2120 West First Street
Fort Myers Office
2120 West First Street
Serving Fort Myers, Cape Coral, Naples and all of Southwest Florida
You have to ask 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?
These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:
Finding the right agent and company to give you home insurance and auto insurance in Fort Myers, Cape Coral and Naples can be a daunting task. Lott & Gaylor’s Home and Auto Insurance products offer our customers with protection for their homes and personal possessions, along with personal liability coverages.
Call us today and let us put our knowledge of the current market conditions to work for you. Whether you’re searching for better home and auto insurance coverages through rated companies or looking for better service for your personal insurance needs – we can develop a cost-effective solution for you.
We will offer fast, free no obligation quotes from many markets to help corner the most competitive rates and the most favorable terms. Our agents are seasoned at placing auto, condo and home insurance in Southwest Florida and around the state.
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:
If you have tangible assets, you need the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way – unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier not you in the event of a loss.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for: