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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'm looking for house insurance in Tasman. Which insurers should I look at?

For house insurance in the Tasman region of New Zealand, I’d start by getting quotes from a mix of the major insurers and a local insurance broker. The best option will depend on your property’s exact location, rebuild cost, construction, and exposure to natural hazards.

Insurers worth comparing

These are good starting points rather than a definitive ranking. Consumer NZ’s February 2026 comparison includes several of these providers, allowing you to compare premiums, policy features and customer satisfaction. Best house and contents insuranceBest and worst insurance companies in New Zealand

Tower Insurance

A useful first quote to get, with three levels of house cover from Standard to Premium.

Website: Tower house insurance

Source: Compare House Insurance NZ - Quote & Buy Online

AMI Insurance

Offers house cover including specified natural-hazard protection, temporary accommodation and some hidden water-leak damage.

Website: AMI house insurance

Source: Home Insurance | Quote & Buy Home Insurance

State Insurance

Another established provider worth comparing alongside AMI, particularly if you want to compare similar mainstream policies.

Website: State Insurance

Comparison source: Best house and contents insurance

AA Insurance

Worth including in your quote round to see how its price, excess and policy limits compare.

Website: AA Insurance

Comparison source: Best house and contents insurance

FMG

Particularly worth investigating if your Tasman property is a lifestyle block, farm, or rural home with additional buildings.

Website: FMG

Comparison source: Best house and contents insurance

MAS

Offers house insurance for owner-occupied homes, rentals, holiday homes and lifestyle properties. Check eligibility and whether its terms suit your property.

Website: MAS house insurance

Source: House Insurance

Also consider a local insurance broker

A broker may be especially useful if your property is rural, near the coast, on a hillside, or has had difficulty obtaining cover directly.

  • Tasman Insurance Brokers — 299b Queen Street, Richmond. Phone: 03 545 1759.
  • Waimea Insurance Brokers — 32 Talbot Street, Richmond. Phone: 03 544 4466.

You can ask them to approach insurers on your behalf and explain any special conditions or exclusions that may apply.

What matters most for a Tasman property

When comparing quotes, pay particular attention to:

  • Flooding and landslides: Ask how the policy treats damage to the house versus damage to the land, retaining walls, driveways and accessways.
  • Coastal exposure and storms: Check applicable exclusions, limits and excesses.
  • Wildfire risk: Particularly relevant if the house is surrounded by bush or located in a rural area.
  • Rebuild cost: Insure for the cost of rebuilding, including demolition, professional fees and compliance costs, rather than simply using the property's market value.
  • Natural-disaster cover: Check how the insurer's cover works alongside Natural Hazards Commission Toka Tū Ake cover. How to get the best house and contents insuranceHome Insurance | Quote & Buy Home Insurance

I wouldn't choose based on the cheapest premium alone. Two policies can have very different excesses and restrictions even when the prices look similar.

Let’s narrow it down

One detail would help me suggest the most relevant insurers for your situation: what sort of property in Tasman are you insuring?

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I'm looking for house insurance in Tasman. Which insurers should I look at?

When looking for house insurance in the Tasman region, your options generally fall into major nationwide insurers, specialized rural/lifestyle insurers, and digital-first or mutual alternatives. Because Tasman features a mix of coastal properties, lifestyle blocks, rural settings, and suburban homes (like in Richmond or Motueka), the right insurer will depend heavily on your specific property type and location risk profile.

The key insurance providers and groups to look at include:

1. Major Insurer Brands (IAG Group)

IAG is the largest general insurer in New Zealand and operates several well-known consumer brands. They offer robust, comprehensive policies with wide networks of repairers:

  • AMI: Very popular for residential and lifestyle block coverage. They feature online quotes, good temporary accommodation limits, and tools like sum-insured calculators.
  • State Insurance: Another major IAG brand offering competitive household policies and flexible policy options.
  • NZI: Often accessed through brokers, specializing heavily in broader commercial, residential, and complex property risks.

2. Independent & Direct Competitors

  • AA Insurance: Consistently highly rated for customer service and claims handling by New Zealand consumer advocates, offering standard comprehensive home policies.
  • Tower: Known for flexible "sum insured" models, user-friendly digital tools, and competitive pricing. They also underwrite digital channels like Trade Me Insurance.
  • Initio: A digital-first Kiwi insurer that has grown rapidly. They are often great for straightforward online quoting, including non-standard or rental properties.

3. Rural & Lifestyle Specialists (Ideal for Tasman)

Tasman has a high concentration of rural properties, orchards, and lifestyle blocks. If your property falls outside standard urban zoning:

  • FMG (Farmers Mutual Group): Highly recommended if you live on a lifestyle block, farm, or rural area in Tasman. FMG specializes in rural risk, outbuildings, fencing, and liability regarding wandering stock, and frequently wins customer satisfaction awards (such as Consumer NZ People’s Choice).
  • MAS (Medical Assurance Society): A mutual insurer that is often noted for offering area-replacement style coverage (covering full rebuild costs even if material and labor spikes exceed standard estimates), though membership criteria or professional backgrounds traditionally applied.

