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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

How do standard contents and specialist valuables cover differ on accidental damage and transit?

In New Zealand, the main difference is that standard contents cover protects your general household belongings, while specialist valuables cover is designed to protect specific high-value items with higher or more tailored limits and conditions. The important distinction is that specialist cover does not automatically mean broader accidental-damage or transit protection — that depends on the policy wording.

How they differ

Feature Standard contents cover Specialist valuables cover
Accidental damage May cover sudden, accidental damage to household items, depending on whether the policy is comprehensive or has restricted cover. May cover accidental damage to specified items, potentially with tailored terms for expensive jewellery, watches, art or collectibles.
At home Generally covers eligible contents, subject to exclusions and item limits. Covers the listed valuables according to their specified insured values and policy conditions.
In transit May cover belongings while moving house or temporarily away, but limits and covered events can vary. May provide protection for valuables while being transported, but this should be explicitly confirmed.
Away from home or overseas Often subject to geographical restrictions, temporary-removal conditions and sub-limits. May offer wider protection for specified valuables, including outside the home, if the policy includes it.
Payout limits Individual categories, such as jewellery, may have relatively low limits unless items are specified separately. Usually allows specific items to be insured for declared values, subject to the insurer's acceptance and terms.

These are general distinctions, not guarantees for every New Zealand insurer. Consumer NZ and the Insurance Council of New Zealand explain why policy-specific limits and definitions matter. How to get the best house and contents insuranceHouse & Contents Insurance: Sum Insured Explained

What this means in practice

What to check before choosing

  1. Accidental damage: Does the policy cover drops, knocks, breakage and liquid damage, or only listed events?
  2. Transit: Does cover include moving house, courier deliveries, shipping and personal transport? These are not necessarily treated the same.
  3. Where cover applies: Is the item covered only at home, throughout New Zealand, or worldwide?
  4. Valuation and payout: Is the item insured for an agreed or specified amount, and how is a claim settled?
  5. Excess and exclusions: Check the excess, security requirements and any exclusions for unattended items.

For reference, Consumer NZ's contents insurance guide explains the differences between policy types.

Bottom line: Standard contents cover may be enough for everyday belongings. For expensive valuables, check both the individual-item limit and whether accidental damage and transit are explicitly covered where you need them.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

How do standard contents and specialist valuables cover differ on accidental damage and transit?

In New Zealand, insurance coverage for accidental damage and transit varies significantly between standard home contents insurance and specialist valuables cover (such as high-value items, fine art, or standalone transit policies).

1. Accidental Damage Cover

Standard Contents Insurance

  • Inclusions & Limitations: Standard contents policies typically protect your general household items against major events (fire, theft, natural disasters, and water leaks). However, accidental damage (such as spilling wine on a rug, dropping a laptop, or cracking a television screen) is often an optional add-on or restricted to higher-tier policies rather than automatically included.
  • Per-Item Sub-Limits: Standard policies enforce strict caps on specific categories of valuables (e.g., jewellery, watches, high-end electronics, or art), often limiting payouts to between $1,500 and $5,000 per item unless explicitly declared.

Specialist Valuables Cover

  • Agreed or Full Replacement Value: For high-value possessions (e.g., engagement rings, heirloom jewellery, high-end art collections), specialist or specified items cover ensures items are insured for their true appraised market value rather than a default policy cap.
  • Accidental Loss & Damage Anywhere: Specialist or "all-risks" extensions typically cover valuable items globally or anywhere in New Zealand for accidental loss, mysterious disappearance, or damage—protection that standard broad-brush contents policies frequently exclude or severely restrict.

2. Transit Cover (Moving House or Transporting Goods)

Standard Contents Insurance

  • Limited or Excluded: Standard contents policies sometimes offer minimal, highly restricted transit extensions—such as a small sub-limit (e.g., $1,000 to $3,000 total) for items temporarily in transit while moving house.
  • Restricted Events: If transit cover is included under a standard policy, it often only applies to specified "events" (like a severe road accident involving the moving truck) and may completely exclude DIY moves, items packed by the owner rather than professionals, or high-value category items like jewellery and art.

Specialist Transit Cover & Removalist Insurance

  • Comprehensive Protection: Dedicated transit insurance (or specialized comprehensive removalist insurance) covers goods against a broad spectrum of risks while being packed, loaded, unloaded, and transported.
  • Handling & Breakage: Unlike standard contents policies, specialist transit options can be tailored to cover accidental dropping, mishandling by removalists, vehicle crashes, and fire during transit. Note that fine art, antiques, and specialty items generally still require pre-declaration and professional packing compliance to be fully protected under these policies.

Quick Comparison Summary

Feature Standard Contents Insurance Specialist Valuables & Transit Cover
Accidental Damage Often optional or restricted; subject to standard per-item caps. Comprehensive "all-risks" or specified value protection; covers accidental loss and damage.
Valuables Limits Strict per-item sub-limits (e.g., $2,000–$5,000 cap). Insures high-value items up to their full appraised replacement or agreed market value.
Transit Cover Minimal or absent; sometimes a low blanket cap ($1K–$3K) for house moves. Designed specifically for relocations, covering physical damage, dropping, and transit accidents.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

How do standard contents and specialist valuables cover differ on accidental damage and transit?

