Swiss Civil Code

¹ The usu­fructu­ary must in­sure the ob­ject in fa­vour of the own­er against fire and oth­er risks to the ex­tent such in­sur­ance is re­quired un­der the duty of care re­quired by loc­al cus­tom.

² Where this is the case, and also where a usu­fruct is es­tab­lished on an already in­sured ob­ject, the usu­fructu­ary bears the costs of the in­sur­ance for the dur­a­tion of the usu­fruct.