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=S=> BGB 1045. 1 The usufructuary must insure the thing for the duration of the usufruct against damage by fire and other accidents at his own cost , if the insurance corresponds to proper management . The insurance must be taken out in such a way that the claim against the insurer belongs to the owner .
=S=> BGB 1045. 2 If the thing is already insured , the payments to be paid for the insurance are borne by the usufructuary for the duration of the usufruct to the extent that he would be obliged to insure .
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