# Hawke’s Bay

Home and contents insurance · Regions · Hawke’s Bay

Home and contents insurance questions naming Hawke’s Bay.

[Back to the study](https://nzbrands.ai/research/insurance/home-contents-insurance#situations)

| Measure | Value |
| --- | --- |
| questions | 5 |
| captured answers | 19 |
| AI platforms | 4 |
| collected | 11 October 2026 |

## Read the questions about Hawke’s Bay.

### RG-HB-H01: Comparing insurers

I'm looking for house insurance in Hawke's Bay. Which insurers should I look at?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/e1886b1c-d76a-4b46-ada6-c27c18282edd.md)

### RG-HB-H02: Choosing cover

I'm thinking of buying a house in Hawke's Bay. Is there anything about the area that could affect getting insurance?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/fb2a39cf-c065-475c-bf5c-f71c0abf66f2.md)

### RG-HB-C01: Comparing insurers

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

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/c4e1feaa-7b40-49a7-94d7-b0308bdf8dfb.md)

### RG-HB-C02: Choosing cover

I need contents insurance in Hawke's Bay. Is there anything I should be careful about with the cover?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/160954c6-6e6e-42a8-97e1-2838e57c9f12.md)

### RD-HB-09: Choosing cover

We're looking at a house in Hawke's Bay that might have flooded during Gabrielle. How can we check if we'll be able to insure it?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/62d67512-2e81-453b-a669-5ef7e59f950b.md)

## Which insurers AI recommended for Hawke’s Bay

Across 4 home and 3 contents selection answers. The separate product comparisons follow below.

| Insurer | Answers | Total |
| --- | --- | --- |
| Tower | 7 | 7 |
| AMI | 7 | 7 |
| AA Insurance | 7 | 7 |
| State | 7 | 7 |
| FMG | 5 | 7 |
| MAS | 4 | 7 |
| Initio | 4 | 7 |
| NZI | 3 | 7 |
| Trade Me Insurance | 2 | 7 |
| Cove | 2 | 7 |
| Vero | 1 | 7 |
| ANZ Insurance | 1 | 7 |

## Home insurance: which insurers AI recommended

4 captured answers to “I'm looking for house insurance in Hawke's Bay. Which insurers should I look at?”

| Topic | Insurer | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Hawke’s Bay | Tower | 4 | 4 | 7 | 6 | 0 | 0 |
| Hawke’s Bay | AMI | 4 | 4 | 7 | 6 | 0 | 0 |
| Hawke’s Bay | AA Insurance | 4 | 4 | 7 | 1 | 0 | 0 |
| Hawke’s Bay | State | 4 | 4 | 5 | 5 | 0 | 0 |
| Hawke’s Bay | MAS | 3 | 4 | 4 | 4 | 2 | 0 |
| Hawke’s Bay | Initio | 3 | 4 | 5 | 2 | 0 | 0 |
| Hawke’s Bay | FMG | 2 | 4 | 4 | 1 | 0 | 0 |
| Hawke’s Bay | NZI | 1 | 4 | 1 | 2 | 0 | 0 |
| Hawke’s Bay | Cove | 1 | 4 | 1 | 0 | 0 | 0 |
| Hawke’s Bay | Vero | 1 | 4 | 2 | 1 | 0 | 0 |
| Hawke’s Bay | ANZ Insurance | 1 | 4 | 0 | 1 | 0 | 0 |

## Contents insurance: which insurers AI recommended

3 captured answers to “I live in Hawke's Bay and need contents insurance. Which companies should I get quotes from?”

| Topic | Insurer | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Hawke’s Bay | Tower | 3 | 3 | 5 | 4 | 0 | 1 |
| Hawke’s Bay | AMI | 3 | 3 | 7 | 2 | 0 | 0 |
| Hawke’s Bay | AA Insurance | 3 | 3 | 7 | 2 | 0 | 0 |
| Hawke’s Bay | State | 3 | 3 | 4 | 2 | 0 | 0 |
| Hawke’s Bay | FMG | 3 | 3 | 8 | 1 | 0 | 0 |
| Hawke’s Bay | Trade Me Insurance | 2 | 3 | 2 | 2 | 0 | 0 |
| Hawke’s Bay | NZI | 2 | 3 | 2 | 1 | 0 | 0 |
| Hawke’s Bay | MAS | 1 | 3 | 2 | 1 | 0 | 0 |
| Hawke’s Bay | Initio | 1 | 3 | 1 | 0 | 0 | 0 |
| Hawke’s Bay | Cove | 1 | 3 | 4 | 1 | 0 | 0 |

## The recommendations and the reasons behind them.

Home insurance: AA Insurance was recommended in 4 of 4 answers; AMI was recommended in 4 of 4 answers; State was recommended in 4 of 4 answers; Tower was recommended in 4 of 4 answers; Initio was recommended in 3 of 4 answers.

