Jones Bought Insurance on a House When It Was Being

Jones bought insurance on a house when it was being used as his residential dwelling. He subsequently rented out the building to three members of a motorcycle gang. The insurance company was not notified of the change. What would be the result if the house is destroyed by fire?

A) The failure to notify of the change would void the policy and the insurance company would not have to pay.
B) The failure to notify of the change would void the policy, but the insurance company would still have to cover the loss.
C) The failure to notify of the change was immaterial, because there was no proof that is what caused the fire.
D) The failure to notify of the change was immaterial, because there was no misrepresentation at the time the policy was taken out.
E) The failure to notify of the change resulted in the insured being charged higher premiums.