I think TS got the concept wrongly. Fire Insurance , even if the owner intend to purchase , he will purchase to cover the landlord asset only , the consumable stored inside the premis by the tenant , there is no way for landlord to know what material the tenant wanted to store & the value of the stored goods . Since the landlord dont know the tenant”s business operation , if is not logic to ask the landlord to insure the Tenant”s goods.

Tenant”s goods must be insured by the tenant & not the landlord.