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Flood Insurance

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Stay Ahead of the Storm

Flood Insurance That Keeps You Prepared

Floods are one of the most common and costly natural disasters, and standard homeowners or renters insurance often doesn’t cover flood damage. Byars Cooper Insurance Agency offers customized flood insurance to protect your home, property, and peace of mind. Whether you live in a high-risk area or want extra protection, we’re here to help Alabama homeowners and renters stay prepared.

Protects Your Home

Covers structural damage caused by flooding, ensuring your home can be repaired or rebuilt.

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Covers Your Belongings

Provides financial protection for damaged furniture, appliances, and personal items.

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Reduces Financial Risk

Helps avoid out-of-pocket costs that could arise from uninsured flood damage.

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What We Cover

  • Building Coverage

    Protects your home’s foundation, walls, roof, and attached structures against flood damage.

  • Personal Property Coverage

    Covers your belongings, including furniture, appliances, electronics, and clothing, from water damage.

  • Basement Coverage

    Provides limited coverage for items like water heaters and HVAC systems located in your basement.

  • Replacement Cost Coverage

    Ensures you receive the full value of damaged property, not just the depreciated amount.

  • Customizable Options

    Tailor your policy to include coverage for secondary homes, vacation properties, or high-value items.

An aerial view of a flooded house in a residential area.
A man and a woman are rolling a rug in a living room.

Why Choose Byars Cooper Insurance?

  • Local Knowledge: We understand the unique flood risks in Alabama and tailor policies to meet your needs.


  • Personalized Plans: Our team takes the time to ensure your coverage matches your property’s specific flood risk.


  • Trusted Providers: We partner with top insurance carriers to offer reliable and affordable flood protection.