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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

What happens if a flatmate damages my belongings or property is stolen from a common room?

In New Zealand, what happens depends on who damaged the item/property, whether you are a tenant or just a flatmate, and whether it was accidental or deliberate. Tenancy Services

If a flatmate damages your belongings

If your flatmate breaks, ruins, or takes your personal property (for example, your TV, laptop, furniture, or clothing), it is generally a dispute between you and the flatmate, not a tenancy issue. The Residential Tenancies Act mainly covers landlords and tenants, not flatmates. Tenancy Services

Possible steps:

  • Talk to the flatmate and ask them to repair or replace the item.
  • Keep evidence:
    • photos of damage
    • receipts or proof of value
    • messages where they admit responsibility
    • witness details
  • If they refuse to pay, you can generally take a claim to the Disputes Tribunal to seek compensation. Consumer Protection

If the damage was intentional or involved theft, you may also consider reporting it to the New Zealand Police.

If something is stolen from a common room

A stolen item from a shared area (like a lounge, kitchen, or hallway) can be harder to prove because responsibility depends on who took it and what evidence exists.

You could:

  • Check whether another flatmate, guest, or visitor had access.
  • Ask flatmates whether they saw anything.
  • Keep records of when the item was last seen.
  • Report suspected theft to Police.
  • Check whether your contents insurance covers theft from shared accommodation.

If the damaged item is the rental property itself

If a flatmate damages the house (walls, doors, fixtures, etc.), the situation can be different:

  • If you are all named tenants, you may all have responsibilities under the tenancy agreement. Tenancy Services
  • If someone is only a flatmate (not on the tenancy agreement), their rights and obligations usually come from your agreement with them rather than tenancy law. Tenancy Services

For rental property damage, tenants must notify the landlord about damage. Responsibility for repair costs depends on who caused it and the circumstances. Tenancy Services

To reduce problems in future

A written flat-sharing agreement can help cover:

  • who owns shared items
  • rules about guests
  • responsibility for damage
  • how disputes are handled

Tenancy Services notes that flatmates are not covered by the Residential Tenancies Act, so written agreements can be useful. Tenancy Services

If you tell me whether you are on the tenancy agreement or are a flatmate, and whether the issue is damage, theft, or accidental loss, I can explain the likely options more specifically.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

What happens if a flatmate damages my belongings or property is stolen from a common room?

In New Zealand, dealing with damaged or stolen belongings in a flat situation depends heavily on your legal status (whether you are a tenant named on the agreement or a flatmate) and where the incident occurred.

Because flatmates and internal flat dynamics are not covered by the Residential Tenancies Act (RTA), the Tenancy Tribunal will not hear disputes between flatmates.

1. Property Theft (Stolen from a Common Room)

  • Report to the Police: If items are stolen from a common area, this is considered a criminal matter (theft). You should file a police report immediately, especially if you need a reference number for insurance purposes.
  • Liability: If you know which flatmate stole the item, they are legally liable for the loss. However, proving who took it can be challenging without concrete evidence (such as CCTV, admissions, or eyewitnesses).
  • Landlord's Responsibility: Generally, the landlord is not responsible for the personal belongings of flatmates or tenants stolen from the property, unless there was a specific security failure related to the property’s physical structure that they neglected to fix despite notice (e.g., a broken window or a door lock that wouldn't lock).

2. Property Damage Caused by a Flatmate

  • Direct Accountability: The person who caused the damage is responsible for paying to repair or replace the item.
  • If you are all Co-Tenants (named on the tenancy agreement): You are "jointly and severally liable" to the landlord for the physical condition of the house. If a flatmate damages the landlord's property (walls, fixtures, etc.), the landlord can pursue any or all of you for the cost, even if you didn't cause it. You would then have to try to recover that money from the responsible flatmate.
  • If it is your personal belongings that were damaged: The flatmate who caused the damage has a civil obligation to compensate you for the loss under common law/contract law.

How to Resolve the Dispute

If you cannot informally resolve the issue with the flatmate (such as getting them to pay for a replacement or repair), your legal recourse in New Zealand depends on your setup:

  1. The Disputes Tribunal:
    Disputes between flatmates—or between tenants and flatmates regarding personal property, shared bills, theft, or damage—must be taken to the Disputes Tribunal (run by the Ministry of Justice), not the Tenancy Tribunal. It is a low-cost, informal forum where a referee hears both sides and makes a binding decision.
  2. Contents Insurance:
    Check your personal contents insurance policy (if you have one). Some policies cover theft or damage even when living in shared accommodation, though insurers will usually require a police report for stolen items and may expect you to pursue the responsible party to recover excesses.

Next Steps & Prevention

  • Gather Evidence: Take photos of any property damage, keep text messages or written communications where the flatmate acknowledges the incident, and hold onto original purchase receipts or replacement quotes for the damaged/stolen items.
  • Review Agreements: If you have a written flat-sharing agreement, check what it says about shared spaces, guest policies, and liability.

Would you like guidance on how to prepare a claim for the Disputes Tribunal for this situation?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

What happens if a flatmate damages my belongings or property is stolen from a common room?

AI Overview

In New Zealand, what happens when a flatmate damages your belongings or property is stolen depends heavily on your legal status (whether you are a signed tenant or a flatmate) and who committed the act.

