Homeowners, Automobile and Business Insurance

37 years of serving the insurance needs of Fort Myers, Cape Coral, Naples and all of Southwest Florida

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.

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.

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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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.

  • review rating 5  Lott & Gaylor has been my insurance agent for nine years and served my grandparents for a decade before me. They have insured multiple properties for me and they're professional and extremely easy to work with. They always help me find cost savings and remind me when I need to renew or provide information. I could not ask for a better insurance agency. My grandparents picked a winner.

    thumb Paul Milde
    6/20/2019
  • review rating 5  Monica Frier went over and above to help us secure Homeowners insurance on a new home purchase. She re-quoted and explained everything so that we had a complete knowledge of what we were getting and we should have certain coverage. Highly recommended.

    thumb shanelle winn
    6/14/2019
  • review rating 5  When I called about Hurricane Irma in 2017 Monica was very friendly and informative. I called recently regarding paying off my mortgage and again she was very nice and gave me the information I needed for my series of questions. I will keep having them as my insurance company. Not too many companies care about your needs just to get you off the phone, but she also makes sure I am completely satisfied with her answers and my understanding of going forward paying my premium on my own and not through the mortgage company. Thank You!

    thumb Jill Marcolini
    5/01/2019
  • review rating 5  Monica was very helpful and resourceful in resolving my issues with home insurance policy. She really put me at ease with fast results. THANK YOU MONICA.

    thumb Lu Soria
    7/02/2019
  • review rating 5  Monica Frier is a true gem (personable and efficient) I have been with Lott & Gaylor since 2013. Each year I call Monica to review current coverage and possibly even change providers in order to get best coverage for the dollar. Every year she responds quickly and takes care of me (sometimes down to the wire) would recommend to anyone.

    thumb Tara Agnew
    7/03/2019