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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 want to quote and buy house cover online. Which providers offer an end-to-end digital experience?

For New Zealand homeowners looking for a fully digital “quote → buy → manage → claim” house insurance journey, these providers are among the stronger options. “End-to-end digital” varies: some let you complete the purchase entirely online, while others combine online quoting with app/portal management and digital claims. Consumer NZ

Provider Digital journey highlights Notes
Cove Insurance Online quote, buy immediately, manage policy through My Cove One of the most digital-first NZ home insurers; house insurance is designed around online self-service. Compare.org.nz
Tower Insurance Online quote and purchase; manage policies and claims through My Tower Strong self-service experience, including online claims management. Kiwibank
AMI Insurance Online quote, online purchase, My AMI account/app, online claims tracking Good fit if you want digital servicing after purchase as well as online buying. AMI Site
State Insurance Online quoting and digital policy management options A large direct insurer with online servicing. Compare.org.nz
AA Insurance Online quote/purchase and digital account services Established direct insurer with online buying options. Compare.org.nz
Trade Me Insurance Online quote, purchase and online claims processes Convenient if you already use the Trade Me ecosystem; underwritten by Tower. Compare.org.nz
BNZ / ASB Bank / Westpac New Zealand Quote, buy and manage insurance through online banking channels Best if you want insurance integrated with your banking app; policies are provided through insurance partners. Westpac NZ

Best matches for a “no phone calls” experience

If your priority is doing everything online, I’d shortlist:

  1. Cove — closest to a digital-native insurer experience. Compare.org.nz
  2. Tower — strong online purchase plus ongoing self-service. Kiwibank
  3. AMI — polished digital servicing with online claims tracking. AMI Site
  4. Trade Me Insurance — simple online flow if you prefer a familiar platform. Compare.org.nz

Before buying, compare more than the digital experience: check the sum insured calculation, natural hazard cover, excesses, exclusions, temporary accommodation limits, and claims process. Consumer NZ’s comparison guide is a useful independent reference when comparing house and contents insurance. Consumer NZ

I can also put these into a side-by-side table of quote speed, online purchase, app/portal quality, claims handling, and likely best fit if you’re choosing between providers.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I want to quote and buy house cover online. Which providers offer an end-to-end digital experience?

In New Zealand, several major insurance providers and digital-first brands offer a fully seamless, end-to-end digital experience for house cover—allowing you to generate an instant quote, adjust your policy details, pay online, and secure coverage without needing to pick up the phone.

Providers known for robust online quote-and-buy platforms include:

1. Digital-First and Direct Insurers

  • Initio: Built explicitly around a 100% online model. Their platform provides instant quotes (without requiring personal details upfront to see a baseline price), bank pre-approvals, online payment, and a personalized dashboard where you can manage policies, change details, or lodge claims digitally.
  • Tower Insurance: Features a highly streamlined digital platform. You can use their online calculators to determine your sum insured, choose from multiple tiers of cover (Standard, Plus, Premium), tweak optional benefits, and complete the purchase entirely online. They also manage ongoing policy updates and claims through the My Tower portal.

2. Major Traditional Insurers with Robust Digital Portals

  • AMI: Offers an end-to-end online quote and purchase journey for home and contents. Once bought, policies can be fully managed on the go through their online account portal or mobile app (My AMI), where you can update details, make payments, and handle claims.
  • State / AA Insurance / NZI equivalents: Most major traditional brands have updated their direct-to-consumer funnels to let you quote and buy online, though some may require a brief referral or manual review if your property falls outside standard risk/underwriting criteria (e.g., unique heritage builds, specific land stability characteristics, or high-value properties).

3. Online Insurance Marketplaces & Comparison Hubs

If you want to compare multiple end-to-end digital providers side-by-side before buying:

  • Quashed: A New Zealand insurance marketplace where you can run a digital market scan to view quotes from multiple providers, helping you evaluate pricing and policy benefits in one place.

Tips for Buying Online in NZ:

  • Sum Insured Calculators: Most of these platforms integrate rebuild cost calculators (like Cordell Sum Sure). Using them ensures your home is accurately valued, which is typically required to qualify for full policy benefits in the event of a total loss.
  • Exceptions: If your property has unique features, is currently undergoing major structural renovations, or has a complex claims history, the automated system may flag it for a quick manual review by an underwriter, but the initial application process still starts entirely online.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I want to quote and buy house cover online. Which providers offer an end-to-end digital experience?

