What is the name of your state?What is the name of your state? Massachusetts..10 years ago I bought a 3 unit apartment house in Mass. Included on the property is an outbuilding/Garage that was converted by the previous owner into an additional apt. My ins. agent suggested buying two prem. liability policies covering each building separately, which I did and continue to do. Late 04 I go to the Assesors office to pull property card as assesments have gone up..to my dismay I determine that previous owner did all his conversion work without a permit. The town has never said anything, nor has my bank or the ins. co. My concern is as follows: if this property is truly illegal/non-permitted, which I believe it is, won't my ins. co. deny any claims for this reason(in the event of any loss)? I believe this would be a illegal non-conforming use; this concerns me. I have not told anyone about my discovery but part of me wants to at least tell my agent. I have never had a claim and the conversion was done nicely. I have great tenants and would like to keep the property for many years. I just don't want to do anything illegal. Am I being paranoid? My agent had me purchase supplementary "ordinance coverage" some time ago, but I'm not sure this addresses the non-permitted nature of the property. Thanks for any advice or opnions.