Personal property coverage pays to repair or replace personal belongings if they are damaged, destroyed, or stolen. Personal property: Under renter's insurance, your belongings, such as furniture, clothing, computers, and kitchenware are protected.Protect your personal property and your valuable belongings with renters insurance coverage designed for renters of apartments, houses, condos and more. When you get a renter's insurance policy, you will set your personal property limits based on how much you want to cover. Massachusetts Renters insurance assures you that you're protected against the damage or loss of personal property when you rent an apartment or house. This can include things like your furniture, clothing, and electronics. Renters insurance Policy in Massachusetts provides coverage for your personal belongings when you rent or lease your home. First, you need to figure out how much coverage you need. For anyone renting property in Massachusetts, renters insurance must be purchased if you want your personal possessions to be protected. It's critical to know that your landlord's policy won't cover you and your personal property in these situations.