Okla. Stat. tit. 14A, § 14A-4-302: Insurance on creditor's interest only

If a creditor contracts for or receives a separate charge for

insurance against loss of or damage to property, the risk of loss or

damage not willfully caused by the debtor is on the debtor only to

the extent of any deficiency in the effective coverage of the

insurance, even though the insurance covers only the interest of the

creditor.