Originally Posted by Jenny82
If they do not ask, I believe that it is not your responsibility to offer information. You don't know that it would affect your insurance in any way unless your insurance company tells you that.
I promise not to step into this again, but I am so concerned that somebody could be financially ruined by listening to advice like this. With respect, at best it is incomplete; at worst it is just plain wrong.
How many of you have read, with complete understanding, every word, sentence and paragraph in your homeowner's policy? That policy is a written contract between yourself and an insurance company. That policy recites promises of the insuror to the insured and of the insured to the insuror. If one party to that contract, the insured, you, does not comply with a material promise made in that contract, the other party, the insuror, your insurance company, need not respond to a loss occasioned by your nondisclosure of an undisclosed risk, and likely has the right to void the whole contract.
What your insurance company "tells you" can be important, but equally important, if not more so, are the terms and conditions of the written policy. An insurance agent has no responsibility to tell you each and every thing written in a policy. He has a duty to not mislead you as to the policy, but you have a corresponding duty to read the policy to find out whether or not there is something in there which he has not orally told you. You may well have entered into disclosure agreements in that contract of which you are unaware because you did not bother to read the contract.
Your ignorance as to what is in the written contract is, in general, no excuse, nor are your personal intuitive, but possibly ill-advised, feelings about what is fair or unfair, true or untrue, lawful or unlawful.
I simply wish to caution our gentle readers to take a great deal of care about getting critical financial and legal advice on a forum devoted to our lovely furbabies unless you have good reason to rely on the one giving the advice. This is not intended to be legal advice, and may not be depended upon by anyone. I will, however, recommend that anyone having questions about his or her insurance policies seek competent advice, be it legal or otherwise.