California, October 27, 2025
News Summary
Delos Insurance Solutions is expanding its wildfire insurance coverage to include an additional 265,000 homes across five counties in Southern California. This expansion brings Delos’s total coverage to approximately 2.5 million homes, driven by advancements in risk modeling technology utilizing satellite imagery. The company aims to provide affordable insurance options amidst the growing wildfire threat, particularly as many traditional insurers are withdrawing from the market. Their innovative approach promises better risk assessments, potentially reclassifying many homes categorized as high risk and addressing coverage gaps for California homeowners.
California is witnessing an expansion in wildfire insurance coverage as Delos Insurance Solutions announces its initiative to cover an additional 265,000 homes across five counties in Southern California. The counties included in this expansion are Los Angeles, Orange, Riverside, San Bernardino, and San Diego, increasing Delos’s total insurable footprint to approximately 2.5 million homes.
The decision to expand is driven by significant improvements in Delos’s proprietary risk modeling technology, which utilizes satellite imagery and advanced wildfire science to assess risks more accurately. This insurer, founded in 2017 by aerospace engineers, focuses on providing coverage in regions where traditional insurers have withdrawn due to the growing wildfire threat.
Delos Insurance specializes in technology-driven underwriting practices, evaluating risks at the property level while also offering primary, secondary, and seasonal home policies that integrate various mitigation strategies. Its wildfire risk modeling has demonstrated reliability, having accurately predicted the impacts of all major California fires over the last seven years.
The company’s innovative approach is enhanced through continual data analysis, including the incorporation of detailed wind data and insights into suppression efficacy. This effort aims to further expand Delos’s insurable footprint. Remarkably, around 65% of homes previously categorized as “high risk” by traditional models could likely be reclassified as medium or low risk using Delos’s advanced methods. This could lead to price reductions for homeowners who are currently burdened by rising insurance premiums.
Additionally, the upgraded risk model includes considerations for “urban conflagration” potential, allowing for a better understanding of fire dynamics in developed environments. Following this expansion, Delos is also looking to extend its technology-based wildfire insurance products beyond California, facilitated by a recent $9 million fundraising round secured in late 2024. Future offerings are expected to encompass high-value home and commercial property insurance as part of Delos’s broader growth strategy.
This expansion comes at a critical time for the California insurance market, where numerous insurers are either scaling back their operations or pausing new business altogether due to the increasing risks posed by wildfires. Delos’s innovative model presents itself as a viable alternative approach for risk distribution, blending cutting-edge analytics with traditional underwriting methods to effectively address statewide coverage gaps.
Presently, Delos insures around 30,000 homes in California but operates in the non-admitted market, which means it does not have state backing in the event of insolvency. This typical arrangement can lead to higher premiums for customers. However, the sophisticated modeling capabilities of Delos are designed to cushion against sudden price volatility, potentially making their policies more affordable compared to the state’s FAIR Plan, which is often regarded as high-cost and limited in coverage.
Delos offers a comprehensive range of insurance policies that cover not only wildfire incidents but also water damage, theft, and liability, making it a more inclusive alternative than the FAIR Plan. Policies are primarily sold through independent agents, and the company emphasizes the importance of solving the coverage gap issue that homeowners face in California today. Delos remains committed to providing long-term insurance solutions tailored to customer needs.
FAQ
What is the expansion announced by Delos Insurance Solutions?
Delos Insurance Solutions is expanding its wildfire coverage across five Southern California counties, which includes adding 265,000 homes to its portfolio.
How many homes does Delos Insurance insure in total now?
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 is the technology that Delos Insurance uses to assess wildfire risk?
The move is facilitated by improvements in Delos’s proprietary risk modeling technology that uses satellite imagery and wildfire science to assess risks.
What is the status of the California insurance market with regards to wildfire risk?
This expansion comes during a crisis in the insurance market in California, where several insurers are scaling back or pausing new business due to wildfire risks.
Key Features of Delos Insurance Expansion
| Feature | Description |
|---|---|
| Expansion Scope | An addition of 265,000 homes across five counties in Southern California. |
| Total Coverage | Approximately 2.5 million homes insured across Los Angeles, Orange, Riverside, San Bernardino, and San Diego counties. |
| Technology Utilized | Proprietary risk modeling technology using satellite imagery and wildfire science. |
| Market Status | Expansion occurs amidst a crisis in California’s insurance market due to wildfire risks. |
Deeper Dive: News & Info About This Topic
- Insurance Business: Delos Insurance Expands Wildfire Coverage
- Wikipedia: Wildfire Insurance
- Intelligent Insurer: Wildfire Science Allows Expansion
- Google Search: Delos Insurance wildfire coverage
- ABC10: AI Assessing Risk for Homeowners Insurance
- Encyclopedia Britannica: Wildfire
- Claims Journal: Wildfire Insurance Insights
- Google News: California wildfires insurance 2025
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