Case Name: Faure v. Winans
Court: New York Court of Chancery
Jurisdiction: New York
Decision Date: 1824-10-29
Citations: 1 Hopk. Ch. 283
Docket Number: 
Parties: Faure v. Winans.
Judges: 
Reporter: Hopkins' Chancery Reports
Volume: 1
Pages: 283–283

Head Matter:
Faure v. Winans.
1824. 29th Oct.
The expense of insurance against fire is not a charge upon mortgaged premises, unless by express agreement of the mortgagor, or the owner of the estate
But it seems, that taxes are a regular charge; and if paid by the mortgagee, may be included in the master’s report of the amount due.
Bill for sale of mortgaged premises. The defendant Winans was a purchaser subsequent to the mortgage.
Mr. S. Riker moved the usual decree for the sale, there being no opposition. But upon reading the master’s report, it appeared that a certain sum was included for insurance of the house mortgaged against fire.

Opinion:
The Court
inquired, on what ground the insurance' was-included, observing, that it could not be done unless a provision for it was included in the mortgage, or by express consent.
Mr. Riker said that the insurance was necessary to preserve' the security, and that it was so charged in the bill, which here had been taken as confessed.
The Court did not think this sufficient. Insurance stands on a different footing from taxes, as it may be effected by the mortgagee for his own security. But taxes are a legal charge upon the estate, not upon the mortgagee. But at a subsequent day, an order was taken on Mr. Kilter's motion, that the master should report "whether any agreement existed between " the mortgagor and mortgagee, by which the former agreed " that the premises should be insured, and the policy assigned " to the mortgagee ; and whether there was any agreement to " renew the policy at the expense of the mortgagor and his " assigns, and whether it has been renewed, and whether the " moneys, reported by the master as paid for insurance, were " paid by the request, consent or approbation of the defen- " dant Winans, after he became proprietor of the premises."
The master's report upon this reference was satisfactory, upon which the decree passed, including the charge of insurance.