When I bought a new house, the insurance company sent an inspector to check the outside. Trees, roof, siding, nothing inside but the basics outside.
We had to trim a tree back because they didn't want it overhanging the roof at all. Annoying, but relatively minor. They want to minimize their payout, which makes perfect sense. Part of that is making sure the homeowner takes care of the property.
I don't know how it works in Canada, but I'd renew it just as identification. Doesn't matter if you have it or not for driving, but at least in the states a drivers license is ubiquitous as photo id.