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 & paper - Non‑admitted California homeowners program written on A‑rated Homesite paper via Delos (MGA). Applies to 1–4 family, owner‑occupied dwellings used as primary or seasonal/secondary residences. Version 1.6, NB/RB effective 12/04/2023 for the referenced guide. - Separate Delos/Homesite landlord program: non‑admitted HO3 with Residence Premises Rental To Others endorsement for 1–4 family dwellings rented to tenants on at least annual terms. CA only.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) Preferred / target business – Homeowners - 1–2 family, well‑maintained frame or masonry dwellings with solid condition, adequate updates, and no significant hazards or maintenance issues. - Coverage A valuations at or above $100/sq ft and up to $1.5M; total TIV up to $3M. - Owner‑occupied primary or true secondary/seasonal homes with stable insurance history and no material prior losses, in wildfire‑impacted territories where Delos’ model still deems risk acceptable. - Named insured is an individual resident; trusts/LLCs can be listed as additional insureds once bound (not as primary NI).([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) Ineligible / declined – common to Homeowners & Landlord (non‑exhaustive) Occupancy & use - Any business on premises with more than 2 customer visitors per week (other than home daycare, which is separately ineligible). - Home daycare, commercial or retail farming. - Short‑term or transient rentals (e.g., Airbnb, Vrbo) or any property subject to short/long‑term rental or time‑share agreements in the homeowners program. Landlord guide also declines short‑term rentals or any other time‑sharing lease/rental arrangement. - High‑profile individuals (entertainers, athletes, media personalities, etc.). - More than 2 families per unit; more than 2 roomers/boarders per family. - Properties with more than one home on a single property or more than one street address, or more than 4 separate living units (landlord guide). - Condominiums are not acceptable in the landlord program. - Homes that are vacant are not acceptable in the landlord program (these should be considered only for Delos’ separate vacant‑home product, if available via distribution, under separate guidelines).([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) Valuation & limits - Homeowners: Coverage A minimum effective valuation is $100 per sq ft; Coverage A max at new business is $1,500,000 and total TIV max is $3,000,000. - Landlord: Coverage A typically $70,000–$1,500,000; TIV up to $3,000,000. Coverage B up to 20% of A; Coverage C typically 25%, 50% or 70% of A; Coverage D (Loss of Use) 10–20% of A. Risks outside these ranges are generally not acceptable.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) Dwelling condition / construction (Homeowners guide – representative rules) - Adverse conditions or hazards, significant lack of maintenance, or refusal of required inspection are grounds for declination or cancellation. - Homes ≥100 years old or those partially or fully supported by piers, stilts, or posts are ineligible. - Expect additional disqualification for unusual/non‑standard construction types and major structural deficiencies under both programs; landlord guide specifically lists non‑standard construction and certain ADU situations as not acceptable.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) Landlord‑specific appetite notes - Accepts 1–4 family dwellings rented to others with tenants on at least 12‑month terms. - Insured may not own more than 4 rental locations in total in this program. - Properties with more than 4 separate living units, multiple homes on one parcel, or multiple street addresses are declined. - Vacant homes, condo units, and short‑term rental exposures are out of appetite. - Program is positioned as a Dwelling‑Fire style product delivered on an HO3 form plus rental endorsement, non‑admitted, CA only.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-LANDLORD-UW-GUIDELINES-1.pdf?utm_source=openai)) Geographic & catastrophe orientation - Programs are California‑focused, targeting wildfire‑impacted territories where traditional carriers have pulled back. Delos relies on proprietary wildfire modeling and satellite imagery to identify insurable homes in areas generally classified as high risk and has been actively expanding eligibility in Southern CA and other wildfire‑exposed regions. - Despite wildfire focus, individual property‑level risk quality and defensible space/home‑hardening will materially influence acceptability per Delos’ internal model, even when not spelled out in the public guide.([getdelos.com](https://www.getdelos.com/?utm_source=openai)) Named insured / entities - Named insured must be an individual who resides at the premises for homeowners; U.S.‑based trusts, LLCs, or LLPs may be added as additional insureds by endorsement after binding, but estates are not allowed as NIs. - Refer to the separate “Insureds vs Interested Parties on a Delos/Homesite policy” document (not in the PDF) for detailed handling of entities, additional interests, etc. Submission & broker/producer notes (from guides and carrier positioning) - Underwriting is non‑admitted; agents should ensure surplus‑lines compliance and use Delos’ portals or wholesalers per their appointment agreements. - All risks are subject to inspection; refusal or failure to comply with inspection findings can trigger cancellation or non‑renewal. - Quote submissions should include accurate square footage, year built, updates, occupancy details, prior insurance and loss history, and any business or rental use to avoid post‑bind declinations. - Landlord and homeowners guidelines shown in the PDFs are explicitly described as overviews and not fully exhaustive; producers are expected to refer to full guidelines and resources available through Delos’ producer/agent resources page when determining eligibility and before submitting borderline risks.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) Operational takeaways for agents - Use the homeowners program only for owner‑occupied primary/secondary 1–4 family dwellings with no short‑term rental exposure, no significant business traffic, and adequate valuation (≥$100/sq ft, A ≤$1.5M, TIV ≤$3M), in good condition and not on stilts/piers or >100 years old. - Use the landlord program for 1–4 family long‑term rental dwellings where the insured owns no more than 4 rental locations; strictly avoid short‑term rentals, condos, multiple homes on one parcel, or more than 4 units. - Decline or pre‑screen any risk with daycare, commercial farming, high‑profile insureds, or notable property deterioration, and confirm that any entity interests are added by endorsement rather than as the primary NI. - Expect inspection‑driven enforcement and model‑based wildfire triage; when in doubt on CAT‑exposed properties, clear with Delos underwriting before binding.