Frequently Asked Questions

Husmus is a service designed to help UK-based tenants and landlords rent homes without unnecessary financial burdens. Our technology highlights the best tenants and offers them the opportunity to rent homes deposit-free. Giving landlords more than double the protection of regular cash deposits and saving tenants the upfront costs. Landlord can also upgrade their cover to include a full 12 month rent guarantee as well as building and content cover.

Yes, you will need to create an account. Doing this will give you access to all our services.

Simply log in, click on your icon at the bottom left of the navigation screen and click delete account.

Please remember that deleting your account is permanent. You can't reactivate it or recover any data. You'll need to set up a new account if you want to use Husmus again.

Husmus is not a listing site. By getting assessed by us, you can make one-click applications our partner listing sites. That way you stand out from the crowd of other applicants.

Open Banking allows you to securely share your financial information with trusted services, like Husmus, so we can better understand your financial situation. It gives you more control over your data and can streamline processes like tenant assessments, making everything quicker and easier for both you and your landlord.

We use Open Banking to securely and quickly access your financial information so we can assess your application more accurately. This helps us understand your financial situation in real-time, beyond just credit scores, ensuring a fairer and more personalized assessment. It also speeds up the process, reducing paperwork and allowing us to make faster decisions—all while keeping your data private and secure.

If you don't have online banking, unfortunately, we won't be able to cover you at the moment. We need you to connect with your bank in order to complete your application.

Never. Your financial information is private, and we keep it that way. We only use your data to assess your application, and your landlord never sees your bank statements.

Yes. When tenant purchase it, we put this information on their profiles to landlords know you have extra protections in place.

Yes. You can simply request an assessment of a tenant you already have in mind.

No.

You advertise your home as normal and simply share our assessment link with any interested tenants.

If you are advertising with some of our partners, tenants will be able to advertise directly from their website.

When you request an assessment we'll provide you a link to share with prospective tenants. So you advertise as normal and we'll do all your referencing. Our system is designed to reference up to 20 tenants to provide you with at least three who pass.

It is faster and more effortless.

When you request an assessment we'll provide you a link to share with prospective tenants. So you advertise as normal and we'll do all your referencing.

Additionally we'll share the link to your advert (if you provide it) with the tenants already assessed on our platform. If they are interested they'll reach out to you via our platform.

This is likely because they have not passed, we only show you tenants who have passed their assessment.

No. Husmus verifies tenants’ identity and collect the information required for Right to Rent verification. It is up to you the landlord to check the government site for right to rent verification.

However, regulations require the landlord to verify ID face to face.

No. We believe that human guarantors are not necessary.

We recommend buying the Husmus Guarantor insurance instead. All tenants who pass our tenant assessments are eligible.

Additionally, any tenant or guarantor who has passed a traditional tenant and guarantor reference are also eligible. See our policy wording for the full criteria.

Absolutely, we are better suited for small agencies with their own websites.

Absolutely. We encourage you to do this so you can advertise their homes with the Husmus guarantee experience. You can use this cover to replace replace deposits and guarantors.

No. This ongoing payment ensures you're fully covered at all times during your tenancy.

We offer a number of products to protect landlords and tenants

• Tenant Guarantee which covers two months of rent and £5,000 in damages.

• Rent Guarantee Insurance which offers 12 months of rent protection

• Landlord Building and Contents

Making a claim doesn’t need to be stressful, simply login and navigate to the My Cover page and then click on ‘Make a Claim’.

Our top priority is making housing and finance easier to access. We understand that sometimes things go wrong, and when they do, we aim to fix them as soon as possible.

Contacting us If you have an issue, you can reach out to us at any time:

• Chat: Via the chat function on the Husmus website.

• Email: complaints@husmus.net

• Phone: If you would prefer to speak to someone verbally, simply message or email us to request a callback, and we will arrange a time to call you.

What happens next? When you raise a complaint, it goes to our Customer Care team who will do everything they can to help right away.

• Within 3 working days: We aim to resolve most issues within three working days. If we do, we will send you a brief message confirming the matter is resolved.

• If we need more time: If your complaint is complex, we will send you an acknowledgement email within 4 days. We will thoroughly investigate the issue and keep you updated on our progress every 14 days.

• If your complaint is about a partner: If your complaint is specifically about the underlying insurer (for example, a decision on a claim), we will forward your complaint directly to them within 3 days and let you know we have done so.

The Financial Conduct Authority (FCA) gives us up to eight weeks to issue a Final Response to your complaint, though we always aim to be much faster.

The Financial Ombudsman Service If you are unhappy with our final response to your complaint, or if we aren’t able to resolve it within eight weeks, you have the right to refer your complaint to the Financial Ombudsman Service (FOS).

This is a free and independent service that resolves disputes between customers and financial services businesses. You must contact them within six months of the date of our final response letter.

You can read their explanatory leaflet here: https://www.financial-ombudsman.org.uk/businesses/resolving-complaint/ordering-leaflet/leaflet

You can contact them using the information below:

• Website: www.financial-ombudsman.org.uk

• Email: complaint.info@financial-ombudsman.org.uk

• Telephone: 0800 023 4567 or 0300 123 9123

• Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

You can make payments using your debit or credit card. Our system is designed to make transactions simple and convenient for you, so paying is always hassle-free.

Yes, you can.

If you have purchased the Husmus Tenant Guarantee, this might be a breach of your tenancy agreement.

To cancel, just log into your account, go to your cover list, and click the “Cancel” button. It's quick and easy to manage your services.

You can cancel your annual policies within 14 days.

Never. Your trust is important to us, and we never sell or share your personal data with third parties for profit.

We take your privacy seriously. Sensitive information, like financial data, is deleted once we've processed it to ensure your details are safe and secure at all times.

We will generally keep the data associated with your user account for as long as you have a Husmus account. This does not include banking transactions which is deleted within 24 hours.

If you close your account, we will erase your personal data as described in our Privacy Policy.

Certain data that is required by law may keep for longer. For example, we are required by law to retain certain data related to premium payment transactions for several years. Or, we may retain some data for fraud detection or safety reasons.