Verma Insurance Agency 


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Verma Insurance Agency
2600 E. Bidwell St., Suite 250
Folsom, CA 95630

ph: 916-221-3400

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Flood Insurance

Make sure you're prepared with Farmers flood insurance
• Everyone lives in a flood zone. 
You don't need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems. 
• Flood damage is not covered by homeowners policies. 
You can protect your home, business, and belongings with flood insurance from Farmers -- up to $250,000 for the building and $100,000 for contents. 
• You can buy flood insurance no matter what your flood risk is. 
Flood insurance is a good buy even in low or moderate risk areas. Almost 25 percent of all flood insurance claims come from low- to moderate-risk areas. 
• There is a low-cost policy for homes in low to moderate risk areas. 
The Preferred Risk Policy is available for just over $100 a year. You can buy up to $250,000 of coverage for your home and $60,000 of coverage for your contents. 
• Flood insurance is affordable. 
The average flood insurance policy costs about $300 a year for $100,000 of coverage. In comparison, a disaster home loan for $50,000 can cost you more than $300 a month over 20 years. 
• Contents coverage is separate, so renters can get flood insurance. 
Up to $100,000 contents coverage is available for homeowners and renters.
• There is usually a 30-day waiting period before the coverage goes into effect. Plan Ahead before the Flood threat
• Federal disaster assistance is not the answer. 
Federal disaster assistance is only available if the President declares a disaster. Nine out of 10 disasters in the United States are not declared by the President.  
Flood insurance pays even if a disaster is not declared.

Click Here to know more about Flood insurance

It only takes a few inches of water, and your home could need major repairs. Yet, most homeowners policies don't cover flooding.






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Verma Insurance Agency
2600 E. Bidwell St., Suite 250
Folsom, CA 95630

ph: 916-221-3400

Connect with us on Facebook