Yes, personal belongings are typically covered under condo insurance, but it depends on your policy. A standard HO-6 condo insurance policy includes personal property coverage, which protects belongings like furniture, electronics, clothing, and appliances from covered perils such as fire, theft, or water damage. However, coverage limits apply, and high-value items like jewelry or art may need additional endorsements. Policies usually have actual cash value (ACV) or replacement cost value (RCV) options, impacting how claims are paid. Additionally, deductibles apply before coverage kicks in. If you experience a loss, your insurer reimburses you based on the policy terms, up to the coverage limit. Some perils, like floods or earthquakes, require separate policies. It’s crucial to review your policy to ensure it covers your possessions adequately and consider adding scheduled personal property coverage for high-value items if necessary. Always check with your insurer for specific details.