(1) The usufructuary is to insure the thing for the duration of the usufruct against damage by fire and other accidents at their own cost, if taking out insurance corresponds to proper management. The insurance is to be taken out in such a way that the owner is entitled to the claim against the insurer.
(2) If the thing is already insured, the payments to be made for the insurance are borne by the usufructuary for the duration of the usufruct to the extent that they would be obliged to insure.