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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 live in Canterbury and need contents insurance. Which companies should I get quotes from?

For contents insurance in Canterbury, New Zealand, I’d get quotes from at least four or five insurers, comparing both price and what happens if your belongings are damaged, stolen or destroyed.

I’d start with the mainstream insurers, then include a couple of alternatives. Canterbury’s earthquake history makes it particularly important to check the policy wording for natural-disaster damage, rather than choosing on premium alone.

Which insurers to get quotes from

These nine providers are included in Consumer NZ’s house and contents insurance comparison, updated in February 2026. How to get the best house and contents insuranceBest house and contents insurance

  1. AA Insurance

A useful starting quote for comprehensive contents cover, with both comprehensive and limited options available. Contents Insurance - Get NZ wide coverContents Insurance – Get NZ wide cover

Get a quote

  1. AMI

Include this mainstream provider to compare premiums, excesses and cover limits against the other quotes.

AMI website

  1. State Insurance

Worth comparing alongside AMI and AA when looking for a policy that suits your belongings and living arrangements.

State website

  1. Tower

Another established insurer to compare. Tower says its pricing considers location-specific factors, including earthquake risk. Understanding Your Premium - Contents

Tower website

  1. Trade Me Insurance

Add this to your shortlist for another price and policy comparison.

Trade Me Insurance website

  1. MAS

Particularly worth considering if you value replacement-value cover and additional benefits. Check its eligibility and membership requirements when requesting a quote. MAS Contents InsuranceContents Insurance

Contents insurance details

  1. FMG

Include FMG if you live rurally or on a lifestyle property, and check whether your situation fits its eligibility criteria.

FMG website

  1. Initio

Another option included in Consumer NZ’s comparison. Check its current contents-only offering and eligibility for your address.

Initio website

  1. AMP

Also listed in Consumer NZ’s comparison. Confirm whether it is accepting new contents insurance applications for your circumstances. Best house and contents insuranceInsurance forms | contents

AMP website

What matters most in Canterbury

Before choosing a policy, compare these five things:

  • Earthquake and natural-disaster damage: Ask specifically whether your household contents are covered for earthquake damage and what excess applies. Do not assume your contents receive the same protection as your house. The Natural Hazards Commission's NHCover does not cover household contents. How to get the best house and contents insuranceAbout natural hazards cover :: Natural Hazards Commission Toka Tū Ake
  • Replacement value: Check whether damaged belongings are replaced with equivalent new items or settled at their depreciated value.
  • Contents sum insured: Estimate what it would cost to replace everything you own, not just your expensive items.
  • Excesses: Compare both the standard excess and any separate earthquake or other special excess.
  • Items away from home: Check cover for phones, laptops, bicycles, jewellery and other valuables outside your home.

Consumer NZ has an independent comparison of nine insurers, including policy details, premiums and customer satisfaction information: Compare house and contents insurance. Its results can help you narrow down your shortlist, although your actual quote will depend on your circumstances. How to get the best house and contents insuranceBest house and contents insurance

Let’s narrow it down for you

One detail will help me recommend which companies to approach first: are you renting your home, or do you own it?

That matters because if you're renting, you generally only need contents insurance, whereas if you own your home, it may be worth comparing bundled house and contents cover as well.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in Canterbury and need contents insurance. Which companies should I get quotes from?

When shopping for contents insurance in Canterbury, it is wise to compare quotes across a mix of major national insurers, regional specialists, and direct-to-consumer brands. Because Canterbury has unique historical context regarding natural hazard risk (such as earthquake zoning and land classifications), policy wordings, natural hazard levies, and excess structures can vary noticeably between providers.

The following insurance companies operating in New Zealand are recommended for gathering comparative contents insurance quotes:

Major National Insurers

  • AMI Insurance: One of New Zealand's largest domestic insurers with a massive footprint, well-equipped to handle standard and regional residential policies.
  • State Insurance: A sister brand to AMI under the IAG umbrella, offering robust policy features and multi-policy discounts if you bundle contents with vehicle or house cover.
  • Tower Insurance: Known for straightforward, plain-language policies and frequent industry awards for home and contents packages. They operate entirely online/digitally, making quote comparisons fast.

Specialized & Mutual Insurers

  • FMG (Farmers Mutual Group): Particularly strong if you live on a lifestyle block, rural residential property, or rural edge of Canterbury, as they specialize in regional and lifestyle risk profiles.
  • MAS (Medical Assurance Society): If you work in health, science, or professional sectors, MAS offers member-focused general insurance with strong policy inclusions.

