can I rent out my guest house without telling my lender?

[Zachary Aldridge]

I close on my first house this Friday and it has a guest house in the back yard. My wife and I plan to live in the guest house and rent the rooms out in the main house. I talked to my insurance company about possibly renting it out and they said in that case they would need to do two separate insurance policies because its two different structures and renters would be in one. I didn't wanna cause problems with my lender so I just went ahead and told them ill consider it later on down the line and insured both houses under one policy. I did do a 0% down navy federal owner occupied loan so technically were still occupying the property but I'm just not sure if they would consider it an investment and want 20% any thoughts? Thanks !