Should lenders ensure that registered ownership of land is held by a mere agent? It is advisable to inform insurers of a simple fiduciary agreement and to make it clear to each agent and the true owner as named insureds, in order to avoid the prospect that insurers refuse to claim on the grounds that a simple agent does not have an „insurable interest” for the land covered by a policy. While many have been used legally, it seems that some economic owners have been hidden for ungodly or illegal reasons. Maintaining real estate ownership in the name of a simple agent has important legal implications that should be taken into account in the decision on a ownership structure. . . .

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