Voter S23 · one of 32 voter situations
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
National15 of 16 answers
Labour13 of 16 answers
Greens14 of 16 answers
ACT13 of 16 answers
NZ First10 of 16 answers
Te Pāti Māori6 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
2 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Google AI Mode
1 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
AI Overviews
0 of 4 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori (never named)
Party names across this voter’s topics
Compare the parties named in answers about this voter’s main concerns. The table compares 16 answers from each edition.
The coloured bars show whether statements about a party were positive, neutral, negative or mixed. 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 Gemini’s answer changed
The flood-exposed homeowner’s answer introduced a Natural Hazards Commission building-cover claim. The earlier answer had concentrated on risk information, buyouts and sharing costs.
The answer needed to explain that the Commission’s flood cover applies to certain residential land. Cover for flood damage to buildings depends on private insurance.
The extracts compare Gemini’s nationwide answers from 26 October 2026 and 31 October 2026. Each opens the original answer from the date shown. Other assistants’ complete answers are available above.
- 26 October 2026 · Earlier answerGemini“What legislative steps will you take to clarify who pays—the homeowner, the local council, or central government”Open in the answer
- 31 October 2026 · Later answerGemini“The Natural Hazards Commission (NHC / Toka Tū Ake): New Zealand’s statutory disaster insurer provides baseline cover for land damage and up to $300,000 (+GST) for residential buildings, funded via levies on private insurance.”Open in the answer
Websites cited in these answers
Compare the websites cited in answers for this voter situation. Choose a topic to see its sources.
ChatGPT
45%government
Had sources4of 4
Showed you a link3of 4
- 1
climatecommission.govt.nz, government,cited in 3 answers3 - 2
environment.govt.nz, government,cited in 3 answers3 - 3
sciencemediacentre.co.nz, other,cited in 3 answers3 - 4
whichparty.nz, comparison sites,cited in 3 answers3 - 5ncwnz.org.nz, other,cited in 2 answers2
- 6
odt.co.nz, other,cited in 2 answers2 - 7opportunity.org.nz, party websites,cited in 2 answers2
- 8
treasury.govt.nz, government,cited in 2 answers2 - 9
beehive.govt.nz, government,cited in 1 answers1 - 10
govt.nz, other,cited in 1 answers1
Gemini
86%other
Had sources3of 4
Showed you a link0of 4
- 1wgtn.ac.nz, other,cited in 2 answers2
- 2aainsurance.co.nz, other,cited in 1 answers1
- 3
forestandbird.org.nz, other,cited in 1 answers1 - 4lapp.org.nz, other,cited in 1 answers1
- 5
waikatoregion.govt.nz, government,cited in 1 answers1 - 6wolfbrook.co.nz, other,cited in 1 answers1
Google AI Mode
63%news
Had sources4of 4
Showed you a link1of 4
- 1
rnz.co.nz, news,cited in 4 answers4 - 2greens.org.nz, party websites,cited in 1 answers1
- 3
icnz.org.nz, other,cited in 1 answers1 - 4
nzherald.co.nz, news,cited in 1 answers1 - 5
policy.nz, comparison sites,cited in 1 answers1
AI Overviews
63%other
Had sources4of 4
Showed you a link1of 4
- 1rnz.co.nz, news,cited in 4 answers4
- 2
facebook.com, social media,cited in 3 answers3 - 3
scoop.co.nz, other,cited in 3 answers3 - 4
interest.co.nz, other,cited in 2 answers2 - 5
lawnews.nz, other,cited in 2 answers2 - 6
minterellison.co.nz, other,cited in 2 answers2 - 7national.org.nz, party websites,cited in 2 answers2
- 8policy.nz, comparison sites,cited in 2 answers2
- 9climateactiontracker.org, other,cited in 1 answers1
- 10
deepsouthchallenge.co.nz, other,cited in 1 answers1
- Party websites
- Government
- News
- Comparison sites
- Advocacy groups
- Businesses
- Social media
- Other
Each website counts once per answer. The comparison covers 16 answers from each edition; 15 of this edition’s answers included citations. Other includes websites we have not yet classified.