Tenant enters into a lease with a landlord that requires the tenant to pay $500.00 per month rent and to keep the property insured. the lease further prohibits assignment by the tenant. after a couple of months tenant decides to move out and new tenant moves in, without the knowledge or consent of landlord. landlord finds out about the new tenant when he receives new tenant’s rent check, which he cashes without objection. new tenant continues to pay the rent and landlord cashes each check. after a few months, a fire occurs in the building and landlord discovers it was not insured. landlord sues tenant and new tenant for the value of the property because they failed to keep it insured. can landlord recover from either? what are the rights and liabilities of each party?