Summarise Your Home Insurance Policy

You only find out what your policy doesn't cover when you're stood in a flooded kitchen ringing the insurer. This summarises it into five plain sections first: buildings and contents cover, the limits, single-item caps, what's excluded and whether accidental damage is in. Name the insurer and read it now, while the kettle still works.

<context>
You have a home insurance policy with {INSURER_NAME} and want to understand exactly what you are covered for before something goes wrong.
</context>

<task>
**Summarise the policy into five plain-English sections:**
1. Buildings cover: what events are covered, the sum insured, and what is excluded
2. Contents cover: the total limit, single-item limit, and how valuables are treated
3. Accidental damage: whether it is included or an add-on and what it does and does not cover
4. Claims process: how to make a claim, excess amounts, and how a claim affects your premium
5. Key exclusions: the three most common reasons a claim is rejected
</task>

<output_format>
- Five clearly labelled sections in plain English
- A quick-reference card: "Am I covered if...?" with three common scenarios answered
</output_format>