The Boating Capital
of the World
Florida's unique coastline -- from the high-speed corridors of the Atlantic to the serene shallows of the Gulf -- demands more than a standard policy.
At Miami Premier Insurance, we provide specialized marine protection. Our coverage accounts for Florida's high-density traffic, year-round sun exposure, and the complex seasonal navigation requirements of the Caribbean basins.
Bespoke Marine Coverage
Hull Coverage: Agreed Value vs. ACV
Most insurers offer Actual Cash Value, which depreciates daily. We specialize in Agreed Value Policies, ensuring that in the event of a total loss, you receive the full insured amount without depreciation. Ideal for luxury yachts and custom sportfishers.
- check_circle New-for-old parts replacement
- check_circle Specialized marine salvage coverage
Liability & Marina Indemnity
Comprehensive protection for third-party property damage and bodily injury, exceeding the requirements of Florida's most exclusive marinas.
Personal Effects
Coverage for high-end fishing gear, scuba equipment, and luxury onboard electronics.
Uninsured Boater
Florida's waters are busy. We protect you from operators who carry insufficient or no coverage.
Towing & Assistance
On-water assistance and emergency towing throughout the Florida coast and the Bahamas.
Boundless Horizons,
Defined Limits.
Our policies are architected for the Florida navigator. We provide standard coverage for:
Atlantic Coast
Full coastal coverage from Jacksonville to Key West
The Bahamas
Seasonal and year-round endorsements available
Gulf of Mexico
Extended coverage for Gulf coast navigation
Lay-up Clauses
Reduced premiums during off-season storage
Named Storm Protection
In Florida, hurricane preparedness isn't an option; it's a necessity. We offer specialized Hurricane Preparation Reimbursement for vessel haul-outs and professional storm-mooring. Our named-storm lay-up clauses reward proactive owners with significantly reduced premiums during the off-season.
The Path to Protection
Experience a streamlined approach to insurance.
Provide Details
Submit your vessel specifications and navigational experience online.
Custom Analysis
Our underwriters craft a policy matching your specific nautical footprint.
Instant Activation
Bind your coverage instantly and receive digital binders for your marina.
Navigational Clarity
Does my policy cover travel to the Bahamas?expand_more
Yes, we offer seasonal or year-round Bahamas endorsements. Specific navigation limits typically include the Abacos, Bimini, and Grand Bahama, provided the vessel meets specific safety criteria.
What are the hurricane protection requirements?expand_more
During hurricane season (June 1 - Nov 30), policies may require a "Hurricane Plan" on file, detailing where the vessel will be stored and how it will be secured during a tropical storm watch.
Is marina liability insurance included?expand_more
Our standard marine package includes comprehensive liability that satisfies the requirements of private and municipal marinas throughout Florida, including fuel spill and wreckage removal.