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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 does contents insurance protect that house insurance normally doesn't?

In New Zealand, house insurance (home insurance) protects the building, while contents insurance protects the belongings inside it — and often some of your personal possessions when you take them outside the home.

What contents insurance covers that house insurance normally doesn't

  1. Furniture and household items

Sofas, beds, tables, curtains, rugs, lamps and other movable household furnishings.

  1. Electronics and appliances

TVs, laptops, phones, gaming consoles, cameras and other covered electronic devices. Freestanding appliances may also count as contents.

  1. Clothing, jewellery and personal valuables

Clothes, shoes, handbags, watches and jewellery, subject to policy limits and any special conditions for valuable items.

  1. Personal belongings away from home

Some policies cover items such as bicycles, luggage and phones when you're out and about, travelling in New Zealand or temporarily overseas. The extent of cover varies.

Contents insurance may also cover other items, such as toys, kitchenware, linen and some personal belongings kept in garages or sheds, depending on your policy.

A simple example

Imagine a kitchen fire damages your home.

Item damaged Which insurance normally covers it?
Walls, ceiling and structural repairs House insurance
Built-in kitchen cabinetry House insurance
Sofa, dining table and TV Contents insurance
Clothes, bedding and personal belongings Contents insurance
Freestanding microwave Usually contents insurance

The exact classification of some items, such as fitted carpets and appliances, depends on the policy wording. House & Contents Insurance: Sum Insured ExplainedContents Insurance

What contents insurance may cover beyond your belongings

Depending on your policy, it may also include:

  • Accidental damage — for example, accidentally damaging a covered item.
  • Theft or burglary — stolen possessions, subject to policy conditions.
  • Personal liability — certain situations where you're legally liable for damage to someone else's property.
  • Temporary accommodation or extra expenses — some policies offer benefits when an insured event makes your home uninhabitable.

These benefits aren't automatic under every policy, so check the specific terms. MAS Contents InsuranceWhat Home, Contents & Car Insurance Don't Cover (NZ)

Do you need contents insurance if you rent?

Usually, it's worth considering. Your landlord's house insurance generally protects the building, not your furniture, clothes, laptop or other belongings. You can generally arrange contents insurance without owning the property.

One useful way to decide is to ask yourself: If everything I own inside my home was destroyed tomorrow, could I afford to replace it myself?

If not, contents insurance could be valuable.

For New Zealand-specific guidance, see the Insurance Council of New Zealand's house and contents insurance guide.

One important distinction: neither policy automatically covers every cause of damage. Check exclusions, excesses, claim limits for valuables and whether your contents are covered away from home. What Home, Contents & Car Insurance Don't Cover (NZ)House & Contents Insurance: Sum Insured Explained

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ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

What does contents insurance protect that house insurance normally doesn't?

In New Zealand, the general rule of thumb is that house insurance (building insurance) covers the physical structure of your home and anything permanently attached to it, while contents insurance protects everything you would take with you if you moved out.

Contents insurance protects several key categories and scenarios that standard house insurance typically leaves uncovered:

1. Movable Personal Belongings & Chattels

House insurance does not cover your personal movable property. Contents insurance covers items kept in or around your home, including:

  • Electronics and Gadgets: Laptops, smartphones, tablets, cameras, and televisions.
  • Clothing and Personal Effects: Wardrobe items, footwear, handbags, and jewellery.
  • Loose Furniture and Furnishings: Freestanding beds, couches, fridges, washing machines, rugs, and non-fixed carpets.
  • Recreation and Outdoor Gear: Bicycles, e-bikes, kayaks, surfboards, camping gear, and portable tools.

2. Theft and Burglary

If someone breaks into your home and steals your belongings (such as cash, bicycles, or electronics), house insurance will only cover structural damage to the building (like a broken window or forced door frame). It will not pay to replace the stolen items themselves. Contents insurance is what covers the financial loss of the stolen items.

