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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 Hawke's Bay and need contents insurance. Which companies should I get quotes from?

The Insurance Team NZ

For contents insurance in Hawke’s Bay, I’d get quotes from a mix of the large national insurers and at least one broker. Prices and wording can vary a lot, especially around natural hazards, excesses, and what is considered “accidental damage.” Consumer NZ

I’d start with these:

  • AMI Insurance — a major NZ insurer with dedicated contents cover, including options for accidental loss/damage and replacement-style cover on many items. AMI Site
  • AA Insurance — worth comparing, particularly if you already use AA products; it offers contents insurance and a contents calculator to help estimate your sum insured. AA Insurance
  • NZI — often considered for broader or higher-value cover; its contents policies include different tiers of cover. NZI Site
  • State Insurance — include it in your comparison; it is one of the insurers commonly compared in NZ contents insurance reviews. Consumer NZ
  • Tower Insurance — another established NZ option to quote against. Consumer NZ
  • FMG — particularly worth considering if you’re on a lifestyle block, farm, or have rural-related contents needs. Consumer NZ
  • Initio — an online-focused insurer that can be useful as a price comparison. Consumer NZ

Because you’re in Hawke’s Bay, I’d pay particular attention to:

  • flood and storm-related exclusions or limits
  • earthquake/natural hazard wording
  • whether your cover is replacement value or market value
  • the excess (a cheaper premium can come with a much higher claim cost)
  • cover for sheds, tools, bikes, jewellery, collections, and home office equipment if relevant

A broker can also be useful if you have a more complex situation (older property, lifestyle block, high-value contents, multiple buildings). For example, The Insurance Team NZ is a Hawke’s Bay-based insurance broker you could ask for a comparison.

A practical shortlist for three or four quotes would be:

  1. AMI
  2. AA Insurance
  3. NZI
  4. FMG (especially if rural/lifestyle) or a broker comparison

When you request quotes, use the same contents value and excess with each insurer so you’re comparing like with like.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in Hawke's Bay and need contents insurance. Which companies should I get quotes from?

When shopping for contents insurance in New Zealand—especially in a region like Hawke's Bay, which has distinct regional considerations regarding weather events and natural hazards—it is wise to get quotes from a mix of major national insurers, regional specialists, and via insurance brokers.

Here are the key companies and options you should consider getting quotes from:

1. Major National Insurers (Direct Quotes)

Getting quotes from several of the country's primary insurers allows you to compare online pricing, policy limits, and standard benefits (such as "new-for-old" replacement vs. indemnity value):

  • Tower: Frequently recognized for home and contents awards, Tower offers flexible tier-based contents policies (Standard, Plus, and Premium) and a straightforward online quoting system.
  • State Insurance & AMI: Both are major household brands under the IAG umbrella (alongside NZI). They offer competitive comprehensive contents packages that include accidental damage options, temporary accommodation, and legal liability cover.
  • AA Insurance: Often scores well for customer satisfaction and trust in New Zealand, offering solid standard and comprehensive contents policies.
  • Trade Me Insurance: Underwritten by Tower, they frequently offer competitive online-only quotes that can be worth checking for digital-first management.

2. Rural & Regional Specialists

  • FMG (Farmers Mutual Group): If you live on a lifestyle block, rural residential property, or a farm in Hawke’s Bay, FMG is a specialist worth including. They heavily cater to rural and provincial risks and are a perennial winner of consumer satisfaction awards.

3. Consider Using a Local Insurance Broker

Because insurance pricing and availability can vary significantly across different postcodes and hazard zones in Hawke's Bay, using a local broker can save you time and unearth options you might not find online. Brokers have access to wholesale or specialized insurer markets. Local options with a regional presence include:

  • Gallagher Insurance (Napier/Hawke's Bay branch): Provides personalized domestic and rural broker services across Napier, Hastings, Havelock North, and the wider region.
  • Insure Hawke's Bay (Insurance Advisernet): Local brokers who can source quotes across multiple general insurance underwriters on your behalf.
  • LMS Insure: Operating locally in Central Hawke's Bay (such as Waipukurau), providing tailored domestic insurance advice.

