Your home is your castle, let’s make sure it’s protected – affordably!
Have you ever asked 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?
Many people never read or attempt to understand their insurance policy until after disaster strikes. Working with an agency that will help you understand your risk and make recommendations is crucial, and with rising rates and dwindling availability it’s more important than ever. more importantly, when you’re facing a crisis, you’ll feel less pressure knowing your representative took the time to make sure you have the right protection and that you insurance carrier has your back.
Finding the right Fort Myers or Cape Coral insurance agent that will work with you and help shop for affordable home insurance with the proper coverages can be a daunting task. Lott & Gaylor’s home and insurance products offer our customers protection for their dwellings and personal possessions, along with personal liability coverages.
Call us today and let us put our knowledge of the current insurance marketplace to work for you. Whether you’re searching for broader insurance coverages, verifying that you’re getting the best value for your “insurance dollar” with great companies or you’re looking for better service for your personal insurance needs – we can develop a affordable solution for you and your family.
We 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 the most affordable home insurance in Southwest Florida and around the state.
What our clients are saying…
How does Homeowners Insurance Protect You?
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 or dwelling policy will pay to replace 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. 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.
The cost of the home and liability coverages are 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 (special form) policy works the opposite way – unless a peril is specifically excluded, coverage is provided. The special form policy is broader and the burden of proof is on the carrier not you in the event of a loss.
You could also potentially need insurance to protect you from having to pay for:
Did you know?
Why We’re Different
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.
After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal property.
Contact us today, and we’ll help you protect what matters most.
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History of Fort Myers
In the early 1700s the Lee Island coastline first appeared with some accuracy in British maps. During the last half of the 1700s coastal areas of Lee County were a base of operations for bands of pirates raiding the cargo ships sailing to and from the port of New Orleans.
Florida became a US Territory in 1821, and the ensuing wave of settlers asked for protection from the native Seminoles. Fort Myers was built along the Caloosahatchee River as one of the first bases of operations during the Seminole Indian Wars. Fort Myers was named in honor of Colonel Abraham C. Myers, the son-in-law of the commander of Fort Brooke in Tampa.
The fort was abandoned in 1858 and reoccupied by Federal troops from 1863-1865. The Southernmost battle of the Civil War, a skirmish between Northern and Southern troops occurred across the river in 1865 and is reenacted annually at the North Fort Myers Cracker Festival.
The fort itself was disassembled, and some of the wood used in construction of some of the first buildings in what would become downtown Fort Myers. No more than ten families lived in the original town when it was platted in 1876.
Herds of cattle were driven past the old fort grounds to Punta Rassa where they were lifted onto schooners and steamers using block and tackle, and shipped to Cuba. Cattle, farming, and logging were early mainstays in the Fort Myers area. Tomatoes, avocados, and castor beans were cultivated on Sanibel Island. Many pineapple plantations flourished inland along the river as settlers began to move away from the fort area.
By 1885 Fort Myers was bursting with pride and a bulging population of 349, the second largest town on Florida’s Gulf Coast south of Cedar Key.
The opening of the Tamiami Trail (U.S. 41) linked Fort Myers to Tampa and Miami, adding more to the growth of the Big Boom in the 1920s. Growth radiated in all directions until the 1930s.
Two devastating hurricanes in 1921 & 1926, combined with poor publicity and inadequate planning brought a collapse in Florida’s boom time. Fort Myers suffered along with the rest of the nation during the Great Depression. Still, there was moderate progress as some of the more elegant buildings in Fort Myers were built during the 1930s.
Courtesy of Greater Fort Myers Chamber of Commerce
