Who pays for the home insurance when you are owner financing it? The seller or the buyer? Also in the state of Texas what insurance companies provide mobile home insurance?

Do I still have to carry the insurance on the home since the loan will still be under my name???

I ask this question on behalf of my friend, who lives in Malaysia. He wants to know what the law in England will be in this case.
My friend is gonna let his house to another, so that he can have some income. A question arises: They need to buy a home insurance in case there is an accident like fire. Apparently in Malaysia, a homeowner doesn’t have to buy insurance for his house.
So in this case, who should pay for the home insurance, the homeowner or the tenant? I mean, the rental period is 2 years, and the insurance, if paid, will cover for 2 years only.