---
title: "Delos Insurance [Updated 2026]"
description: "Yes, Delos Insurance is a real company that can sell you homeowners insurance in California. They specialize in providing competitive premiums in areas where other insurers can't underwrite due to fire risk."
canonical: "https://www.coveragecat.com/reviews/delos"
last-updated: "2026-08-13"
---

# Delos Insurance [Updated 2026]

1. [Introduction to Delos Insurance](#introduction)
2. [What Kinds of Insurance Does Delos Offer?](#typesof)
3. [Does Delos Sell Homeowners Insurance?](#sellprimary)
4. [Does Delos Sell Liability Insurance? ](#sellsecondary)
5. [How Does Delos Insurance Work?](#howdoesitwork)
6. [Pros and Cons of Delos Insurance ](#proscons)
7. [Customer Reviews for Delos Insurance ](#review)
8. [Get Customer Support Or File A Claim For Delos Insurance](#support)
9. [Frequently Asked Questions](#faq)

### <a id="introduction"></a> Introduction to Delos Insurance

Delos Insurance Solutions, based in San Francisco and founded in 2017, specializes in homeowners and dwelling fire insurance for properties in wildfire-impacted zones where [traditional insurers refuse coverage](https://www.insurancejournal.com/news/national/2023/07/12/729399.htm). While large carriers have exited high-risk markets, [Delos employs climate science, satellite imagery, and machine learning](https://www.insurancebusinessmag.com/us/news/environmental/how-one-eands-insurer-is-tackling-californias-wildfire-risk-with-machine-learning-541536.aspx) to underwrite homes that other insurers decline.

Co-founded by aerospace engineers Kevin Stein and Shanna McIntyre, Delos has grown from writing $200,000 in monthly premiums to $7 million by 2024, according to [(Insurance Innovation Reporter, "Where Angels Fear to Tread", 2024)](https://iireporter.com/where-angels-fear-to-tread-delos-focus-on-wildfire-stressed-california/). The company now manages approximately $40 billion in total insured value across roughly 30,000 homes statewide [(ABC10, "California insurance crisis: AI-backed model offers insurance where others won't", 2025)](https://www.abc10.com/article/news/local/wildfire/california-company-using-ai-to-assess-risk-provide-homeowners-insurance/103-870249dc-89fd-457f-8a20-8e81bef2ee92).

Delos operates as a Managing General Agent (MGA), issuing policies on behalf of AM Best A-rated carriers such as Canopius US Insurance, Homesite, Lloyd's of London, and Summit Specialty [(Delos Insurance Solutions, "About", 2026)](https://www.getdelos.com/about). You can get a quote by working with a licensed Excess & Surplus lines broker like [Coverage Cat](https://www.coveragecat.com).

### <a id="typesof"></a> What Kinds of Insurance Does Delos Offer?

Delos offers:

- **Homeowners Insurance** for primary homes. These policies typically include:
  - Dwelling
  - Personal property
  - Liability
  - Loss of use
  - Secondary structures

- **Dwelling Fire Policies** for high-risk, non-primary homes such as seasonal/secondary residences, rental homes, and vacant properties. These policies typically include:
  - Dwelling
  - Personal property
  - Liability
  - Loss of use and/or Loss of rents for rental properties

### <a id="sellprimary"></a> Does Delos Sell Homeowners Insurance?

Yes, Delos offers homeowners insurance for primary homes, secondary/seasonal properties, and rental properties. The company insures approximately 30,000 homes across California [(ABC10, "California insurance crisis: AI-backed model offers insurance where others won't", 2025)](https://www.abc10.com/article/news/local/wildfire/california-company-using-ai-to-assess-risk-provide-homeowners-insurance/103-870249dc-89fd-457f-8a20-8e81bef2ee92), with policies sometimes costing less than the California FAIR Plan while providing broader coverage for water damage, theft, liability, and wildfire.

Delos does not, however, offer condo or condo unit-owners insurance at this time.

