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
Delos currently publishes an official California-focused homeowners positioning and producer-access message, but no verified public official underwriting/appetite PDF or detailed broker guideline page was found on Delos-controlled domains. Current published guidance indicates Delos is a technology-driven MGA focused on homeowners insurance in California, using wildfire-science and geospatial modeling to write homes other carriers may avoid, with policies issued through Homesite Insurance Company and Lloyd’s of London partners. Preferred business appears to be California owner-occupied home risks where wildfire exposure can be differentiated as acceptable by Delos’ proprietary model; their marketing is specifically oriented to homes in wildfire-exposed communities that remain insurable on a selective basis. Geographic note: California is the clear and explicit target state; Delos invites agents to request an appointment to offer policies to California clients. No official public source was found confirming expansion beyond California. Restricted/declined classes were not publicly detailed on verified Delos pages, so no class-level ineligible list, construction/age thresholds, brush-distance rules, protection-class cutoffs, or occupancy restrictions could be confirmed from official sources. Submission/producer requirements publicly visible: agents must obtain an appointment/request access through Delos’ agent platform, and Delos maintains both an Agent Portal and Customer Portal. Broker/producer notes: public messaging emphasizes partnership access for agents, science-based wildfire selection, and support for California homeowners who may have been non-renewed elsewhere; claims routing varies by policy form/carrier, reinforcing that business may be placed with different paper depending on program. Because the supplied third-party PDF was not verified on an official Delos domain, it should be treated as unverified until replaced by an official Delos-hosted underwriting/appetite page or carrier-distributed producer document.