Home and Auto Insurance

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Home and Auto Insurance 2017-04-13T11:38:16+00:00

Home and Auto Insurance

Serving Fort Myers, Cape Coral, Naples and all of Southwest Florida
Finding the right agent and company to give you home insurance and auto insurance in Fort Myers, Cape Coral and Naples can be a daunting task. Lott & Gaylor’s Home and Auto Insurance products offer our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages. Sometimes what agents tell you makes them different really makes them the same.

How we serve you is as important as what we offer. First, we listen to you. We discuss your needs and answer your questions. Next, we look at both your short-term and long-term goals, then we help put your personal insurance and planning needs in perspective. Providing our clients great homeowners insurance and auto insurance is at the very foundation of Lott & Gaylor’s mission. We’ve served the Southwest Florida community for over three decades and understand the market forces that drive insurance coverages and costs.

Call us today and let us put our knowledge of the current market conditions to work for you. Whether you’re searching for better home and auto insurance coverages through rated companies or looking for better service for your personal insurance needs – we can develop a cost-effective solution for you. We will offer fast, free no obligation quotes from many markets to help corner the most competitive rates and the most favorable terms. Our agents are seasoned at placing auto, condo and home insurance in Southwest Florida and around the state.

Fort Myers, Cape Coral & Naples Homeowners InsuranceIf you have tangible assets, you need the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way – unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier not you in the event of a loss.

Car Insurance QuoteThis coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.

The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Fort Myers, Cape Coral & Naples Condo InsuranceCondo insurance provides coverage for your unit where your condominium associations insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your associations insurance probably will not cover.

Every associations insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condo by-laws carefully.

Fort Myers and Cape Coral Boat InsuranceBoat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

Fort Myers, Cape Coral & Naples Motorcycle InsuranceWhether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance.

Motorcycle insurance is a way of sharing the risks of driving between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet your needs.

Fort Myers, Cape Coral & Naples Flood InsuranceDid you know that your homeowners insurance does not cover flood damage? Insurance against flood must be separately obtained. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

FEMAs maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage.If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

Fort Myers, Cape Coral & Naples Motor-home InsuranceAs much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.

Fort Myers, Cape Coral & Naples Personal Watercraft InsuranceAs much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.
Fort Myers, Cape Coral & Naples Personal UmbrellaYou do not have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive peace of mind for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbors child drowning in your pool or the delivery man being seriously injured by falling over your childs toys.

Fort Myers, Cape Coral & Naples Renters InsuranceAs a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we will assure you the peace of mind you need for your valuable items and electronics.