10.8.1. If the Premises are destroyed or made uninhabitable by fire or any other insured risk, rent will cease to be payable until the Premises are reinstated; unless insurance monies are not recoverable because of any act or omission by the Tenant, his family, friends or visitors; or the insurer pays the costs of re- housing the Tenant.

10.8.2. If the Premises are not made habitable within one month, either party to this Agreement may terminate this Agreement by giving immediate written notice to the other party.

Intention of the Clause:
If the property becomes uninhabitable due to an insured risk like fire, the rent will cease to be payable until the property is reinstated.

Why It's Important:
This protects both parties in the event of unforeseen circumstances that make the property uninhabitable.