Overview
Husmus is a rental property insurance MGA operating in the United Kingdom, offering coverage products for residential landlords and tenants through a technology-driven platform. The company focuses on rent guarantee, landlord insurance, and tenant vetting services, positioning AI-based risk assessment at the center of its underwriting process.
The MGA operates as an appointed representative of Xact Risk Solutions Limited (FCA reference 953270), which provides the regulatory umbrella and insurance capacity underwritten at Lloyds of London. Husmus Ltd is registered at Companies House under number 11517165. The company uses behavioral assessment algorithms and machine learning models to evaluate tenant risk profiles, aiming to extend coverage eligibility to renters excluded by traditional credit-based screening methods.
Husmus distributes products directly to landlords and tenants via its web platform, targeting small portfolio landlords and property management companies in the UK residential rental market. The company has participated in the Tech Nation Fintech 5.0 and Libra 2.0 programmes and received grant funding from Google for Startups and Innovate UK to support its financial inclusion focus.
Products & Services
Tenant Shield
Deposit-replacement insurance product that provides landlords with protection against rent arrears and property damage, while tenants avoid upfront cash deposits. Pricing starts from GBP 9/month.
Key Features
- Protection against rental income loss for landlords
- Replaces traditional deposit and personal guarantor requirements
- Property damage coverage for landlord
Target Users: UK residential tenants and their landlords
Distribution: Direct via web platform
Rent Shield
Rent protection insurance combined with legal support for tenants facing financial hardship. Pricing starts from GBP 12/month.
Key Features
- Income protection for tenants in case of unexpected financial difficulty
- Rental income security for landlords
- Built-in legal support services
Target Users: UK residential tenants
Distribution: Direct via web platform
Landlord Insurance
Property and contents coverage designed for UK rental properties, priced from GBP 10/month. Optional add-ons available for boiler cover and emergency home repair services.
Key Features
- Property and contents coverage for rental units
- Optional boiler cover
- Emergency home repair services add-on
Target Users: UK residential landlords
Distribution: Direct via web platform
Tenant Referencing
AI-powered tenant screening service using behavioral assessment and fraud detection algorithms. The system reports a 92% approval rate and claims a 50% improvement in tenant eligibility compared to traditional methods.
Key Features
- Behavioral assessment for tenant reliability
- Fraud detection algorithms
- Faster decision turnaround than legacy credit checks
Target Users: Landlords and property management companies
Distribution: Direct via web platform