### <a id="sellsecondary"></a> Does Delos Sell Liability Insurance?

Delos Insurance does not sell standalone liability insurance, sometimes also called umbrella insurance. It does however offer liability protection included in its homeowners and dwelling fire insurance policies.

### <a id="howdoesitwork"></a> How Does Delos Insurance Work?

Delos Insurance Solutions operates as an [MGA](https://www.insurancejournal.com/news/west/2022/11/15/695023.htm), or [managing general agent](https://www.irmi.com/term/insurance-definitions/managing-general-agent), a designation that permits them to sell custom insurance policies with the support of larger insurers. The company issues policies on behalf of carriers including Canopius US Insurance (A- rated), Homesite Insurance Company [(A rated, "Untitled", 2026)](https://homesite.com/insurance-resources/home-insurance-articles/ambest-rating.htm#:~:text='Excellent'%20from%20A.M.%20Best&text=Homesite%20is%20pleased%20to%20announce,most%20respected%20credit%20rating%20agency.), Lloyd's of London [(Lloyds, "Lloyd’s receives positive outlook improvement from AM Best", 2026)](https://www.lloyds.com/about-lloyds/media-centre/press-releases/lloyds-receives-positive-outlook-improvement-from-am-best#:~:text=Lloyd's%20strong%20financial%20strength%20ratings,with%20Kroll%20Bond%20Rating%20Agency.), and Summit P&C [(Delos Insurance Solutions, "About", 2026)](https://www.getdelos.com/about).

The company secured $9 million in Series A funding in 2024 with participation from HSBC Asset Management [(PR Newswire, "Delos Insurance Solutions secures further $9m funding", 2024)](https://www.prnewswire.com/news-releases/delos-insurance-solutions-secures-further-9m-funding-302293207.html). This funding supports expansion beyond California as the company writes $40 billion in total insurance value [(Lisay, "Delos raises millions to expand wildfire insurance", 2024)](https://www.insurancebusinessmag.com/us/news/catastrophe/delos-raises-millions-to-expand-wildfire-insurance-512194.aspx).

Delos is not a direct-to-consumer product. To get a quote, you'll need to contact an agent appointed with Delos and licensed to write non-admitted insurance. Coverage Cat, a licensed excess & surplus broker, can help you compare quotes from both admitted and non-admitted carriers without any sales calls.

| Company Metric | Value | Source |
|----------------|-------|--------|
| Founded | 2017 | Delos About Page |
| Total Insured Value | $40 billion | Insurance Business Magazine, 2024 |
| Homes Insured | ~30,000 | ABC10, 2025 |
| Monthly Premium Growth | $200K to $7M (2024) | Insurance Innovation Reporter, 2024 |
| Series A Funding | $9 million | PR Newswire, 2024 |
| Distribution Partners | 11,000+ in California | PR Newswire, 2025 |

### <a id="proscons"></a> Pros and Cons of Delos Insurance

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
      <li>Competitive pricing, sometimes lower than California FAIR Plan</li>
      <li>Available in areas that traditional insurers chose not to service</li>
      <li>Strong financial backing from A-rated carriers</li>
      <li>Zero wildfire losses across portfolio during 2025 LA fires</li>
      <li>Technology considers home hardening and property-level risk</li>
    </ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
      <li>Only available in California (expansion planned)</li>
      <li>Does not offer coverage for owned condos or apartments</li>
      <li>Customers report that support and claims can be frustrating to deal with</li>
      <li>Limited online review presence</li>
      <li>Must work through appointed agents, not direct-to-consumer</li>
    </ul>
  </div>
</div>

