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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 contents features should we prioritise given replacement distances and specialist items?

Given replacement distances and specialist items, I’d prioritise content features that help people in New Zealand decide whether an item is worth replacing, find a suitable substitute, and locate specialist products that are harder to source locally.

The key principle is to prioritise content that reduces wasted trips, unnecessary purchases, and uncertainty—not simply content that provides more product information.

Recommended content priorities

Priority Content feature Why it matters
1. Critical Replacement availability and distance Show nearby stockists, delivery options, estimated lead times and whether an item is in stock.
2. Critical Compatible alternatives and substitutes Help users identify equivalent items when the exact product is unavailable or difficult to reach.
3. High Specialist item specifications Provide model numbers, dimensions, technical requirements, compatibility details and exact part references to avoid buying the wrong item.
4. High Repair, parts and longevity information Explain whether the item can be repaired, which parts can be replaced and how long parts or servicing may remain available.
5. High Total replacement cost Compare purchase price with freight, travel, installation and other relevant costs.
6. Medium Stock alerts and sourcing options Offer back-in-stock notifications, supplier enquiries and special-order options for less common products.

These priorities also align with New Zealand consumer guidance on checking product descriptions, delivery timeframes, additional online-shopping costs and the availability of repair or replacement remedies. Know your rights when shopping onlineConsumer Guarantees ActFaulty appliances and devices

How replacement distance should change the priority

Long distance to replace

Prioritise local availability, delivery estimates, repair guidance and verified substitutes. Help users avoid unnecessary trips and delays.

Specialist or hard-to-source items

Prioritise precise specifications, compatibility checks, supplier directories, special orders and spare-parts information.

Urgent or essential replacements

Prioritise confirmed stock, realistic delivery times, backup options and temporary workarounds.

What to build first

I would start with three core features:

  1. A replacement finder — matches the current item to suitable alternatives and identifies where to obtain them.
  2. A sourcing and availability panel — combines stock status, distance or delivery time, and total estimated cost.
  3. A specialist-item reference guide — captures exact specifications, compatible parts, repair options and specialist suppliers.

Measure success through reduced time to find a replacement, fewer incompatible purchases, successful sourcing rates and lower travel or delivery costs.

One important distinction: prioritise according to both replacement distance and item criticality. A rare but non-essential item may tolerate a longer wait; a readily available but essential item may require immediate replacement options.

If you mean contents features in a particular context—such as a website, product catalogue, emergency supplies or a content strategy—the ranking can be tailored to that use case.

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ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

Which contents features should we prioritise given replacement distances and specialist items?

When evaluating contents features—whether for New Zealand home and contents insurance policies or comprehensive household relocation and storage planning—prioritising features around replacement distances and specialist items requires balancing financial risk with logistical protection.

The key features to prioritise depend on how distance impacts transit/replacement costs and how unique items are classified, protected, or valued.

1. Prioritising Features for Specialist Items

Specialist items (such as fine art, high-end jewellery, antiques, musical instruments, vintage collections, or high-end electronics) require robust policy or handling definitions:

  • Specified vs. Unspecified Limits: Ensure the policy or service agreement clearly distinguishes between standard category limits and "specified items." Many standard insurance policies cap payouts for jewellery, art, or watches unless they are individually listed and valued.
  • Agreed Value vs. Indemnity (Replacement) Value: For rare or specialist items whose market values fluctuate, prioritize Agreed Value clauses. This locks in a pre-agreed payout based on professional valuations rather than depreciated market value or current replacement cost, which can be difficult to ascertain for niche goods.
  • Professional Packing and Crating Clauses: In transit or storage scenarios, prioritize terms that mandate or cover custom crating (e.g., custom wooden cases for fine art, mirrors, or stone furniture). Insurance validity often hinges on whether specialist items were professionally packed rather than owner-packed.
  • Pair and Set Coverage: If a specialist item is part of a matching set (e.g., antique dining chairs or a multi-piece art collection), ensure the policy covers the depreciation of the entire set if one piece is damaged or lost, rather than just the replacement cost of the single item.

2. Prioritising Features for Replacement Distances

Replacement distances—whether referring to geographic distance for replacement sourcing, freight logistics across New Zealand regions, or international shipping distances—introduce distinct variables:

  • Extended Replacement Cost / Total Replacement Provision: If a total loss occurs, distance can drastically inflate the cost of sourcing identical materials, local labor, or specialty replacements. Prioritize policies that offer a comprehensive sum insured buffer or full replacement without penalizing you for regional supply chain gaps.
  • Transit and Storage Extensions: Long-distance relocations or extended temporary storage require seamless continuity of cover. Prioritize policies featuring All-Risks Transit Insurance that bridges the gap between your old location, intermediate storage facilities, and your final dwelling without exclusions for multi-leg journeys.
  • Temporary Accommodation and Remote Sourcing Limits: If replacement items or repairs must be sourced from major metropolitan centers (or overseas) due to New Zealand's geographic supply chain constraints, ensure your policy accounts for extended freight timeframes, elevated shipping fees, and temporary living allowances that match realistic local turnaround times.

