150. Insurance.

A custodian is not ordinarily responsible to the owner of the chattel entrusted to him in case of its destruction by fire1, unless he has deviated from the terms of the bailment or broken his duty of care, or undertaken some special contractual responsibility covering the particular event. If, however, he insures the chattel he has such an insurable interest in it that, as against the insurers, he is entitled to recover its full value2. A custodian who recovers insurance money occupies the position of a trustee to the owner of the chattel covered by the insurance for its