Fort Myers Office

2120 West First Street

Fort Myers, FL 33901

Home, Auto and Business Insurance for Fort Myers, Cape Coral and all of Southwest Florida since 1982

Homeowners Insurance

Protection for your home and personal possessions, along with personal liability.

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Auto Insurance

Let us help you look for lower auto insurance rates, with access to multiple companies we can see if you or your business can save money.

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Business Insurance

Peace of mind for your business through property insurance, general liability, business automobile, workers compensation, group health and more.

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Group Benefits

Our consultants can help create and administer a group benefits package that can be tailored to the needs of your workforce.

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Condo and Renters Insurance

Complete coverage for your condominium, jewelry and other personal possessions, along with personal liability and umbrella coverage.

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Boat & RV Insurance

We can help select the the boat, personal watercraft, motorcycle or RV insurance to fit your budget.

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Habitational Insurance

From Condo and Homeowner Associations to apartments and hotels, our team can help develop a customized the extra set of protections to cover your assets.

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Contractors Insurance

Lott & Gaylor can help customize a protection plan that includes general liability, commercial auto workers compensation and coverage for your tools.

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Our clients demand value and accountability,&#160;<em>and we love that.</em>

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

Since Frank Lott began writing homeowners insurance policies here in Fort Myers in 1956, we've learned quite a bit about how to mange the unique challenges faced by Southwest Floridians - as well as what our Lee County community demands when it comes to the value of peace of mind.  We understand that home insurance, auto insurance, and business insurance can often be confusing and that too many insurance agencies focus on themselves. In fact, what they tell you makes them different is really what makes them all the same. Partnering with the right Southwest Florida Insurance agency is an important decision that can often make the difference between confusion and chaos or peace of mind. 

For more than 65 years our founders have instilled a deep sense of culture that revolves around honesty, integrity and reliability. Whether you have a homeowners policy question, or a commercial insurance need our agents are here to help you navigate through the uncertainty of what can often be a seemingly complicated process.

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. 

Wind Mitigation Credits

Wind Mitigation Credits

Depending on where you live in Florida, the windstorm portion of your homeowners policy premium is typically between 15% – 70%.

wind mitigation inspection can drastically  reduce those premiums, depending on the construction of your home and how well it is designed to withstand potential windstorm damage.

<p>Term vs. Permanent Life Insurance</p>

Term vs. Permanent Life Insurance

When considering life insurance, it's important to understand your options.
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<p>What is a Claim?</p>

What is a Claim?

Do you know what a Claim is?
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