LearnThe lifecycle
Insurance
A tenancy involves two people trusting the same four walls. Insurance is how each of them stays whole when something goes wrong. Haven keeps both policies visible in one place, so nobody discovers a gap on the worst possible day.
Why cover matters for both sides of a tenancy
A home holds two kinds of value that belong to two different people. The building and its fixtures are the owner's. The furniture, electronics, and everyday belongings inside are the renter's. When a pipe bursts or a fire starts, both are exposed at once, and neither person's policy covers the other's loss.
This is where tenancies quietly go wrong. An owner assumes the renter is covered; a renter assumes the building policy protects their laptop. Neither is true. Cover only works when each side holds the policy meant for their side of the line, and knows it is active before anything happens.
Haven does not sell insurance and does not pretend a policy exists where none does. What it does is make the two policies legible: what each covers, who holds it, and whether it is current. When cover is missing, the app says so plainly rather than leaving a comfortable blank.
Contents and liability cover for renters
A renter's policy protects the things they own and the harm they might accidentally cause. Contents cover replaces belongings damaged or stolen: furniture, clothing, electronics, the ordinary substance of a life. Liability cover steps in when the renter is responsible for damage to the property or injury to someone else, for example a tap left running that floods the flat below.
These two pieces matter because the owner's insurance will not pay for them. If a renter's possessions are destroyed, the building policy is silent. If a renter causes damage, the owner's insurer may pay first and then pursue the renter for the cost. Liability cover is what stands between a bad afternoon and a bill that follows you for years.
Renters pay Haven nothing, and insurance is no exception: Haven does not add a fee or a markup to cover. Whether a renter brings an existing contents policy or arranges a new one, Haven's role is to record it and keep it in view, not to profit from it.
Building and landlord cover for owners
An owner's policy protects the asset and the income it generates. Buildings cover pays to repair or rebuild the structure itself after fire, flood, storm, or similar events, along with permanent fixtures like the kitchen and bathroom. This is the foundation, and in many cases a mortgage lender requires it.
Beyond the structure, owners often carry landlord-specific cover that a standard home policy does not include: liability as a property owner, loss of rent while a home is uninhabitable after an insured event, and sometimes cover for contents the owner provides in a furnished let. What is right depends on the property, the mortgage, and the lease, and it is a decision for the owner and their insurer to make.
Owners keep roughly 99% of rent on Haven; the platform takes about 1% of rent collected plus a small per-placement fee, and nothing on insurance. Recording a building policy in Haven is about continuity, not cost. When a maintenance issue turns into a claim, the policy details are already where the work is happening.
Adding or connecting a policy in Haven
Both renters and owners can attach a policy to a tenancy or a property from their app. You record the insurer, the policy number, what it covers, and the renewal date, and store the document itself alongside it. There is no separate portal to log into and no paperwork to email back and forth.
Once a policy is on file, Haven keeps the relevant party aware of what matters, most usefully the renewal date, so cover does not lapse unnoticed between one year and the next. The reminder is a fact surfaced at the right time, not a sales prompt.
Haven does not verify the terms of a policy or advise on whether it is adequate; that judgement belongs to you and your insurer. What Haven guarantees is that the record is accurate to what you entered, immutable in its history, and visible to the right people. A renter sees their own policy; an owner sees the building policy; neither sees the other's private details beyond what a tenancy genuinely requires.
Where insurance meets a maintenance claim
Insurance and maintenance are the same story told at two moments. A leak is reported as a maintenance issue; if the damage is serious enough, it becomes an insurance claim. Because both live in Haven, the handover between them does not require rebuilding the facts from scratch.
When a maintenance request is logged, it already carries what a claim needs: what happened, when, the photos, the messages, and the repair record. If the owner or renter decides to claim, the policy attached to the property or tenancy is right there, and the maintenance timeline becomes the evidence. Nothing is reconstructed from memory weeks later.
Haven does not file claims with insurers or negotiate settlements on anyone's behalf. It is the system of record that makes a claim straightforward to make: honest timestamps, an audit trail that cannot be quietly edited, and the two policies sitting exactly where the problem occurred. When something goes wrong in a home, the paperwork is the last thing anyone should have to fight.