Personal Liability / Insurance

[Edward Gunnip]

Hello Everyone,

I’m hoping someone can help answer a question for me.  I own a single family residence in NY that is being used as a rental property.  The second level of the house was previously occupied by a family member.  If I were to rent out the second level, but the house is not permitted as a multi-family or mother daughter,  could I be personally liable if there was a fire?  Would home owners insurance refuse to pay any claims because of this?  Thank you in advance for any assistance in this area.

Sincerely,

Ed