Personal property coverage pays to repair or replace personal belongings if they are damaged, destroyed, or stolen. Coverage. Coverage generally provided under a Renter's Policy includes: Personal Property; Loss of Use; Personal Liability; Medical Payments to Others.Covers your personal items, including personal property you may be using outside of your home. Begin your free online quote. Beginning with 2024 Certificates of Rent Paid, you must create and submit all Minnesota CRPs using eServices. This handbook attempts to explain those rights. New filing method for renters! Beginning with tax year 2024, renters will no longer file a Renter's Property Tax Refund return (Form M1PR). Homestead status can save you money on your property taxes. Individual taxpayer identification numbers now qualify property owners for homestead exclusion.