David Maxwell

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Is Wind Insurance Worth the Additional Cost?

With insurance premiums skyrocketing here in Florida – you may be asking yourself if the additional premium you’re paying for wind and hail coverage is a sound investment. In some cases, 70% or more of your home insurance premium may be associated with the wind related portion of the overall risk. Purchasing wind coverage in […]
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What is Condo Insurance

What is Condo Insurance & What Does it Cover?

Condo insurance helps protect you from losses and repair costs associated with a condominium unit. In a typical policy, you’ll often find coverage for theft, vandalism, fire damage, water damage, and more. Condos are options for those who aren’t interested in owning a home or renting an apartment, and condominium dwellers have their own unique […]
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Homeowners vs Condo Insurance

How Is Condo Insurance Different From Homeowners Insurance?

Condo insurance and homeowners insurance are similar in the fact that they both cover the inside of a home, personal property, and personal liability. The main difference between these two policies is how they insure the structure of a home. Homeowners vs Condo Homeowners insurance covers the inside and the outside of a home – […]
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importance homeowners insurance

How Important is Homeowners Insurance?

Your home is one of your biggest assets, so it only makes sense to protect it. That’s exactly what homeowners insurance does – it protects your home and personal property and can provide the funds to rebuild in the event of a loss.  Most mortgage lenders require you to have a homeowners insurance policy. If […]
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Reduce auto insurance

Ways to Reduce Big Increases in Auto Insurance

It seems like everything is more expensive nowadays, including car insurance. At Lott & Gaylor Insurance, we are dedicated to getting our customers the best deals possible – while making sure they’re adequately protected. Follow the tips in this article to lower your auto insurance rate and save some hard-earned money.  Investigate discounts.  There might […]
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