### <a id="review"></a>Customer Reviews and Feedback for Delos Insurance

Delos has a scarce presence when it comes to reviews across the web. The company recorded zero wildfire losses across its 25,000-policy portfolio during the January 2025 Los Angeles fires, according to [(PR Newswire, "Delos analysis one year after LA wildfires", 2026)](https://www.prnewswire.com/news-releases/delos-analysis-one-year-after-la-wildfires-shows-why-some-fires-become-catastrophic---and-others-dont-302662569.html). This performance demonstrates the effectiveness of their wildfire modeling approach, which has successfully predicted the extent of all major California fires over the past seven years.

| Source | Avg Rating (Reviews) | Representative Quote (anonymized) |
|--------|----------------------|-----------------------------------|
| [Yelp - Bridgewater](https://www.yelp.com/biz/delos-insurance-bridgewater) | ~1.5 ★ (2 reviews, 2026) | "Very high prices and terrible customer service, one department does not know what the other is doing." |
| [Google](https://www.google.com/maps/place/Delos+Insurance+Solution/@37.7899721,-122.4009297,17z/data=!3m1!5s0x870dea0c14cb72d5:0x3be6d502c4ffea44!4m8!3m7!1s0x80858149d986e7c5:0xb3843142bbce6159!8m2!3d37.7899721!4d-122.4009297) | 1.0 ★ (3 reviews) | "They cancelled our policy after inspection for issues that were never shared with us upfront." |
| [BBB](https://www.bbb.org/us/ca/san-francisco/profile/insurance-agency/delos-insurance-solutions-1116-964530) | A− rating, no reviews | "This business is NOT BBB Accredited." File opened October 2024. |
| [Reddit](https://www.reddit.com/r/BayAreaRealEstate/comments/1aee69f/delos_insurance/) | N/A (community commentary) | "It is a non-admitted company in California, but have a solid financial stability." |

### Real reviews for Delos Insurance

<div class="grid customer-review">
  <div class="column">
    <p><b>HenHen27, May 2024</b></p>
    <p><a href=
    "https://www.reddit.com/r/BayAreaRealEstate/comments/1aee69f/comment/l1w9143/?utm_source=share&amp;utm_medium=web3x&amp;utm_name=web3xcss&amp;utm_term=1&amp;utm_content=share_button">
    <span class="text-muted">via Reddit</span></a></p>
  </div>
  <div class="column">
    <p></p>
    <p>I love Delos. I've had a great experience with them
    and saved money. They have a different approach to wildfire. No
    more California Fair Plan!!! Www.getdelos.com</p>
    <p>I was able to get a quote by emailing
    contact@getdelos.com</p>
    <p>Yes, company is smaller but I read they are backed
    by American Family Insurance. We felt good about the
    policy.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p><b>MARTY L., Calaveras County, California, February
    2024</b></p>
    <p><a href=
    "https://www.bbb.org/us/il/chicago/profile/insurance/kin-insurance-0654-90018428/customer-reviews">
    <span class="text-muted">via BBB</span></a></p>
  </div>
  <div class="column">
    <p>Like many people in our area, I found that my
    insurance was going to be cancelled. My previous insurance
    company waited until the last minute and then found a policy
    that was going to be a $700 increase. I called Tom Pratt with
    Delos. Although Tom was at a soccer game with his children, he
    and his associates were able to get a quote to me and arranged
    for me to sign the papers within two hours. I saved the $700
    plus a little more. I found the team at Delos to be easy to
    work with, honest, and concerned about their clients. I would
    definitely recommend them.</p>
  </div>
</div>


<div class="simple-cta">
  <a role="button" class="btn btn-xl start-intake btn-primary" href="/intake?ltp=owned_homes">
  Get CA Home Quotes
</a>
  <p class="text-muted margin-top">🔒 We don't sell your information - no spam, and no calls</p>
</div>

### <a id="support"></a> Get Customer Support For Or File A Claim With Delos Insurance

Delos offers a general inquiries email at [contact@getdelos.com](mailto:contact@getdelos.com) but for customer support and almost all queries related to your policy you should contact your agent according to their website.

