Yacht Insurance Fort Lauderdale 2026: Intracoastal, Marina Requirements & Hurricane Coverage

Fort Lauderdale has 50,000+ registered yachts and 300+ marinas — premiums run 20-40% above national average due to hurricane exposure. This guide breaks down costs by vessel size, marina liability requirements, named storm deductibles (2-10% of hull value), agreed value vs. ACV, charter and crew endorsements, and how to save 15-30% through wholesale market access