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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 Taranaki. Which insurers should I look at?

For a home in Taranaki, New Zealand, I’d compare a mix of the major national insurers and at least one broker. Taranaki can have specific considerations such as coastal exposure, storms, flooding risk in some areas, and earthquake/natural hazard cover, so don’t choose on price alone. Consumer NZ

Insurers worth getting quotes from

  • AMI Insurance — A mainstream option with home and contents cover, including natural hazard damage options and temporary accommodation benefits. AMI Site
  • State Insurance — Another large NZ home insurer; worth comparing if you already have other policies bundled. State Site
  • Tower Insurance — Offers several levels of house insurance cover and provides online quoting tools. Tower Insurance NZ
  • AA Insurance — A commonly compared provider for home and contents insurance. Consumer NZ
  • FMG Insurance — Particularly worth considering if your property is rural, lifestyle, or has farm-related features. Consumer NZ
  • MAS — Another provider included in independent NZ comparisons. Consumer NZ
  • Initio Insurance — A digital-focused insurer that may appeal if you prefer managing policies online. Consumer NZ

Also consider using a broker

A broker can be useful if your home is unusual (older build, coastal, lifestyle block, high rebuild cost, prior claims, or difficult to insure). They can compare policies beyond the big direct insurers.

Things I’d compare specifically for Taranaki

  • Sum insured / rebuild estimate — make sure it includes demolition, debris removal, professional fees, GST, driveways, fences, and other rebuild costs.
  • Natural hazard wording — check how earthquake, landslip, storm, and flood-related events are treated.
  • Excesses — a cheaper premium can come with a much higher excess.
  • Temporary accommodation limits — important if your home becomes uninhabitable.
  • Coastal or rural add-ons — check cover for corrosion, sheds, fences, outbuildings, tanks, and other property features if relevant.

A good starting approach would be to get quotes from AMI, State, Tower, AA, and FMG, then compare the policy wording rather than just the annual premium. Consumer NZ

If you tell me whether it’s a standard town house, rural/lifestyle property, coastal property, rental, or a new build, I can narrow down which insurers are likely to fit best.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

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

When looking for house insurance in Taranaki, you have access to major nationwide insurers as well as local insurance brokers who understand regional property considerations (such as coastal weather or rural/lifestyle blocks).

Major National Insurers

Most well-known New Zealand insurance providers offer comprehensive house policies that cover your home for sudden and accidental damage, natural hazards, and legal liability:

  • AMI and State: Both are part of the IAG group and are widely used across New Zealand. They offer robust online policy management, temporary accommodation allowances, and repair networks.
  • AA Insurance: Consistently popular for customer satisfaction and service quality, offering flexible policy options and member discounts.
  • Tower: Known for competitive digital-first quoting, flexible sum insured options, and add-ons tailored to various property types.
  • MAS (Medical Assurance Society): A strong option if you qualify for membership, notable for offering area-replacement coverage rather than a strict sum-insured model.
  • Initio: A popular online-focused insurer known for quick digital quotes and handling tricky or unique properties.

Local Taranaki Insurance Brokers

If your property has unique features, is a rural or lifestyle block, or if you want help navigating different policy wordings, working with a local broker can be very helpful:

  • Gallagher Insurance (New Plymouth): Provides expert local advice for personal lines, residential homes, rural/lifestyle blocks, and commercial properties.
  • The HTL Group (New Plymouth): A long-standing Taranaki-based team offering general, personal, and rural insurance advice alongside mortgage and wealth services.
  • McDonald Everest: Independent Taranaki brokers providing personal and rural house insurance options across major underwriters.

Key Tips for Taranaki Homeowners

  • Check Natural Hazard and Weather Risks: Given Taranaki's coastal environment and proximity to the mountain, make sure your policy clearly specifies coverage for wind, storm damage, and any local environmental factors.
  • Sum Insured vs. Full Replacement: Double-check whether your policy uses a fixed "sum insured" limit or an "area replacement" guarantee. Using a calculators like Cordell Sum Sure can help ensure you aren't underinsured if building costs rise.

If you like, I can help you outline the specific questions to ask an insurance broker or provider to compare quotes effectively. 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'm looking for house insurance in Taranaki. Which insurers should I look at?

AI Overview

All major national insurance companies provide residential property coverage throughout the Taranaki region, including AA Insurance , AMI , State , and Tower. Homeowners can secure policies directly online or coordinate customized coverage through regional insurance brokers based in New Plymouth.

Taranaki Environmental Risks to Disclose

Insurers utilize individual address-level hazard modeling across New Zealand, which impacts premiums based on specific localized environmental threats.

