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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

Which source is more reliable for current contents insurance terms: a blog, comparison table or policy wording?

For current contents insurance terms in New Zealand, the most reliable source is the policy wording (also called the policy document or policy wording/PDS by some insurers). NZI Site

A reliability ranking would generally be:

  1. Policy wording — most reliable

    • This is the insurer’s official contract that sets out:
      • what is covered
      • exclusions
      • limits and sub-limits
      • excesses
      • claim conditions
      • how payouts are calculated (for example, replacement value vs present value)
    • If there is a dispute, the wording that applies to your policy is the key document. Consumer NZ

  2. Comparison table — useful, but secondary

    • Good for quickly comparing insurers and spotting differences in cover.
    • However, tables often summarise only selected features and may not include important exclusions, optional extras, or recent wording changes. Compare.org.nz

  3. Blog — least reliable for exact current terms

    • Blogs can be helpful for general explanations and shopping guidance.
    • They may become outdated, simplify complex wording, or describe a policy version that has since changed.

A practical approach:

  • Use a blog to learn the basics.
  • Use a comparison table to create a shortlist.
  • Read the latest insurer policy wording before buying or renewing, especially for things like jewellery limits, accidental damage, cover away from home, gradual damage, and replacement rules. Consumer NZ

So if you need the answer to “what does my contents insurance actually cover right now?”, choose the policy wording.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Which source is more reliable for current contents insurance terms: a blog, comparison table or policy wording?

Policy wording is by far the most reliable source for current contents insurance terms.

Insurance contracts are legally binding documents, and the precise terms, conditions, exclusions, and definitions contained within the official policy wording (or certificate of insurance and policy schedule) take ultimate precedence over any secondary marketing or summary materials.

Here is how the three sources compare in terms of reliability:

Comparison of Insurance Sources

  • 1. Policy Wording (Most Reliable)
    • What it is: The comprehensive legal contract issued directly by the insurer that governs the policy.
    • Why it's reliable: It contains the exact wording used to determine claims payouts, specific exclusions (such as limits on high-value items or wear-and-tear clauses), and exact definitions. Legally, the insurer is bound by this document.
  • 2. Comparison Tables (Moderately Reliable / Good for High-Level Overview)
    • What it is: Grids compiled by comparison websites or brokers showing features across multiple providers side-by-side (e.g., whether accidental damage or temporary accommodation is included).
    • Why it's reliable: Useful for initial research, but they often simplify or generalize complex terms. They can become outdated quickly if an insurer updates their product, and they rarely show the fine print or specific sub-limits.
  • 3. Blogs and Marketing Material (Least Reliable)
    • What it is: Informational articles, reviews, or promotional posts about insurance options.
    • Why it's reliable: While helpful for understanding general concepts or how insurance works, blogs can contain outdated information, personal opinions, or generalized summaries that do not apply to your specific policy tier or provider.

Tip: Always use comparison tools or blogs for a high-level overview to narrow down your choices, but always verify the final terms directly in the official policy wording before purchasing or making decisions based on coverage limits.

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Which source is more reliable for current contents insurance terms: a blog, comparison table or policy wording?

AI Overview

A policy wording document is the most reliable source for current contents insurance terms.

Because insurance policies are legally binding contracts, the policy wording is the only document that contains the exact, legally definitive terms, conditions, limits, and exclusions of your coverage.

Direct Comparison of Sources

Source Reliability Purpose Key Limitation
Policy Wording 🔴 Highest Defines the exact legal contract and coverage details. Can be long and full of legal industry jargon.
Comparison Table 🟡 Medium Great for a quick, high-level feature overview. Often oversimplifies details and can be outdated.
Blog / Article 🟢 Lowest Good for general education and explaining concepts. Often contains opinions, outdated information, or generic advice.

Why Policy Wording Wins

  • Legal Authority: If you ever need to dispute a claim with your insurer or the Insurance & Financial Services Ombudsman (IFSO) in New Zealand, decisions are based strictly on the policy wording, not what a blog or summary table stated.

  • Accuracy on Limits: Contents insurance often has specific sub-limits for high-value items (like jewelry, bicycles, or electronics). A comparison table might say "covers jewelry," but only the policy wording will specify the exact dollar limit per item (e.g., $2,000) unless explicitly itemized.

If you are looking at a specific New Zealand insurer, would you like help finding their latest policy wording or understanding a specific clause like accidental damage or excess fees?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

Which source is more reliable for current contents insurance terms: a blog, comparison table or policy wording?

When it comes to current contents insurance terms, a policy wording document is by far the most reliable source.

Here is how the options rank from most to least reliable:

  • Policy wording: This is the definitive, legally binding contract between you and the insurer. It outlines exact definitions, precise cover limits, exclusions, and conditions that apply to your specific tier of cover. Always check the version date on the document to ensure it aligns with your active policy period.

  • Comparison table: These are useful for a high-level overview or getting a quick snapshot of features across multiple providers (such as those found on consumer advocacy sites or aggregator tools). However, they can oversimplify complex conditions, miss nuanced exclusions, or lag behind minor updates made to live insurer wordings. You can check tools like Consumer NZ for independent guidance, but they still recommend reading the actual contract.

  • A blog: Blogs are generally written for marketing, general education, or search engine optimization. They may contain outdated information, misinterpret legal jargon, or generalize terms that vary significantly between different insurance providers and policy types.

Would you like help understanding specific terms found in a contents insurance policy, or do you need guidance on what to look for when comparing different levels of cover?

Ask anything

Captured 11 October 2026