Yacht Insurance Cost & How to Get the Best Quote in Florida
July 26, 2025
Owning a yacht in Florida is a dream come true, offering access to pristine waters, endless adventures, and the ultimate
Private Client & Luxury Yacht Insurance
Tailored Protection for Your Luxury Lifestyle
For owners of the world’s most exquisite vessels, ordinary insurance simply won’t suffice. At Casey Insurance Companies, we specialize in private client insurance designed exclusively for high net worth individuals seeking unparalleled protection for their luxury yacht insurance, super yacht insurance, and mega yacht insurance assets. We understand that your yacht is more than just a boat; it’s a significant investment, a statement of lifestyle, and often a cherished legacy. Our bespoke solutions are crafted with the discretion and comprehensive coverage you demand.
Why Private Clients Choose Casey Insurance
Our private client yacht insurance isn’t just about policies, it’s about protecting a lifestyle. We work with high net worth individuals who expect top-tier service, confidentiality, and risk management.
Hull & Machinery Coverage
Protection for yacht’s structure, engines, and onboard systems.
Personal Liability Protection
Safeguarding you against third-party claims.
Agreed Value Policies
Guaranteed payout in case of a total loss, with no depreciation.
Worldwide Navigation
Coverage that follows you anywhere in the world.
Secure Your Legacy: Get a Private Client Yacht Insurance Quote Today
Let our expert private client insurance advisors craft a bespoke policy that ensures your peace of mind on every voyage.
Our Private Client & Luxury Yacht Insurance is designed for
Owners of high-value motor yachts & superyachts
Sailing yacht enthusiasts
Collectors of classic and custom-built vessels
High-net-worth individuals requiring bespoke coverage
Specialized Super Yacht & Mega Yacht Insurance
The unique scale and sophistication of super yacht insurance and mega yacht insurance demand an even more specialized approach. These vessels represent extraordinary investments and come with distinct operational and liability considerations. Our policies for these premier vessels include:
Custom builds & restoration
Marina liabilities
Tender boats & jet skis
Submersibles or onboard luxury toys
High-value refurbishments or technology upgrades
Key Features of Our Luxury Yacht Insurance
Our exclusive yacht insurance delivers tailored protection, competitive premiums, and comprehensive coverage including hull, liability, and personal effects. With customizable plans, expert marine advisors, and swift claims handling, we safeguard your luxury lifestyle on the water.
Seamless Policy Setup
Our streamlined process guarantees quick, hassle-free policy issuance.
Dedicated Marine Support
24/7 access to specialist yacht claims handlers and emergency assistance.
Why We Are the Best Insurance Companies for High Net Worth Individuals
Casey Insurance Companies stands out as a leading choice among the best insurance companies for high net worth individuals because of our unwavering commitment to:
- Discreet & Personalized Service
- Deep Marine Expertise
- Market Access
- Proactive Risk Management
- Seamless Integration
FAQs
Private client insurance is a bespoke, comprehensive insurance solution designed for high net worth individuals with significant and unique assets, such as luxury yachts, multiple properties, or extensive collections. Unlike standard policies, it offers higher coverage limits, integrated protection across various assets, and highly personalized service to manage complex risks effectively.
The cost to insure a yacht, especially a luxury yacht, super yacht, or mega yacht, varies significantly. Generally, it can range from 1% to 5% of the yacht's value annually, but this depends on factors like the yacht's size, age, value, cruising area, owner's experience, chosen yacht insurance coverage limits, and the inclusion of specialized features like agreed value coverage.
Yes, if you’re sailing in international waters, you’ll need a yacht insurance policy that includes worldwide navigation coverage. At Casey Insurance, we specialize in providing coverage across regions like the Caribbean, Mediterranean, and the Pacific, including global ports and marinas.
While houseboat insurance is generally distinct, larger, higher-value houseboats designed for extended cruising or with unique features may qualify for specialized luxury yacht insurance or private client insurance policies. These policies offer broader coverage than standard homeowner's policies for these specific types of houseboats, depending on their construction and intended use.
Absolutely. Many clients opt for bundled private client insurance, combining yacht insurance with coverage for luxury homes, fine art, classic cars, and secondary residences. This integrated approach ensures better risk management and can offer cost efficiencies.
Trusted Insurance Providers for Luxury Yachts
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