Does one have to insure ones SFA quarter?

archie159

Does anyone know if occupants have to insure their quarters - eg, if it burns down, do we pay, or Defence Estates? I've got a few army friends who rent out their own houses to civilians, and they all have their own buildings insurance for such problems (ie the tenants aren't liable). But the DE handbook says:

Insurance - You are strongly advised to arrange insurance for your
potential liability to us - Defence Estates or the Housing Provider,
your personal property and that of any Spouse/Civil Partner or child,
or for your liability to 3rd
parties in respect of injury to them and
damage to their property. You need to be aware that there is no
predetermined limit on your potential liability for the cost of repairing
damage to your SFA and you should arrange insurance cover for an
appropriate sum based on your personal circumstances. However,
be aware that if you are not adequately insured you may still be
pursued by the MOD for your liabilities for any damage caused to a
property.

That rather implies that if my quarter burns down then I will need to pay for it (but "an appropriate sum" is very vague). My kit insurance only has £20,000 for quarter/barrack block damage - that wouldn't pay to rebuild the house!! But none of my neighbours on the patch have taken out buildings insurance...

Thanks,
Archie