Business Details
50+ Years
experience
Your Trusted Partner for Insurance Solutions
For over 40 years, Lott & Gaylor has dedicated itself to raising the standard of insurance services in Southwest Florida. Our mission centers on delivering unparalleled protection and peace of mind through personalized service, tailored coverage, and competitive pricing. With a legacy dating back to 1956, we combine deep local expertise with a proactive approach to anticipate risks and address evolving client needs. Our team prioritizes honesty, integrity, and reliability, ensuring clients receive informed guidance for home, auto, and business insurance solutions.We serve Fort Myers, Cape Coral, Naples, and all of Southwest Florida, advocating for clients during claims and policy negotiations. By maintaining independence, we match each client with the most suitable insurance carrier, fostering long-term relationships built on trust. Our commitment to excellence is reflected in our responsive support, community-focused values, and dedication to safeguarding what matters most to our clients.
Services
Homeowners Insurance
Auto Insurance
Business Insurance
Flood Insurance
Boat Insurance
Life Insurance
Commercial Property Insurance
Workers Compensation Insurance
Condo Insurance
Classic Car Insurance
Details
- Year established: 1956
Highlights and features
- We have over 65 years of combined experience in Southwest Florida's insurance market.
- Our team prioritizes honesty, integrity, and client-focused service.
- We specialize in matching clients with customized insurance solutions.
- We advocate for clients during claims and policy negotiations.
- Our agents provide responsive, personalized support for all insurance needs.
What people say
Very knowledgeable
Saved me 300
Great job
Quick turn-around
Highly recommend
Services
Homeowners Insurance
Protect your home and belongings with tailored homeowners insurance policies. We offer comprehensive coverage options for property damage, liability, and natural disasters. Our agents help Southwest Florida residents secure affordable policies that meet their specific needs.
Business Insurance
Safeguard your business with customized commercial insurance solutions. We provide liability coverage, property protection, and risk management strategies for companies in Fort Myers, Cape Coral, and Naples. Our policies address interruptions, lawsuits, and industry-specific risks.
Flood Insurance
Secure flood insurance tailored to Florida's unique risks. We help homeowners and businesses in high-risk zones obtain policies that cover water damage from storms, hurricanes, and rising waters. Our team explains coverage options and policy requirements clearly.
Auto Insurance
Get competitive auto insurance rates with coverage for collision, liability, and uninsured motorists. Our agents shop multiple carriers to find policies that balance protection and affordability for personal and commercial vehicles.
Boat Insurance
Protect your watercraft with specialized boat insurance policies. We cover damage from accidents, theft, and weather events for recreational and commercial vessels. Our agents ensure Florida boaters understand policy limits and exclusions.
People
David Maxwell
Insurance Agent
David Maxwell brings decades of insurance expertise to Lott & Gaylor, specializing in commercial policies for Southwest Florida businesses. He prioritizes client education and advocates for fair claims resolutions.
Dawn Angeloni
Insurance Agent
Dawn Angeloni focuses on personalized service for homeowners and business clients, leveraging her deep knowledge of Florida's insurance landscape to find tailored solutions. She emphasizes clear communication and prompt support.
Megan
Insurance Agent
Megan assists clients with auto, boat, and specialty insurance policies, consistently delivering cost-saving solutions. Her attentive approach ensures clients understand coverage details and policy benefits.
Questions
What types of insurance do you offer?
We provide homeowners, auto, flood, boat, life, and business insurance, including specialized policies for contractors, restaurants, and HOAs.
How do you find the best insurance rates?
As an independent agency, we compare policies from multiple carriers to ensure competitive pricing tailored to your specific coverage needs.
Why do I need business insurance?
Business insurance protects against property loss, lawsuits, and interruptions, ensuring your company remains financially secure during unexpected events.
Is flood insurance required in Florida?
Flood insurance is mandatory for properties in high-risk zones but recommended for all Florida homeowners due to hurricane and storm risks.
How do I file an insurance claim?
Contact our office directly to initiate a claim. We guide you through documentation and advocate for timely, fair resolutions with your carrier.
Reviews (7)
Mike M.
May 28, 2022
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Needed to switch home insurance carriers. I contacted many agents in the Southwest Florida area. Megan took the time to respond to all my emails and questions in a timely manner. She even responded while on her vacation which impressed me. Because of Megan, I went with Lott & Gaylor.
Isabelle Desaulniers
Apr 10, 2022
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Very efficient and easy to deal with. Megan sorted out our file in no time and we are extremely happy with the outcome. We would recommend this office in a heartbeat.
James Folden
Mar 27, 2022
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Megan Dutchene at Lott and gaylore was awesome to work with, very quick at getting me a quote at a reasonable price with the coverage I needed, would highly recommend
Joe Curley
Mar 10, 2022
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My experience with Lott & Gaylor was to replace my current Homeowners Policy. All of my contacts were with Megan Duchene. Megan was very professional and personable in all respects. She made my choices easy to understand and she explained what I needed to know in order to make the best decisions. I recommend Megan and Lott & Taylor to everyone.
Betty Barrow
Feb 07, 2022
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Megan Duchene was very helpful and responded quickly to our questions. She helped us achieve substantial reductions in the premium we were paying for homeowners insurance.
Cindy McCullough
Feb 05, 2022
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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 don't 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
Lou Macri
Dec 11, 2021
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Megan Duchene, an agent at Lott and Gaylord insurance, was extremely professional and responsive to my request for Home Owners and Flood insurance. Megan quickly determined my insurance needs and requirements, sent me a quote and provided a great quality policy that was within my budget expectations. Thanks Megan!