  • Volcanic Hazard Exposure:

  • Positioned near Mt Taranaki

  • Lahar risk zone impact

  • Covered via NHC cap Landlord Insurance vs House Insurance for a RentalHouse Insurance Stratford 2026 | Compare.org.nzHome & Contents Insurance in New Zealand

  • Flood & Coastal Risks:

  • Waitara River mouth flooding

  • Patea River flood plains

  • High-risk coastal erosion spots House Insurance Waitara 2026 | Compare.org.nzHouse Insurance Stratford 2026 | Compare.org.nz

Major National Insurers

  • AA Insurance : Provides standard and premium sum-insured policies. Offers multi-policy discounts if bundled with vehicle or contents insurance. Includes up to $40,000 for temporary accommodation.

  • AMI : Part of the IAG group. Features unlimited rebuild costs after a fire exceeding your chosen sum insured. Provides access to the AMI HomeHub repair network.

  • State Insurance : Offers comprehensive house insurance including gradual plumbing leak cover up to $3,000. Provides bundled savings up to 15% when combined with car insurance.

  • Tower Insurance : Recognized by Canstar as Insurer of the Year. Utilizes address-level risk-based pricing , factoring in localized risks such as Taranaki's volcanic or flooding zones.

  • MAS : A mutual company frequently voted Consumer People's Choice. Highly distinct for offering Area Replacement cover , which pays the full actual rebuild cost even if material or labor costs spike significantly.

  • FMG : A top-rated mutual insurer highly recommended by Consumer NZ. Exceptional for lifestyle blocks, rural properties, and standard homes across Taranaki.

Local Taranaki Insurance Advisers & Brokers

The Advisers

4.9

(44)

Insurance broker

ClosedNew Plymouth

Call

Directions

Website

A local financial advice provider based in New Plymouth that specializes in tailoring home and contents coverage specifically to unique Taranaki environmental risks.

HTL Insurance

4.7

(21)

Insurance agency

ClosedNew Plymouth

Call

Directions

Website

Operating out of New Plymouth , they are a member broker of Insurance Advisernet providing personalized advisory and claims support for residential, lifestyle, and rural properties.

Gallagher Insurance

5.0

(1)

Insurance broker

ClosedNew Plymouth

Call

Directions

Website

Maintains a physical branch on Currie Street in New Plymouth , providing professional risk brokerage and customized asset protection for local homeowners.

To help refine these options, could you provide the town or district within Taranaki where the house is located, the estimated rebuild cost (sum insured) , and whether it is a standard home, lifestyle block, or rental property?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

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

When looking for house insurance in New Zealand (including the Taranaki region), you have a mix of major nationwide direct insurers, digital-first providers, and local insurance brokers who can tailor policies for specific property risks (such as rural, lifestyle blocks, or older homes).

Major Direct Insurers in New Zealand

These companies offer nationwide coverage and let you quote or manage policies directly online or via phone:

  • State Insurance: One of New Zealand's largest and most well-known brands, offering comprehensive home policies with customizable options.

  • AMI: Another major nationwide insurer with extensive experience across New Zealand residential properties.

  • AA Insurance: Frequently praised in consumer satisfaction and service awards for their straightforward home and contents cover.

  • Tower Insurance: Known for user-friendly digital tools and progressive policy structures.

  • Trade Me Insurance / Initio: Good options if you prefer fast, streamlined online quoting and flexible or digital-first policies.

  • Cove Insurance: An online-focused provider offering alternative digital home and car insurance options.

Local Taranaki Brokers & Advisers

If your property has unique considerations—such as being a lifestyle block, a rural/farm property, or a specialized build—working with a regional or local broker can give you access to wholesale or specialized insurer markets that standard direct insurers might restrict:

Gallagher Insurance Taranaki

5.0

(1)

Insurance broker

ClosedNew Plymouth

Call

Directions

Website

A major regional branch handling domestic, rural, and commercial property lines.

McDonald Everest Insurance Brokers

4.8

(12)

Insurance broker

ClosedNew Plymouth

Call

Directions

Website

Specializes in domestic, rural, and business insurance throughout Taranaki.

Dunlop Insurance and Investments Limited

5.0

(6)

Insurance agency

ClosedHāwera

Call

Directions

Website

A locally owned and operated firm based in Hāwera serving the wider Taranaki region for home, lifestyle, and farm cover.

Strive Insurance Brokers

Offers general, residential, and rural insurance solutions across Taranaki.

To help narrow down the best insurer or broker for you, could you let me know:

  • Is the property a standard urban residential home or a rural/lifestyle block?
  • Are you looking to buy direct from a major brand or prefer working with a local broker?
Ask anything

Captured 11 October 2026