Contents insurance: AA Insurance was recommended in 3 of 3 answers; AMI was recommended in 3 of 3 answers; FMG was recommended in 3 of 3 answers; State was recommended in 3 of 3 answers; Tower was recommended in 3 of 3 answers.

ChatGPT: “Another option to compare for residential property cover and natural-hazard terms.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/e1886b1c-d76a-4b46-ada6-c27c18282edd.md) · Answer ID: f76de377-a30c-4149-bf36-635ae9114646

Gemini: “They have won multiple industry awards (including Canstar's Home & Contents Insurer of the Year)”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/e1886b1c-d76a-4b46-ada6-c27c18282edd.md) · Answer ID: b5bb810a-94cb-4715-9cc7-ac7aae62256f

Google AI Mode: “AMI](https://www.ami.co.nz/)** : One of the country's largest insurers, providing robust natural hazard and storm/flood coverage alongside dedicated repair networks.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/e1886b1c-d76a-4b46-ada6-c27c18282edd.md) · Answer ID: 83ce72a2-391f-404a-ba29-276e78879170

AI Overviews: “* **Tower Insurance:** Awarded Canstar’s _Home & Contents Insurer of the Year_.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/e1886b1c-d76a-4b46-ada6-c27c18282edd.md) · Answer ID: dd91a498-78a3-401e-b52c-9b17083a9a3c

ChatGPT: “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.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/c4e1feaa-7b40-49a7-94d7-b0308bdf8dfb.md) · Answer ID: cc732c52-a67f-454d-b9ac-ff7099925c22

Gemini: “**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.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/c4e1feaa-7b40-49a7-94d7-b0308bdf8dfb.md) · Answer ID: 5d7b0858-3be0-4b63-8fa7-a6f6130f6aaa

AI Overviews: “* **Tower Insurance:** Awarded Canstar's Home & Contents Insurer of the Year.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/c4e1feaa-7b40-49a7-94d7-b0308bdf8dfb.md) · Answer ID: e515826c-2a71-498d-8725-7c3b6d8452c1

## Where the answers about Hawke’s Bay came from

The websites each assistant drew on, and what kind of publisher they are. Pick a question group to compare the websites.

### ChatGPT

| Website | Answers with this website recorded |
| --- | --- |
| naturalhazards.govt.nz | 4 |
| consumer.org.nz | 3 |
| icnz.org.nz | 3 |
| nzi.co.nz | 3 |
| aainsurance.co.nz | 2 |
| ami.co.nz | 2 |
| theinsuranceteamnz.co.nz | 2 |
| amp.co.nz | 1 |
| anz.co.nz | 1 |
| asb.co.nz | 1 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 2 |
| quotehub.co.nz | 2 |
| aainsurance.co.nz | 1 |
| ajg.co.nz | 1 |
| ami.co.nz | 1 |
| amp.co.nz | 1 |
| canstar.co.nz | 1 |
| exclusiveinsurance.co.nz | 1 |
| icnz.org.nz | 1 |
| lmsinsure.co.nz | 1 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| insurancebusinessmag.com | 2 |
| naturalhazards.govt.nz | 2 |
| 1news.co.nz | 1 |
| ami.co.nz | 1 |
| canstar.co.nz | 1 |
| carliledowling.co.nz | 1 |
| communitylaw.org.nz | 1 |
| consumer.org.nz | 1 |
| haweacrg.nz | 1 |
| ifso.nz | 1 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| tower.co.nz | 4 |
| ami.co.nz | 3 |
| initio.co.nz | 3 |
| moneyhub.co.nz | 3 |
| rothbury.co.nz | 3 |
| state.co.nz | 3 |
| theinsurancecollective.co.nz | 3 |
| ando.co.nz | 2 |
| canstar.co.nz | 2 |
| consumer.org.nz | 2 |

A website counts once per answer, however many times the answer used it. 19 of 19 answers have recorded sources.

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