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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

How can I check whether an article comparing NZ house insurance still reflects current policies?

To check whether an article comparing New Zealand house insurance is still current, treat it as a starting point rather than the final source. Insurance policies, prices, limits, and exclusions can change frequently. Consumer NZ

1. Check the article’s date and update history

Look for:

  • The publication date and any “updated” date.
  • Whether it says when prices, policy details, or ratings were collected.
  • Whether it relies on “current” premiums or quotes from a specific month/year.

A comparison from even a year ago may no longer reflect:

  • premium changes,
  • insurer risk pricing changes,
  • new policy wording,
  • changes to natural hazard cover arrangements. Consumer NZ

2. Verify each insurer’s current policy wording

Do not rely only on comparison tables. Check the insurer’s own:

  • policy wording/PDS,
  • benefit limits,
  • exclusions,
  • excess amounts,
  • optional add-ons,
  • eligibility rules.

Policy wording is the contract that determines cover. Insurers publish updates when they change terms; for example, some insurers provide summaries of policy wording changes alongside updated documents. MAS

3. Compare the things that matter most in NZ house insurance

Check whether the article compares:

  • Sum insured basis
    Is the policy based on a nominated sum insured, replacement cover, or another basis?

  • Natural hazard cover
    Check how the policy interacts with the Natural Hazards Commission (NHC) cover and what the insurer covers above that. Compare.org.nz

  • Exclusions
    Look especially at:

  • Claims-related benefits
    Such as:

    • temporary accommodation,
    • alternative accommodation limits,
    • debris removal,
    • legal liability,
    • excesses.

4. Check whether the insurers compared are still offering the same products

Insurers may:

  • rename products,
  • merge brands,
  • change underwriting arrangements,
  • alter standard vs optional cover.

A comparison should identify the actual insurer/underwriter and the specific policy version being compared. Compare.org.nz

5. Get fresh quotes using your own property details

Premium comparisons become outdated quickly because NZ insurers price based on factors such as:

  • location risk,
  • construction type,
  • age and condition of the home,
  • claims history,
  • sum insured,
  • chosen excess.

Use the article only to create a shortlist, then obtain current quotes directly.

6. Look for independent comparisons, but verify them

Consumer-focused comparisons can help identify differences in cover and customer experience, but you should still confirm details against current insurer documents. Consumer NZ

A practical checklist:

Check Where to confirm
Policy still exists Insurer website
Cover limits Current policy wording
Exclusions Current policy wording
Premium Fresh quote
Customer satisfaction Recent independent surveys
Natural hazard treatment Insurer + NHC information

If you share the article link or title, I can help check which parts may be outdated and what to verify.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

How can I check whether an article comparing NZ house insurance still reflects current policies?

Checking whether an older article comparing New Zealand house insurance still reflects current policies requires a systematic approach, as insurance wordings, pricing models, and natural hazard levies change frequently.

Insurance policies shift due to updates in building costs, reinsurance pricing, and risk-based pricing models adopted across New Zealand.

Actionable Steps to Verify an Insurance Comparison Article

  1. Check the Publication and Update Dates

    • Look for timestamps at the top or bottom of the article. If the piece is more than 6 to 12 months old, treat its pricing and specific benefit caps with caution.

  2. Cross-Check with Independent NZ Comparison Tools

    • Consult actively maintained consumer databases and comparison channels to see if the provider landscape has shifted.
    • Consumer NZ: Offers a frequently updated house and contents review tool comparing policy details, consumer satisfaction, and standard excesses.
    • MoneyHub: Publishes regularly updated breakdowns of house insurance options, pricing indicators, and policy types available in New Zealand.

  3. Verify the Natural Disaster Levy (NHCover / formerly EQC)

    • Older articles may reference "EQC" limits or out-of-date levy rates. Ensure any policy you look at accounts for the Natural Hazards Commission (NHC) Toka Tū Ake rules and current levy calculations (which apply via private house insurance policies that include fire coverage).

  4. Review Policy Type Definitions (Sum Insured vs. Full Replacement)

    • Confirm whether the article clearly distinguishes between sum insured policies (where you select a fixed maximum rebuild amount, common with providers like Tower and Initio) and full/area replacement policies (such as those offered by MAS). Underwriting rules for how sum insured limits are calculated frequently change, so always cross-reference a provider’s current online calculator (e.g., Cordell calculator tools).

