service customer portals (such as My Tower, My AMI, or MyVero) or mobile apps. Through these accounts, you can view policy documents, update your personal details, change payment methods, adjust coverage limits, and lodge or track claims online.

Exceptions where you might need to call:
While standard properties can easily be insured online, you may be prompted to call or speak with an agent if your situation involves non-standard complexities, such as:

  • Homes with unique heritage listings or unusual architectural construction materials.
  • Properties with a history of recent storm, flood, or landslip damage, or those located in high-risk hazard zones requiring manual underwriting.
  • Commercial-residential mixes or lifestyle blocks with extensive agricultural/farm building requirements.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Can I buy and manage NZ home insurance entirely online, or will I need to call?

AI Overview

Yes, you can buy and manage home insurance entirely online in New Zealand without ever needing to make a phone call. Nearly all of the country’s major general insurers provide digital-first pipelines for quotes, purchasing, and ongoing policy maintenance.

Where to Buy and Manage Online

Major providers allow you to completely bypass the phone via dedicated web portals or mobile apps:

  • Tower Insurance: Allows you to purchase Tower House Insurance online. You can fully update billing, adjust your sum insured, choose excesses, and log claims 24/7 through the My Tower portal.

  • AMI Insurance: Offers a complete digital experience via the AMI Home Insurance platform and the My AMI app, including digital claim tracking and policy renewals.

  • State Insurance: Promotes a "no small talk" approach where quotes, immediate coverage, and policy management happen entirely within My State or the State app.

  • Cove & Initio: These are "digital-first" insurance providers built specifically for online-only workflows. Both Cove and Initio offer rapid online quoting, instant policy active dates, and self-service customer dashboards.

  • Major Banks: Providers like ANZ Home Insurance (via MyVero), ASB, and Westpac (partnered with Tower) also offer comprehensive end-to-end digital processing.

⚠️ When You Might Still Need to Call

While the standard process is fully automated, automated online systems may trigger a "referral to underwriting"—meaning you will have to call or email a human agent—if your property falls into any of these categories:

  1. High Natural Hazard Risk: If the property is located in a severe flood plain, coastal inundation zone, or highly active earthquake zone, automated quoting systems may decline to provide an instant online policy.

  2. Non-Standard Construction: Homes with unconventional building materials, heritage listings, or a sum-insured value exceeding standard system limits (typically over $1.5–2 million) often require manual assessment.

  3. Cancellations or Special Changes: For some legacy providers, complex mid-term policy changes (like changing a physical house address under an existing policy) or complete policy cancellations still require contacting support.

If your home is a standard residential property, you can easily complete the entire process digitally from your phone or computer.

If you have a specific property in mind, would you like help checking how to calculate your sum insured online or finding out what specific policy exclusions to watch out for?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

Can I buy and manage NZ home insurance entirely online, or will I need to call?

Yes, you can buy and manage New Zealand home insurance entirely online without needing to make a phone call for standard properties. Most major insurers in Aotearoa (such as Tower Insurance NZ, AA Insurance, and State Insurance NZ) feature digital self-service platforms.

Here is how the digital process generally works:

  • Getting a Quote: You can use online calculators and address-lookup tools to input your property details, specifications, and desired sum insured to generate an instant quote.

  • Purchasing the Policy: You can select your coverage tier, adjust excesses, input payment details, and bind/pay for the policy directly through the website.

  • Ongoing Management: Customer portals and mobile apps allow you to update your details, view policy documents, change payment methods, renew policies, and lodge or track claims digitally. [State Insurance NZ]

When you might still need to call:

  • Non-standard, high-value, heritage, or complex properties (e.g., homes with unique structural quirks, extensive land damage history, or values exceeding standard online underwriting limits) may trigger a referral that requires a conversation with an underwriter. [State Insurance NZ]

If you have a specific property type or you're wondering about a particular insurer's online portal, let me know and I can provide more tailored details.

Ask anything

Captured 11 October 2026