AI Overview

In New Zealand, the gap between standard contents insurance and specialist valuables cover (such as specialized item policies, transit-specific policies, or high-value item add-ons) comes down to sub-limits, exact definitions of accidental damage, and the specific perils covered while moving.

Here is a direct comparison of how they differ regarding accidental damage and transit:

Direct Comparison Overview

Feature Standard Contents Insurance Specialist Valuables / Transit Cover
Accidental Damage Limits Subject to strict per-item caps (typically $1,000 to $5,000). Covers the full appraised or specified value of the item.
Accidental Loss (Misplacement) Often excluded or requires an optional premium tier. Automatically included for specific high-value items.
Transit Coverage Scope Usually limited to "Restricted Perils" (e.g., fire, vehicle collision). Covers "Full Accidental Damage" (drops, scratches, cosmetic chipping).
DIY / Self-Packing Moves Rarely covers any breakages if you pack or move the item yourself. Offers explicit restricted packages or adjusted excesses for owner-packed goods.

1. Accidental Damage & Loss

  • Standard Contents Cover: While a comprehensive contents policy covers sudden and accidental damage (like dropping a TV), it imposes strict per-item limits on luxury goods. For instance, an unlisted piece of jewellery is typically capped between $2,500 and $3,000 per item. Furthermore, simply "misplacing" or losing an item outside the home is frequently excluded unless you have added a specific mobile/portable items extension.

  • Specialist Valuables Cover: When you explicitly list a high-value item (like a $15,000 engagement ring or a piece of fine art), the per-item cap is removed. You are covered up to the agreed value. It also broadens the definition of accidental damage to include accidental loss (losing a diamond from a setting while out) and premium "new-for-old" replacement without depreciation.

2. Transit (Moving House or Transporting Goods)

  • Standard Contents Cover: Most standard New Zealand policies only cover your belongings during a permanent house move under "Restricted Perils". This means your items are only covered if the moving truck catches fire, rolls over, or is involved in a head-on collision. If a mover drops your box of fine crystal or a bumpy road scratches your antique table, a standard policy will not pay out.

  • Specialist / Transit Cover: Standalone transit insurance or professional mover protection covers full accidental loss and damage. This includes minor cosmetic and structural mishaps like chips, dents, scratches, and accidental drops during loading and unloading.

The Fine Print: Who Packs It Matters

Under a standard contents policy, DIY moves are almost completely exposed to transit damage. Conversely, specialist transit policies provide full coverage only if the items are professionally packed by a commercial moving company; if you pack the items yourself, the specialist policy usually reverts back to restricted perils or demands a significantly higher excess.

If you are evaluating your current protection, I can help you look at specifics. Let me know:

  • What specific high-value items (e.g., jewellery, electronics, artwork) you are most concerned about?

  • Whether you are planning a household move or just want everyday coverage outside the home?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

How do standard contents and specialist valuables cover differ on accidental damage and transit?

When comparing standard contents insurance to specialist valuables cover (often called specified items, high-value transit, or fine arts/jewellery policies) in New Zealand, the differences in how accidental damage and transit are handled usually come down to scope, sub-limits, and named perils versus comprehensive all-risk cover.

  • Standard Contents Accidental Damage

  • Scope is generally broad if you pay extra or opt for a comprehensive policy, but it usually applies primarily while items are at the insured residential address.

  • Coverage away from the home is typically restricted by lower sub-limits (e.g., up to $5,000) or restricted to specific named events rather than full accidental breakage outside the boundary.

  • Specialist Valuables Accidental Damage

  • Designed for high-value items like engagement rings, fine art, or high-end watches, providing "accidental loss or damage" on an all-risk basis.

  • Extends worldwide or across New Zealand without tight sub-limits, meaning dropping or cracking a valuable piece is covered regardless of whether you are at home, travelling, or wearing it out.

  • Standard Contents Transit Cover

  • Usually limited strictly to when you are permanently moving house. Even then, transit cover is often restricted to specific perils (like a vehicle collision, overturning, fire, or theft by forced entry into the moving truck) rather than general accidental dropping or bumping during the move.

  • Temporary or casual transit of individual high-value items day-to-day is rarely fully covered for general handling mishaps.

  • Specialist Valuables Transit Cover

  • Offers robust, comprehensive cover while items are being transported, shipped, or carried by professional couriers or handlers.

  • Often includes mysterious disappearance, dropping, or comprehensive transit mishaps that standard contents policies explicitly exclude or limit during normal movement.

If you'd like, let me know:

  • What specific type of valuable you are looking to insure (e.g., jewellery, art, collections)
  • Whether you are concerned about moving house or wearing/carrying items daily

I can help clarify how a specific New Zealand insurer structures these policies.

Ask anything

Captured 11 October 2026