3. Portable Items Taken Away from the Home

Many New Zealand contents policies (depending on whether you select standard or comprehensive tier coverage) extend protection to items you wear or carry outside the house—such as prescription glasses, laptops used at a café, or a camera taken on a local trip. House insurance strictly applies only to the insured physical address.

4. Personal Legal Liability

Contents insurance policies usually include personal liability cover. This protects you if you accidentally cause damage to someone else’s property or injure someone outside of your home (for instance, accidentally crashing your bicycle into a parked car or dropping a heavy item inside a friend's house). House liability typically only covers incidents arising directly from the physical ownership of the property land/building.

Is there a specific type of asset or item you are trying to figure out how to insure?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

What does contents insurance protect that house insurance normally doesn't?

AI Overview

Contents insurance protects your personal, unattached belongings , whereas house insurance (building insurance) only covers the physical structure of your home and its permanent fixtures.

While house insurance covers the walls, roof, floors, and built-in cupboards, contents insurance covers everything you would take with you if you moved houses.

Direct Comparison

Feature House Insurance 🏠 Contents Insurance 🛋️
Physical Structure (Walls, roof, foundation) Covered Not covered
Fixtures & Fittings (Built-in baths, sinks, kitchen units) Covered Not covered
Furniture (Beds, sofas, dining tables) Not covered Covered
Appliances (Fridges, washing machines, microwaves) Not covered Covered
Personal Electronics (Laptops, phones, TVs) Not covered Covered
Clothing & Jewellery (Suits, watches, rings) Not covered Covered
Carpets & Curtains Not covered (usually) Covered

What Contents Insurance Covers

  • Furniture and furnishings: Sofas, beds, dining sets, freestanding wardrobes, curtains, and carpets.

  • Electrical items: Televisions, laptops, mobile phones, gaming consoles, and kitchen appliances.

  • Personal effects: Clothing, shoes, jewelry, watches, and bags.

  • Leisure items: Bikes, sporting equipment, books, musical instruments, and toys.

Key New Zealand Differences to Keep in Mind

  • The "Upside Down" Test: A common rule of thumb used by New Zealand insurers is to imagine taking the roof off your house and turning it upside down. Everything that falls out is covered by contents insurance. Everything that stays attached is covered by house insurance.

  • Carpets and Blinds: In New Zealand, unfixed carpets, rugs, blinds, and curtains are almost always classified as contents , not part of the house structure.

  • Away from Home Cover: Most standard New Zealand contents policies also protect your everyday personal items (like your phone, wallet, or laptop) if they are stolen or damaged while you are away from home, such as at a cafe or work.

To help you find the right level of coverage, would you like to know about how to calculate your sum insured , or do you want to explore common policy exclusions like high-value jewelry limits?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

What does contents insurance protect that house insurance normally doesn't?

  • Belongings and movable items : Protects your personal property inside the home that isn't screwed down or permanently built in—such as furniture, clothing, electronics, appliances, jewelry, and sports equipment. House insurance only covers the physical structure of the building itself and permanent fixtures like built-in kitchen cabinetry or bathroom vanities.

  • Property away from home : Often extends coverage for personal items you take with you temporarily when you leave the house, such as laptops, phones, cameras, or luggage while traveling or commuting. House insurance strictly applies only to the designated insured physical address.

  • Tenant and guest liability : Provides legal liability cover if you accidentally cause damage to someone else's property or cause bodily injury to a visitor while you are at home or out and about. House insurance liability typically covers structural damage caused by the property itself (like a tree from your yard falling on a neighbor's fence), rather than your personal actions or movable belongings.

  • Temporary accommodation (contents-specific) : If you rent your home and it becomes uninhabitable due to a sudden event like a fire or major flood, contents insurance covers your additional costs to live elsewhere. (Note: While house insurance covers temporary accommodation for homeowners, a contents-only policy covers it for renters or complements your living arrangements regarding your movable household goods).

Would you like me to clarify how sum insured calculations work for contents versus house insurance, or what wear and tear exclusions apply to both?

Ask anything

Captured 11 October 2026