In the absence of express stipulation, the destruction of the premises by fire does not necessarily suspend the tenant's liability to pay rent1. This is so notwithstanding that there is a covenant to repair by the tenant which contains an express exception of damage by fire2. Where the landlord has the duty to insure, whether by covenant or as a matter of practice, the lease often contains a proviso for suspending the rent while the premises are uninhabitable by reason of fire
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