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Is that's a contraction?

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yes, that's is a contraction AKA that is. That's is also a possessive pronoun.
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What is the contract of I am?

The contraction of "I am" is I'm

Is and has contractions?

OK, here are some examples. He is or he has = he's. I have = I've. You can't always make contractions 'Is' and 'has' have no contractions by themselves

If you have a contract with a renter that's saids they have to pay for the breakdowns do the renters have to pay?

Do you mean the contract states that the owner/real estate will pay for repairs and maintenance? If the contract states that the realtor will pay for repairs and maintenance o