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A Generally, the landlord insures the property and the tenant reimburses the landlord costs of insuring. It is important to ensure that the landlord's insurance policy covers (1) the full reinstatement value of the property (including all VAT and professional costs) and (2) rental payments due while the property in uninhabitable. In certain cases, it may also be important to ensure that third party liability is covered.
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Who insures the property - the Landlord or the Tenant?
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