Lott & Gaylor Insurance


with a personal touch

With more than 40 years in business in Southwest Florida, our only mission is to protect you. Let us show you the power of personal service.

Personal Insurance

Home, Auto, Boat and Life. Talk to one of our agents today to review your existing insurance plan or develop a new one.

Auto Insurance

Let our agents navigate the confusion and shop our auto insurance companies to find you the best production.

Business Insurance

We believe every business owner deserves access to sound, informed advice. We're ready to help protect your future.
Why Choose Us?

Dedicated to keeping what matters to you most, safe.

Since Frank Lott began writing homeowners insurance policies in Fort Myers in 1956, we’ve learned quite a bit about how to manage 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 affordable home insurance, auto insurance, and business insurance can often be confusing and that too many insurance agencies focus on themselves.

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 home or auto 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.

What's next?

Getting Started is easy

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.

Call or Apply Online

Apply Online using our secure application forms or call

Get a Quote

We will send you competitive quotes with options to choose from

Get Coverage

Once you approve, coverage can start almost immediately

Homeowners & Condo Insurance

Your home is your castle, let's make sure it's protected - affordably!

Auto Insurance

Our auto insurance company’s offer sound coverage at a price that will fit any budget.

Business Insurance

Complete commercial insurance solutions for most industries.

Affordable Home & Condo Insurance

Have you ever asked yourself... What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

Save on Auto Insurance Today!

Let our agents navigate the confusion and shop our auto insurance companies to find you the best production. Complete coverage at affordable rates!

Comprehensive Commercial Insurance Plans

Protect your business affordably
Protecting your business should be the first order of business. From general liability, auto, property, workers comp and beyond - we can help!

What our clients are saying...

Betty Barrow
Betty Barrow
Megan Duchene was very helpful and responded quickly to our questions. She helped us achieve substantial reductions in the premium we were paying for homeowners insurance.
Andreas Rissaweg
Andreas Rissaweg
Great personalized consulting services!
Scott Lawrence
Scott Lawrence
Megan has been great to work with and always pleasant to deal with.
Lou Macri
Lou Macri
Megan Duchene, an agent at Lott and Gaylord insurance, was extremely professional and responsive to my request for Home Owners and Flood insurance. Megan quickly determined my insurance needs and requirements, sent me a quote and provided a great quality policy that was within my budget expectations. Thanks Megan!
Bob Langford
Bob Langford
Megan was the most helpful and responsive insurance agent I have worked with in years. I would recommend Megan her agency highly
Heidi Harken
Heidi Harken
Lott & Gaylor offers great flood insurance rates, are quick and responsive in getting quotes and helpful through the process. We have not worked with them on any claims, but buying insurance through them was a good experience and I like that they are honest and straight forward.
Tyrone Glover
Tyrone Glover
Truly appreciate the professionalism, of which I was offered, the quality of service, second to none, all of my inquiries and needs were met, in a timely manner.
Jim Wendorf
Jim Wendorf
We have been with Lott & Gaylor Insurance for a number of years. We wouldn’t think about going anywhere else for our insurance needs. We have found Katrina to be very knowledgeable and a pleasure to work with.

Contact us today to compare and save.

Reliability. Integrity. Peace of mind.

Start a fast, free home, auto or business insurance quote with Lott & Gaylor. 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. 

Carriers We Represent

One-size-fits-all doesn’t apply when it comes to insurance, which is why every clients needs are matched with a company that suits them best.

As an independent agency we sit on the same side of the table as our clients.  Since 1982, we’ve grown our insurance company portfolio to find the best home, auto, business, and specialty insurance companies for our clients in Fort Myers, Cape Coral, Bonita Springs, Naples and all of Southwest Florida. 

1 +
View all our carriers...
Click here

At vero eos et accusamus et iusto odio digni goikussimos ducimus qui to bonfo blanditiis praese. Ntium voluum deleniti atque.

Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)