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I don't think the fact that others are doing it too will be a valid consideration if push comes to shove though. What happens if there is a fire and you're found to have been renting out rooms illegally? Would insurance still pay up? Does anyone have first hand experience re this?

I certainly learnt a thing or two reading the discussion so I'm glad you had it, not sure why people wanted it shut down. Thanks for the informative posts as always. Tim - you've done a great job with the renos, we'll done. Personally I consider perp to be among the most on the ball posters...