What to Consider When Comparing Policies for Tasman:

  • Property Type & Location: If you are near waterways, prone to flooding, or on a lifestyle block with multiple sheds, steep driveways, or retaining walls, make sure to check how each insurer handles natural hazard sub-limits, retaining wall caps, and rural liability.
  • Sum Insured vs. Full Rebuild: Most insurers (like Tower, Initio, and AMI) operate on a Sum Insured basis, meaning you set a maximum dollar limit for your rebuild. Ensure you use calculators (like Cordell Sum Sure via AMI or Quotable Value) accurately, as underinsurance is a significant risk.
  • Broker Support: Because Tasman spans varied terrain from coastal areas (like Kaiteriteri/Pōhara) to inland valleys, utilizing a local broker (such as Tasman Insurance Brokers or regional advisors serving Nelson-Tasman) can help shop the market across multiple underwriters simultaneously to find the best fit for your specific land title and location.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I'm looking for house insurance in Tasman. Which insurers should I look at?

AI Overview

When looking for house insurance in the Tasman region, all major New Zealand providers offer residential coverage. However, because parts of Tasman face specific local hazards—such as seismic risks from the Waimea-Flaxmore Fault System or flood profiles on the Waimea Plains—insurers rely heavily on individualized, address-level risk pricing.

The primary house insurance providers and options available to properties in the Tasman district include:

Major Direct Insurance Providers

These nationwide brands allow you to generate quotes and manage policies online or over the phone:

  • Tower Insurance : Named Canstar’s Insurer of the Year for Home & Contents (2024–2026). They offer multi-tiered policies (Standard, Plus, Premium) and use granular risk-based pricing tailored to specific natural hazard exposures.

  • AMI Insurance : A very popular mainstream insurer that features an online quote layout and an "unlimited rebuild cost after fire" benefit that covers total loss exceeding your baseline sum insured.

  • State Insurance : A long-standing provider offering competitive comprehensive home coverage, including specialized add-ons for lifestyle blocks or regional retaining walls up to $50,000.

  • AA Insurance : Provides robust coverage options including temporary accommodation up to $40,000 if your home becomes unliveable. Note: Always check your exact postcode, as AA Insurance occasionally pauses new policies in specific high-exposure seismic or flood zones nationwide.

Specialist and Mutual Providers

  • FMG Insurance : Highly active across rural and residential areas of New Zealand. FMG is an excellent choice if your property in Tasman is a lifestyle block, farm, or situated in a semi-rural area.

  • MAS (Medical Assurance Society) : A mutual company that is unique in the market for offering a "Full Area Replacement" model rather than a strictly capped sum insured policy.

  • Initio Insurance : A digital-first provider specializing in quick online quotes for traditional homes, holiday baches, and landlord/rental properties.

Local Insurance Brokers

Because Tasman's terrain blends coastal, river, and hilly geographies, navigating premiums can sometimes be simpler with local expertise. You can use regional brokers who can source policies from intermediated-only corporate insurers like Vero Insurance :

  • Waimea Insurance Brokers : A locally owned broker operating across Richmond, Tasman, and Golden Bay.

  • Tasman Insurance Brokers : A regional firm designed to source personalized coverage directly through human advisors.

Direct Comparison Tools

To see how these providers stack up on cost for your exact property, you can plug your details into independent NZ platforms like Quashed or Glimp to compare monthly premium variables side by side.

To help narrow down the best provider for your situation, could you tell me:

  • What type of property are you insuring? (e.g., standard residential home, holiday bach, or a lifestyle block?)

  • Is this a new purchase or are you looking to switch an existing policy?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I'm looking for house insurance in Tasman. Which insurers should I look at?

When looking for house insurance in New Zealand (including the Tasman region), several major and alternative providers operate nationwide. Availability and pricing can depend on the specific property's risk profile (such as proximity to rivers, coastal elements, or land slip risks), so it is wise to compare quotes across multiple providers.

Major house insurance providers to look at in New Zealand include:

  • Tower Insurance : Offers flexible tiered policies (Standard, Plus, Premium) with online quoting systems and features like sustainability upgrade covers. You can review options directly on the Tower Insurance NZ site.

  • State Insurance : A well-established national insurer providing broad accidental damage and natural hazard coverage, recognized for value by independent consumer awards. Check details via State Insurance NZ. House Insurance NZ | Get a Quote | State Insurance NZ

  • AA Insurance : Frequently top-rated for customer satisfaction and service value, providing comprehensive home and contents packages.

  • AMI Insurance : Another major nationwide brand with robust policy options for natural hazard and sudden accidental damage.

  • Initio Insurance : A digital-first, flexible option that allows you to customize excess levels and sum insured amounts entirely online. You can explore their platform at Initio Insurance.

  • Cove Insurance : A modern, app-and-online-focused insurance provider offering streamlined digital policy setup and management. More information is available on Cove Insurance.

  • MAS (Medical Assurance Society) : Specialises in comprehensive protection, though membership criteria or professions may apply depending on the specific society guidelines.

To help narrow down the best choice, could you share a bit more about the property:

  • Is it a standard residential home , a rental/investment property , or on a lifestyle block?
  • Roughly when was it built , or does it have any specific regional risks (like proximity to the coast or flood-prone areas)?

I can help tailor these recommendations or highlight what specific policy limits to check for.

Ask anything

Captured 11 October 2026