Jersey Home and Contents Insurance Specialist

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Jersey Mutual Insurance

The Sovereign Policy

Bespoke High-value-home Insurance for Jersey.

If you own expensive property, fine art, vintage wine or even inherit family heirlooms, you want to know that you are more than sufficiently covered. By taking out our high net worth insurance you are guaranteed of an increased level of cover and personal care. So, you can relax, reassured that if the worst were to happen you would be appropriately compensated.

High Value Home & Contents Insurance in Jersey

You don’t have to be in a high-profile occupation, rich or famous to benefit from the cover we provide with our Sovereign policy. A few family heirlooms or a collection of designer handbags can soon total a surprising amount. At Jersey Mutual, our high net worth insurance can safeguard your most treasured possessions against the risk of theft, damage or unforeseen acts, providing you with peace of mind.

So, rather than having to arrange numerous insurances for each individual belonging, why not place them under one policy with us?

Our Sovereign Home Insurance policy is a bespoke product, designed for high value homes and their contents in Jersey. Allowing you to cover your valuables, profile and lifestyle needs, our high net worth insurance includes:

  • Worldwide cover as standard – for theft, loss or damage to all your possessions when you take them away temporarily from home.
  • Specialist cover for high value items – including fine art, antiques and jewellery, as standard. There is no need to list individual jewellery or other valuables under £15,000 or Antiques or Works of Art under £25,000 in value.
  • New Acquisitions – items you have purchased within the last 60 days but have not yet informed us of – up to 25% of the Contents Sum Insured.
  • FREE* legal protection – provide expert legal advice and assistance up to £50,000 to help protect you and your family should difficulties arise.


View DAS Family Legal Protection Summary of Cover here

*Eligibility – The Policyholder title must be in the name of an individual or individuals

A personal touch and the finest of detail

As one of Jersey’s oldest insurance companies, we have an enviable reputation at Jersey Mutual for offering a superior service to our members. Operating with the upmost discretion, we can create policies that are specifically designed with high net worth individuals in mind.

Our High Value Sovereign Home Insurance policy offers innovation that is underpinned by real benefits. For example, the Society places a great deal of importance on its ability to provide a high level of privacy and confidentiality so when you join the Society, you can benefit from the option of a visit by one of our senior members of staff. The same person may also visit you again should you need to make a claim, ensuring it is resolved quickly.

We believe our friendly approach will be of assistance in both determining the level of high value home and contents insurance you require and dealing with claims should they arise.