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…

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:
It’s important that you review your policy annually with your Lott & Gaylor representative to ensure that your possessions are adequately protected.
Personal Liability & Umbrella Protection
Condo Liability features typically include:
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:


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:
Request a Quote
"*" indicates required fields