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Premium Point is a guard-gated private community in the city of New Rochelle in Westchester County, New York, United States. The area consists of a series small islands connected by bridges to a peninsular fronting on Long Island Sound and backing on Premium Mill Pond and Echo Bay. Much of the shore line of Premium Point is high and rocky, both on the Sound and on the Bay. Premium Mill Pond is located between the Premium Point peninsula and the mainland. It is fed by the Premium River and is separated from Echo Bay by the former Premium Mill dam.
The only vehicular access to Premium Point is through a guardhouse and wrought iron gates at the end of the half-mile long entrance, Premium Point Road. The community is organized into a small corporation and run by a board of trustees. All property owners are members and stockholders in the Premium Point Association, Inc. The board dictates much about life behind the gates, from road repairs to security. The Association levies an annual tax for the purpose of maintaining 24-hour police guards at the entrance; constructing and maintaining all the roadways, which are private; collecting refuse; maintaining two docks located on the peninsula; and cleaning septic tanks, as the area has no public sanitary sewers. In addition, the Association provides a private beach for the residents.

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