Voter S23 · one of 32 voter profiles
Homeowner exposed to flooding and insurance pressure
“We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us.”
- questions written for them
- 4
- answers collected
- 16
- AI assistants
- 4
- asked nationally
- NZ
What this voter asked
Open a question to read each assistant's complete answer, including any answer asked from a location.
Question 119
Climate and disaster resilience
We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us. I am considering my vote in the 2026 New Zealand general election. How do parties compare on flood protection, climate adaptation and helping households after disasters?
Question 120
Infrastructure and local services
We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us. I am considering my vote in the 2026 New Zealand general election. Who would pay for flood defences under different party plans: homeowners, councils or central government?
Question 121
Housing
We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us. I am considering my vote in the 2026 New Zealand general election. What do parties propose for homeowners whose property becomes difficult to insure or unsafe to live in?
Question 122
Tax and public spending
We own a mortgaged home in an area affected by flooding. Insurance affordability, protection works and what happens after another flood are major concerns for us. I am considering my vote in the 2026 New Zealand general election. What are the trade-offs in how parties would fund climate adaptation and disaster recovery?
Which parties appeared in the answers
The figures count names in the 16 answers recorded for this situation. Naming a party does not mean recommending it.
Answers naming each party, out of 16
National16 of 16 answers
Labour15 of 16 answers
Greens16 of 16 answers
ACT11 of 16 answers
NZ First11 of 16 answers
Te Pāti Māori8 of 16 answers
TOP11 of 16 answers
ChatGPT
3 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Gemini
0 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Google AI Mode
2 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
AI Overviews
2 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Party names across this voter’s topics
Each row is one of this voter's topics. Each column is a party. The figure shows how often the party was named in the answers.
This table shows the answers recorded on 23 October. The coloured bars summarise how statements about each party were assessed; select a figure to read the extracts.
Showing all four assistants · 16 answers
| Topic | National | Labour | Greens | ACT | NZ First | Te Pāti Māori | TOP |
|---|---|---|---|---|---|---|---|
| Climate and disaster resilience | |||||||
| Infrastructure and local services | |||||||
| Housing | |||||||
| Tax and public spending |
How the main answer changed
The flood-risk answer retained an insurance-support proposal attributed to The Opportunity Party and gave NZ First a separate infrastructure discussion. Te Pāti Māori's earlier section disappeared.
Its questions about premiums, protection costs and relocation remained relevant. The answer did not establish a right to compensation or continued insurance cover.
The extracts compare the main Gemini answer on 19 and 23 October. Each opens the original answer from its own date. Other assistants' complete answers are available above.
- 19 October 2026 · Earlier answerGemini“They propose a National Insurance Support Framework, an expanded role for the Natural Hazards Commission (NHC) to handle risk conversations, mandatory climate-risk disclosures on property titles and mortgages, and a dedicated $5 billion climate resilience fund to help communities adapt before disaster strikes.”Open in the answer
- 23 October 2026 · Later answerGemini“NZ First and The Opportunity Party (Other Perspectives)”Open in the answer
The sources behind these answers
The websites recorded with each assistant’s answers for this voter. Choose a topic to see its sources.
ChatGPT
45%other
Had sources4of 4
Showed you a link4of 4
- 1
treasury.govt.nz, government,cited in 4 answers4 - 2
environment.govt.nz, government,cited in 3 answers3 - 3
interest.co.nz, other,cited in 3 answers3 - 4
beehive.govt.nz, government,cited in 2 answers2 - 5
climatecommission.govt.nz, government,cited in 2 answers2 - 6
icnz.org.nz, other,cited in 2 answers2 - 7national.org.nz, party websites,cited in 2 answers2
- 8
odt.co.nz, other,cited in 2 answers2 - 9
reuters.com, news,cited in 2 answers2 - 10
climateclub.nz, other,cited in 1 answers1
Gemini
57%other
Had sources4of 4
Showed you a link0of 4
- 1
ao.parliament.nz, other,cited in 1 answers1 - 2
businessnz.org.nz, other,cited in 1 answers1 - 3
growregions.govt.nz, government,cited in 1 answers1 - 4
insurancebusinessmag.com, other,cited in 1 answers1 - 5
policy.nz, comparison sites,cited in 1 answers1 - 6
whichparty.nz, comparison sites,cited in 1 answers1 - 7wolfbrook.co.nz, other,cited in 1 answers1
Google AI Mode
36%other
Had sources4of 4
Showed you a link2of 4
- 1
rnz.co.nz, news,cited in 3 answers3 - 2insurancebusinessmag.com, other,cited in 2 answers2
- 3policy.nz, comparison sites,cited in 2 answers2
- 4environment.govt.nz, government,cited in 1 answers1
- 5
farmersweekly.co.nz, other,cited in 1 answers1 - 6
greenpeace.org, other,cited in 1 answers1 - 7greens.org.nz, party websites,cited in 1 answers1
- 8
scoop.co.nz, other,cited in 1 answers1 - 9whichparty.nz, comparison sites,cited in 1 answers1
- 10
youtube.com, social media,cited in 1 answers1
AI Overviews
52%other
Had sources4of 4
Showed you a link0of 4
- 1rnz.co.nz, news,cited in 4 answers4
- 2whichparty.nz, comparison sites,cited in 4 answers4
- 3greens.org.nz, party websites,cited in 3 answers3
- 4insurancebusinessmag.com, other,cited in 3 answers3
- 5environment.govt.nz, government,cited in 2 answers2
- 6
facebook.com, social media,cited in 2 answers2 - 7
lawnews.nz, other,cited in 2 answers2 - 8
minterellison.co.nz, other,cited in 2 answers2 - 9preventionweb.net, other,cited in 2 answers2
- 10
aa.co.nz, other,cited in 1 answers1
- Party websites
- Government
- News
- Comparison sites
- Advocacy groups
- Businesses
- Social media
- Other
Sources count once per answer. Source lists were recorded for 16 of this voter’s 16 answers. Visible links are counted separately. Other websites include unclassified publishers.