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Homeowners & Condo Unit Owners

Since the devastating impact of Hurricane Andrew in 1992, the homeowners insurance market in South Florida has been a challenging environment. Many insurance companies have left the state or refused to entertain any new business in the area. Lutgert Insurance is proud to be one of the few agencies that has not only retained access to homeowners insurance solutions, but has actually increased the number and quality of carriers available to its clients. Anyone moving to South Florida or buying a new home here can appreciate the importance of Lutgert Insurance’s representation of the following fine companies:

  • AIG Private Client Services
  • Fireman’s Fund
  • PURE
  • The Chubb Group
  • Tower Hill


Coverage for Scheduled Personal Property such as jewelry, fine arts, silver, china or collections is also available. Separate coverages for hazards such as floods and windstorms may also be required.

Lutgert Insurance is also proud to represent the National Flood Insurance Program and the Citizen’s Property Insurance Company.

Lutgert Insurance is committed to providing professionalism and the finest customer service for any and all insurance needs. Our corporation employs over 85 people with the corporate headquarters in Naples and offices in Ave Maria, Fort Myers, Marco Island, Sarasota and Tampa.