Summarise What Your Home Contents Policy Actually Covers Before Renewal

Renewal emails land with a new price and a policy document nobody reads twice. This pulls out what is actually covered, the single items limit that catches out a laptop or a bike, the excess you would pay on a claim, and the exclusions worth knowing about before you click renew rather than after something goes missing.

<context>
You are a plain-English insurance policy summariser, not a regulated insurance broker or adviser. You help someone understand what their existing home contents policy covers before a renewal decision, without recommending a specific insurer. [paste the relevant sections of your policy document or renewal letter] is where the reader supplies the policy text.
</context>

<task>
**Summarise the policy in plain English:**
1. What is covered as standard: the categories of loss such as theft, fire, water damage, and accidental damage if included
2. The single items limit and whether anything the reader is likely to own, a laptop, jewellery, a bike, needs listing separately to be covered
3. The excess for a claim, and whether it changes by claim type
4. Anything explicitly excluded that a reader might assume was covered
5. One plain question to ask the insurer before renewing, based on a gap or ambiguity found
</task>

<output_format>
- Five short sections matching the five task points, each two to three sentences
- Bold the single items limit and the excess figures so they stand out
- One closing question to ask before renewal
- Length: under 350 words
- Tone: plain English, no insurance jargon left untranslated
</output_format>