Because flatmate-to-flatmate issues are civil matters, they are not covered by the Tenancy Tribunal. Instead, these situations are resolved through the Disputes Tribunal , insurance, or the New Zealand Police.

1. If a Flatmate Damages Your Personal Belongings

If a flatmate breaks or damages your personal property (e.g., your laptop, TV, or furniture), they are legally liable for the cost of repairing or replacing it.

  • The Voluntary Fix: Your first step should be discussing the cost directly with them. If you have a written agreement like the Tenancy Services Flat-sharing Agreement template, check it for clauses regarding property damage.

  • The Disputes Tribunal: If they refuse to pay, you cannot take them to the Tenancy Tribunal. You must file a claim with the Disputes Tribunal of New Zealand. This is an informal, low-cost court process where a referee will issue a legally binding decision. You will need to provide evidence of the damage and proof of the item's value.

  • Contents Insurance: If you have personal contents insurance, you can check if it covers accidental damage caused by people living with you. Note that many insurance policies exclude intentional damage or theft committed by people legally permitted to be in the house.

2. If Your Property is Stolen from a Common Room

How this is handled depends entirely on who stole the item.

Scenario A: A Flatmate Stole It

  • It is a Crime: Taking your property without permission is theft under New Zealand law. If you have proof or a strong admission, you should report it to the New Zealand Police by calling 105 (non-emergency) or visiting a station.

  • Civil Recovery: If the police cannot recover the item or choose not to prosecute, you can use the Disputes Tribunal to claim the monetary value of the stolen item from the flatmate.

Scenario B: An Outside Burglar Stole It

  • Police & Insurance: Call the police immediately to report the burglary. To recover the financial loss, you must file a claim through your personal contents insurance policy.

  • Landlord Liability: The landlord is not responsible for replacing your stolen belongings. However, if the burglar got in because the landlord failed to provide secure, working locks, the official tenants can issue the landlord a 14-day notice to remedy the security issue.

3. If a Flatmate Damages the Landlord's Property (The House)

If a flatmate damages the structural property itself (e.g., punching a hole in a common room wall or breaking a window), liability depends on who is named on the official lease.

  • If you are both signed Co-Tenants: Under the Residential Tenancies Act, all signed tenants have joint and several liability. This means the landlord can legally demand that you pay for the full cost of the damage, even if your flatmate caused it. If you end up paying the landlord, you will then have to take your flatmate to the Disputes Tribunal to get your money back.

  • If you are the Head Tenant and they are just a Flatmate: You are solely liable to the landlord for the house's condition. You must cover the damage to the landlord but can legally withhold the flatmate's bond (if a flat-sharing agreement permits it) or take them to the Disputes Tribunal.

To help me give you more specific guidance, are you currently named on the official tenancy agreement , and do you have a written flat-sharing agreement in place with the person who caused the issue?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

What happens if a flatmate damages my belongings or property is stolen from a common room?

When a flatmate damages your personal belongings or property is stolen from a common area, how the situation is handled depends on whether you mean your personal belongings (contents) or the landlord's physical property/structure.

Because "flatmates" (sub-tenants or people not all on the main tenancy agreement with the landlord) are generally not covered by the Residential Tenancies Act in relation to each other, standard household disputes between flatmates fall under general New Zealand civil and criminal law.

1. Damage or Theft of Your Personal Belongings

If a flatmate damages or steals your personal items (TV, electronics, clothing, etc.) from a common room:

  • The Tenancy Tribunal does not handle this: Tenancy Services and the Tenancy Tribunal only handle disputes between landlords and tenants named on the tenancy agreement, not inter-flatmate disputes over personal property.

  • File a Police Report for Theft: If you have clear evidence that your property was intentionally stolen (and the flatmate has no intention of returning it), you can file a theft complaint with the New Zealand Police. However, police often view internal flat disputes as civil matters unless there is clear criminal intent or proof.

  • Apply to the Disputes Tribunal: To recover the financial cost of damaged or stolen personal items, you can take the matter to the Disputes Tribunal of New Zealand. They handle civil claims up to $60,000 regarding property damage and borrowed or taken items between individuals. [Disputes Tribunal of New Zealand]

  • Check Contents Insurance: Contact your insurance provider. Note that some contents insurance policies have exclusions or require specific proof of forced entry or specific conditions if a co-resident steals or damages your items.

2. Damage to the Landlord's Property (The House/Building)

If the damage is to the physical rental property itself (walls, fixtures, carpet) caused by a flatmate:

  • Joint Liability to the Landlord: If you and the flatmate are both named as tenants on the principal tenancy agreement, you are jointly and severally liable to the landlord. This means the landlord can hold any or all of you responsible for the full cost of the damage, regardless of who actually caused it.

  • Recovering Costs from the Flatmate: If the landlord charges you or withholds your bond for damage caused by your flatmate, you can pursue that flatmate through the Disputes Tribunal to get your money back.

  • If they are just a "flatmate" (not on the lease): If they weren't on the tenancy agreement and you are the sole tenant, legally the landlord holds you responsible for the property, and you must independently seek recovery from your flatmate.

If you'd like, let me know:

  • Is your flatmate named on the main tenancy agreement with you, or are they a sub-tenant/informal flatmate?
  • Is the damaged/stolen property yours personally or part of the landlord's fixtures?

I can give you a more targeted path on who to contact or how to file a claim.

Ask anything

Captured 11 October 2026