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...

Barry Marz
Barry Marz
June 9, 2023
A friend recommended Megan to help me with my home policy after my previous agent did not help me look for a new policy. I spoke with Megan and she took my information and what I wanted in a policy. She sent a policy the next day and we went through it, line by line. She explained the coverage and how it was as good or better than my current one. I had her bind it and I canceled my current policy, which saved me money. I had a few questions in the next few weeks, and she was right there to answer them all; hopefully I will not have a claim, but if I do I feel confident Megan and her staff will be there to help.
Corey Macias
Corey Macias
December 7, 2022
I have had nothing but great experiences with this insurance company. I used David to set up my business insurance and my home insurance. Always very responsive and helpful.
Jim Wendorf
Jim Wendorf
December 6, 2022
2022 after Hurricane Ian: 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 Willard to be very knowledgeable and a pleasure to work with.
Paul Harris
Paul Harris
October 14, 2022
Always there when we need them. A++
Melinda Houdasheldt
Melinda Houdasheldt
August 25, 2022
We've been doing business with this agency for many years and once again Megan has taken very good care of our insurance needs. Highly recommend.
Michael Fallon
Michael Fallon
July 27, 2022
From. the very first contact, Meghan has been patient, helpful and thorough in getting me insurance coverage for 2023 after my old agent sold their business. I feel confident about my relationship with Lott & Gaylor after multiple phone and email exchanges with Meghan

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. 

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