Look at our sample security agreement and sample deeds of trust. Do they require the debtor ("trustor" in the deed of trust) to purchase insurance on the collateral? What type of insurance? Do they empower the lender to purchase insurance if the debtor fails to do so or if the debtor allows the insurance to lapse? What kind of insurance do they empower the lender to purchase? If the lender purchases the kind of insurance that the security agreement or deed of trust authorizes, may the lender recoup the amount of the premiums from the debtor? Is the amount of the debt for the premiums secured? Should the law firm in this case have been answering these kinds of questions before filing suit or formulating its demand for payment?