Search studies, brands and more…⌘ KExplore research

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 Manawatū–Whanganui and need contents insurance. Which companies should I get quotes from?

For contents insurance in Manawatū–Whanganui, New Zealand, I’d get at least four quotes from different insurers, then compare the cover as well as the price. Your premium can depend on your exact address, the type of home you live in, the value of your belongings and the excess you choose.

Which insurers to get quotes from

These are the providers I’d put on your shortlist, including established insurers and options worth checking for rural or provincial households. Compare Contents Insurance Quotes NZ 2026Compare Contents Insurance NZ (2026) | Quotes & CostsBest Home & Contents Insurance NZ 2026: Compare Quotes & Save

  1. AA Insurance

A useful starting point for standard contents cover, with online quotes and options for contents-only insurance.

Get a quote: aa.co.nz

  1. AMI

Worth comparing for everyday household belongings, valuables and cover for items taken away from home.

Get a quote: ami.co.nz

  1. State Insurance

Another established provider to price alongside AMI and AA. Compare the policy limits and excesses, rather than assuming similar brands offer identical cover.

Get a quote: state.co.nz

  1. Tower Insurance

Worth checking if you want to compare different levels of contents cover and excess options.

Get a quote: tower.co.nz

  1. Trade Me Insurance

Another online option to include in your price comparison. Check whether belongings are covered for replacement value or depreciated value, and the limits that apply.

Get a quote: trademeinsurance.co.nz

  1. FMG

Particularly worth checking if you live on a lifestyle block, farm or rural property. Ask whether your household contents and any specialist equipment need separate cover.

Get a quote: fmg.co.nz

  1. MAS

Worth comparing if you’re eligible to join. Check its current eligibility rules and whether its contents benefits fit your needs.

Get a quote: mas.co.nz

An easy way to compare quotes

Rather than filling in seven applications separately, you can start with a comparison service:

You could also ask a local broker, such as P&C Insurance Brokers, which is based in Feilding and arranges domestic insurance. P & C Insurance BrokersHead Office

What matters most when comparing policies

Don't choose on premium alone. Check these points in each quote:

  • Replacement value: Will the insurer replace your belongings with new equivalents, or pay their depreciated value?
  • Natural disasters: Check cover for earthquake, flooding, storm damage and any applicable exclusions or limits.
  • Accidental damage: Is accidental breakage or damage included, or is it an optional extra?
  • Valuables: Check the limits for jewellery, bicycles, electronics and other expensive items.
  • Excess: Compare what you would pay yourself if you made a claim.
  • Away-from-home cover: Check whether phones, laptops and other belongings are covered when you take them out.

Consumer NZ's buying guide explains these considerations in more detail. How to get the best house and contents insuranceCompare Contents Insurance Quotes NZ 2026

One question to narrow down the shortlist

Do you rent, own your home, or live on a lifestyle block/farm? That will help me narrow the providers to the most relevant options for your situation in Manawatū–Whanganui.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in Manawatū–Whanganui and need contents insurance. Which companies should I get quotes from?

When shopping for contents insurance in the Manawatū–Whanganui region, it is best to get quotes from a mix of major nationwide insurers, regional specialists, and direct or online-focused providers. Because insurance premiums and underwriting criteria (such as local weather, flood risks, or burglary rates) vary heavily between companies, comparing multiple options ensures you get the right balance of coverage and price.

The key insurance providers operating in New Zealand that you should consider getting quotes from include:

1. Major Nationwide Insurers

  • AA Insurance: Frequently top-rated for customer service and claims handling, with straightforward policy options.
  • AMI: One of the country's most prominent insurers, offering various tiers of contents cover and multi-policy discounts if you bundle with car or house insurance.
  • State Insurance: Another major brand under the IAG umbrella, known for comprehensive benefits and competitive standard contents policies.
  • Tower: Highly regarded for its flexible digital quoting platform and multi-tiered contents options (Standard, Plus, and Premium). They are regular winners of industry awards.

2. Regional and Specialist Insurers

  • FMG (Farmers Mutual Group): Highly recommended if you live on a lifestyle block, rural property, or outside major urban centers like Palmerston North or Whanganui. FMG understands rural-residential risks well and frequently wins consumer choice awards.
  • MAS (Medical Assurance Society): If you are eligible (traditionally tied to specific professional groups, though eligibility has broadened), they offer tailored, high-end policies with great member benefits.

3. Challenger & Online Providers

  • Initio: Known for offering quick, transparent online quotes and flexible policies that appeal to a wide range of homeowners and renters.
  • Trade Me Insurance: Underwritten through major partnerships, they provide easily accessible online quotes that are quick to compare.

