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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 bought contents insurance online but I'm not sure whether my laptop is covered when I take it out. Where do I check?

For a New Zealand contents insurance policy, the place to check is your policy wording and policy schedule (the document that shows exactly what you bought). Whether your laptop is covered when you take it out depends on your insurer and the type of cover you selected. Many NZ contents policies cover belongings temporarily away from home, but the limits and exclusions vary. ICNZ | Insurance Council of New Zealand

Check these sections:

  1. “What we cover” / “Contents cover”

    • Look for wording like:

  2. “Specified items” or “high-value items”

    • Some policies require expensive items (including laptops in some cases) to be listed separately, or they may have a maximum payout limit. MAS

  3. “Exclusions”

  4. Your policy schedule

    • Confirm the level of cover you purchased (for example, basic vs comprehensive), your excess, and whether your laptop is specifically listed.

If you tell me which insurer you bought the contents insurance from (for example, Tower, AA Insurance, AMI, State, FMG, etc.) and the policy name if you know it, I can help you find the exact section to look for.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I bought contents insurance online but I'm not sure whether my laptop is covered when I take it out. Where do I check?

To find out whether your laptop is covered when you take it out of your home, you will need to check a few specific places within your policy documents.

Here is where and what you should look for:

1. Your Certificate of Insurance (Policy Schedule)

  • What to look for: Look for a section labeled "Specified Items", "Portable Valuables", or "Personal Effects".
  • Why it matters: Laptops are high-value electronics. Many standard New Zealand contents policies have a maximum payout limit per individual item (known as a "single item limit") unless you explicitly declared and listed the laptop as a specified item when you bought the policy.

2. The Policy Wording Document

  • What to look for: Search the PDF or booklet for terms like "Away from home", "Portable contents", "Temporary removal", or "Accidental loss/damage anywhere in New Zealand".
  • Why it matters: Policies differ significantly:
    • Some comprehensive or premium policies automatically cover your items anywhere in New Zealand up to your full sum insured.
    • Other standard or basic policies may only cover items inside the insured address, offer limited coverage away from home (e.g., up to a strict sub-limit like $1,000), or require you to purchase a "portable items" add-on extension.

3. Your Online Customer Portal

  • What to do: Log into the online dashboard or portal of the insurance provider you purchased the policy from.
  • Why it matters: Your portal will typically list your active cover type, chosen options, and any optional add-ons (such as portable electronic equipment cover) that you selected during the online checkout process.

Next Step: If you check your certificate and can't clearly tell whether portable items are included, the quickest and safest route is to call or live-chat your insurer's customer service team, give them your policy number, and ask directly: "Is my laptop covered against accidental damage and theft while I am carrying it around outside my home in New Zealand?"

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I bought contents insurance online but I'm not sure whether my laptop is covered when I take it out. Where do I check?

AI Overview

To check if your laptop is covered when you leave the house, you need to review your Policy Schedule and the Product Disclosure Statement (PDS) or Policy Wording document provided by your New Zealand insurance provider (such as AA Insurance, Tower, State, or AMI).

Standard contents insurance usually only covers items while they are physically inside your home. Taking your laptop out requires a specific type of extension.

1. Check Your Policy Schedule

This is the personalized summary sheet your insurer emailed you when you purchased the policy.

  • What to look for: Look under headers labeled "Mobile Items," "Personal Effects," "Portable Valuables," or "Worldwide Cover."

  • Specified vs. Unspecified:

  • If you explicitly entered your laptop's serial number and value during the online signup, it will be listed here as a Specified Item.

  • If you didn't list it, look to see if you selected a general "Unspecified Mobile Cover" add-on (e.g., up to $1,000 per item).

2. Review the Main Policy Wording

If your schedule isn't clear, log into your online insurer portal and download the full Policy Wording PDF.

  • What to look for: Use Ctrl + F to search for "Exclusions" and "Temporary Removal."

  • The Trap: Many NZ policies have a "Temporary Removal" clause. This covers your items if they are temporarily shifted to another building (like a repair shop or holiday home), but does not cover them if they are stolen from your backpack at a café or dropped while you are out and about.

3. Identify Your Coverage Type

In New Zealand, out-of-home coverage generally falls into one of two categories:

Cover Type How It Works
Standard Contents Only covers the laptop while it is inside your domestic home. No coverage if dropped at a café or stolen from a car.
Mobile/Everyday Things Add-on An optional extra you must actively choose. Covers items anywhere in New Zealand (and sometimes worldwide for up to 30–90 days).

If you cannot find the terms "Mobile Items" or "Unspecified/Specified Valuables" on your certificate, assume it is not covered outside your home.

To clear this up, you can log into your insurer's online dashboard to view your policy details, use their live chat feature, or ring their customer service line. If you don't have it, you can ask them to add "Mobile Effects Cover" to your policy immediately.

To help me give you more relevant information, do you know which insurance company your policy is with, or did you remember choosing any optional add-ons when buying it online?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I bought contents insurance online but I'm not sure whether my laptop is covered when I take it out. Where do I check?

To find out if your laptop is covered when you take it outside your home, you will need to check the specific documents provided by your insurer when you bought the policy online.

Here are the specific places you should look:

  • Policy Schedule (Certificate of Insurance): This is the summary document emailed to you after purchase. Look for a section listing "Specified Items" or "Portable/Personal Valuables" (items like laptops, cameras, or jewellery that you wear or carry outside the home). If your laptop's specific serial number or description is listed here with an extra value attached, it is fully covered away from home. If it isn't specifically listed, you'll need to check your general policy wording for unspecified limits.

  • Policy Wording Booklet: This is the full terms and conditions document for your specific tier of cover (e.g., standard, comprehensive, or limited contents). Look up sections related to "Specified and unspecified portable items," "Items away from home," or "Restricted/Limited cover." It will tell you whether basic portable items are automatically covered nationwide or if a separate portable add-on is required.

  • Online Customer Portal or App: Log into the online account you created with your insurer when purchasing the policy. Your active policy details, cover limits, and optional add-ons (such as portable electronics cover) will be itemised under your policy management dashboard.

  • The Policy Excess and Limits Summary: Check whether your policy has a maximum payout limit for items damaged, lost, or stolen away from your home, and note what your standard or accidental damage excess will be in the event of a claim.

If you can share the name of your insurance provider (e.g., AA Insurance, Tower, AMI, State, etc.) and the tier of cover you bought, I can give you a better idea of where to look or what standard limits they typically apply to laptops.

Ask anything

Captured 11 October 2026