Business Details
50+ Years
experience
Your Trusted Insurance Partner in Fort Myers, FL
For over 40 years, Lott & Gaylor has dedicated itself to providing Southwest Florida residents with comprehensive insurance solutions tailored to their unique needs. Our mission centers on delivering personalized service that prioritizes client protection through homeowners, auto, and business insurance policies. With a legacy dating back to 1956, our agency combines deep local expertise with a commitment to honesty and integrity. Our team of seasoned professionals takes a proactive approach to anticipate risks and develop customized strategies that align with individual and business requirements. We emphasize transparency in all communications, ensuring clients fully understand their coverage options while navigating complex insurance terminology.As an independent agency, we partner with top-tier insurance providers to match clients with optimal policies rather than offering one-size-fits-all solutions. Our dedication to exceptional customer service has earned us the trust of Fort Myers, Cape Coral, Naples, and surrounding communities. We maintain open lines of communication to address policy questions promptly and efficiently. Our focus remains on protecting clients' assets and livelihoods through competitive pricing and comprehensive coverage. This enduring commitment to client satisfaction continues to drive our agency's reputation as a trusted insurance advisor in Southwest Florida.
Services
Homeowners Insurance
Auto Insurance
Business Insurance
Flood Insurance
Boat Insurance
Life Insurance
Commercial Property Insurance
Workers Compensation
Surety Bonds
Cyber Liability Insurance
Details
- Year established: 1956
Highlights and features
- We offer 65+ years of combined insurance expertise in Southwest Florida
- Our team provides personalized policy recommendations rather than generic solutions
- We maintain transparent communication about coverage options and pricing
- Our agents specialize in navigating Florida's unique insurance requirements
- We proactively identify potential risks to develop comprehensive protection strategies
What people say
Excellent customer service
Knowledgeable about Florida insurance
Saved me $300
Quick turnaround
Responsive team
Services
Homeowners Insurance
Protect your home investment with customized policies addressing Florida's unique risks including hurricane damage and flooding. Our specialists help clients understand coverage options for dwelling protection, personal property, and liability. We offer competitive rates through multiple carriers while maintaining personalized service throughout policy selection and claims processes.
Business Insurance
Safeguard your business operations with comprehensive coverage including property damage, liability protection, and business interruption insurance. Our agents specialize in creating tailored packages for Southwest Florida businesses across various industries. We help identify potential risks and implement cost-effective solutions to protect against financial losses from lawsuits, natural disasters, and operational disruptions.
Flood Insurance
Secure specialized flood coverage through the National Flood Insurance Program and private carriers. Our experts guide clients through flood zone requirements and policy options to protect properties in high-risk areas. We provide detailed explanations of coverage limitations and help implement mitigation strategies to reduce flood-related financial exposure.
Auto Insurance
Obtain competitive auto insurance rates with customized coverage options for personal and commercial vehicles. Our specialists help clients navigate Florida's minimum requirements while offering enhanced protection through multiple carriers. We provide guidance on policy features like uninsured motorist coverage and roadside assistance while maintaining personalized service during claims processing.
Cyber Liability Insurance
Protect your business from cyber threats with specialized coverage for data breaches and network security failures. Our agents help identify vulnerabilities in digital infrastructure and implement policies covering legal expenses, notification costs, and business interruption losses. We provide risk management resources to minimize cyber attack impacts while ensuring appropriate coverage levels.
People
Megan
Insurance Agent
Experienced insurance professional specializing in personal and commercial policies with a focus on client education and personalized service. Known for exceptional customer support during policy selection and claims processes.
David Maxwell
Senior Agent
Seasoned insurance specialist with expertise in commercial policies and risk management strategies for Southwest Florida businesses. Provides tailored solutions for complex insurance needs across multiple industries.
Dawn Angeloni
Insurance Specialist
Dedicated insurance professional managing commercial accounts with emphasis on property and liability protection for community associations and business owners in Southwest Florida.
Questions
What types of insurance do you offer?
We provide homeowners, auto, business, flood, boat, life, and specialty insurance products tailored to Southwest Florida residents and businesses.
Do you serve areas outside Fort Myers?
Yes, we serve Cape Coral, Naples, Bonita Springs, Port Charlotte, and Sarasota in Southwest Florida.
How can I get a quote?
Request a quote through our website, call us directly at (239) 337-2221, or visit our Fort Myers office for personalized assistance.
Are you an independent agency?
Yes, we're independent and partner with multiple insurance carriers to find optimal coverage options for each client.
What sets you apart from other agencies?
Our 65+ years of local experience, personalized service approach, and commitment to proactive risk management differentiate us from competitors.
Do you offer business insurance for small businesses?
Yes, we specialize in customized business insurance packages for small businesses across various industries in Southwest Florida.
Reviews (6)
Scott Lawrence
Jan 05, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
Megan has been great to work with and always pleasant to deal with.
Megan has been great to work with and always pleasant to deal with.
Donna
Oct 03, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I contacted several insurance companies for a quote for our condo insurance. I spoke with Megan D. at Lott and Gaylor Insurance and she was wonderful. She was very friendly and sent me a quote within an hour. She was amazing to work with and I highly recommend Megan and Lott and Gaylor Insurance! You won't regret it.
I contacted several insurance companies for a quote for our condo insurance. I spoke with Megan D. at Lott and Gaylor Insurance and she was wonderful. She was very friendly and sent me a quote within an hour. She was amazing to work with and I highly recommend Megan and Lott and Gaylor Insurance! You won't regret it.
Jay OConnor
Sep 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Lott & Gaylor Insurance did a wonderful job of servicing our business insurance needs. They were able to lower my premiums without moving our coverage away from a AAA-rated carrier. The staff was responsive to our service needs and resolved our concerns quickly and professionally.
Lott & Gaylor Insurance did a wonderful job of servicing our business insurance needs. They were able to lower my premiums without moving our coverage away from a AAA-rated carrier. The staff was responsive to our service needs and resolved our concerns quickly and professionally.
Scott Hawkins
Sep 22, 2021
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Positive:Professionalism,Responsiveness
Megan Duchene was a perfect and well informed agent. As an out of state property purchaser in Florida, she guided us with professional and quick response to our insurance needs. Great local firm!
Megan Duchene was a perfect and well informed agent. As an out of state property purchaser in Florida, she guided us with professional and quick response to our insurance needs. Great local firm!
Shawn Patterson
Sep 01, 2021
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I worked with Megan D after a whirlwind of a home buying experience. She was so responsive and helpful. Megan went above and beyond to help us. I ask a lot of questions, and Megan was so patient and willing to explain things. I did my due diligence and checked out a number of other home insurance providers, but they could not compare to Lott & Gaylor.
Mitch Schwenke
Sep 01, 2021
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I have been doing business with Lott & Gaylor going on 20 years and due to the professionalism and personal service I don't feel the need to shop around. Having started with Phil Gaylor in the beginning and communicating with Monica, Dawn and most recently Peter, I still feel that way. They always look out after my best interests ... which is what a businessman would like and hopefully expect in their relationship in the insurance world. Give em a call!!!
