Agency website
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.
Call (239) 337-2221 today and let our agents help you find the solution that fits your needs, we offer:
- Homeowners Insurance
- Condo Insurance
- Renters Insurance
- Auto Insurance
- Boat Insurance
- Business Insurance
- Group Health Plans
- Life Insurance
What our clients are saying
"I contacted Megan about my property and auto insurance I had with another company. She was friendly, professional and explained everything to me, she saved me money. Needless to say I have changed to Lott & Gaylord for all my insurance needs."
"Very professional and friendly. Answered all my questions quickly and completely. Great rates!"
"Megan Duchene has been a pleasure to deal with for my insurance needs. I set up insurance over the phone for a property 1400 miles away, she made it very easy, with great communication. I would recommend her for anyone looking for insurance in Florida."
"I just wanted to send a review concerning Megan Duchene, she has got to be the most enjoyable person to work with. She has always been very informative and has gone above and beyond each and every time we have communicated together. Donna and Ghazi Allan"
"David Maxwell so was kind and helpful. In our first 5 minute conversation, he helped outline the insurance I needed, but had never understood before. He is easy to talk to, well informed, and responded same day to all of my communications. I would highly recommend Lott & Gaylor Insurance to ALL of my friends, family, and work associates. Thank you for helping me feel confident in my coverage!"
"Megan Duchane was beyond helpful in helping us get the right coverage for our new home. She answered all questions quickly and thoroughly. I plan to use this agency for all my insurance needs."
"David, We haven't met, but I am a relatively new client of Lott & Gaylor. We were referred to you by Randy at Aubuchon Builders last year. We needed insurance on a building lot that we purchased. Shortly after that we purchased renters insurance for the year it took to build the house. Last week we moved into our new home and have home insurance with you guys. This week I purchased a new boat-yes, you guessed it, we purchased a policy through you for the boat. For every need and transaction Megan Duchene was there to help us. From getting quotes to outlining the items we needed for each policy and ultimately binding coverage for us. Ms. Duchene is extremely thorough, professional and efficient. I am sure I am not telling you anything you have not heard before but she is a pleasure to work with and represents your Company very well. We will not hesitate to recommend Megan and Lott & Gaylor to anyone looking for a first-class local insurance agency. Best regards, NW"
"Meghan from Lott & Gaylor was very responsive to my needs and turned around my request immediately! Pleasure to work with...."
"Very professional, knowledgeable and polite. Also very responsive"
"Megan is a great agent. She keeps me well informed. Always responds back in a timely manner!"
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Personal Lines insurance professionals
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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 Inc
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 & Annuities coverage
- Life
Recommended insurance company partners
Other companies we work with:
American Integrity Insurance, Cabrillo Coastal, Citizens, Cypress Insurance Group, Edison Insurance, GEICO, 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 Inc Team
Lott & Gaylor Inc Reviews
Customer Reviews
I contacted Megan about my property and auto insurance I had with another company. She was friendly, professional and explained everything to me, she saved me money. Needless to say I have changed to Lott & Gaylord for all my insurance needs.
Very professional and friendly. Answered all my questions quickly and completely. Great rates!
Megan Duchene has been a pleasure to deal with for my insurance needs. I set up insurance over the phone for a property 1400 miles away, she made it very easy, with great communication. I would recommend her for anyone looking for insurance in Florida.
I just wanted to send a review concerning Megan Duchene, she has got to be the most enjoyable person to work with. She has always been very informative and has gone above and beyond each and every time we have communicated together. Donna and Ghazi Allan
David Maxwell so was kind and helpful. In our first 5 minute conversation, he helped outline the insurance I needed, but had never understood before. He is easy to talk to, well informed, and responded same day to all of my communications. I would highly recommend Lott & Gaylor Insurance to ALL of my friends, family, and work associates. Thank you for helping me feel confident in my coverage!
Megan Duchane was beyond helpful in helping us get the right coverage for our new home. She answered all questions quickly and thoroughly. I plan to use this agency for all my insurance needs.
David, We haven't met, but I am a relatively new client of Lott & Gaylor. We were referred to you by Randy at Aubuchon Builders last year. We needed insurance on a building lot that we purchased. Shortly after that we purchased renters insurance for the year it took to build the house. Last week we moved into our new home and have home insurance with you guys. This week I purchased a new boat-yes, you guessed it, we purchased a policy through you for the boat. For every need and transaction Megan Duchene was there to help us. From getting quotes to outlining the items we needed for each policy and ultimately binding coverage for us. Ms. Duchene is extremely thorough, professional and efficient. I am sure I am not telling you anything you have not heard before but she is a pleasure to work with and represents your Company very well. We will not hesitate to recommend Megan and Lott & Gaylor to anyone looking for a first-class local insurance agency. Best regards, NW
Meghan from Lott & Gaylor was very responsive to my needs and turned around my request immediately! Pleasure to work with....
Very professional, knowledgeable and polite. Also very responsive
Megan is a great agent. She keeps me well informed. Always responds back in a timely manner!
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.
