An express covenant to insure, whether by the landlord or the tenant, usually provides that the insurance moneys are to be applied in reinstating the premises1. Where the landlord insures on his own account, without being under express liability to do so, and receives the insurance moneys, he is not bound to apply them in rebuilding2. Where the landlord covenants to insure the premises and the tenant is obliged to repay to the landlord the amount of the premiums, the correct inference is that the insurance is intended to enure for the benefit of both parties; and the landlord
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