Short answer: Standard property policies exclude earthquake. Salons in earthquake-prone areas such as California and parts of Nevada need a separate policy or endorsement.

The details

Earthquake deductibles are often a percentage of insured value.

Decide deliberately rather than by default.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: California property · California salon insurance.

More questions: Do mobile hairstylists need insurance? · Does barber insurance cover razor cuts? · Does salon insurance cover hair damage claims?.

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