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The Lessor's Obligation To Pay For Insurance
Whose responsibility is it to pay for any legally required insurance and who is entitled to receiving any payout from the insurer?
The lessor is obligated to pay any legally required insurance on the leased property; any payout by the insurer should go to the lessor and the net amount (i.e. total payout less total premiums paid) should be given away in charity to avoid riba.

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