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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 the West Coast and need contents insurance. Which companies should I get quotes from?

For contents insurance on the West Coast of New Zealand, I’d get quotes from at least five insurers, including a mix of large national insurers and providers with a rural focus. I wouldn’t choose on price alone: it’s particularly important to check how each policy treats flooding, storm damage, landslips and theft at your specific address.

My shortlist of insurers to contact

  1. AMI

A good starting point for a mainstream contents policy. Compare its standard cover, excesses and limits for valuables.

Website: ami.co.nz

  1. AA Insurance

Worth comparing for its contents-only options and cover for belongings outside the home.

Website: aainsurance.co.nz

  1. State

Another mainstream option to quote. Check the limits and excesses alongside AMI, rather than assuming their policies are identical.

Website: state.co.nz

  1. Tower

Worth getting a quote for its different levels of cover. Check what accidental damage and hidden water leaks are covered under the option you choose.

Website: tower.co.nz

  1. FMG

Especially worth considering if you live rurally, on a lifestyle block or in an isolated property. Ask whether your particular circumstances and contents qualify for cover.

Website: fmg.co.nz

  1. Cove

A useful online-first alternative for a separate contents policy. Check its eligibility and cover conditions for your West Coast address.

Website: coveinsurance.co.nz

These are a shortlist to approach, not a guarantee that every provider will offer cover at every West Coast address. Consumer NZ's February 2026 comparison also includes AA, AMI, State, Tower, FMG, Trade Me Insurance, MAS and other providers. How to get the best house and contents insuranceBest house and contents insuranceCompare Contents Insurance Quotes NZ 2026

What I’d check especially carefully on the West Coast

  • Flooding and surface water: Ask whether your belongings are covered for flooding, stormwater entering the house and water coming in from rivers or streams. Check exclusions and excesses.
  • Landslips and natural hazards: Confirm how the policy treats damage to contents caused by a landslip or other natural hazard.
  • Replacement value: Find out whether damaged belongings are replaced with new equivalents or paid at their current depreciated value.
  • Rural property conditions: If you’re on a lifestyle block or outside a main settlement, disclose the property details and ask about any restrictions.
  • Theft and security: Check requirements for locks, sheds, outbuildings and unoccupied periods.
  • Your excess: Compare the standard excess and any separate excesses for particular events.

One important distinction: New Zealand's Natural Hazards Commission cover primarily relates to eligible residential buildings and land, not the contents of your home. Don't assume your belongings will be covered by natural-hazard building cover. Our partnership with insurers :: Natural Hazards Commission Toka Tū AkeHow to get the best house and contents insurance

For a broader comparison, use Consumer NZ's contents and home insurance guide.

I can narrow this down for your situation

One question: Do you own your home or rent it? That will help me focus on the most relevant contents-only policies for you.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in the West Coast and need contents insurance. Which companies should I get quotes from?

When shopping for contents insurance on the West Coast, getting quotes from a broad spread of New Zealand's major providers is essential. Because the West Coast carries distinct regional risk factors (such as high rainfall, seismic activity, and localized natural hazard risks), acceptance criteria, premiums, and excesses can vary significantly between insurance companies.

The primary insurers operating in New Zealand that you should approach for quotes include:

Major Providers to Contact

  • AA Insurance: Frequently ranks well for customer service and offers flexible contents policies with options like temporary accommodation and matching-material benefits.
  • AMI Insurance: Part of the IAG group, AMI has a large footprint across the South Island and offers straightforward online quoting alongside comprehensive or fire-and-theft-only contents tiers.
  • State Insurance: Another major IAG brand that provides competitive multi-policy discounts if you bundle your contents insurance with car or house cover.
  • Tower Insurance: Known for digital-first processing and transparent policy wordings. Tower uses risk-based pricing, making them a useful benchmark for regional properties.
  • FMG (Farmers Mutual Group): If you live rurally, on a lifestyle block, or outside a main township on the Coast, FMG is a strong specialist to include because they tailor policies heavily toward rural residential and farming risks.

