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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

I live in Gisborne and need contents insurance. Which companies should I get quotes from?

Emerre & Hathaway Insurance Brokers, Out East Insurance Solutions, Aon Gisborne

For contents insurance in Gisborne, I’d get quotes from a mix of the large national insurers and at least one broker. Prices and policy details can vary a lot depending on your home type, flood/storm risk, security, excess, and the value of your belongings. Consumer NZ

Insurers worth getting quotes from

Local brokers in Gisborne to ask for comparisons

A broker can compare multiple insurers and may be useful if you have higher-value belongings, a lifestyle block, unusual risks, or want help with claims.

  • Emerre & Hathaway Insurance Brokers
  • Out East Insurance Solutions
  • Aon Gisborne
  • GFS Insurance + Mortgages
  • Rothbury Insurance Brokers Gisborne

When comparing quotes, check these specifically

  • Flood, storm and natural hazard wording — important in parts of the East Coast.
  • Replacement value vs market value — especially for electronics, furniture and appliances.
  • High-value item limits — jewellery, bikes, tools, collectibles, cameras, etc.
  • Excess options — a cheaper premium may come with a much higher excess.
  • Temporary accommodation cover — useful if your home becomes uninhabitable.
  • Accidental damage cover — not all basic policies are equal. interest.co.nz

A practical shortlist to start with would be: AMI, AA Insurance, Tower, State, FMG (if relevant), plus one Gisborne broker. That should give you a good spread of pricing and policy styles. Consumer NZ

If you tell me whether you rent or own, your approximate contents value (e.g., $50k/$100k/$200k+), and whether you’re in a standard home, flat, or rural property, I can suggest which quotes are most worth prioritising.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in Gisborne and need contents insurance. Which companies should I get quotes from?

When looking for contents insurance in Gisborne, it is best to get quotes from several major New Zealand providers. Because Gisborne can experience distinct regional weather patterns and natural hazard risks, comparing multiple insurers ensures you find a balance of comprehensive coverage, appropriate limits, and competitive pricing.

Consider getting quotes from the following providers:

  • Tower Insurance: Frequently recognized for home and contents awards, Tower offers flexible online policies (Standard, Plus, and Premium) with features like new-for-old replacement and handy multi-policy discounts.
  • State Insurance: Known for comprehensive standard perks, State provides robust nationwide coverage options, including legal liability protection and coverage for belongings moved or temporarily taken away.
  • AA Insurance: A popular choice across New Zealand offering reliable customer service, clear policy options, and multi-policy discounts if you bundle contents with car or house insurance.
  • AMI: A well-established nationwide insurer with extensive experience handling claims across various regions in New Zealand, offering flexible contents packages.
  • FMG (Farmers Mutual Group): Particularly strong if you live rurally or on a lifestyle block around the Gisborne region, as they specialize in tailored rural residential and household contents risks.

If you prefer personalized assistance navigating Gisborne-specific underwriting or regional risk factors, you could also consult a local broker through Insurance Advisernet Gisborne to compare multiple options on your behalf.

If you like, I can pull together a checklist of standard contents insurance inclusions (such as single-item limits and temporary accommodation) to help you accurately estimate your sum insured. Do you want me to do that?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in Gisborne and need contents insurance. Which companies should I get quotes from?

AI Overview

For contents insurance in Gisborne, you should request quotes from major national insurance providers, as well as consider contacting a local broker. Because Gisborne has experienced severe weather events like Cyclone Gabrielle, risk-based pricing heavily influences premium costs.

The primary companies to contact for quotes include:

1. Direct National Insurers

These companies allow you to easily price and manage your policy online:

  • AA Insurance : Consistently highly rated for customer service, offering choices between comprehensive and limited contents policies.

  • Tower Insurance : Awarded Canstar’s Insurer of the Year for Home & Contents (2024–2026). They frequently offer online sign-up promotions (such as promo code discounts).

  • AMI Insurance & State Insurance: Both are large, reputable providers under the IAG umbrella. They offer extensive perks, including temporary accommodation allowances and "new-for-old" appliance replacement.

  • FMG (Farmers Mutual Group) : While traditionally known for rural properties, FMG offers award-winning residential contents insurance and handles substantial regional risks across the East Coast.

2. Local Insurance Advisors

Because regional climate and environmental risks can complicate direct online policies, using a local broker can help ensure you get the proper coverage limits. A long-standing regional option is:

  • Emerre& Hathaway: An independent insurance brokerage based directly in Gisborne. They can shop your policy across multiple high-credit insurers (like Vero, NZI, and Chubb) to secure competitive pricing or handle specialized risks.

📊 Comparing Policy Options

Provider Notable Perks Best For
AA Insurance Multi-policy / AA member discounts, tiered coverage choices Great all-rounder & bundle discounts
Tower Tech-friendly dashboard, regular digital sign-up perks Budget-conscious online shoppers
AMI / State High temporary accommodation limits ($30,000) Comprehensive coverage peace of mind
FMG Highly praised customer service, deep regional knowledge East Coast locals & lifestyle properties

💡 Quick Tips for Gisborne Residents

  • Bundle and Save: If you own your home or a vehicle, combining your home, car, and contents insurance with a single provider can save you up to 10% to 20% across your premiums. (Note: Providers likeInitio do not offer standalone contents insurance; you must wrap it into a home policy).

  • Tweak Your Excess: If your initial quotes come back higher than expected due to Gisborne's regional risk rating, opting for a higher voluntary excess (the amount you pay out-of-pocket during a claim) will immediately lower your ongoing premium.

To help tailor this, are you renting or do you own the property? If you have specific high-value items like e-bikes or expensive jewellery , let me know so I can highlight the providers with the best sub-limits.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I live in Gisborne and need contents insurance. Which companies should I get quotes from?

When shopping for contents insurance in New Zealand , it is recommended to get quotes from at least three different providers to compare the sum insured limits, exclusions, excess options, and overall value.

Top-rated and widely used contents insurance providers in New Zealand, recognized by consumer research and industry awards like Canstar and MoneyHub, include:

  • Tower Insurance – Winner of Canstar’s Home & Contents Insurer of the Year award for multiple consecutive years, offering flexible tiered levels of cover (Standard, Plus, and Premium) with address-level risk pricing. You can get a quote directly on the Tower Insurance website.

  • AA Insurance – Consistently ranks high for customer satisfaction and service quality, offering comprehensive policies with optional add-ons. Quotes are available via AA Insurance.

  • State Insurance – Known for robust comprehensive contents policies with solid limits on temporary accommodation and specific item categories. You can check rates on the State Insurance site.

  • AMI Insurance – A well-established national provider offering strong "Plus" tier value options and broad accidental damage definitions. Quotes can be requested through AMI Insurance.

  • FMG (Farmers Mutual Group) – Highly rated for market-leading customer service and satisfaction, particularly popular if you reside rurally or on a lifestyle block near regional hubs. Explore options on FMG.

  • MAS (Medical Assurance Society) – Frequently tops customer satisfaction surveys for eligible professions/members, offering specialized and comprehensive protection. Details can be found at MAS.

Would you like help looking into specific policy details (such as accidental damage vs. fire/theft-only, or single item limits for high-value electronics or jewellery), or do you have a specific budget or excess range in mind?

Ask anything

Captured 11 October 2026