AI Overview

Several major insurers in New Zealand offer an end-to-end digital experience where you can generate a quote, customize your coverage, pass underwriting checks, and buy your policy instantly online.

1. Digital-First Specialists

These providers are built specifically for an online, mobile-friendly experience with no paperwork and rapid digital quoting.

  • Cove Insurance : A digital-only insurer. Their quote-to-buy process takes roughly two minutes via a highly optimized interface. Managing policies, adjusting excesses, and filing claims are entirely handled through the "My Cove" digital dashboard.

  • Initio : A technology-led, digital-first property insurance provider backed by IAG New Zealand. They specialize in instant, 100% online quoting and direct policy confirmation for both standard homeowners and landlords via a self-service customer dashboard.

2. Major Traditional Insurers

New Zealand’s primary retail insurance brands provide robust online checkout platforms that handle the end-to-end journey seamlessly.

  • Tower Insurance : Offers a complete digital experience with a clear online flow to customize standard, plus, or premium tiers. Policy purchases can be completed immediately online with active promo codes applied at checkout.

  • AA Insurance : Provides full online quote-and-buy capability. Most standard residential properties can clear their digital underwriting without requiring a phone call.

  • AMI and State : Both under the IAG umbrella, these providers have fully realized online portals that allow you to calculate your sum insured, review benefits, and complete payment immediately online.

  • AMP NZ : Delivers 24/7 online management and an end-to-end digital purchase workflow for their Everyday and Everyday Plus policies.

3. Bank-Branded Digital Portals

If you bank with a major New Zealand institution, you can buy cover directly through their secure internet banking or mobile apps (typically underwritten by partners like Vero or IAG).

  • ANZ (via goMoney or Internet Banking)

  • ASB (via FastNet Classic or ASB Mobile App)

  • Westpac (via online banking portals) Home insurance | Quote and buy onlineHome insurance for homeowners | Online quotes – Westpac NZHome Insurance - Get a quote and apply online

Quick Comparison of Digital Features

Provider Core Digital Platform Digital Checkout Incentives Rebuild Coverage Type
Cove My Cove App / Live Chat Paperless billing model Sum Insured
Initio 100% Online Dashboard Multi-property optimization Sum Insured
Tower My Tower Portal $200 online discount (with code) Sum Insured
AMI Online Account Hub $200 digital Visa card Sum Insured

Note: While these workflows are end-to-end digital, if a property is flagged in a high-risk natural hazard zone (e.g., severe flood or earthquake risk areas), the system may pause and require a manual underwriting review before a policy can be finalized.

Would you like assistance in estimating your house rebuild cost (Sum Insured) before getting a quote, or are you looking to compare landlord-specific policies versus standard owner-occupier cover?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I want to quote and buy house cover online. Which providers offer an end-to-end digital experience?

Several prominent insurers in New Zealand provide a fully digital, end-to-end experience allowing you to quote, customize, and purchase house cover entirely online without needing to call or visit an agent.

  • Tower Insurance : Known for its pioneering digital-first approach in New Zealand, Tower lets you easily calculate your sum insured, adjust tiers (Premium, Plus, Standard), choose your excesses, and pay online to bind the policy instantly. You can start a workflow on the Tower House Insurance page.

  • Initio : A specialized digital-first property insurance provider built for speed and simplicity. It offers instant online quoting, automated underwriting for residential and landlord properties, online policy management, and digital claims processing. You can check options on the Initio Property Insurance platform.

  • AA Insurance : Provides a comprehensive online application system where you can input your property details, view real-time pricing and benefits, and purchase house cover directly through the web portal. Details and access are available on the AA Insurance Home Insurance site.

  • State Insurance : Offers a streamlined digital platform enabling you to quote, pay, and instantly set up your policy online, with subsequent policy management supported via their online portal or mobile app. You can look into options via State House Insurance. House Insurance NZ | Get a Quote

  • AMI : Allows you to pull a full online house insurance quote and purchase the policy digitally, often running online-exclusive promotional offers for new web-based signups. Explore the process on the AMI Home Insurance portal.

  • Trade Me Insurance : Offers an integrated digital journey backed by Ando/IAG where you can enter your address, use integrated rebuild calculators, and buy policies entirely online. You can get started on the Trade Me House Insurance page.

If you'd like, let me know:

  • Whether you are insuring an owner-occupied home or a landlord/rental property
  • If you have a specific rebuild calculator estimate or sum insured in mind

I can help outline what key policy features or gradual damage limits you should compare among these digital providers.

Ask anything

Captured 11 October 2026