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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 changing rentals next month. How do I update my contents insurance without a gap?

To avoid a gap in your contents insurance when you change rentals in New Zealand, the safest approach is to update your insurer before you move rather than cancelling and starting a new policy after you arrive. AA Insurance

Here’s a practical checklist:

  1. Tell your insurer your move date and new address

    • Contact your insurer and ask to change the insured address on your contents policy.
    • Provide the date you’ll move, the new rental address, and any details they request about the new property. Your premium or cover may change because insurers consider factors such as location and property details. AMI Site

  2. Ask when cover starts at the new rental

    • Get confirmation that the new address is covered from the date you need it.
    • Don’t assume your policy automatically transfers—many insurers require you to notify them and have the change accepted. MAS

  3. Check your overlap during the move

    • Many New Zealand contents policies provide some cover at both your old and new addresses for a limited moving period, but the timeframe and conditions vary by insurer. For example, some policies allow up to 14 days of cover at both addresses if you notify the insurer and meet policy conditions. NZI Site
    • Check your own policy wording rather than relying on the general rule.

  4. Review your sum insured

    • Moving is a good time to check whether the amount your contents are insured for still matches the value of your belongings. ICNZ | Insurance Council of New Zealand
    • A larger rental, new furniture, appliances, or changes in what you own may mean you need to adjust your cover.

  5. Confirm in writing

    • Ask for an updated policy schedule or email confirmation showing:
      • new address
      • effective date
      • premium changes (if any)
      • any changes to excesses or conditions

A simple timeline:

  • 2–4 weeks before moving: contact insurer and request the address change.
  • Before moving day: confirm the change is approved and the start date.
  • After moving: check your policy documents show the correct address.

If you tell me your insurer (for example AA, AMI, Tower, State, etc.) and whether you’re moving on a specific date or have an overlap between rentals, I can help you check what steps they usually require.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I'm changing rentals next month. How do I update my contents insurance without a gap?

Moving between rentals in New Zealand requires coordinating your contents insurance to ensure your belongings are protected during the transition—especially if your moving process spans multiple days or a weekend.

Here is a step-by-step guide to updating your contents insurance seamlessly without a coverage gap:

1. Contact Your Insure Early (1–2 Weeks Out)

Notify your current insurer well in advance of your moving date. Let them know your current address, your new address, and the exact dates of your move.

2. Request Dual-Coverage (Overlap Period)

Most New Zealand insurers (such as AA Insurance, AMI, State, or Tower) offer a temporary dual-address extension or standard transit cover.

  • Dual-Risk Period: Many policies automatically cover your contents at both your old and new addresses for a brief overlap period (usually 30 days or while items are actively in transit), provided you are moving between them.
  • Transit Cover: Check if your policy covers your items while they are being physically moved (either by yourself in a hire truck or by professional movers).

3. Review Your Policy Details for the New Property

Your risk profile may change with the new property, which can affect your premium or policy terms:

  • Security & Location: Does the new property have a burglar alarm, deadbolts, or off-street parking? Is it in an area with a different risk profile?
  • Sum Insured: Take the opportunity to review whether your total sum insured still accurately reflects the replacement value of your belongings.
  • Excess: Confirm whether the excess will change under the new policy terms.

4. Align the Policy Start Date

Ensure that your official policy address update or new policy start date matches the day you legally take possession or begin moving your items into the new place. Double-check your confirmation documents to ensure there is no gap between when the old address coverage expires (if applicable) and the new address coverage begins.

Recommended Action Plan

  1. Call your insurer: Give them your new address and moving dates at least 7 days before you move.
  2. Confirm dual cover: Explicitly ask: "Does my policy cover my belongings at both properties and in transit during my moving period?"
  3. Update your schedule: Set a calendar reminder to verify that the policy change has been processed on your moving day.

What type of property are you moving into (e.g., standalone house, apartment, flatting situation), and will you be using professional movers?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I'm changing rentals next month. How do I update my contents insurance without a gap?

AI Overview

To update your contents insurance seamlessly when moving between rentals in New Zealand, you need to contact your current insurance provider to transfer your policy. Most major New Zealand insurers automatically provide a grace period that covers your belongings at both addresses simultaneously.

Here is the exact step-by-step sequence to ensure you do not face a coverage gap or unexpected losses on moving day:

1. Leverage the Dual-Address Grace Period

Most standard comprehensive contents policies in NZ built-in a provision designed exactly for moving. When you inform your insurer of your moving dates, they will generally cover your items at both your old rental and your new rental for a limited time window.

  • AA Insurance : Covers your contents at both addresses for 21 days from when you start moving.

  • State Insurance & AMI: Cover your contents at both addresses for 14 days (two weeks).

  • Cove Insurance & Aon: Cover your contents at both addresses for up to 30 days.

2. Update Your Details Pre-Move

Do not wait until moving day. Contact your insurer as soon as your lease agreement is signed and dates are locked in. You will need to provide:

  • Your new physical address.

  • The exact date you will begin moving items.

  • Any changes to the security features of the new rental (e.g., alarms, deadlocks), as this can alter your premium.

3. Secure "In-Transit" Cover for Moving Day

A common blind spot for renters is assuming their standard policy covers accidental drops, breaks, or scratches while items are loaded in a truck. Standard contents policies typically only cover "In-Transit" damage for major incidents —such as a fire, vehicle collision, or theft from a locked vehicle.

To protect against everyday accidental damage during the move, check your options:

  • Professional Movers: Ask if they operate under "Carrier's Risk" or "Owner's Risk". If it is Owner's Risk, they are not legally responsible for accidental damage. You can usually pay an extra fee directly to a reputable moving company to buy comprehensive transit insurance.

  • DIY Moves: If you are moving items yourself or hiring a van, your standard policy's transit limits usually apply. Check if your insurer offers a short-term Household Removal / Transit extension to cover accidental breaks during a self-move.

4. Review the Policy Premium

Because a contents premium is partially calculated based on the risk profile of your specific geographic location and building type, transferring your policy may slightly adjust your premium. Your provider will calculate the difference and adjust your direct debit accordingly.

To help you get this sorted quickly, who is your current contents insurance provider , and are you planning a DIY move or using professional movers? Knowing this can help narrow down the specific transit coverage rules you will face.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I'm changing rentals next month. How do I update my contents insurance without a gap?

You can update your contents insurance without a gap by contacting your insurer ahead of time to set an effective start date for your new address , or by relying on the automatic temporary "moving grace period" most New Zealand insurance providers include in standard renter policies.

When moving between rentals, managing your policy requires a few key steps to ensure continuous protection for your belongings:

  1. Contact your insurer early: Notify your provider (such as AA Insurance or Vero) a week or two before your move date to officially update your address and set the exact date the risk transfers to the new property.
  2. Check for dual-address coverage: Review your policy wording, as many NZ insurers automatically cover your belongings at both the old and new addresses for a short window (typically 14 to 30 days) while you actively move.
  3. Understand transit limits: Note that items in transit or inside a moving truck often have restricted coverage (usually limited to fire, natural disaster, or vehicle collision/overturning rather than general accidental breakage), so check your specific policy details. [AA Insurance]
  4. Overlap the dates if needed: If your moving timeframe exceeds your insurer's automatic transition window, request a temporary overlap where both properties are listed as covered for a couple of transition days.
  5. Review the new risk profile: Keep in mind that changing locations, security features (like alarms or window locks), or building types can alter your premium cost, which your insurer will recalculate upon the address update.

If you tell me the name of your insurance provider or how many days your moving overlap will take , I can check their specific transition policy rules for you.

Ask anything

Captured 11 October 2026