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.
Verma Insurance Agency 
