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前言下面的情景为现代城市生活的真实写照:人们经常从一个地方搬到另一个地方,导致他们的居住地非常频繁地发生变化。为了适应这种变化的需要,最简单的方法就是租一间房子或一套公寓。另一个常见的情况则是房子的居住者经常通过购买保险来预防火灾和其他损失或意外伤害。这样,就有了三方主体:房东、承租人、为不动产提供保险保障的保险公司。世界各地的人们(也包括立陶宛人在内)对这种情况非常熟悉。然而,如果假设承租人使其租住的公寓发生火灾,保险公司对房东已确认的损失进行了赔付,那么,只要保险公司给予了房东
Preface The following scenario is a true portrayal of modern urban life: People often move from one place to another, causing their place of residence to change very frequently. The easiest way to accommodate this change is to rent a house or apartment. Another common occurrence is that occupants of a house often prevent fire and other losses or accidental injuries by buying insurance. In this way, there is a tripartite body: landlords, tenants, insurance companies that provide insurance coverage for real estate. People around the world, including the Lithuanians, are very familiar with this situation. However, if a fire broke out on the rented apartment by the charterer, the insurer paid the landlord a confirmed loss, so long as the insurer gave the landlord