Search studies, brands and more…⌘ KExplore research

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 need an insurer who will help me over the phone. Which NZ contents insurers should I look at?

If you specifically want a NZ contents insurer where you can speak to a person on the phone, I’d look at insurers with established call centres rather than providers that are mainly online. A few to compare:

  • AA Insurance — A good option if you prefer phone support. Their Home & Contents enquiries go through a phone team (0800 500 231), and they also have AA Centres around NZ. AA New Zealand
  • AMI Insurance — Offers contents insurance and has a phone line for personal insurance enquiries (0800 100 200), with support hours including evenings and weekends. AMI Site
  • State Insurance — A long-established NZ insurer with phone support for personal insurance (0800 80 24 24), including home and contents matters. State Site
  • Tower Insurance — Offers contents insurance and has phone-based customer support for quotes and enquiries (0800 379 372). Tower Insurance NZ

When comparing them, I’d ask each one:

  • “Can I speak to a person if I need to make a claim?”
  • “Do you handle contents claims by phone, or is it online only?”
  • “What happens if I have a complicated claim?”
  • “Are there limits on valuables like jewellery, laptops, bikes, or collectibles?”
  • “Is accidental damage included or an extra?”

For a phone-first experience, I’d start by calling AA Insurance, AMI, and State and judging how easy it is to get a clear answer before buying. Price can vary a lot depending on your address, rental/owner status, excess, and contents value, so the cheapest quote is not always the easiest insurer to deal with. consumer.org.nz

If you tell me whether you’re renting or owning, and whether you mainly care about cheap premiums, easy claims, or lots of phone help, I can narrow the shortlist.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I need an insurer who will help me over the phone. Which NZ contents insurers should I look at?

If you prefer managing your contents insurance over the phone rather than entirely online, several major providers in New Zealand have dedicated local customer service and claims teams you can call directly.

Here are some of the main contents insurers in New Zealand known for phone accessibility:

Major Providers with Phone Support

  • State Insurance
    • Phone: 0800 80 24 24
    • Details: One of New Zealand's largest insurers, State handles quotes, policy adjustments, and general enquiries over the phone (typically weekdays and weekends, depending on the department).
  • AA Insurance
    • Details: Frequently rated highly for customer service and telephone interactions. They have dedicated local contact centers for setting up new policies or adjusting existing contents cover.
  • Tower Insurance
    • Details: Provides standard phone support for customers who prefer speaking to an agent to talk through options, sum-insured calculations, and policy inclusions.
  • FMG (Farmers' Mutual Group)
    • Phone: 0800 366 466
    • Details: Highly rated for personal, relationship-based customer service, particularly popular in rural and provincial areas as well as towns and cities.
  • AMP
    • Phone: 0800 267 263
    • Details: Offers telephone support with insurance specialists who can talk you through matching a contents policy to your specific needs.

Tips for Calling Insurers

  • Have details ready: To get an accurate quote or help over the phone, it helps to have an estimate of the total replacement value of your belongings (electronics, clothing, furniture, appliances), as well as details on your home's security features (e.g., alarms, deadbolts).
  • Ask about optional add-ons: While on the phone, explicitly ask if they cover accidental damage and items taken outside the home (portable possessions), as these aren't always standard in basic policies.

Are you looking for a provider that handles a specific type of contents cover, or is there a particular feature (like accidental damage protection) you want included?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I need an insurer who will help me over the phone. Which NZ contents insurers should I look at?

AI Overview

AA Insurance and AMI Insurance are the best options if phone support is your top priority. While many providers push for digital-only interactions, these two maintain robust, dedicated phone channels alongside consistently strong reputations for customer care.

Here is a breakdown of the leading New Zealand contents insurers with active, accessible phone lines to help you set up or manage your policy:

Insurer Phone Support Availability Key Phone Channels Phone Number
AA Insurance • Mon–Fri: 8am – 8pm
• Weekends & Holidays: 8am – 6pm • Quotes & Enquiries
• Dedicated Claims Team 0800 500 231
AMI Insurance • Hours: Generous daily hours via the main IAG network • General & Sales
• Claims Support
• Multilingual line (Mandarin/Cantonese) 0800 100 200

0800 168 268
State Insurance| • Mon–Fri: 8am – 6pm
• Weekends & Holidays: 9am – 6pm| • General Enquiries
• Dedicated Claims Line| 0800 80 24 24

0800 80 24 23
Tower Insurance| • Mon–Fri: 8am – 6pm
• Saturday & Holidays: 9am – 5pm| • Sales & Enquiries
(Note: Once a claim is open, they prefer routing you via the My Tower app)| 0800 379 372

Specialized Options

  • Bank-Branded Insurance: If you prefer talking to your bank, insurers like BNZ (0800 808 618) and Westpac offer contents insurance underwritten by major providers, backed by dedicated bank phone support teams.

  • Membership-Based: If you are a medical or professional professional, MAS (Medical Assurance Society) (0800 800 627) offers highly rated phone service Monday to Friday from 8:00am to 5:30pm.

A Quick Tip Before You Call

In New Zealand, direct contents insurance is typically calculated using the Sum Insured method. Before calling, walk through your rooms to estimate the total replacement value of your personal items (furniture, clothes, appliances). Having a rough total in mind will make your phone quote much faster.

To help narrow this down, are you looking for renters/tenants insurance or cover for a home you own? If you have any high-value items like specialized bikes or jewellery , let me know so I can point out who covers them best.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I need an insurer who will help me over the phone. Which NZ contents insurers should I look at?

If you prefer managing your contents insurance and getting support over the phone rather than relying entirely on self-service apps or chat bots, several major New Zealand insurers maintain robust local call centres with dedicated 0800 numbers.

  • AA Insurance: Highly rated for customer service and phone accessibility, with extended call centre hours during the week.

  • Phone (Quotes/General): AA Insurance Contact at 0800 500 231 (Monday to Friday 8am–8pm, weekends/public holidays 8am–6pm)

  • Claims: 0800 500 216 Contact us

  • State Insurance: Offers standard personal phone assistance through a dedicated local team.

  • Phone (General Enquiries): State Insurance Contact Us at 0800 80 24 24 (Monday to Friday 8am–6pm, weekends/holidays 9am–6pm)

  • Claims: 0800 80 24 23 Contact Us | State Insurance NZ

  • AMI Insurance: Another widely used nationwide insurer with phone lines for general policies and claims.

  • Phone (General/Service): AMI Insurance Contact at 0800 100 200 (Monday to Friday 8am–6pm, weekends/public holidays 9am–6pm) Contact AMI Insurance | Expert Advice & Tailored Solutions

  • Tower Insurance: Provides direct phone channels for quotes, general service, and support.

  • Phone (General/Quotes): Tower Insurance Contact Us at 0800 379 372 (Monday to Friday 8am–6pm, Saturday 9am–5pm) Contact Us for Any Insurance Queries | Tower Insurance NZ

If you'd like, let me know:

  • What level of cover you are looking for (sum insured vs. specified items)
  • Whether you want to bundle it with car or house insurance

I can help you narrow down which provider might suit your coverage needs best.

Ask anything

Captured 11 October 2026