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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 Wellington and need contents insurance. Which companies should I get quotes from?

For Wellington, I’d get quotes from at least five insurers, comparing both price and the fine print. Wellington has relatively high contents insurance costs, so it’s worth shopping around rather than automatically choosing your bank’s insurer or renewing an existing policy. How to get the best house and contents insuranceQuashed | Ultimate NZ Guide to Contents Insurance (2026): Compare & Find the Best and Cheapest Cover

My shortlist would include the large mainstream insurers, a couple of alternative providers, and an independent comparison service.

Which insurers to get quotes from

1. Tower Insurance

First quote to try

Tower won Canstar’s 2026 Home & Contents Insurer of the Year award and also received Outstanding Value recognition for several contents policies. A good starting point for comparing price and cover. Home & Contents Insurance Star Ratings and Awards

Get a quote from Tower

2. AMI Insurance

A strong mainstream option to compare. Its Contents Plus policy received a 2026 Canstar Outstanding Value award. Home & Contents Insurance Star Ratings and Awards

Get a quote from AMI

3. AA Insurance

Worth including for a mainstream comparison. AA Insurance also scored particularly well in Canstar’s 2026 customer satisfaction research for home insurance claims. Home & Contents Insurance Star Ratings and Awards

Get a quote from AA Insurance

4. State Insurance

Another useful benchmark. State received a 2026 Canstar Outstanding Value award for its comprehensive contents insurance. Home & Contents Insurance Star Ratings and Awards

Get a quote from State

5. Cove Insurance

An online-first alternative worth checking alongside the big brands. Cove offers standalone contents insurance and is underwritten by Vero Insurance New Zealand. Compare Contents Insurance Quotes NZ 2026

Get a quote from Cove

6. Trade Me Insurance

Another option to price-check. Its contents insurance is underwritten by Tower, so compare the actual policy benefits and exclusions rather than assuming it offers fundamentally different cover. Home & Contents Insurance Star Ratings and AwardsCompare Contents Insurance Quotes NZ 2026

Get a quote from Trade Me Insurance

7. MAS

Worth checking for customer service and value. MAS topped Canstar’s 2026 customer satisfaction results for home and contents insurance, although you should check eligibility and get a Wellington-specific price. Home & Contents Insurance Star Ratings and Awards

Check cover with MAS

Compare quotes side by side

Rather than filling in every application separately, start with these comparison resources:

What matters particularly in Wellington?

When comparing quotes, make sure you use the same contents sum insured and excess for each provider, then check these details:

  • Earthquake and natural disaster: what damage to your belongings is covered, and what exclusions or special excesses apply?
  • Replacement value: will the insurer pay to replace belongings with new equivalents, or pay their depreciated value?
  • High-value items: check limits for jewellery, bikes, laptops, phones and other valuables.
  • Temporary accommodation: whether costs are covered if your rental or home becomes uninhabitable following an insured event.
  • Accidental damage: whether you’re covered for things like spilling liquid on a laptop or breaking a television.
  • Liability cover: whether the policy covers accidental damage you cause to other people's property.

These differences can matter more than a small difference in annual premiums. How to get the best house and contents insuranceCompare Contents Insurance Quotes NZ 2026

One question so I can narrow the shortlist

Do you rent or own your home in Wellington?

That makes a difference to which policies and cover options are worth prioritising.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

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

When shopping for contents insurance in Wellington, it is best to get quotes from multiple providers. Wellington has unique geographical and seismic considerations, meaning pricing and policy limits can vary significantly between insurance companies.

The major mainstream insurance providers operating in New Zealand where you should compare quotes include:

  • AMI Insurance: One of the country's largest insurers, known for comprehensive policy options and straightforward online management.
  • AA Insurance: Frequently ranks well for customer service and offers distinct member discounts if you belong to the NZ Automobile Association.
  • Tower Insurance: Noted for flexible sum insured policies and plain-language definitions, making it a solid baseline reference point for pricing.
  • State Insurance: A widely used provider under the IAG umbrella, offering competitive standard contents packages.
  • AMP: Provides flexible policies with broad add-on options for portable valuables and special items.

Tips for Getting Wellington Contents Insurance Quotes:

  • Accurately Estimate Your Sum Insured: Wellingtonians often under-value or over-value their belongings. Use an online calculator (such as Suncorp's contents calculator recommended by consumer resource guides) to tally up the replacement cost of your clothes, electronics, furniture, and appliances.
  • Check the Excess: Adjusting your voluntary excess (e.g., from $250 to $500) can lower your regular premium, but ensure it is an amount you can comfortably afford if you need to make a claim.
  • Review Specific Sub-Limits: Pay close attention to individual item limits for high-value goods like jewelry, artwork, or high-end electronics, as you may need to specify these items separately.

