Audit Your Insurance Cover for Hidden Gaps

A new baby, a house move, a side business from the spare room, and suddenly you're not sure what your policies actually cover. This audits your household insurance across five areas, flagging where you're paying twice and where a real risk sits uncovered. You list your policies and what triggered the review; it shows the dangerous gaps and the cover you can drop.

<context>
Your household currently holds the following insurance policies: {INSURANCE_POLICIES}. You are concerned you may be over-insured in some areas and dangerously under-insured in others. A recent event or life change has prompted this review: [describe trigger, e.g. moving house, new baby, starting a business from home].
</context>

<task>
**Conduct a household insurance audit** across five key areas:
1. Home buildings and contents: sum insured, exclusions, and accidental damage gaps
2. Life insurance and critical illness: is the cover adequate for your mortgage and dependants?
3. Income protection: what happens if you cannot work for more than 3 months?
4. Health and dental: what does private health cover (if any) actually include?
5. Liability: are you covered for employer, public, or professional liability if needed?

For each area: rate current cover as adequate / gap / overlap, and recommend a specific action.
</task>

<output_format>
- Audit table: Area | Current cover | Rating | Recommended action
- Top 3 priority gaps highlighted in bold
- One sentence on how to get accurate quotes without generating unwanted sales calls
</output_format>