Condominium Insurance
Condo Insurance for Fort Myers, Cape Coral, Naples and all of Southwest Florida
A Condominium Unit Owners insurance policy picks up coverage for a unit where the condominium association master policy leaves off. An association typically insures the building and other common areas. As a condo unit owner, you are responsible for the interior of your individual unit. Every association’s insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association master policy and condo by-laws carefully.
Lott & Gaylor has provided Condo Insurance to individuals and families in Fort Myers, Cape Coral, Naples and all of Southwest Florida for over three decades. Our insurance company’s understand the risks and have insurance products that are tailored to provide you excellent coverage for your condo unit at prices that are affordable.
In addition to a primary insurance policy tailor written for your condo unit, we also offer condo unit insurance for seasonal or secondary residences, time shares and vacation rentals. Call today and put our 40 years of experience to work for you.
Keep in mind that flood insurance is excluded under standard condo insurance (and renters insurance) policies. If you live in one of the many flood prone regions and have a federally backed mortgage, chances are you are required to carry it. Ask your Lott & Gaylor representative about flood insurance through the National Flood Insurance Program (NFIP).

What our clients are saying...
EXCELLENT Based on 153 reviews John Mayer2025-01-16Trustindex verifies that the original source of the review is Google. Insurance policies always make my eyes gloss over. I need professional assistance. You can do no better than Lott & Gaylor in my opinion. With their guidance I changed to higher quality insurance companies at materially lower premiums. Take my recommendation if you are looking to change insurance agents, and contact Lott & Gaylor. Kevin M2024-12-26Trustindex verifies that the original source of the review is Google. Quick! Efficient! Happy with pricing. Recommend. David Bottoni2024-12-26Trustindex verifies that the original source of the review is Google. Megan was very responsive, attentive and helpful. I would recommend Lott and Gaylor Insurance. Sandra Casey2024-08-15Trustindex verifies that the original source of the review is Google. Great to work with! They responded to my insurance needs quickly and efficiently Marilyn Balderrama2024-06-03Trustindex verifies that the original source of the review is Google. I was recommended by a friend of mine who suggested to give Lott & Gaylor Insurance company a call regarding my condo insurance. I was highly pleased with the agent (Megan Duchene) who did an awesome job connecting me with the right insurance company for my condo. She got back with me the same day I requested quotes. Nice job Megan! Will definitely recommend Lott & Gaylor to friends and family. Atul Kaul2024-02-28Trustindex verifies that the original source of the review is Google. Excellent service by Megan. She is patient and gave various options and coverage options to make an informed decision. Competitive quote, not disappointed. 5 stars! Laura Donohoe2024-02-18Trustindex verifies that the original source of the review is Google. I called Lott & Gaylor when I was finding it nearly impossible to find a new homeowners policy for a condominium I recently inherited in Ft Myers. After two very frustrating days on the phone with various insurance companies, Megan as able to find an affordable policy for me with the coverages I needed within 30 minutes. She was knowledgeable, professional and patient. I wish I'd called them first!! G'nC Roedding2023-11-02Trustindex verifies that the original source of the review is Google. We've been extremely happy with the prompt and throrough service we've received from Megan at Lott & Gaylor. They didn't just give us a policy to get money but sought to do what was in our best interests. We'd recommend them to anyone needing insurance.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Property Protection
Your condo insurance policy, also known as a HO-6 is typically written on a special form or “all risk” basis. A special form policy insures against all perils unless they are specifically excluded in the policy.
Some of these excluded perils are:Personal Liability & Umbrella Protection
- Personal liability for you, your spouse, relatives living with you and persons under 21 in your care
- Protection against claims you’re legally obligated to pay
- Payment of the cost of defending claims against you
- Pet Liability
- Medical expenses of others
- Accidental death benefits
A personal umbrella is a policy that primarily affords an additional layer of protection over your primary auto, boat and home, condo or renters insurance. The umbrella is typically sold in increments of one million dollars and the availability may be dependent upon the limit of underlying coverage.
In practice a true umbrella can actually become the primary source of coverage when there is no coverage on the underlying policy. These may include, but are not limited to:
- Libel
- Slander
- False Arrest
- Invasion of Privacy


Typically you need personal property and liability coverage for your condo unit. Within these broad categories are subsets of coverage that form a comprehensive protection plan and include the following:
This area of a condo insurance policy insures against losses to your units contents like furniture, electronics and clothing.
Additionally, this coverage may extend beyond your condo unit and cover your personal property when you are away from your condo.
In the event of a loss due to a covered peril that severely damages your unit, you may need a temporary place to stay while repairs are being made. This coverage provides a set monetary limit (dollar value) or be limited to your actual costs for a specified period of time.
This coverage may also provide for increases in cost to maintain your standard of living. This is an important limit that should be reviewed with your Lott & Gaylor representative annually to ensure adequate coverage.
Loss Assessment coverage is a coverage that is uniquely designed for unit owners that belong to condo associations. This portion of the policy is designed to pay for unforeseen assessments that your association may impose upon its members. The amount of coverage however must be determined by you, so it is vital that you speak with your Lott & Gaylor representative to ensure you are purchasing an appropriate amount of coverage.
Examples of reasons your association could assess you are:
- Major windstorm damage to the association buildings that is not fully covered by the associations insurance.
- An injury on the common association premises (i.e. Pool) that results in a court award higher than the limit of liability carried by the association.
Liability coverage protects you for claims or law suits in which others make against you or your resident family members. These claims or suits may be for bodily injury or property damage that may or may not have occurred at your condo.
In addition to any settlement costs that a court awards, this coverage also may pay for court fees and defense costs – even if the claims are merit-less.
It is important that you speak with your Lott & Gaylor representative and select a limit of liability high enough to protect your assets.
If you need more protection than your condo unit provides, we recommend that you consider a personal umbrella policy. This would provide an additional layer of coverage of not only your condo liability but your auto and boat as well.
This portion of the condo unit insurance policy pays medical expenses up to the specified policy limit for people who are accidentally injured on your premises or your activities.
Keep in mind however, Coverage F does not provide medical payments coverage for you or members of your family that live with you.
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