Tips for Getting Your Quotes in Manawatū–Whanganui:

  • Check Natural Hazard and Flood Risk: Manawatū–Whanganui has several major river systems (such as the Manawatū and Whanganui rivers). Insurers will automatically run your specific address through their mapping software to assess local flood or slip risks, which can impact your premiums and excess.
  • Accurately Calculate Your Sum Insured: Use the online contents calculators provided by insurers (like Tower or AMI) rather than guessing. People frequently undervalue how much it costs to replace everything in their home (clothing, electronics, furniture, appliances) all at once ("new for old" replacement).
  • Bundle Policies: If you also need car or house insurance, check if bundling them with the same provider unlocks a multi-policy discount.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in Manawatū–Whanganui and need contents insurance. Which companies should I get quotes from?

AI Overview

For contents insurance in the Manawatū–Whanganui region, you should gather quotes from a mix of top-rated specialized providers and major national insurers. Because New Zealand insurers use address-level, risk-based pricing for localized natural hazard profiles (like flooding or seismic risks in parts of the region), quotes can vary significantly between brands.

The best companies to get quotes from are grouped below by their market strengths:

🏆 Top-Rated for Customer Satisfaction

These two member-focused insurers consistently win Consumer NZ's "People's Choice" awards for contents insurance.

  • FMG (Farmers Mutual Group) : Historically ranked #1 for contents insurance satisfaction. They have deep operational roots across regional New Zealand and are highly recommended for urban, rural, and lifestyle block residents alike.

  • MAS (Medical Assurance Society) : Routinely ranks at the top alongside FMG for service and claims. While originally built for professionals, MAS is open to the general public and offers generous sub-limits, such as up to $25,000 for home-based business equipment.

🎖️ Award-Winning Market Leaders

These major brands are widely utilized across the country and offer highly customizable policies.

  • Tower Insurance : Won Canstar’s Home & Contents Insurer of the Year Award. Tower is known for its strict address-based hazard pricing, meaning if your specific home is clear of flood zones, your premium could be highly competitive.

  • AA Insurance : A powerhouse provider known for clear policies and a strong claims process. They provide excellent multi-policy discounts if you decide to bundle your contents with car or house insurance.

  • State Insurance : Recognized by Canstar for "Outstanding Value". Their comprehensive policy includes strong baseline protections like up to $30,000 for temporary accommodation if an event makes your home unliveable.

💻 Fast Online Competitors

If you want quick digital quotes or potentially lower premiums, look into these challenger options:

  • Trade Me Insurance : Underwritten by Tower but features a 15% discount for active Trade Me members.

  • Initio : A heavily automated, online-only Kiwi provider that lets you manage quotes and policy adjustments entirely through an instant digital dashboard.

Quick Comparison of Key Features

Insurer Key Benefit Best For
FMG Exceptional customer service track record Regional and lifestyle block owners
MAS High sub-limits for home offices ($25k) Quality-focused buyers & remote workers
Tower Dynamic, risk-adjusted premium rates Tech-forward quoting and modern hazard evaluation
AA Insurance Robust bundling/multi-policy discounts Those looking to combine car, home, and contents
State High temporary accommodation limits ($30k) Solid, reliable all-around policy features

To help tailor this, are you renting or do you own your home, and do you need to cover any high-value items like expensive jewellery, bikes, or laptops?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I live in Manawatū–Whanganui and need contents insurance. Which companies should I get quotes from?

When shopping for contents insurance in New Zealand, getting quotes from a mix of major nationwide insurers and top-rated customer satisfaction providers is the best way to compare pricing, policy excesses, and specific benefits (such as temporary accommodation limits or portable item cover).

Recommended companies to approach for quotes include:

  • AA Insurance – Consistently scores very high in New Zealand customer satisfaction and service awards.

  • Tower Insurance – Noted for digital-first, transparent risk pricing and competitive value awards. [MoneyHub NZ]

  • AMI Insurance – One of the country's most established nationwide insurers with comprehensive policy choices.

  • State Insurance – Offers robust comprehensive contents protection with standard inclusions like temporary accommodation and legal liability. [State Insurance NZ]

  • Trade Me Insurance – Recognized for competitive pricing and great levels of combined or standalone cover value.

  • FMG Insurance or MAS – Particularly high-ranking in Consumer NZ satisfaction surveys, especially if you have rural, lifestyle block, or specific professional/community ties.

If you share details like your estimated contents value , whether you live in a rural/lifestyle property or town , or if you want to bundle with car/house insurance , I can help you tailor what specific policy features to watch out for.

Ask anything

Captured 11 October 2026