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You insurance company will likely decline to insure the second home as you have no Certificate of Occupancy which tells them it was built to code and thus meets minimum safety standards. I doubt that they would "rat you out", though. You could always go to the local building official and apply for an "after the fact" permit. This will likely entail your having to expose wiring and foundation components etc., but at least you can get it insured once you have the C of O. This obviously has a potential downside, especially if you have zoning issues like setback requirements or too many structures on the property and so forth.
Best of Luck.
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