1. Royal Loft, Royal Caribbean
On the Oasis of the Seas and the Allure of the Seas, these hip, two-story lofts are larger than many city apartments (1,524 and 1,599 square feet, respectively) and serve up ocean views from massive two-deck-high windows. Out on the large wraparound balcony, you can turn to mush in your own private whirlpool while watching the sea. Other nice touches include a personal welcome by a senior officer, a VIP pool and theater seating, and access to the concierge lounge. Sample price: $2,949 per person for a week in the Caribbean.
2. Sandringham, Cunard
Feel like royalty in the Sandringham suite, a 2,249-square-foot grand duplex fit for a king (real royals have stayed here) on the Queen Mary 2. A sweeping, curved staircase and a domed ceiling are among the art deco highlights, and the oversize balcony has its own lounge area. A stay in this suite entitles you, along with other top-tier guests, to dine in the fancy Queens Grill, or you can order up room service. Other niceties include an Xbox game console and complimentary in-room bar. Sample price: $23,487 per person for a weeklong transatlantic cruise.
3. Haven Garden Villa, Norwegian Cruise Line
This three-bedroom oasis on the Norwegian Pearl is the largest accommodation at sea and bigger than many houses — a whopping 5,000 square feet. The jazzy, modern decor includes a two-deck balcony with a big hot tub and an en suite steam room. You also have access to a private pool and sundeck and to a restaurant reserved for VIP guests. Fun features include a Bose entertainment center, complete with a CD-DVD library, and a wet bar. Sample price: $20,000 (for up to eight guests) for a weeklong Caribbean sailing.