Affluent
You’ve spent a lifetime acquiring assets. Protect what you’ve built. We understand what’s at stake. Your home, autos, boats, and collections are unique and not all policies are created equal.
Affluent+ Insurance for High-Net-Worth Families in Central Florida
Protect what you’ve built! You’ve spent a lifetime acquiring assets and we understand what’s at stake. Your home, autos, boats and collections are unique, and not all insurance policies are created equal.
Our goal is to help you select an insurance company that can protect what you’ve built. We partner with insurance companies that serve high net worth clients. They have the ability to insure large homes, luxury vehicles, watercraft, or valuable collections. Our insurance companies also have the capacity to write high umbrella limits. At O’Neil, Lee + West, we believe insurance should provide confidence, not complexity. With more than 100 years of service, we help affluent individuals and families protect what matters most with professionalism, responsiveness, and local insight.
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Protecting the Things that Matter Since 1917
For over 100 years, O’Neil, Lee & West has been a trusted choice for insurance in Orlando. We offer a variety of personal and commercial insurance coverage and work with you to make sure your coverage remains relevant to your needs.
Personal Umbrella
When accidents happen, a personal umbrella insurance policy can protect you by providing additional liability protection when your underlying policies have been exhausted. Protect what's personal important to you.
Homeowners Insurance
Your home is one of your most important investments, full of memories and belongings that are unique to you. Since we represent many insurance companies, we can help find you coverage for your home.
Auto Insurance
Determining the most suitable auto insurance policy can sometimes be complex. Our team works with multiple insurance companies to offer coverage at a competitive price, creating a safety net for the unexpected.
Yacht Insurance
When you’re on the water, you need to be protected. We work with insurance companies that will cover small boats, superyachts, and anything in between. Help protect you and your boat against liability in the event of an accident.
Affluent Insurance Coverage
You’ve spent a lifetime acquiring assets. Protect what you’ve built. At O’Neil, Lee + West, We understand what’s at stake and what it means to you. Your home, autos, boats, and collections are unique and not all policies are created equal
Professional Liability
The task of solving complex problems for your clients carries a huge risk: allegations of errors or omissions on your part or your employees. Professional liability insurance helps protect you in the event of claims due to negligence in the performance of your professional services.
Frequently Asked Questions
Affluent+ Insurance is a personal insurance solution designed for high-net-worth individuals and families who need broader protection than a standard policy usually provides. It can help cover high value homes, luxury vehicles, collections, watercraft, and higher personal liability exposures.
Families in Central Florida with custom homes, multiple residences, luxury cars, boats, jewelry, fine art, or significant assets should consider Affluent+ Insurance. It is especially valuable for households in areas such as Orlando, Winter Park, Windermere, Lake Nona, Dr. Phillips, and Winter Garden.
Standard homeowners insurance may not fully address the needs of a high value property or complex household. Affluent+ Insurance can offer broader protection, higher limits, more tailored options, and coverage features designed for custom homes, unique possessions, and greater liability needs.
Central Florida presents local risks that should be considered carefully, including hurricanes, severe storms, water damage, and high rebuilding costs. As a local agency, we’re your neighbor and experience all that Florida’s weather has to offer.
Yes. Many affluent families own a primary residence and one or more secondary homes. A insurance program can help coordinate coverage across multiple properties.
Yes. Affluent+ Insurance can help provide dedicated protection for jewelry, fine art, collectibles, and other valuable items that may not be adequately covered by a standard homeowners policy.
Yes. OL+W works with insurance companies that can help protect luxury vehicles, collector cars, boats, and yachts. This is important for Central Florida families who spend time on the road and on the water.
Personal umbrella coverage provides an added layer of liability protection above your underlying home and auto policies. For high-net-worth families, it can be an important part of protecting assets from large liability claims.
At a minimum, coverage should be reviewed once a year. It should also be reviewed after major home renovations, a property purchase, the acquisition of a valuable item, a new driver in the household, or other significant life changes.
O’Neil, Lee + West combines more than 100 years of service where we treat are clients like neighbors and not just a policy number.