Tips for Getting Quotes in Hawke's Bay:

  1. Check the Natural Disaster / Earthquake Terms: Ensure you understand how each insurer applies excesses or calculates cover for natural disasters (EQC/Natural Hazards Commission-regulated elements alongside private insurer contents rules).
  2. Accurate Sum Insured: Use the insurers' online contents calculators to estimate the true replacement cost of your belongings (clothing, electronics, furniture, appliances) so you don't accidentally underinsure.
  3. Financial Strength Rating: Ensure any company you choose maintains an A (Strong) or higher Financial Strength Rating from a recognized ratings agency like AM Best (required by law to be displayed on their website).
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in Hawke's Bay and need contents insurance. Which companies should I get quotes from?

AI Overview

When looking for contents insurance in Hawke's Bay , it is highly recommended to get quotes from multiple providers, as premiums vary significantly. In areas affected by major weather events like Cyclone Gabrielle, many insurers use address-level, risk-based pricing, which makes comparing quotes essential to find the best deal.

The primary nationwide insurance companies to request quotes from include:

🏆 Top-Rated & Award-Winning Insurers

  • FMG (Farmers Mutual Group): Consistently ranked as the highest-rated provider for contents insurance in New Zealand according to Consumer NZ’s satisfaction surveys. They offer comprehensive residential policies tailored to regional and lifestyle properties.

  • Tower Insurance: Awarded Canstar's Home & Contents Insurer of the Year. Tower is known for its customized, address-level risk pricing, which can sometimes result in competitive rates depending on your exact location. They frequently offer multi-policy or online sign-up discounts.

  • MAS (Medical Assurance Society): Alongside FMG, MAS routinely takes top honors in customer satisfaction and value for money. Though originally for medical professionals, it is open to society members and offers excellent cover options.

🏛️ Major Mainstream Providers

  • AA Insurance: Highly rated for customer service and claims handling. They offer both "Comprehensive" and more budget-friendly "Limited" contents options.

  • AMI & State Insurance: Both are backed by IAG, NZ's largest insurance group. They offer robust standard policies with strong policy features like temporary accommodation and hidden gradual water damage cover.

💻 Digital & Challenger Brands

  • Cove Insurance: A completely digital insurer that makes it exceptionally fast to secure a quote online. They are great if you want to buy a standalone contents-only policy (ideal for renters or flatmates) without needing a matching house policy.

  • Trade Me Insurance: Underwritten by Tower, they offer strong policy tiers and competitive pricing, particularly if you are an active Trade Me user looking for a streamlined online experience.

📈 Provider Comparison Overview

Provider Key Feature / Benefit Consumer Trust / Award Status
FMG Excellent regional coverage, customizable Consumer NZ People's Choice Winner
Tower Address-specific pricing tiers Canstar Insurer of the Year
AA Insurance "One event, one excess" policy features Very Strong S&P Financial Rating (AA-)
AMI Large network, great multi-policy bundling Canstar 5-Star Outstanding Value Winner
Cove Flexible, standalone digital contents cover Popular for renters and quick digital setup

💡 Quick Tips for Hawke's Bay Applicants

  1. Bundle for Discounts: If you also own a home or a vehicle, look into bundling them with the same company to save up to 10% to 20% across your premiums.

  2. Review the Excess: Choosing a higher excess (the amount you pay yourself if you make a claim) is the easiest way to immediately lower your ongoing premium costs.

  3. Use Local Brokers for Tricky Locations: If your property is in a high-risk flood or coastal zone, online quote engines might automatically decline or flag the address. If this happens, a local broker (such as LMS Insure Hawke's Bay) can manually negotiate a fair policy with major underwriters on your behalf.

To help tailor this, are you renting or do you own the property? If you have any specific high-value items like e-bikes, jewellery, or digital devices , let me know so I can point out which policy limits fit best.

Ask anything

Captured 11 October 2026