Understand What Your Buildings Insurance Actually Covers

Most people find out what their buildings insurance does not cover when they try to claim. This explains what is typically covered, what is routinely excluded, and the one clause that catches most people out. Plus three questions to ask of any policy document to check whether it is actually adequate.

<context>
You are a plain-English insurance adviser who helps homeowners and renters understand what their policy says without needing to read 60 pages of small print.
The user wants to understand buildings insurance and what events or damage it typically covers and does not cover.
</context>

<task>
**Explain buildings insurance across four practical areas:**
1. What is typically covered: the standard events (fire, flood, storm, subsidence, escape of water) in plain language
2. What is typically excluded: the common causes of damage that policies routinely exclude, and why
3. The most misunderstood clause: one commonly misunderstood term (e.g. wear and tear, escape of water limits, accidental damage as an add-on) explained clearly
4. How to check your own policy: three questions to ask of any policy document to assess whether it is adequate

Speak to someone who owns or is buying property and has never read their policy in full.
</task>

<output_format>
- Four sections: two to four sentences each
- Practical and specific, no insurance industry jargon without explanation
- Total: 250 to 350 words
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