  5. Examine Specific Benefit Inclusions and Exclusions

    • Policies frequently alter minor inclusions, such as limits for temporary accommodation, gradual hidden water damage, or sustainability upgrades. Pull up the current Policy Wording (PDS) directly from the insurer's website rather than relying on a third-party summary to verify if a specific feature is still standard or has become an optional extra.

Would you like help looking up current policy structures or comparison criteria for a specific New Zealand insurance provider?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

How can I check whether an article comparing NZ house insurance still reflects current policies?

AI Overview

To check whether an article comparing New Zealand house insurance is accurate, look for recent regulatory structural shifts and changes to risk-based pricing models. The NZ insurance landscape has evolved rapidly over the last couple of years, making articles older than 6 to 12 months prone to significant inaccuracies.

You can determine if an article is out of date by evaluating it against these key updates:

1. Check for the FENZ Levy Adjustments

  • The Change: A new framework for how Fire and Emergency New Zealand (FENZ) levies are calculated went into effect on 1 July 2026. This changed flat-fee and value-basis rules for properties and vehicles.

  • The Test: If the article cites specific premium costs or total annual fees without mentioning the mid-2026 FENZ updates, its pricing data is likely obsolete.

2. Review the NHC (Formerly EQC) Cap Limits

  • The Change: The Earthquake Commission (EQC) rebranded to the Natural Hazards Commission (NHC) under the Natural Hazards Insurance Act. The building cap sits at $300,000 + GST per dwelling, with private insurers covering any cost above this cap.

  • The Test: If the comparison article still references the "EQC" or an older $150,000 cap limit, the content is severely outdated.

3. Look for "Risk-Based" vs. Blanket Pricing

  • The Change: Major NZ providers like Tower, AMI, State, and AA Insurance have aggressively shifted to granular, address-specific risk profiles. Pricing is heavily dictated by localized flood zones, coastal erosion, and earthquake faults.

  • The Test: If an article gives broad, blanket advice on premium costs across entire cities without highlighting regional risk variations (e.g., severe flood-zone excesses or localized uninsurability), it does not reflect the current reality of the market.

4. Cross-Reference the Core Policy Structure

To verify specific policy claims made in the article, compare them directly against modern consumer platforms and authority guidelines:

  • Area vs. Sum Insured: Check if the article correctly distinguishes between "area replacement" policies and "sum insured" limits. Refer to the Insurance Council of New Zealand (ICNZ) guides on how insurers currently calculate house areas.

  • Real-time Price Indexing: Use modern financial comparison tools like MoneyHub NZ or the Quashed Index to check current average premiums. By mid-2026, the national average house premium rose to nearly $2,950 per year , with Wellington averages scaling past $4,400.

Are you trying to verify a specific article , or are you looking to update your own policy? If you share the publication date or the specific insurers mentioned, I can pinpoint exactly what might be missing.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

How can I check whether an article comparing NZ house insurance still reflects current policies?

To check whether an older article comparing New Zealand house insurance policies still reflects current offerings, you need to account for frequent updates to premiums, natural disaster caps, sum-insured calculators, and policy wordings.

  • Check the publication and update date: Look for a clear date stamp on the article or the website hosting it. Insurance markets shift rapidly due to reinsurance costs and severe weather events.

  • Review current independent consumer research: Cross-reference the article's claims using independent review platforms like the Consumer NZ House and Contents Insurance Review to see which providers are currently active and how their tiers compare.

  • Inspect the Natural Hazards Commission (NHC) guidelines: Ensure the article reflects current statutory disaster cover limits. You can verify active disaster-related caps and rules directly through the Natural Hazards Commission Toka Tū Ake.

  • Compare direct insurer policy wordings: Go straight to the source companies mentioned in the comparison (such as AA Insurance, AMI, Tower, or State) and download their latest policy wording PDF documents from their official websites to check for changes to exclusions, excesses, or sum-insured calculators.

  • Use commercial comparison tools: Run a quick live comparison or check current market overviews on platforms like Canstar New Zealand to see if star ratings or featured provider benefits have changed.

If you want, share:

  • The name or topic of the specific comparison article
  • Which insurance providers you are most focused on

I can help you look up their current standing or what key policy details to watch out for.

Ask anything

Captured 11 October 2026