Tips for Getting Quotes on the West Coast

  • Expect Risk-Based Pricing: Most New Zealand insurers use granular hazard mapping (for floods, slips, and earthquakes). Be prepared to provide accurate address details so they can assess the specific risk profile of your section.
  • Check Sub-limits and Excesses: Carefully review what each insurer defines as standard limits for high-value items (like jewelry, art, or electronics) and check if they apply a higher natural hazard or regional excess.
  • Bundle Policies: If you are also insuring a vehicle or your physical house, check whether bundling them with the same provider unlocks a meaningful multi-policy discount.

Would you like to compare specific policy inclusions, such as accidental damage versus fire-and-theft cover, to see which tier fits your needs best?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in the West Coast and need contents insurance. Which companies should I get quotes from?

AI Overview

For contents insurance on the West Coast , you should get quotes from a mix of major national direct insurers and a local insurance broker. Because parts of the West Coast face elevated risk from flooding and natural hazards, underwriting rules are strict, and some providers—such as AA Insurance—have previously paused or restricted new policies in high-risk zones like Westport.

Top Providers to Contact for Quotes

Provider / Channel Best For Key Details & Links
Tower Insurance Direct Online Quotes & Tiers Offers tiered options (Standard, Plus, Premium) with online quote availability. Won Canstar Insurer of the Year for Home & Contents.
AMI Insurance Everyday Cover & Perks A large, well-established insurer offering straightforward sum-insured policies. Often runs sign-up promotions like digital Visa cards.
State Insurance Direct Online Management Offers comprehensive contents repair or replacement up to your chosen limit with simple online claim tracking.
Gallagher / West Coast Insurance Brokers High-Risk or Complex Locations Based in Greymouth , using a local broker is highly recommended if you live in a known flood or hazard zone where online systems automatically reject applications.
FMG (Farmers Mutual Group) Rural & Lifestyle Properties Excellent choice if your contents are located on a lifestyle block, farm, or rural West Coast property.

Critical West Coast Insurance Considerations

  • Postcode Restrictions: Online quote engines may automatically decline cover if your address falls into a severe flood plain. If a mainstream website rejects you, do not panic—contact them directly by phone or approach a broker like Rothbury or Gallagher who can negotiate individual underwriting.

  • The "Sum Insured" Calculation: Contents insurance in New Zealand is based on a "Sum Insured" cap (the maximum amount the insurer will pay out). Calculate this value carefully. According to data from Quashed via Calculate.co.nz, the average contents premium in NZ sits around $863 per year , but your rate will depend heavily on the risk profile of your specific West Coast address.

  • Natural Disaster Cover: Private contents policies include cover for natural disasters (earthquakes, landslides, floods), which work alongside the Natural Hazards Commission (NHC, formerly EQC). Always check the specific flood excesses and exclusions outlined in the policy wording before signing.

To help narrow this down, please let me know:

  • Are you renting or do you own the property? (This impacts whether you need standalone contents or a bundled house policy).

  • Is the property located in a known low-lying or flood-prone area (e.g., central Westport or near a river)?

  • Do you have any high-value individual items like e-bikes or expensive jewellery that need special sub-limits?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I live in the West Coast and need contents insurance. Which companies should I get quotes from?

When looking for contents insurance on the West Coast of New Zealand, it's wise to cast a wide net. Regional factors (like weather events, isolation, or specific natural hazard risks) mean that acceptance and pricing can vary significantly between direct insurers and underwriters.

Here are the main New Zealand insurance providers and options you should approach for quotes:

  • Major Direct Insurers: Get online quotes or call major national brands like AA Insurance (or check options via AA Insurance), Tower, and State Insurance or AMI (both under IAG). They write policies nationwide and allow you to adjust your sum insured and excess online.
  • Specialist & Mutual Insurers: Check with MAS (Medical Assurance Society) if you qualify for membership based on your profession. They consistently rate highly for customer satisfaction and cover.
  • Digital-First Providers: Try getting a quote through Initio Insurance, which offers streamlined online property and contents policies.
  • Local Brokers: If standard online insurers decline coverage or quote exceptionally high premiums due to specific West Coast location risks, working with a local insurance broker (such as Gallagher's West Coast Insurance Brokers branch in Greymouth) can help source policies from wholesale or niche underwriters who specialize in regional New Zealand risks.

To help me narrow down which insurers are most likely to offer you the best fit, could you share:

  • Are you renting or do you own the home you live in?
  • Roughly what level of contents cover ($25,000, $50,000, or more) are you looking for?
Ask anything

Captured 11 October 2026