Rent Shield Essential
Basics covered.
from£160/yr
- 12 months up to £36,000 per year full rent protection
- Complete legal cover
- Zero excess
FCA regulated · Backed by major insurers
Rent protection that pays in days, not months.
Guarantee your rental income and cover the legal costs if things go wrong — claims verified by AI and settled in as little as 7 days.
- From £157/year
- Up to 12 months' rent covered
Find out your price today
Tell us your monthly rent and see your cover in seconds. No account needed.
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Choose your protection
Cover that flexes to your risk
Three tiers of Rent Shield. Start with the basics or go all-in.
Rent Shield Plus
Most popularOur most popular choice.
from£220/yr
- Everything in Essential
- £5,000 damages cover
- Unlimited damage claims
Rent Shield Premium
Ultimate guarantor level protection.
from£340/yr
- Everything in Plus
- Resolve minor issues without evicting
- 2-months hardship cover for tenants
Rent guarantee
As easy as one, two, three
01Give us the address
Answer 4 quick questions for a personalized quote in just 10 seconds.
02Customise your cover
Choose the plan that's right for you. No jargon, no hidden fees.
03Get covered instantly
Confirm your details and receive your policy documents in under 2 minutes.
How it works
Set up protection in minutes
A few taps from quote to covered. Perfectly integrated with our tenant assessments.
Step 01
Decide who pays
Cover it yourself, split it with your tenant, or let them handle it all. Sharing the cost can save you up to 50% — and your tenant gets premium protection too.
- Three ways to split the cost
- Set up before the tenant is even notified
9:41
322 Buckingham Palace, London, SW1A
Before we notify Sophie Bennett, let's set up protection for your rental income.
Protection plan
How would you like to protect your rental income?
I'll cover it
Choose your level of protection and pay directly.
Share with my tenantSave up to 50%
You pay to protect you, your tenant pays for themselves.
I don't need protection
Share the cost — tenants can cover their own protection
Step 02
Pick your tier
Choose how much cover you want — the more you have, the less risk you carry. Then let your tenant make decisions guided by your choices.
- Essential, Plus and Premium tiers
- Replace human guarantors with insurance
9:41
Choose your level of protection. The more cover you have, the less risk you carry.
Select your tier
Essential
£160/yr
Plus
£220/yr
Premium
£340/yr
Deposit arrangement
Should your tenant be able to use cover instead of a traditional deposit?
Tenant Shield Deposit
Deposit replacement — covers up to 8 weeks' rent and £5,000 in damages, backed by insurance.
My tenant can use this instead of a deposit
Swap the deposit for insurance-backed cover
Step 03
Confirm and you're covered
One clear summary — who's covered, who pays what, and when it starts. Confirm, and your rental income is protected from day one.
Get a quote9:41
Protection plan
322 Buckingham Palace, London, SW1A
- Tenant
- Sophie Bennett
- Who pays
- Shared
- Rent Shield tier
- Plus
- You pay
- £14/month
- Tenant pays
- £9/month
Confirm
You and your tenant each see your own share
Why we're different
Old insurance is slow, unfair and broken
Slow claims
Months of back-and-forth while your income disappears.
Forced evictions
Policies that push you to evict good tenants over small issues.
Complex policies
Fine print and exclusions that leave you unsure what's covered.
Time to get paid10× faster
Traditional insurer6–8 weeks
Husmus7 days
Verified & settled fast
AI checks, human sign-off, money in days.
Claims
How we pay claims in 7 days
- 01
Submit your claim
A few details online — no forms to print or post.
- 02
AI verification
We check the facts against real data in minutes.
- 03
Human review
A real person signs it off — fairly, and on your side.
- 04
Get reimbursed
Money in your account in as little as 7 days.
The basics
Rent protection insurance, explained
Rent protection insurance (also called rent guarantee insurance) pays your rental income to you if your tenant stops paying rent. Instead of chasing arrears or absorbing months of lost income, you keep getting paid while Husmus handles the claim. It's built for UK landlords who want certainty over their cash flow.
What happens if a tenant stops paying rent?
If your tenant falls into rent arrears, you submit a claim online. Husmus verifies it with AI, a real person signs it off, and your rent is reimbursed in as little as 7 days — for up to 12 months (14 months on Rent Shield Premium). You're covered for the rent you're owed without waiting for a court outcome first.
Does it cover legal and eviction costs?
Yes. Every tier includes legal expenses cover for possession proceedings, so the cost of recovering your property is covered too. On Rent Shield Premium you can resolve minor issues without going straight to eviction, and tenants going through genuine hardship get a debt-free period while Husmus pays the rent.
Is rent guarantee insurance worth it?
For most landlords, one month of unpaid rent costs more than a year of cover — which starts from £157/year. Beyond the money, you remove the stress of arrears, legal action and void periods. Sharing the cost with your tenant can cut your premium by up to 50%, and tenants who pass a Husmus assessment unlock the best rates.
FAQ
Questions, answered
What is rent protection insurance?
Rent protection insurance, also known as rent guarantee insurance, pays your rental income to you if your tenant stops paying rent. It covers up to 12 months' rent (14 on Premium) plus the legal costs of recovering your property, so your cash flow is protected even during arrears or eviction.
What happens if my tenant stops paying rent?
You submit a claim online. Husmus verifies it with AI, a human signs it off, and your rent is reimbursed in as little as 7 days — for up to 12 months. Legal expenses cover for possession proceedings is included, so you're not left chasing arrears or paying to recover your property yourself.
Does rent protection cover legal and eviction costs?
Yes. Every Rent Shield tier includes complete legal cover for possession proceedings, so the cost of recovering your property is covered. Rent Shield Premium also lets you resolve minor issues without forcing an eviction.
Do I have to use the Husmus assessment?
No — but tenants who pass our assessment unlock the best rates, because we already know the tenant is a good one. You can still take cover on an assessed tenancy either way.
Can I insure an existing tenancy?
Yes. As long as the rent is up to date, you can add Rent Shield to a tenancy that's already running — useful if circumstances change part-way through. We've also helped landlords assess tenants in existing tenancies so that they qualify. Just reach out to let us know.
Is Rent Shield Premium really a guarantor?
Yes! With this cover, you get guarantor level protections. It covers up to 14 months of rent and £5,000 of damages, backed by insurance — so you're protected without needing a human guarantor. Rent will be paid if your tenants don't. If they are going through hardship they will get a debt-free period while we pay the rent without requiring reimbursement.
What does "shared" cover mean?
You pay to protect your income, your tenant pays for the hardship cover to protect themselves. Together you get premium-level protection, and sharing the cost can cut your bill by up to 50%.
How fast are claims actually paid?
Most valid claims are verified by AI, signed off by a human, and reimbursed within 7 days — not the months traditional insurers take. Landlords who use our rent collection benefit from proactive claims.
How does "unlimited claims" on Rent Shield Premium work?
If you are a Rent Shield Premium customer, you and your tenants can claim for two-month hardship rent cover as many times as you need to during a 12 month period. It is revolutionary compared to traditional guarantors or policies that force eviction immediately.
Protect your rent in minutes
Get a quote, pick your cover, and you're protected from day one — from £157/year.
Get a quote