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Can insurance company enter into my house and check?

April Reg

New Forum Member
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Nov 27, 2017
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8
I intend to rent part of my basement, but when talk to my insurance company, they said they won't insure me any more if I have boarders. Now I am wondering, would they come and check whether I have any boarder? Do they have the right to check? If they do, can I refuse to let them in if no notice given?
Thank you!
 

Tina Myrvang

Client Care Lead
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Nov 15, 2010
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1,502
I would seriously not rent without the adequate insurance. You could be denied any claims based on your situation.
 

stuartjmac

Real Estate Investment Advisor (REIA)
REIN Member
Joined
Nov 27, 2012
Messages
23
If you advertise for tenants, they may see the ad and cancel your insurance (which would be VERY bad!!). It’s better to insure with someone who allows you to have renters.


Sent from my iPad using myREINspace
 

April Reg

New Forum Member
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Nov 27, 2017
Messages
8
Thank you all very much! I agree that cheating on insurance is not only unmoral but also foolish. I've already decided not to rent out until next year when I renew my insurance, by that time I can find an insurance company who would allow me to rent.
I am now just curious, since I already asked my insurance company about renting and told them I would not rent becuase they do not allow, is it possible that they distrust me and want to come into my home and confirm I've not rented out? Do they have right to do so? Although there is nothing for me to hide, I don't feel comfortable under inspection.
Again, thank you!
 
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