About us
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.
Personal Lines insurance professionals
Ask me about these types of insurance...
Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.
Request an automobile insurance quoteGet multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.
Request a homeowners insurance quoteWhy choose Lott & Gaylor Insurance
States we serve
- Florida
Our insurance coverages
Personal insurance coverage
- Automobile
- Condo
- Home
- Renters
Business insurance coverage
- Business Owners Package (BOP)
- Business Vehicle
- General Liability
- Property
Life & Annuties coverage
- Annuities
- Life
Recommended insurance company partners
Other companies we work with:
American Integrity Insurance, Cabrillo Coastal, Citizens, Cypress Insurance Group, Edison Insurance, Heritage Insurance Company, Hiscox Ins Co Inc., Johnson & Johnson Insurance, Manatee Insurance Exchange, Monarch National Insurance, Orange Insurance Exchange, Security First Insurance Company, Slide Insurance, Tower Hill Preferred, Universal Property & Casualty Insurance, Vindati, Wright FloodLott & Gaylor Insurance Team
Lott & Gaylor Insurance Reviews
Customer Reviews
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
I highly recommend working with the folks at Lott & Gaylor! Monica is absolutely wonderful and very responsive to any questions I had. She takes extra time with her clients to ensure that all bases are covered. This is my second year working with them and I received the best rate every time. If youre looking for insurance youve found a great and caring company to guide you.
Megan at Lott and Gaynor Was so helpful in helping me understand homeowner insurance and policy differences as well as helping me compare apples to apples in policies. This agency truly excelled in customer service!! This is something RARE these days as most companies dont even have someone answering the phone. I would give 10 stars if it was available just because of their customer service this is a top-notch insurance agency with a total commitment to their customers
Dawn Angeloni, with Lott & Gaylor is wonderful to work with. She replies back faster than any agent I have ever worked with. Quick replies are very important as the financial officer of the business. I also have confidence that she is getting the best deals that she can on our insurance.
I especially enjoyed doing business with Megan Duchene from Lott and Gaylord Insurance. She was very responsive to my inquiries about providing us with a good quality home insurance policy. She is also working on providing us with a more acceptable car insurance policy than one we have with a different company. I recommend her highly. Richard Criscione
I contacted several insurance companies for a quote for our condo insurance. I spoke with Megan D. at Lott and Gaylor Insurance and she was wonderful. She was very friendly and sent me a quote within an hour. She was amazing to work with and I highly recommend Megan and Lott and Gaylor Insurance! You won't regret it.
Bought a home that needed new roof, roof was 20 hrs old. Insurance company I had said they would cancel policy if roof wasnt done in 30 days. This was right after Irma blew through and finding someone to look at it let alone replace it would take 6 months. I heard about Lott & Gaylor from a customer, called them, spoke with Megan, she set us up with coverage. She explained the price would be high until we did roof, she also suggested other ways to lower premium. Have been with them for 3+ years and couldnt be happier. Would definitely recommend checking with them for any insurance needs, low cost, great service.
Called multiple agencies to get a quote for my clients and Megan was the only one who answered and sent a quote immediately. She was able to get a reasonable quote for them and I highly recommend her for all personal insurance needs!
Lott & Gaylor Insurance has an incredible agent, Megan Duchene, who saved us from a huge insurance issue with a new property we had intended to purchase. At that time we knew she would be the best agent to help when we did find the right property; that day came in May, 2022 and Megan totally came through for us and made sure the property was completely covered in all areas. She is absolutely terrific to work with, and this is who you want assisting you if you ever need to file a claim. Thanks again, Megan! -Ty & Audra Cotta
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!
We prioritize honest feedback from our clients to assist future customers in making well-informed decisions. Our review section showcases authentic experiences from real customers. When a less-than-positive review is submitted, we share it with both the agent and the reviewer to foster collaboration and improvement based on constructive feedback. We also moderate reviews to remove inappropriate content or spam, upholding a high standard of trust and transparency.