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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

We sometimes put our Queenstown holiday home on Airbnb. Will ordinary home insurance cover it?

Probably not automatically. In New Zealand, if you put your Queenstown holiday home on Airbnb, you should tell your insurer and check that your policy specifically allows short-term guest accommodation. A standard home policy may not cover the extra risks created by paying guests. Marsh New Zealand

The answer usually depends on how you use the property:

  • You and your family use it as a holiday home, and you occasionally Airbnb it when you’re not there: Some insurers will cover this, sometimes under a home policy with an extension or a specialist short-stay/holiday-home policy. Initio Insurance NZ
  • It is mainly run as an Airbnb business and you rarely or never use it yourself: You may need commercial or specialist short-term rental cover rather than ordinary home insurance. Marsh New Zealand
  • You don’t tell your insurer: You risk a claim being declined or restricted because the property’s use has changed. Initio Insurance NZ

Also note that Airbnb’s own host protection (AirCover) is not a substitute for your own house and contents insurance; it has its own terms and limitations. Initio Insurance NZ

For your situation, I’d ask your insurer something like:

“Our holiday home is normally for our own use, but we occasionally list it on Airbnb for short stays. Does our current policy cover guest stays, guest damage, liability to guests, and loss of rental income?”

Keep a copy of their written response.

If you tell me:

  1. whether it is your own holiday home that you use,
  2. roughly how many nights a year it is on Airbnb, and
  3. whether you use a property manager,

I can outline what type of cover is usually appropriate in NZ.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

We sometimes put our Queenstown holiday home on Airbnb. Will ordinary home insurance cover it?

In short: No, standard or ordinary home insurance will typically not fully cover your property if it is being used as a short-term rental like Airbnb, especially because it is a holiday home in a high-demand location like Queenstown.

Failing to disclose short-term guest hosting to your insurer can result in a declined claim or a voided policy.

Key considerations for insuring a Queenstown holiday home used on Airbnb include:

  • The "Paying Guest" Exclusion: Many standard domestic home or holiday home policies explicitly exclude or severely limit damage caused by paying guests, or they restrict cover if the house is occupied by non-family members without prior insurer approval.
  • Unoccupancy Clauses: Because it is a holiday home, standard policies often have strict rules about how many consecutive days the house can be left vacant versus when it is commercially occupied.
  • Specialist Endorsements or Landlord/Short-Term Policies: Major New Zealand insurers (such as AMI, Vero, State, or specialized providers like Initio) usually require you to add a short-term rental endorsement or switch to a policy specifically structured for holiday homes and baches. These typically adjust your excess for guest-related claims and can include loss of rental income.
  • Airbnb's AirCover is Not Insurance: While Airbnb provides "Host Damage Protection" and "Host Liability Insurance", these programs are platform-specific guarantees with strict claim windows (often 14 days), heavy documentation requirements, and plenty of exclusions (such as no natural disaster cover or building structure protection). They do not replace a proper New Zealand domestic policy.

Recommended Next Steps

  1. Call your current insurer: Explicitly ask them if short-term letting on Airbnb is permitted under your existing policy wording, or if you need a specific short-term rental add-on.
  2. Review your excess and exclusions: Find out what extra excess applies if a guest damages your property.
  3. Explore specialized options: If your current provider doesn't cater well to Queenstown holiday baches on Airbnb, look into dedicated short-term rental packages through New Zealand insurance brokers or specialized providers.
Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

We sometimes put our Queenstown holiday home on Airbnb. Will ordinary home insurance cover it?

AI Overview

No, an ordinary or standard home insurance policy will not automatically cover a holiday home used for Airbnb. Holiday Homes; rented to short-term guests[PART 1] Are You Covered? The Truth About Airbnb Host

Key Factors for New Zealand Holiday Home Hosts

  • Disclosure is mandatory: You must notify your insurance provider that you are using the property for short-term rentals. Failing to do so can result in declined claims or a voided policy.

  • Holiday home vs. primary residence: Because a Queenstown holiday home is an intermittent or secondary residence—not your main, permanently lived-in home—it carries a different risk profile for insurers.

  • Guest-caused damage gaps: Standard policies typically cover fire, storms, and natural disasters, but many exclude or limit cover for malicious, deliberate, or accidental damage caused by paying short-term guests.

  • Platform protection isn't enough: While platforms provide programs like Airbnb AirCover , these are not legal replacements for comprehensive New Zealand house, contents, or landlord insurance.

  • Specialized options: Providers in New Zealand offer dedicated Holiday Home& Airbnb Insurance or policy extensions that cover guest damage, theft, loss of rental income, and public liability.

If you share how many weeks a year you plan to rent it out and which insurer you currently use, I can help point you toward specific short-term rental policy types available in New Zealand.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

We sometimes put our Queenstown holiday home on Airbnb. Will ordinary home insurance cover it?

No, an ordinary or standard residential home and contents insurance policy typically will not fully cover your property if you use it for short-term rentals like Airbnb without notifying your provider.

Here is what you need to know about how standard policies respond and what you should consider:

  • The duty to disclose: Insurance companies in New Zealand assess risk based on who occupies the home. Operating a short-term rental changes the risk profile (more diverse foot traffic, vacant periods, and different liability risks). If you don't tell your insurer and a claim arises while a paying guest is there, they may decline the claim or void your policy.

  • Standard domestic vs. specialized cover: Some standard insurers (such as AA Insurance) may cover occasional short-term hosting, but you must explicitly declare it, and it often requires a specific policy endorsement, higher excesses, or adjusted premiums. Others may require a specific holiday home, landlord, or short-term rental policy.

  • Don't rely on Airbnb's guarantees: Airbnb offers built-in protections like Airbnb Host Liability Insurance, but these are primarily third-party liability safety nets and come with strict exclusions, conditions, and claim windows. They do not replace standard structural building and contents insurance.

  • Natural Hazards Commission (NHC) considerations: For Natural Hazards Commission (formerly EQC) cover to apply correctly on a holiday home, you must still meet specific occupancy and personal-use criteria rather than running it as a full-time commercial enterprise without personal rights. [Initio Insurance NZ]

If you'd like, let me know:

  • Who your current home insurance provider is
  • How frequently you rent out the Queenstown property each year

I can help you check what specific questions to ask your insurer or what type of policy extension you might need.

Ask anything

Captured 11 October 2026