Explain the suite arrangement
Tell the provider who occupies the property, whether space is rented and how the suite is used. Provide renovation and building-system details. Insurance acceptance and municipal or building requirements are separate matters; confirm both with the appropriate parties.
Is this exact suite and occupancy arrangement accepted?
Review before construction starts
Describe the scope, dates, contractor responsibilities and any absence from the home. Ask about existing structures, materials, liability and occupancy conditions. A prior home description may no longer reflect a major basement conversion or other renovation.
What changes are needed before work or rental occupancy begins?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Property address and construction details
- Roof and building-system updates
- Suite, rental, and business use
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.