The owner of insurableproperty has an insurable interest in respect of the full value thereof, notwithstanding that some third person may have agreed, or be liable, to indemnify him in case of loss.
Insurable interest should have different meaning in property insurance and life insurance. And it should be recognized by the law, economy, and certainty.
保险利益在财产保险中和人身保险中应有不同的含义，保险利益应当是法律认可的、经济上的、确定的利益。
3
Insurable interest in property and in life insurance should be provided separately, because their people involved and existence time are different.