# Wellington

Home and contents insurance · Regions · Wellington

Home and contents insurance questions naming Wellington.

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

| Measure | Value |
| --- | --- |
| questions | 6 |
| captured answers | 24 |
| AI platforms | 4 |
| collected | 11 October 2026 |

## Read the questions about Wellington.

### RG-WG-H01: Comparing insurers

I'm looking for house insurance in Wellington. Which insurers should I look at?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/a6658e2d-cbae-471f-8f00-6b55495d099b.md)

### RG-WG-H02: Choosing cover

I'm thinking of buying a house in Wellington. 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/34d1bc26-9027-4c1e-9a72-9e021c29c50a.md)

### RG-WG-C01: Comparing insurers

I live in Wellington 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/585789c7-213e-40c5-87fe-24f8c2da82d8.md)

### RG-WG-C02: Choosing cover

I need contents insurance in Wellington. 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/9b8bc73c-9ff8-43d8-af4e-8f1d1b3f9ffe.md)

### RD-WG-13: Choosing cover

I own a Wellington apartment. Does the body corporate cover earthquake damage, or do I need my own insurance too?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/91cdfd1b-5100-411b-8325-bcd5881d2a68.md)

### RD-WG-14: Choosing cover

We're looking at a house on a steep section in Wellington. What insurance problems should we check before buying?

[Read the captured answers](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/f5e86d0f-6724-4bb7-8178-82f3f56a9c97.md)

## Which insurers AI recommended for Wellington

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 |
| MAS | 5 | 7 |
| Initio | 3 | 7 |
| AMP | 3 | 7 |
| FMG | 1 | 7 |
| Trade Me Insurance | 1 | 7 |
| NZI | 1 | 7 |
| Cove | 1 | 7 |

## Home insurance: which insurers AI recommended

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

| Topic | Insurer | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Wellington | Tower | 4 | 4 | 6 | 3 | 0 | 1 |
| Wellington | AMI | 4 | 4 | 7 | 1 | 0 | 0 |
| Wellington | AA Insurance | 4 | 4 | 9 | 1 | 0 | 0 |
| Wellington | State | 4 | 4 | 7 | 1 | 0 | 0 |
| Wellington | MAS | 3 | 4 | 6 | 3 | 0 | 0 |
| Wellington | Initio | 3 | 4 | 4 | 1 | 0 | 0 |
| Wellington | AMP | 2 | 4 | 4 | 1 | 0 | 0 |
| Wellington | FMG | 1 | 4 | 1 | 1 | 0 | 0 |
| Wellington | NZI | 1 | 4 | 0 | 0 | 0 | 0 |

## Contents insurance: which insurers AI recommended

3 captured answers to “I live in Wellington 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Wellington | Tower | 3 | 3 | 8 | 3 | 0 | 0 |
| Wellington | AMI | 3 | 3 | 5 | 2 | 0 | 0 |
| Wellington | AA Insurance | 3 | 3 | 7 | 1 | 0 | 0 |
| Wellington | State | 3 | 3 | 6 | 1 | 0 | 0 |
| Wellington | MAS | 2 | 3 | 3 | 3 | 0 | 1 |
| Wellington | Trade Me Insurance | 1 | 3 | 1 | 1 | 0 | 0 |
| Wellington | AMP | 1 | 3 | 1 | 0 | 0 | 0 |
| Wellington | Cove | 1 | 3 | 1 | 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; State was recommended in 3 of 3 answers; Tower was recommended in 3 of 3 answers; MAS was recommended in 2 of 3 answers.

ChatGPT: “Worth checking for a competitive quote and comparing its natural-disaster cover and excesses with the others.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/a6658e2d-cbae-471f-8f00-6b55495d099b.md) · Answer ID: 0325fadf-acba-47a9-94a5-daf223b30af6

Gemini: “**IAG Brands (AMI, State, and NZI):** State and AMI are very common choices with robust policy options (including features like temporary accommodation and gradual damage limits).”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/a6658e2d-cbae-471f-8f00-6b55495d099b.md) · Answer ID: 5c544598-870c-4b3f-813b-a2131bec5f1d

Google AI Mode: “Another major nationwide insurer offering flexible sum-insured and policy options for homeowners.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/a6658e2d-cbae-471f-8f00-6b55495d099b.md) · Answer ID: d8d31d73-3a9f-4070-a2dc-779b30f42cdd

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/a6658e2d-cbae-471f-8f00-6b55495d099b.md) · Answer ID: 88ccdb2e-f9e1-4b65-83ba-e9b60f16b0b0

ChatGPT: “MAS topped Canstar’s 2026 customer satisfaction results for home and contents insurance, although you should check eligibility and get a Wellington-specific price.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/585789c7-213e-40c5-87fe-24f8c2da82d8.md) · Answer ID: 0cc6ce23-f867-4010-9729-69cec083a864

Gemini: “**Tower Insurance**: Noted for flexible sum insured policies and plain-language definitions, making it a solid baseline reference point for pricing.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/585789c7-213e-40c5-87fe-24f8c2da82d8.md) · Answer ID: b0609823-63a2-44d4-9856-43c511e1bc59

AI Overviews: “**[Tower Insurance](https://www.tower.co.nz/)**| **Canstar’s Home & Contents Insurer of the Year**. They offer tiered policy levels (Standard, Plus, Premium) and use granular address-based pricing, which can sometimes work in your favor depending on your exact Wellington suburb.”

[Read the answer](https://nzbrands.ai/research/insurance/home-contents-insurance/editions/1/questions/585789c7-213e-40c5-87fe-24f8c2da82d8.md) · Answer ID: 0f5dd144-211e-4174-a6d4-6f8bd14d2283

## Where the answers about Wellington 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 |
| --- | --- |
| aainsurance.co.nz | 4 |
| naturalhazards.govt.nz | 4 |
| ami.co.nz | 3 |
| consumer.org.nz | 3 |
| legislation.govt.nz | 3 |
| mas.co.nz | 3 |
| naturalhazardsportal.govt.nz | 3 |
| settled.govt.nz | 3 |
| state.co.nz | 3 |
| canstar.co.nz | 2 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 3 |
| aainsurance.co.nz | 2 |
| amp.co.nz | 1 |
| aucklandbodycorporate.co.nz | 1 |
| lawnews.nz | 1 |
| moneybox.co.nz | 1 |
| mortgagelab.co.nz | 1 |
| naturalhazards.govt.nz | 1 |
| nzi.co.nz | 1 |
| quotehub.co.nz | 1 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| aainsurance.co.nz | 2 |
| canstar.co.nz | 2 |
| naturalhazards.govt.nz | 2 |
| smiths.net.nz | 2 |
| aucklandbodycorporate.co.nz | 1 |
| canterbury.bayleys.co.nz | 1 |
| consumer.org.nz | 1 |
| eqc.govt.nz | 1 |
| google.com | 1 |
| mas.co.nz | 1 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 5 |
| aainsurance.co.nz | 4 |
| insurspy.co.nz | 4 |
| reddit.com | 4 |
| canstar.co.nz | 3 |
| facebook.com | 3 |
| initio.co.nz | 3 |
| naturalhazards.govt.nz | 3 |
| quashed.co.nz | 3 |
| state.co.nz | 3 |

A website counts once per answer, however many times the answer used it. 24 of 24 answers have recorded sources.

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