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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 Auckland and need contents insurance. Which companies should I get quotes from?

For contents insurance in Auckland, I’d get quotes from at least four or five insurers, plus one comparison service. There isn’t a single cheapest insurer for everyone: your premium depends on the value of your belongings, your address, your excess and the cover you choose. A New Zealand comparison service reported substantial price differences between quotes for the same household in 2026. Compare Contents Insurance NZ (2026) | Quotes & CostsBest house and contents insurance

My shortlist for New Zealand

These are the providers I’d start with, whether you rent or own your home and only need to insure your belongings.

  1. AA Insurance

A good starting point for comparing comprehensive and limited contents cover, particularly if you want to weigh up price against protection.

Get a quote: AA Insurance. Contents Insurance - Get NZ wide cover

  1. AMI

Worth comparing for accidental loss or damage, theft, temporary accommodation and cover for belongings affected by hidden plumbing leaks.

Get a quote: AMI Contents Insurance. Contents Insurance | Get a Quick Quote & Buy Online

  1. State Insurance

A useful alternative to AMI and AA. Compare its accidental damage cover, limits for valuable items and excess options.

Get a quote: State Contents Insurance. Contents Insurance | Compare, Quote & Buy Online

  1. Tower Insurance

Include Tower for another major provider's pricing and cover options. It's also worth checking its contents policy against the other quotes on identical settings.

Get a quote: Tower Insurance website. Compare Contents Insurance Quotes NZ 2026Best house and contents insurance

  1. Cove

Particularly worth checking if you prefer getting a quote and managing your policy online. Its contents insurance is available separately for renters as well as homeowners.

Get a quote: Cove Insurance. Compare Contents Insurance Quotes NZ 2026

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

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

When looking for contents insurance in Auckland, it is recommended to get quotes from several established providers to compare pricing, policy limits, and standard exclusions.

The primary insurance companies operating in New Zealand that you should check out include:

  • Tower Insurance: Frequently recognized for comprehensive contents policies and plain-language wording.
  • AA Insurance: A widely used option known for reliable customer service and roadside/home bundling perks.
  • AMI: A major nationwide insurer offering practical add-ons like temporary accommodation and cover for items temporarily moved or taken on trips.
  • State Insurance: Another major provider offering clear policy definitions and competitive multi-policy or online discounts.
  • Trade Me Insurance: Offers tailored contents options that integrate well with online digital management.
  • AMP: Provides standard household contents coverage that can be evaluated alongside your other personal insurance needs.

Tips for Comparing Quotes

  • Calculate your sum insured accurately: Use an online calculator (such as Suncorp's or those provided on insurer websites) to tally up the value of your clothing, electronics, furniture, and appliances so you are neither under- nor over-insured.
  • Check the excess: A higher excess generally lowers your monthly or annual premium, but make sure it remains an amount you can easily afford if you need to make a claim.
  • Review specific limits: Look closely at sub-limits for high-value items like bicycles, jewelry, or electronics to ensure they match what you own.

If you like, I can guide you through how to use a contents calculator or what specific questions to ask providers when requesting your quotes. Do you want me to do that?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

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

AI Overview

You should get contents insurance quotes from top-rated providers likeFMG and MAS, award winners like Tower, and major market players including AA Insurance, AMI, and State.

To secure the most competitive rate and comprehensive coverage for your Auckland property, gather quotes across these three distinct categories of providers:

1. Top-Rated for Customer Satisfaction

These mutual and specialized insurers consistently top customer experience metrics in New Zealand:

  • FMG : Awarded the Consumer NZ People's Choice award for contents insurance multiple years running. They score highly for their customer support and straightforward claim processes.

  • MAS (Medical Assurance Society) : Highly rated alongside FMG in customer satisfaction surveys. Though originally for professionals, their policies are open to the wider public and known for high-quality coverage.

2. Major Market Insurers

The bulk of New Zealand's general insurance is underwritten by these household names, which offer reliable coverage and multi-policy bundling discounts:

  • Tower Insurance : Frequently recognized as Canstar's Home & Contents Insurer of the Year. Tower relies on risk-based pricing tailored to your exact address.

  • AA Insurance : One of the country's largest insurers. They offer premium discounts if you are an AA Member.

  • AMI & State: Both are massive, well-established brands under the IAG umbrella. They offer standard comprehensive policies but generally see lower satisfaction ratings compared to FMG or MAS.

3. Digital Challengers

If you want quick, online-first platforms that often boast lower overhead prices:

  • Trade Me Insurance : Underwritten by Tower, offering streamlined online management and potential savings if you are an active user of the platform.

  • Initio : An online-only provider focusing on fast, instant quoting software and straightforward policies.

Key Comparison Strategies

Insurer Category Key Benefit What to Look Out For
Customer Favorites (FMG, MAS) Top-tier claims support Slightly higher base premiums
Corporate Giants (Tower, AA, IAG) Great multi-policy discounts Address-specific flood risk pricing
Digital Platforms (Trade Me, Initio) Fast, paperless setup Less human interaction for claims

Critical Clauses to Check Before Buying

  • New-for-Old vs. Present Value: Opt for a "Replacement Value" (new-for-old) policy rather than "Present Value" (indemnity) so you can replace old electronics or furniture with brand new versions rather than receiving a depreciated payout.

  • Single-Event Excess: If you bundle your contents policy with a house or car policy, check if the insurer waives one of the excesses if a single disaster (like a storm or flood) damages both your home and belongings.

  • Auckland Flood Risk: Due to historical weather events in Auckland, major insurers closely analyze your specific neighborhood's flood maps. Check your address via the Auckland Council Flood Viewer to anticipate if you will face higher premium brackets.

To get started, pull together a rough estimate of what it would cost to completely replace all your items, and use that total figure to plug into online quote tools across at least three providers.

If you would like to narrow down the list, let me know:

  • Whether you are renting or own the home

  • If you plan to bundle contents with car or house insurance

  • Whether you own high-value individual items like e-bikes, specialized tools, or expensive jewellery

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

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

When shopping for contents insurance in New Zealand , it pays to get quotes from a mix of major providers and digital-focused challenger brands because prices and benefit limits can vary significantly for similar levels of cover.

The primary companies you should consider getting quotes from include:

  • AA Insurance: Frequently top-rated for customer service and satisfaction in local market awards.

  • AMI Insurance: A widely used, traditional nationwide insurer with comprehensive policy options.

  • State Insurance: Another major household brand offering extensive optional extras and broad standard inclusions.

  • Tower Insurance: Known for flexible, easy-to-use digital platforms and straightforward online quoting.

  • Trade Me Insurance: Often provides competitive pricing leveraging digital-first policy management.

  • AMP: Offers general insurance options that can be easily compared alongside your other financial products.

  • Initio: A popular online-based provider known for fast, efficient digital policy setup.

  • MAS (Medical Assurance Society): Worth checking if you belong to eligible professional groups (such as health, legal, or scientific fields) for tailored member benefits.

To help narrow down your choice and ensure a fair comparison, you can cross-reference features and market satisfaction ratings on the Canstar Home & Contents Insurance Guide or read a detailed breakdown of policy differences on MoneyHub's Contents Insurance Guide.

If you'd like, let me know:

  • Whether you are renting or owning the property
  • Approximately how much total cover (sum insured) you need
  • If you have any high-value items (like jewelry, high-end electronics, or bikes) that need special specification

I can give you more targeted tips on what to look for in your policy's Product Disclosure Statement (PDS).

Ask anything

Captured 11 October 2026