What is rent guarantee insurance?

Rent guarantee insurance protects landlords against lost rental income when tenants stop paying rent. It typically covers monthly rent payments for a specified period and includes legal expenses for eviction proceedings. Husmus Rent Shield covers up to 12 months of unpaid rent with claims paid in as little as 7 days.

Can I rent without a guarantor?

Yes. Husmus Tenant Shield acts as a guarantor replacement. Instead of requiring a family member or friend to guarantee your rent, Tenant Shield provides landlords with rent protection and damage cover, removing the need for a personal guarantor. This is particularly helpful for tenants who are new to the UK, self-employed, or without family who can act as guarantors.

What is a deposit replacement scheme?

A deposit replacement scheme lets tenants pay a smaller monthly fee instead of a large upfront cash deposit. Husmus Tenant Shield provides landlords with more protection than a traditional deposit, covering up to 8 weeks of rent and £5,000 in damages.

Does Husmus cover self-employed tenants?

Yes. Husmus uses AI-powered assessment that analyses open banking data and behavioural patterns rather than relying solely on traditional credit scores. This means self-employed tenants, gig economy workers, and those with non-standard income can qualify for coverage.

Does Husmus cover tenants on housing benefits?

Yes. Unlike many traditional insurers, Husmus does not automatically exclude tenants receiving housing benefits. Our AI assessment evaluates each tenant individually based on their full financial picture.

Financial security with Husmus smart insurance

Get complete coverage for every rental situation. Husmus offers tailored insurance solutions that give you and your tenants peace of mind.

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Protect. Relax. Repeat

Comprehensive insurance for every rental scenario

We know you have better things to do. That’s why our suite of landlord products really give you a royal experience. Our insurance solutions cover everything from deposit-free renting to guaranteeing your rental income and protecting your asset. With Husmus, you’ll enjoy tailored coverage that keeps your investments safe, ensuring peace of mind for you and your tenants.

£6,500

Average claim for property damage from landlords

22 weeks

Average time taken to evict tenants in the UK

3 minutes

Average active time it takes to get Husmus protection

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from £105

Say goodbye to deposit admin and hello to happier tenants.

We provide more than double the protection for a fraction of the cost.

tenant Guarantee

More Interest, Fewer Hassles

Rent protection - 8 weeks of rent protection. If your tenant’s cannot pay, we will.
Damage protection - If there are any damages, we will pay for it. Up to £5K.
In tenancy payments - No need to wait for tenants to move out to get reimbursed
Save money - Your tenant’s don’t need to go without their cash
Predictable cashflow - Don’t risk your revenue, get paid even when things go off track

Rent Guarantee Insurance

Because it feels nice to know exactly what your income and expenses are

Unpaid rent - Up to £2,500 per month for up to 12 months, no deductible
Legals - To recover money owed for unpaid rent or physical damage from named tenants
Defense - If you are prosecuted in criminal court as a result of your landlording duties
Hotel expenses - To regain possession of your rental home in order to live in it
Legal advice - To answer any questions you may have about your rental home

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£215 (ex VAT)

Per rental home

Rent guarantee is a type of landlord insurance that protects against income loss. It comes into effect if your tenant stops paying rent for whatever reason and includes the cost of legal representation to make yourself whole again.

from £140

Per rental home

Protect your building and its contents from the unexpected. Whether it’s accidental damage, fire, or a natural disaster, our comprehensive coverage ensures your property is secure—and your investment is protected.

Landlord Building & Content

Protection for your future, keep your investment safe from the unexpected

Buildings - To rebuild or repair your building following flood, fire, etc
Loss of rent - In case your rental home becomes uninhabitable
Leaks - To find and repair leaks
Malicious damage & theft - If your tenants really misbehave
Damages - Removing infestations, replacing locks & keys, fixtures & fittings
Owners&asbp liability - In case someone or their property is hurt/damaged
Utility damage - Any accidental damage to pipes, electric or telephone cables

Why not try one of our suite of offers to keep your rental experience effortless. Ready to get started?

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Protect. Relax. Repeat

Comprehensive insurance for every rental scenario