Summary Checklist for Prioritisation

Feature Focus What to Prioritise Why It Matters
Specialist Items Specified item scheduling & Agreed Value Prevents standard policy caps from underinsuring unique or high-value assets.
Logistics/Handling Professional packing/crating requirements Ensures compliance with transit insurance and safeguards fragile, high-risk pieces.
Distance Factors Comprehensive transit extensions & freight allowances Accounts for regional or international supply chain delays and shipping costs within/to New Zealand.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

Which contents features should we prioritise given replacement distances and specialist items?

AI Overview

Given New Zealand's geographic isolation and the supply chain complexities associated with replacing specialized goods, your digital content, product feeds, and e-commerce features must focus heavily on transparency, availability, and precise compatibility.

When managing contents features under these constraints, prioritize the following elements at a national level:

1. Real-Time Delivery Transparency & Geographic Restrictions

Because of New Zealand's logistical layout and reliance on international or centralized main-center shipping hubs, vague delivery estimations cause significant friction.

  • Granular Freight Costing: Upfront shipping and delivery calculators on product pages that account for Rural Delivery (RD) surcharges before checkout.

  • Accurate Lead Times: Clear labeling differentiating stock that is "In Stock (NZ Warehouse)" versus items that require international transit or back-ordering.

  • Carrier Restrictions: Transparent warnings regarding heavy, oversized, or dangerous specialist goods (e.g., specific lithium batteries, fluids, or industrial machinery) that cannot be serviced by standard courier networks or inter-island transit easily.

2. Strict Compatibility Mapping & Avoidable Returns Filters

Returning specialized items or components due to a mismatch is incredibly costly and time-consuming in NZ. Content must act as a filter to prevent incorrect orders.

  • Visual Dimension Overlays: High-fidelity, genuine product photography featuring embedded blueprint measurements, clearances, and layouts.

  • Dynamic Content Wizards: Interactive step-by-step compatibility finders (e.g., "Will this fit my exact model/voltage setup?") to handle technical nuances without creating customer support bottlenecks.

  • Component Hierarchies: Clear digital grouping showing matching peripherals, brackets, or replacement consumables specific to that specialist hardware asset.

3. Digital Asset Continuity & Self-Service Support

When specialist items break or require maintenance, replacement parts can face significant shipping delays. High-value digital content bridges this gap.

  • Comprehensive Virtual Knowledge Bases: Instantly accessible technical schematics, 3D interactive models, user manuals, and installation walkthroughs on the product page.

  • Predictive Maintenance Hubs: Content flows that actively alert or remind buyers when to order specialist consumables before they wear out, mitigating downtime caused by long replacement distances.

To tailor this content strategy effectively, could you share what specific category of specialist items you are dealing with (e.g., industrial machinery, high-end electronics, specialized medical or recreational gear), or whether your primary stock is held locally or shipped from overseas?

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Captured 11 October 2026

Google AI Mode · New Zealand

Which contents features should we prioritise given replacement distances and specialist items?

When evaluating contents features—especially in the context of replacement parameters, distance limits (temporary removal/transit cover), and specialist or high-value items—you should prioritise the following policy features and terms:

  • Specified vs. Unspecified Item Limits : Prioritize policies with high single-item caps or easily customisable "specified items" modules. Specialist items (like fine art, high-end camera gear, or specialized musical instruments) frequently exceed standard sub-limits (which often cap out around $2,500 to $3,000 per item) and require scheduled listing.

  • Temporary Removal and Transit Distance/Geographic Limits : Check the scope of cover when items leave the permanent residence. Look for provisions that extend comprehensive "away from home" or transit protection nationwide (or worldwide for specified travel items) rather than strict kilometer or property-boundary restrictions, ensuring specialist gear is covered while in transit or temporary storage.

  • New-for-Old / Full Replacement Value vs. Indemnity : Ensure the policy offers full replacement as-new functionality without excessive depreciation deductions, particularly for electronics, tools, and specialized equipment that lose market value rapidly.

  • Unspecified Valuables and Collections Sub-Limits : Review the aggregate cap for general valuables (jewellery, watches, furs) to ensure it comfortably absorbs your baseline collection without forcing every moderate-value piece onto a separately scheduled rider.

  • Excess Structures for Specialist Claims : Evaluate whether the policy allows flexible or separate excess options, ensuring a high-value claim on a specialist item isn’t bottlenecked or poorly scaled by a mismatched standard contents excess.

You can review a broad consumer baseline via the Insurance Council of New Zealand (ICNZ) Consumer Guides or run estimates using a New Zealand Contents Insurance Calculator to gauge total values.

If you can share the types of specialist items you own (e.g., jewellery, high-end electronics, professional gear) and how far or frequently they travel , I can help you narrow down exact policy features to look for.

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Captured 11 October 2026