Delos Insurance Solutions
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Scope / product: - Managing general agent focused on homeowners insurance in high–wildfire‑exposed parts of California, using proprietary wildfire modeling and satellite / climate data to distinguish truly exposed properties from lower‑risk homes within stressed areas. Preferred business / target profile: - California homeowners in areas where standard admitted carriers have reduced or withdrawn capacity due to perceived wildfire exposure. - Properties that score acceptably on Delos’ internal wildfire model (hundreds of parameters, including vegetation, topography, structure characteristics, and proximity to fuels) and that can be shown as lower actual wildfire exposure despite being in a stressed region. - Risks looking for a single homeowners solution (as opposed to homeowners + separate FAIR Plan fire policy), when the Delos model supports offering full coverage. - Accounts willing to cooperate with inspection and to undertake basic mitigation and home‑hardening measures when recommended. Restricted or challenging risks (inferred from positioning and market behavior): - Homes that the Delos wildfire model scores as truly high‑exposure (dense fuels, steep canyons, limited access/egress, poor defensible space) are likely to be limited, heavily underwritten, or declined. - Properties that cannot meet minimum mitigation / defensible‑space standards identified at inspection (e.g., heavy vegetation against the structure, combustible outbuildings very close to the home) may be subject to non‑renewal or cancellation if corrections are not made. - Very high‑value dwellings above typical MGA capacity bands may require facultative or special handling; recent trade coverage notes Delos has expanded to higher‑value homes with structure limits up to roughly $3M and TIV around $5M, suggesting homes materially above this range will be more difficult or require layering. Geographic notes: - Licensed and currently marketed as a California homeowners solution; website language and press coverage focus entirely on California wildfire issues and the state’s capacity crisis. - Appetite is concentrated in wildfire‑impacted and “stressed” regions of California, including wildland‑urban interface areas and counties where other carriers have implemented broad non‑renewals. - Not marketed as a nationwide or multi‑state personal lines solution as of the latest public material; treat non‑CA risks as out of appetite unless a trading partner bulletin states otherwise. Underwriting / inspection expectations (operational): - All policies are written on paper from A‑rated carrier partners; Delos controls the risk selection using its proprietary wildfire model. - Expect mandatory underwriting inspection for new business in higher‑risk zones; several consumer and market references describe in‑person inspections with potential for cancellation or non‑renewal if inspection findings are not acceptable or required mitigation is not completed. - Underwriting is technology‑driven: satellite imagery, NASA Earth‑observation and LANDFIRE data, and AI modeling are used to pre‑screen and price; agents should anticipate that traditional ISO/brush scores may be overridden by Delos’ internal view of risk. - Renewal underwriting is conducted in line with California regulatory requirements; changes in risk (e.g., added combustible structures, degraded defensible space) can trigger additional underwriting review. Submission / producer notes (from public positioning and site structure): - Distribution is through appointed agents and brokers; there is an "Agent Info" and "Agent Login" entry point on the main site, and homeowners are directed to contact Delos or an agent rather than binding directly online. - Submissions should come through the Delos agent portal or approved wholesaler; anticipate need for standard homeowners data plus accurate physical address and any available mitigation details so Delos’ model can run correctly. - Expect an inspection contingency to be built into many quotes; set client expectations that binding is subject to inspection and potential required changes. - Delos emphasizes that policies are backed by A‑rated carriers; retail agents should be prepared to explain MGA vs. carrier roles to insureds and confirm carrier of record on quotes and policies. Practical broker guidance: - Position Delos primarily for California homeowners struggling to secure coverage due to wildfire concerns, especially where other admitted carriers have non‑renewed or require FAIR Plan fire. - Pre‑screen for basic wildfire defensible‑space and property condition; properties with severe vegetation encroachment, multiple unprotected outbuildings or poor access should be considered marginal and discussed with the underwriter before promising terms. - Advise insureds early that an inspection is likely and that failure to meet mitigation expectations can affect ongoing eligibility. - For high‑value homes near or above $3M Coverage A or $5M TIV, verify current capacity and layering expectations with your Delos contact before marketing those limits. Note: Delos does not publish a detailed public appetite or underwriting guide on its website; operational guidance above is synthesized from Delos’ official site, press releases, and current market commentary and should be confirmed against any confidential broker guides you receive from your wholesaler or Delos directly.