SBI Lokpal — issued an insurance policy without consent and prior information

Address:	Sri Ganganagar, Rajasthan, 335001
Website:	[email protected]

Dear sir,
A month ago state bank of india, public park branch, sri ganganagar sent me an insurance policy against my 5 years old home loans without my permission and prior information.
The bank official are saying my home will be covered against flood and earthquake.
My city never faced any flood and earthquake in last 40 years. I made my home protected against such losses.
Than why sbi issued me such policy, which is not required by me.
More over why bank issued me any insurance policy without my consent.