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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

What can make a New Zealand household ineligible for some contents cover?

In New Zealand, a household may be ineligible for some contents insurance policies because of its occupancy, how the property is used, its risk profile, or the insurance history of the people applying. The exact eligibility rules differ between insurers, so a household declined by one insurer may still be able to get cover elsewhere. What Home, Contents & Car Insurance Don't Cover (NZ)Duty of Disclosure: What to Tell Your InsurerInsurance

Common reasons a household may be ineligible

What to do if a household is declined

  1. Ask the insurer for the specific reason and whether alternative terms, a higher excess or restricted cover would be possible.
  2. Approach other insurers, as eligibility criteria vary.
  3. Consider using an insurance broker to find suitable options.
  4. Disclose all relevant information accurately and ask what must be reported if circumstances change. Duty of Disclosure: What to Tell Your InsurerInsurance

For guidance, see the Insurance Council of New Zealand's guide to common insurance exclusions and the government's insurance advice for consumers.

Important distinction: being ineligible for a particular policy is not the same as having certain belongings excluded from cover or having a claim declined. Each has different implications.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

What can make a New Zealand household ineligible for some contents cover?

In New Zealand, a household can be deemed ineligible for contents cover, have an application declined, or find their policy invalidated due to several key risk factors and insurer underwriting guidelines.

The primary factors that make a New Zealand household ineligible or void contents insurance coverage include:

  • Non-Disclosure or Inaccurate Information: Failing to provide complete or accurate information when applying (such as past claims history, criminal convictions, or security details) is a leading reason insurers decline cover or void policies. Under New Zealand insurance laws, material facts that would influence an insurer's decision to accept the risk must be fully disclosed.
  • Unoccupied Property Status: If a home is left vacant or unoccupied for an extended period—typically exceeding 60 consecutive days depending on the provider—insurers usually classify the risk as too high and will suspend or restrict contents cover unless specially notified and agreed upon.
  • Commercial or Business Use: Standard household contents policies generally exclude contents used primarily for business or trade purposes (such as heavy commercial tools, stock-in-trade, or equipment run out of a home office beyond policy thresholds). Homes heavily utilized for commercial operations may be outright ineligible for standard residential policies.
  • High-Risk Security or Substandard Building Conditions: If a rental property or home lacks basic security measures (such as working deadlocks on external doors and key-lockable window latches) or has severe, unaddressed maintenance issues (like chronic leaking or structural compromise), insurers may decline to underwrite the contents.
  • Unresolved Criminal Activity: Households linked to illegal activities, such as illicit drug manufacture or commercial distribution from the premises, will face immediate policy cancellation and ineligibility for cover.
  • Lapsed Payments: Missing premium payments (whether monthly installments or annual renewals) past the insurer's designated grace period (usually around 30 days) causes the policy to lapse, leaving the household uninsured.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

What can make a New Zealand household ineligible for some contents cover?

AI Overview

In New Zealand, a household can become ineligible for contents insurance cover —either at the time of application or when making a claim—due to a variety of standard risk and compliance factors.

The primary reasons that impact a New Zealand household’s eligibility for contents cover include:

1. Operational & Lifestyle Changes

  • Leaving the Property Unoccupied: If your home sits empty for an extended period—typically longer than 60 consecutive days —most Kiwi insurers (such as

Tower

) will either declare the policy invalid, deny claims, or enforce a significantly higher excess.

  • Running a Home Business: Standard contents policies are meant for residential use. If you start operating a commercial business out of the home, store commercial stock on-site, or have clients visiting the property, your residential contents cover can become void unless you disclose it and switch to a business or commercial extension.

  • Unapproved Flatting or Tenants: Standard owner-occupier policies do not automatically cover the possessions of flatmates or tenants. Failing to notify your insurer that you have taken on flatmates or rented out the home can completely invalidate your personal liability and contents coverage.

2. High-Risk Property Profiles

  • Severe Environmental Hazards: While contents insurance covers the moveable belongings rather than the structure itself, highly unstable properties can be deemed uninsurable overall. Homes situated in severe coastal erosion zones or active floodplains are increasingly flagged by insurers as uninsurable risks.

  • Leaky Buildings and Structural Instability: Properties constructed between 1990 and 2004 that are tied to New Zealand's weathertightness crisis can be blacklisted by major insurance firms. Ongoing, non-sudden moisture or toxic mould issues mean items damaged as a result will not be covered.

3. Application and Claim Compliance

  • Non-Disclosure or Misrepresentation: Providing incomplete, false, or incorrect details during your application is the leading cause of policy invalidation in New Zealand. This includes omitting a history of criminal convictions, active bankruptcies, or a pattern of prior insurance claims.

  • Lack of "Reasonable Care": Insurers require policyholders to behave responsibly. If items are stolen because doors were left unlocked or valuables were left entirely unattended in a public space, the insurer can reject the claim due to gross negligence.

  • Lack of Proof of Ownership: While you can easily set up a policy, you will be ineligible for a claim payout if you cannot prove you owned the high-value item. In New Zealand, police and the

Insurance Council of New Zealand (ICNZ)

recommend tracking serial numbers on platforms like the

SNAP website

and keeping valuations for jewellery or art.

4. Items Explicitly Excluded

Standard contents insurance inherently excludes specific categories of belongings altogether unless covered by a separate, dedicated policy type. These typically include motor vehicles , watercraft, business assets, and unlicenced software.

If you are looking to review your coverage, would you like to explore how to accurately calculate your sum insured , or do you need information on how different insurers handle high-value items like e-bikes and jewellery?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

What can make a New Zealand household ineligible for some contents cover?

In New Zealand , a household can be deemed ineligible for full contents coverage, or face a declined claim, due to specific risk factors, non-disclosure, or property use types. Guidelines from the Insurance Council of New Zealand (ICNZ) and local providers highlight several primary factors that impact eligibility or validity:

  • Unoccupied or vacant home: Leaving the home unoccupied past a specific threshold (commonly exceeding 60 consecutive days) can invalidate coverage or exclude damage occurring while empty. [Insurance Council of New Zealand (ICNZ)]

  • Commercial or business activities: Operating a business from home that involves heavy equipment, commercial stock, or frequent visiting clients/public traffic may make standard contents ineligible unless a specific business extension is added. [Insurance Council of New Zealand (ICNZ)]

  • Failure to disclose material information: Not providing complete or accurate details during application—such as a history of declined insurance, previous property losses, or criminal convictions—can void the policy entirely.

  • Gross neglect or lack of reasonable care: Failing to take basic security and maintenance steps (such as leaving doors and windows unlocked, or ignoring severe structural leaks leading to ruinous mildew) breaches the duty of care required by insurers.

  • Unapproved or major structural renovations: Undertaking extensive structural repairs or renovations without notifying the provider can result in contents damage being excluded during the construction phase. [Insurance Council of New Zealand (ICNZ)]

  • High-risk or prohibited items: Certain categories of property—like unregistered motor vehicles, commercial business assets, or unlicensed computer software—are outright excluded from standard household contents definitions. [Insurance Council of New Zealand (ICNZ)]

  • Rental or boarding arrangements: Renting out the property or taking in boarders without informing the insurer can change the occupancy risk profile, rendering standard private contents policies ineligible. [Canstar NZ]

If you'd like, let me know:

  • Are you looking at a specific type of property (e.g., rental, vacant, or home business)?
  • Are you trying to cover unusual or high-value items?

I can provide more targeted details on what New Zealand insurers typically look for.

Ask anything

Captured 11 October 2026