Make no mistake: whether you live in a multi-unit apartment complex, a duplex with the landlord downstairs or a free-standing rental house, the owner’s insurance on the building does not cover your personal belongings or personal liability... that’s your responsibility. But the independent insurance agents of HaasHaas + Associates can make it easy, helping you determine just how much coverage you need to protect your belongings from fire, storm damage, theft, and other perils.