If you like, I can guide you through how to use an online contents calculator to accurately tally up the value of your belongings before you start requesting these quotes. 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 Wellington and need contents insurance. Which companies should I get quotes from?

AI Overview

For contents insurance in Wellington, you should get quotes from major New Zealand direct insurers like Tower Insurance , AA Insurance , AMI , and State , while also considering a specialised or member-focused provider like MAS.

Because Wellington faces higher seismic and natural hazard risks, insurers use address-level risk-based pricing , making premiums in the capital higher than the national average. Shopping around is highly recommended to find a policy that balances price and coverage.

Top Direct Insurers to Quote

Insurance Provider Key Strengths & Features
Tower Insurance Canstar’s Home & Contents Insurer of the Year. They offer tiered policy levels (Standard, Plus, Premium) and use granular address-based pricing, which can sometimes work in your favor depending on your exact Wellington suburb.
AA Insurance Consistently voted one of NZ's most trusted brands. Known for excellent customer service and straightforward claims processes. They offer multi-policy discounts if you combine car and contents.
AMI Insurance Part of NZ's largest insurance group (IAG). Offers strong general coverage including up to $30,000 for temporary accommodation if your home becomes unlivable, and a $3,000 limit for e-bikes/bicycles.
State Insurance Another trusted IAG brand. Offers a comprehensive contents policy with features like energy-efficient whiteware replacement and up to $2 million in personal legal liability cover.
MAS (Mutual Assurance Society) Highly rated by Wellingtonians on forums like Reddit for local customer service. Originally for professionals but now open to the public, they are known for excellent peace-of-mind policies, though they often require speaking directly to an adviser.

⚠️ Wellington-Specific Insurance Tips

  • Expect Suburb Variation: Due to risk-based pricing, quotes can fluctuate wildly depending on whether you live in a low-lying coastal zone (like Kilbirnie or Petone) or a steep hillside suburb prone to slips (like Karori or Wadestown).

  • Bundle to Save: If you also have a car or need house insurance, bundling them with the same company (e.g., AA or Tower) will almost always trigger a multi-policy discount.

  • Watch Out for "Single-Item Limits": Standard contents insurance policies usually cap payouts for a single unspecified item (like an expensive laptop, e-bike, or engagement ring) at around $2,000 to $5,000. If you have items worth more than this, you must specify them individually on your policy.

  • Legal Liability: If you are renting in Wellington, remember that contents insurance isn't just for your stuff—it includes legal liability cover. This protects you if you accidentally cause major damage to the landlord's property (e.g., accidentally starting a kitchen fire).

If you would like to refine your search, let me know:

  • Are you renting or do you own the property?

  • Do you have any high-value individual items (over $3,000) like jewelry or e-bikes to list?

  • Do you want to bundle this with car or house insurance?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

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

When shopping for contents insurance in Wellington, it is wise to get quotes from a mix of major direct insurers and brands that offer competitive online policies. Wellington's unique geographic and seismic risk profile makes comparing multiple providers important, as pricing and earthquake/natural disaster provisions can vary.

Here are the key companies to get quotes from, based on market presence and consumer guides like MoneyHub Contents Insurance Guide and Canstar Home & Contents Awards:

  • Tower Insurance : Winner of Canstar's Home & Contents Insurer of the Year award for multiple consecutive years. They use address-level risk-based pricing and offer tiered options (Standard, Plus, and Premium). You can get a quote directly on the Tower Insurance website.

  • AA Insurance : Consistently popular for customer satisfaction and service in New Zealand. Well-regarded for clear policy wording and comprehensive benefits. Check out policy options via AA Insurance.

  • AMI : A widely used insurer across New Zealand with strong multi-policy discounts if you bundle contents with vehicle or house cover. Their Plus products have received high value ratings. Visit AMI Insurance to run a quote. [Canstar NZ]

  • State Insurance : Offers robust comprehensive contents policies with standard inclusions like temporary accommodation limits and bike cover. Quotes are available directly at State Insurance.

  • Trade Me Insurance : Underwritten by major insurers, they often provide competitive online-focused pricing for renters and homeowners. Compare options via Trade Me Insurance.

If you'd like, let me know:

  • Whether you are renting or own the home
  • Your approximate sum insured value

I can give you tips on what specific add-ons or exclusions to watch out for in Wellington.

Ask anything

Captured 11 October 2026