Homeowners, Automobile and Business Insurance

Serving Fort Myers, Cape Coral, Naples and all of Southwest Florida

Homeowners & Condo Insurance

Protection for your home or condo and personal possessions, along with personal liability and umbrella coverage.
Get a Home or Condo Quote
Get a flood quote

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Automobile Insurance

Protection for your automobiles, boats, motorcycles, Recreational Vehicles and other toys including umbrella coverage.
Get an auto quote
Get a Watercraft Quote

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Business Insurance

Peace of mind for your business through general liability, property, business automobile, workers compensation, health insurance and more.
Get a Business Quote
Workers Comp Application

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We understand that home insurance, auto insurance, and business insurance can often be confusing. We also understand that too many insurance agencies focus on themselves; what they tell you makes them different is really what makes them all the same. Partnering with a Fort Myers business, auto or home insurance firm is an important decision that can often make the difference between confusion and chaos or peace of mind.

More than a just a faceless agent, at Lott & Gaylor you’ll receive a friendly partner to help guide you through the complexities of coverage options and insurance policy terms that can be so frustrating. If you see value in the power of personal relationships and understand that trust is earned and not given, you’ll understand our agency vision. Our approach isn’t unique, but we think we’ve perfected how to earn trust by providing great coverage with the best service, one policy, and one partner at a time.

Honesty and integrity is not something our Cape Coral, Naples and Ft. Myers insurance partners hope to receive from us, it’s what they demand. Our pledge is that each auto, business or home insurance policy will be written with your best interest in mind, not ours.

For over 30 years we’ve drawn upon the combined experience of our staff to merge a customer-centered approach to providing rock solid insurance solutions that are both affordable and comprehensive. We strive to provide superior value through a measured – client-oriented approach. Whether you need homeowners or condo insurance, auto or business insurance in Fort Myers, Naples, Cape Coral or beyond – we can handle it.

We believe that insurance shouldn’t be a burden and dealing with it shouldn’t be a hassle, call or email us today and let us put our knowledge and experience to work for you.

Contact us today and let us show you how the power of personal service and a passion for risk management can help you protect the things you care about most. Our insurance service team strives to raise the bar by providing you with an experience unmatched by other insurance providers.

Our clients demand value and accountability, and we love that.

I appreciate the wonderful and timely service that I have received from your office. I had quite a bad experience in dealing with my mtg. company on my homeowners and flood insurance. Katrina was able to help me endlessly in this matter and made my search ever so much easier and calm. I can’t thank you enough for her wonderful service.

Patty Houlihan

Monica has been our agent for homeowners insurance the past few years. She has always been cordial and is very knowledgeable in answering my questions. Keep up the great service!

Eugene Willard

Proactive, professional and personalized client services. What more can you ask for?!?!

Sandalfoot Condominium Association

Have been doing business with your firm for over 20 years and would not even consider going elsewhere for my insurance needs. Corporately and Personally, have remained satisfied with the service and product received.

Ed Crittenden

I have been in business and therefore dealing with insurance companies since 1980. All I can say about Lott and Gaylor, in comparing them with all the other insurance companies I have worked with, I simply would not ever consider using another company due to the service I have received.

Noreen Scarola

Great People. Great Knowledge. Great Community Stewards.

I have had the genuine pleasure of knowing and working with Phil Gaylor and Lott & Gaylor for over 20 years.

Yes, we get good coverage, with good companies, but what we truly get is so much more. We get great people. The type of people who care about you, the person and makes sure you are treated the way they would want to be treated. We get great knowledge. The kind of knowledge that helps us save money and gain coverage. And we get great community stewards who realize that it is just as important to give back to the community as it is to work within it.

Thank you.

Christopher Spiro

Lott and Gaylor have been servicing our insurance needs for 20 years. From the mundane to the complex, the staff is very helpful and does what it takes to resolve insurance issues when they arise. Thank You!

Jim Green, Your Content Goes Here

Lott & Gaylor have been handling all my insurance needs for several years. They began by handling my homeowners only, but I was so impressed with the quality of their service that, as each of my other 5 policies came up for renewal, I transferred them to Lott & Gaylor.

I have never been sorry for having done so. They continue to be responsive and competitive in all areas.

Robert Kaye, Your Content Goes Here

We have had Lott and Gaylor for a few years now as our insurance agent. Dave Maxwell our agent is always there to answer questions and to get us the best coverage and price.

Darlene Keith, CLMS Condo Association

Our family is very pleased with the service of Lott & Gaylor. They are professional, knowledgeable and very attentive. Fantastic customer service answering all of our questions and addressing our concerns as well. Great Fort Myers family business.


Our business is greatful to David Maxwell and the Team at Lott & Gaylor for taking the time to meet our insurance needs when others wouldn’t give us the time of day. We are forever a customer.

Mark T.

We have received such great customer service with Lott & Gaylor Insurance that we highly recommend your company to anyone who asks.

Thank you

Lynn LaFlamme

David Maxwell with Lott & Gaylor has been providing me with outstanding service and the best rates available for my small business for several years. It’s hard to find another insurance company that could do it any better, or any more reasonable. I frequently recommend them to other colleagues.

Roxanne Kolson

Monica in the personal lines department is wonderful, my previous agent told me that Citizens insurance was my only choice. Turns out it was his only choice… Thank you again for getting me better coverage at a better price!

Joe R.