Mega Yacht Insurance

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Luxury This Big Needs Serious Coverage

Mega yacht insurance protects large luxury vessels with high value, crew exposure, and complex risk.

Coverage applies to the yacht, liability, onboard assets, and operations on open water.

Regular yacht policies may not provide enough protection for vessels of this size and value.

Coverage Built for Luxury Mega Yachts

Mega yachts operate differently from smaller boats. Insurance must reflect that.

This type of coverage helps:

  • Protect high-value hulls
  • Cover crew and guest exposure
  • Reduce loss from major repairs
  • Support long-range cruising

Policies are structured around how the yacht is owned and used.

Mega Yacht Insurance Coverage Options

Coverage options scale with vessel size and risk.

  • Agreed Value
  • Replacement Cost
  • Actual Cash Value
  • Hull values from $50,000 to $100,000,000
  • Limits from $100,000 to $10,000,000
  • Guest injury and property damage protection
  • Vessel speeds up to 180 MPH
  • Single, twin, triple, and quad engine setups
  • Crew liability
  • Tender and dinghy coverage
  • Personal effects and fishing gear
  • Underwater machinery damage
  • Named windstorm and hurricane coverage
  • Medical payments and uninsured boater

Each option helps protect both the vessel and those on board.

Coverage for Cruising Outside U.S. Waters

Mega yachts often travel beyond standard navigation limits.

Coverage may extend to:

  • Caribbean waters
  • South and Central America
  • Mediterranean routes
  • Transatlantic voyages
  • Panama Canal transits and deliveries

Optional protection may include:

  • Cargo and onboard shipping coverage
  • Bluewater and extended navigation cruising

Navigation approval depends on experience and vessel profile.

Protect Your Boat. Enjoy the Water.

Many owners qualify for premium reductions.

Common discounts include:

  • Approved boating safety courses
  • GPS tracking systems
  • Automatic fire suppression systems
  • Clean driving records
  • No claims in the past three years
  • Prior boating experience
  • Yachts five years old or newer
  • Winter lay-up or storage
  • Fresh water use only

Discounts help control costs without reducing coverage.

Large yachts involve higher exposure.

Coverage must account for:

  • Crew employment risk
  • Guest liability
  • Expensive parts and repairs
  • Offshore navigation

The wrong policy can leave major gaps

Pricing depends on real details, not estimates.

A proper quote:

  • Yacht value
  • Crew size
  • Navigation area
  • Engine configuration
  • Claims history

Comparing options helps align cost and protection.

Protect Your Mega Yacht With the Right Coverage

Mega yacht insurance protects your investment, crew, and time on the water. The right policy supports safe operation and long-range cruising.

Get your personalized mega yacht insurance quote today.

Speak with our insurance agents and secure coverage built for luxury yachts.

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We are your Boat & Yacht Insurance Experts. If you are looking for a free, non-obligation insurance quote, contact us today.

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