For claims you are instructed by their website to [contact your agent](https://www.getdelos.com/claims). The company's claims philosophy includes listening to policyholders, acting fairly and in good faith, explaining coverages thoroughly, and investigating facts diligently [(Delos Insurance Solutions, "Claims", 2026)](https://www.getdelos.com/claims). If you are a Coverage Cat customer we can help with support in some cases and might be able to help you contact your agent.

**How to Cancel Delos Insurance**

To cancel Delos Insurance, contact your assigned insurance agent. Coverage Cat users have their cancellations handled for them.

### <a id="faq"></a> Frequently Asked Questions

**Should I Buy Delos Insurance?**

Your Delos purchase should be sensitive to your risk needs and offerings on the marketplace. Compare with Coverage Cat or your own research before you buy and consider the pros and cons of any given policy. Delos estimates that 50% of FAIR Plan-insured properties may qualify for their private coverage [(PR Newswire, "Delos analysis one year after LA wildfires", 2026)](https://www.prnewswire.com/news-releases/delos-analysis-one-year-after-la-wildfires-shows-why-some-fires-become-catastrophic---and-others-dont-302662569.html), which could mean broader coverage at competitive rates.

**Is Delos Insurance a Real Insurance Company?**

Yes, Delos Insurance is a legitimate insurance company. It operates as an MGA backed by reputable A-rated carriers in the industry including Canopius US Insurance, Homesite, and Lloyd's of London [(Delos Insurance Solutions, "About", 2026)](https://www.getdelos.com/about). The company offers products that help thousands of Californians a year secure coverage in wildfire-prone areas.

**Is Delos Insurance an Admitted Carrier?**

Delos Insurance is a managing general agency (MGA) that operates in California's non-admitted surplus lines market [(ABC10, "California insurance crisis: AI-backed model offers insurance where others won't", 2025)](https://www.abc10.com/article/news/local/wildfire/california-company-using-ai-to-assess-risk-provide-homeowners-insurance/103-870249dc-89fd-457f-8a20-8e81bef2ee92). This designation allows them to resell specialized risk on a carrier's behalf. This should have little if any impact on the average user's purchase and claims experience. If you'd like to learn about options available to you, try [Coverage Cat](https://www.coveragecat.com/intake).

**How Does Delos Insurance Make Money?**

Delos makes money because its policyholders pay it for the insurance coverage it provides. The company's expertise on high-fire-risk properties allows them to underwrite homes that other insurers wouldn't cover at all. Their proprietary wildfire modeling technology, which uses satellite imagery and climate science, helps them identify lower-risk properties in areas other carriers avoid entirely [(Delos Insurance Solutions, "Technology", 2026)](https://www.getdelos.com/technology).

**Is Using Delos Worth It?**

Delos Insurance can be a good fit for homeowners in California needing insurance for their properties. Delos has [a history](https://www.insurancejournal.com/news/west/2022/11/15/695023.htm#:~:text=In%20June%202021%2C%20the%20California,more%20susceptible%20to%20wildfire%20risk.) of helping those who might otherwise be pushed onto the state's FAIR plan. The company expanded underwriting eligibility to approximately 270,000 additional Southern California homes after the 2025 fires [(PR Newswire, "Delos analysis one year after LA wildfires", 2026)](https://www.prnewswire.com/news-releases/delos-analysis-one-year-after-la-wildfires-shows-why-some-fires-become-catastrophic---and-others-dont-302662569.html). That said, to know if Delos is the right match for you, you have to comparison shop across the market.

**What Makes Delos Different from Other Homeowners Insurance Companies?**

Delos uses fully patented technology that combines satellite imagery, climate science, and machine learning to assess wildfire risk at the property level [(Delos Insurance Solutions, "Technology", 2026)](https://www.getdelos.com/technology). This approach allows them to identify and insure homes in wildfire-prone areas that traditional insurers decline, often at rates competitive with or lower than the California FAIR Plan. The company's model accurately predicted the extent of all major California fires over the past seven years.