Key Tips for Getting Quotes in Canterbury

  1. Check the Natural Hazards Commission (NHC / Toka Tū Ake) Cover: Contents insurance in New Zealand includes a levy for NHC earthquake and natural disaster cover for your belongings (up to statutory limits). Ensure you understand how each insurer integrates this into their policy.
  2. Accurately Calculate Your Sum Insured: Canterbury's history means underinsurance is heavily guarded against. Use the provider's contents calculator tool (or do a thorough room-by-room inventory) to avoid being caught short on replacement values.
  3. Bundle and Save: Most providers (like AMI, State, and Tower) offer multi-policy discounts if you group your contents insurance with your car or house insurance.

Would you like tips on how to calculate your contents sum insured accurately before getting your quotes?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in Canterbury and need contents insurance. Which companies should I get quotes from?

AI Overview

For contents insurance in Canterbury, you should get quotes from a mix of top-rated consumer favorites, major traditional insurers, and specialized challenger brands.

Because Canterbury has a distinct natural hazard profile due to its earthquake history, pricing and availability can vary significantly depending on your specific address. Getting quotes from multiple providers will ensure you find the best value and coverage.

1. Consumer Favorites & Award Winners

These companies consistently rank highest for customer satisfaction and overall value in New Zealand consumer surveys.

  • FMG Insurance : Regularly takes the top spot for customer satisfaction in independent surveys like Consumer NZ. They offer excellent, highly tailored residential contents policies even if you don't live on a lifestyle block or farm.

  • MAS (Medical Assurance Society) : Though originally for medical professionals, MAS is open to the general public and is highly rated for its customer support, policy clarity, and comprehensive benefits.

  • Tower Insurance : Awarded Canstar’s Home & Contents Insurer of the Year for multiple consecutive years. Tower uses highly specific, address-level risk pricing, which can sometimes work heavily in your favor depending on where in Canterbury you live.

2. Major Mainstream Insurers

These are the largest general insurers in New Zealand. They have robust financial strength ratings and handle a significant volume of local policies.

  • AA Insurance : Very popular, highly trusted, and known for straightforward claims processes. They also offer multi-policy discounts if you bundle your car or house cover.

  • AMI Insurance : Part of the massive IAG group, AMI has a massive presence in the South Island. Their policies regularly win "Outstanding Value" awards.

  • State Insurance : Another major player offering reliable, standard plain-language contents policies with great optional extras (like excess-free coverage for spectacles and hearing aids).

3. Digital-First & Challenger Brands

If you want quick, online-only management and potentially lower base premiums, look into these options.

  • Cove Insurance : A modern, highly-rated digital provider that allows you to buy and manage contents insurance purely online with flexible, monthly subscription-style payments.

  • Initio : An online-focused property insurance provider backed by IAG that specializes in rapid online quotes and straightforward coverage.

Direct Provider Comparison

Provider Category Top Recommendations Key Advantage
Top Rated by Consumers FMG, MAS Exceptional customer service and payout reputation
Industry Heavyweights AA Insurance, AMI, State, Tower Financial stability, multi-policy bundling discounts
Digital-First Cove, Initio Fast online setup, instant policy adjustments

Quick Tips for Canterbury Residents:

  • Single-Event Excess: If you own a home or a car, try to quote with your existing provider first. Most major insurers use a "single-event excess," meaning if a major natural disaster (like an earthquake) damages both your house and your belongings, you only pay one excess instead of two.

  • High-Value Items: Standard policies have sub-limits (often around $3,000–$5,000) for items like jewelry, e-bikes, or cameras. If you have items worth more than this, make sure to specify them individually when getting your quotes.

To help tailor this, are you renting or do you own your home? If you have any high-value belongings like e-bikes or jewelry, let me know so I can point out the best policy limits for you.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I live in Canterbury and need contents insurance. Which companies should I get quotes from?

When shopping for contents insurance in Canterbury , it is wise to get quotes from a mix of major national insurers and direct brands. Because Canterbury has specific regional considerations (such as historical seismic activity and varying land/risk profiles), comparing multiple providers helps ensure you get a balance of competitive pricing, appropriate policy limits, and manageable excesses.

Here are the key insurance companies operating in New Zealand where you should request contents insurance quotes:

  • AA Insurance - A widely used direct insurer known for competitive everyday policies and consistent customer service recognition.

  • AMI Insurance - A well-established brand with deep historical roots across New Zealand and various localized branch networks.

  • State Insurance - Offers comprehensive policies with robust standard inclusions like temporary accommodation and legal liability.

  • Tower Insurance - Known for digital-first quote and management tools, offering flexible policy structures.

  • Trade Me Insurance - Underwritten by major insurers, providing an accessible online alternative often tailored for competitive pricing.

  • FMG (Farmers Mutual Group) - Particularly strong if you are rural, lifestyle-block based, or farming in the wider Canterbury region.

To help narrow down which provider might suit you best, could you let me know:

  • Do you live in a metro area (like Christchurch) or a rural/lifestyle property?
  • Are you looking for sum-insured or total replacement / comprehensive cover?
Ask anything

Captured 11 October 2026