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    Husmus is a trading name of Husmus Ltd who are authorised and regulated by the Financial Conduct Authority (reference number: 953270). Husmus is also an appointed representative (Firm Reference Number 463913) of Xact Risk Solutions Limited who is authorised and regulated by the Financial Conduct Authority (FCA), reference number 590914. We are also registered with the Information Commissioners Office in relation to the processing of personal information (registration number: ZA525898). Husmus Ltd is incorporated in England and Wales (company number: 11517165). Our registered address is 13 Freeland Park, Wareham Road, Lytchett Matravers, Poole, BH16 6FA.

    Rent protection, re-imagined

    Stop chasing payments and waiting weeks for claims. Our AI-powered insurance pays you promptly. It’s faster, fairer, and protects your income without creating debt for your tenants.
    Get a Quote
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    Old insurance is slow, unfair, and broken.

    For too long, landlords have had two bad options: corporate guarantors that trap tenants in debt, or traditional insurance with slow manual claims, and policies that force you to evict good tenants after one problem.

    Slow Claims

    Traditional insurers can take 2-6 weeks to pay. Can your cash flow wait that long?

    Forced Evictions

    Most policies require eviction after a claim, leaving you the costs and hassle of finding new tenants.

    The Guarantor Trap

    Corporate guarantors pay you, but then pursue your tenant for the debt, destroying the relationship and their financial future

    Choose your Protection

    All our plans are powered by AAA+ insurers and AI-assisted claims.

    Tenant Guarantee

    Our most flexible choice

    Best for landlords who want to protect income and avoid eviction hassle

    Covers 2 months' rent + £5k damages per incident
    Tenant stays in the property during the claim
    £0 excess - you get the full amount
    Unlimited claims throughout the tenancy
    Check your price

    From £9/month

    Rent Guarantee

    Our maximum security choice

    Best for landlords who want long-term cover for major events.

    12 months of full rent protection
    Complete legal cover for any landlord-tenant issue
    Simple, flat-rate annual price
    Low 1-month excess
    Check your price

    From £19/month

    Comprehensive Guarantee

    The ultimate safety net

    Use TGI for flexibility and have RGI as your final backstop.

    Includes everything from tenant and rent guarantee
    Handle minor issues without evicting
    Full 12-month cover if eviction is unavoidable
    Covers 2 months' rent + £5k damages per incident
    Check your price

    From £28/month

    Why our insurance actually pays out

    No loop holes, no games. Our tenants qualify for our insurance
    It’s the industry’s broken secret: when one company does the check and another provides the cover, they blame each other when something goes wrong. You’re left paying for two services that failed you.
    We closed that loophole, giving you complete security.

    £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

    Insurance Claims

    How we pay claims in 7 days

    Our process is simple, transparent, and built for speed.

    Submit Claim -Upload evidence in minutes via our app or web portal, 24/7.
    AI Verification -Our AI instantly cross-references policy details and claim validity.
    Human Review -Our experts provide quality assurance on all AI decisions.
    Get Reimbursed -You receive payment directly to your bank account in 7 days or less.
    Check your price

    The Husmus difference

    Now you can protect your income and preserve a great tenant relationship. Our Tenant Guarantee Insurance is built for this. It’s the ethical choice that pays you quickly while allowing your tenant to stay and recover during a tough time.

    Personal Guarantors

    Difficult to come by

    Strains personal relationships

    Guarantor may not be able to pay

    Corporate Guarantors

    Very expensive > 3 weeks rent

    Tenant is chased for debt

    Creates debt spirals in hard times

    Husmus Protection

    Tenant has no debt liability

    Relationships are preserved

    Tenant can stay and get back on track

    Check your price

    FAQs

    We know you must have some questions.

    Didn’t find what you need? Head over to our help centre