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
Verified current official web presence shows Delos is a California-licensed MGA focused on homeowners insurance in California, specifically homes in wildfire-exposed areas that other carriers may avoid. Delos states it offers policies on behalf of Homesite Insurance Company and Lloyd's of London and emphasizes science-based wildfire modeling, geospatial analytics, and home-hardening/risk-mitigation insights as core underwriting differentiators. No current official public underwriting/appetite PDF or broker-facing detailed eligibility guide was verified on Delos-controlled domains, so the prior third-party PDF was not reused as the underwriting page. Preferred business: California homeowner risks, including properties in wildfire-stressed or wildfire-exposed communities, where Delos believes its proprietary model can identify lower-exposure homes within broader challenged areas. The messaging suggests a preference for owner-occupied personal home risks that can be evaluated using property-level wildfire data and mitigation characteristics. Restricted/declined classes: No official public class-by-class decline list, construction restrictions, protection-class limits, TIV limits, occupancy limits, or brush-distance rules were verified on the carrier's official site. Operationally, submissions should be treated as subject to Delos's proprietary wildfire score and property-specific defensibility/home-hardening review rather than broad county-only screening. Geographic notes: California only was clearly verified. Delos repeatedly positions itself as a solution for California homeowners and wildfire-exposed California communities; no evidence of broader U.S. personal lines expansion was verified on the official site. Submission requirements / process: Producers can request an appointment through Delos's official agent portal. The appointment request form asks for first name, last name, phone, email, agency name, agency address, and agency role. Delos notes the request is only an expression of interest and not a guaranteed appointment. Official site also provides agent login access and contact paths for partnerships/general info and agent support. Broker/producer notes: Delos advertises competitive commissions, dedicated agent support, and a modern quoting portal. Carrier contact information and California license disclosure are publicly posted. Because no official public appetite guide with binding/submit rules was found, brokers should confirm current eligibility, documentation, inspection expectations, mitigation requirements, and any county/ZIP wildfire constraints directly through the appointed-agent portal or support contacts before marketing or submitting business.