California, October 27, 2025
News Summary
Delos Insurance Solutions has announced the expansion of its wildfire coverage to include an additional 265,000 homes across five counties in Southern California. This move aims to enhance total coverage to approximately 2.5 million homes, facilitated by advanced risk modeling technology that analyzes satellite imagery and wildfire science. Founded in 2017, Delos aims to provide innovative insurance solutions in areas underserved by traditional insurers, targeting the specific challenges posed by the wildfire crisis in California.
California – Delos Insurance Solutions has announced the expansion of its wildfire coverage in Southern California, looking to insure an additional 265,000 homes across five counties. This strategic move increases the company’s total coverage to approximately 2.5 million homes in the Los Angeles, Orange, Riverside, San Bernardino, and San Diego counties.
The expansion is made possible through advancements in Delos’s proprietary risk modeling technology, which utilizes satellite imagery and wildfire science to assess risks more accurately. Founded in 2017 by aerospace engineers, Delos aims to provide insurance solutions in regions where traditional insurers have scaled back their operations due to heightened wildfire exposure.
Delos combines technology-driven underwriting with a comprehensive evaluation of property-level risks, offering policies for primary, secondary, and seasonal homes. The company’s wildfire risk model has consistently demonstrated its reliability, accurately predicting the extent of all major California fires over the past seven years. To further expand its insurable footprint, Delos is enhancing its data analysis capabilities, incorporating detailed wind data and suppression efficacy information into its risk modeling processes.
With the traditional insurance market in California currently struggling under the weight of wildfire risks—prompting many insurers to pause new business—Delos presents an alternative approach. About 65% of homes typically classified as “high risk” by conventional models could potentially be reclassified as medium or low risk under Delos’s innovative system, offering price relief to homeowners experiencing escalating insurance premiums.
Additionally, the updated risk model includes data on potential urban conflagration, which helps the company better understand how fires spread in developed areas. Delos plans to extend its technology-based wildfire insurance offerings beyond California, following a successful $9 million fundraising round in late 2024. Future products will also include insurance for high-value homes and commercial properties as part of the company’s growth strategy.
Currently, Delos insures approximately 30,000 homes throughout California. Operating in the non-admitted market structure, Delos is not backed by the state in cases of insolvency, which often results in higher premiums. However, the company’s advanced modeling allows it to mitigate sharp price fluctuations, thus making its policies potentially more affordable when compared to the state’s FAIR Plan, which is known for being costly and limited in coverage.
Insurance policies from Delos cover a wide range of protections, including water damage, theft, liability, and, notably, wildfire events. This comprehensive coverage is significantly broader than what is typically offered under the FAIR Plan. Delos predominantly markets its insurance offerings through independent agents, who can easily become appointed by the company.
Emphasizing its commitment to bridging the coverage gap in California’s insurance market, Delos remains dedicated to providing long-term insurance solutions that cater to the unique challenges homeowners face in wildfire-prone regions.
FAQ
What is the main focus of Delos Insurance Solutions’ recent expansion?
Delos Insurance Solutions is expanding its wildfire coverage across five Southern California counties, which includes adding 265,000 homes to its portfolio.
How many total homes will Delos Insurance cover after this expansion?
The expansion increases Delos’s total coverage footprint to approximately 2.5 million homes across Los Angeles, Orange, Riverside, San Bernardino, and San Diego counties.
What technology does Delos use to assess risks?
The expansion is facilitated by improvements in Delos’s proprietary risk modeling technology that uses satellite imagery and wildfire science to assess risks.
When was Delos Insurance founded?
Delos was founded in 2017 by aerospace engineers who aimed to provide insurance in areas where traditional insurers have pulled back due to wildfire exposure.
What does Delos’s wildfire risk model predict?
Delos’s wildfire risk model has accurately predicted the extent of all major California fires over the past seven years.
Key Features of Delos Insurance Expansion
| Feature | Details |
|---|---|
| Coverage Expansion | Adding 265,000 homes in Southern California |
| Total Coverage | Approximately 2.5 million homes across five counties |
| Risk Assessment Technology | Uses satellite imagery and wildfire science |
| Market Position | Non-admitted market, higher premiums |
| Policy Offerings | Includes water damage, theft, liability, and wildfire |
Deeper Dive: News & Info About This Topic
- Insurance Business: Delos Insurance Expands Wildfire Coverage
- Intelligent Insurer: Trusted Wildfire Science
- ABC10: California Company Using AI for Homeowners Insurance
- Wikipedia: Wildfires in California
- Google Search: Wildfire Insurance California
Author: STAFF HERE COSTA MESA WRITER
The COSTA MESA STAFF WRITER represents the experienced team at HERECostaMesa.com, your go-to source for actionable local news and information in Costa Mesa, Orange County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as the OC Fair, Concerts in the Park, and Fish Fry. Our coverage extends to key organizations like the Costa Mesa Chamber of Commerce and Boys & Girls Clubs of Central Orange Coast, plus leading businesses in retail, fashion, and technology that power the local economy such as Vans, Experian, and South Coast Plaza. As part of the broader HERE network, including HEREAnaheim.com, HEREBeverlyHills.com, HERECoronado.com, HEREHollywood.com, HEREHuntingtonBeach.com, HERELongBeach.com, HERELosAngeles.com, HEREMissionViejo.com, HERESanDiego.com, and HERESantaAna.com, we provide comprehensive, credible insights into California's dynamic landscape.
