'Personal property' coverage protects your stuff, no matter where you are in the world. Personal Property Coverage for Renters covers your personal items, including personal property you may be using outside of your home.Are you renting in California? Coverage C (Personal Property, or Contents) includes the benefits you are entitled to clean or replace your belongings or "stuff. This guide was designed to give you a better understanding about the kind of homeowners and renters insurance that is best for you. Personal property coverage is one of four major coverages included in standard renters insurance. Learn more about what it protects and how much you need. Renters insurance in California typically includes four main types of coverage: personal property, liability, additional living expenses (ALE), and loss of use.