On cancelling a Ont. home insurance can they change the policy to a vacant dwelling and charge for the rewrite

Answer 1

Vacant property is more expensive to insure. If you originally insured it as non-vacant and the insurance company found out that you lied and it is vacant, they are within their authority to re-rate your policy from the day it became vacant and charge you for the difference. If it in fact wasnt vacant you will need to provide proof in order for them to correct it.

Answer 2

if you are cancelling your policy, they can't charge anything.
if you are changing your policy, they should only be charging extra for a change in risk.

It costs more to ensure a vacant house than an occupied house.