California, October 27, 2025
News Summary
Delos Insurance Solutions has announced a significant expansion of its wildfire insurance coverage, adding 265,000 homes in five counties across Southern California. This increase raises Delos’s total coverage footprint to approximately 2.5 million homes. With advancements in proprietary risk modeling technology using satellite imagery, Delos aims to provide comprehensive coverage in areas where traditional insurers have pulled back due to heightened wildfire risks. Their innovative approach promises to reclassify many homes previously deemed high risk, thus potentially reducing financial burdens for homeowners in the state.
California is witnessing a significant expansion in wildfire insurance coverage as Delos Insurance Solutions announces plans to insure an additional 265,000 homes across five counties. This marks a strategic move by Delos to increase its total coverage footprint to approximately 2.5 million homes in Los Angeles, Orange, Riverside, San Bernardino, and San Diego counties.
The expansion is made possible by advancements in Delos’s proprietary risk modeling technology, which leverages satellite imagery and fire science to assess wildfire risks more accurately. Founded in 2017 by aerospace engineers, Delos seeks to provide coverage in areas where traditional insurers have become cautious due to the rising dangers of wildfires.
Delos’s innovative approach combines technology-driven underwriting that evaluates property-specific risks with the provision of insurance policies for primary, secondary, and seasonal homes, all while incorporating effective mitigation strategies. The company’s wildfire risk model has demonstrated remarkable accuracy, successfully predicting the impacts of all major California fires over the past seven years.
As part of their commitment to expanding coverage, Delos continues to enhance their data analysis techniques, incorporating detailed wind data and efficiency insights on fire suppression activities. This enhancement is aimed at broadening their insurable footprint even further. Under Delos’s assessment, approximately 65% of households previously categorized as “high risk” by conventional models may be reclassified to medium or low risk, offering homeowners potential financial relief amidst soaring insurance premiums.
Additionally, Delos’s upgraded risk model includes data on “urban conflagration” potential, which helps understand and manage fire spread in developed areas. Looking ahead, Delos plans to broaden its technology-based wildfire insurance offerings beyond California, supported by a recent $9 million fundraising initiative. This expansion may include high-value home and commercial property insurance in line with Delos’s growth strategy.
This development occurs during a critical period in California’s insurance market, where numerous insurers are retracting or halting new business due to elevated wildfire risks. In contrast, Delos’s approach offers an alternate solution to risk distribution, melding advanced analytics with traditional underwriting methods to effectively bridge coverage gaps throughout the state.
Currently, Delos covers approximately 30,000 homes across California, operating primarily in the non-admitted market. This means policies offered by Delos are not state-backed in the event of company insolvency, which typically results in higher premiums for homeowners. However, the sophisticated modeling deployed by Delos allows for mitigation of sharp price fluctuations, potentially making their insurance products more affordable compared to the state’s FAIR Plan, which is known for its high costs and limited coverage options.
In addition to wildfire protection, Delos’s insurance policies encompass a broader range of protections including water damage, theft, and liability. The company primarily markets policies through independent agents, who can quickly become appointed with Delos to facilitate the process for property owners seeking comprehensive coverage options.
Delos Insurance Solutions is focused on addressing the pressing coverage gap issue in California and remains dedicated to providing long-term insurance alternatives for homeowners facing the realities of wildfire threats.
FAQs
What recent expansion has Delos Insurance Solutions announced?
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 currently 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 is Delos using to assess wildfire risk?
The expansion is facilitated by improvements in Delos’s proprietary risk modeling technology that uses satellite imagery and wildfire science to assess risks.
What percentage of homes does Delos consider to be reclassified as medium or low risk?
Approximately 65% of homes classified as “high risk” by conventional models could potentially be reclassified as medium or low risk under Delos’s system.
What additional insurance products does Delos plan to introduce in the future?
Delos plans to expand its technology-based wildfire insurance offerings beyond California, including high-value home and commercial property insurance as part of its growth strategy.
Key Features of Delos Insurance Solutions
| Feature | Description |
|---|---|
| Coverage Expansion | Insuring an additional 265,000 homes in Southern California. |
| Total Coverage | Approx. 2.5 million homes across various counties. |
| Risk Assessment Technology | Utilizes satellite imagery and wildfire science. |
| Reclassification Potential | 65% of high-risk homes could be seen as medium or low risk. |
| Future Offerings | High-value home and commercial property insurance plans are in development. |
Deeper Dive: News & Info About This Topic
- Insurance Business Magazine: Delos Insurance Expands Wildfire Coverage
- Intelligent Insurer: Trusted Wildfire Science Allows Delos Insurance to Expand Coverage
- ABC10: California Company Using AI to Assess Risk for Homeowners Insurance
- Bloomberg: As California Wildfires Rage, One Insurer Taps AI for Coverage
- Insurance Journal: California Wildfire Coverage Challenges
- Wikipedia: Wildfire
- Google Search: Wildfire Insurance
- Google Scholar: Wildfire Insurance California
- Encyclopedia Britannica: Wildfire
- Google News: California Wildfire Insurance
Author: STAFF HERE HUNTINGTON BEACH
The Huntington Beach Staff Writer represents the experienced team at HEREHuntingtonBeach.com, your go-to source for actionable local news and information in Huntington Beach, 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 Huntington Beach Surf City USA Marathon, the U.S. Open of Surfing, Fourth of July celebrations at the Huntington Beach Pier, and community festivals at Huntington Beach Central Park. Our coverage extends to key organizations like the Huntington Beach Chamber of Commerce and Visit Huntington Beach, plus leading businesses in retail, hospitality, and outdoor recreation that drive the local economy. As part of the broader HERE network, including HEREAnaheim.com, HERECostaMesa.com, HERESantaAna.com, and HERELosAngeles.com, we provide comprehensive, credible insights into Southern California's dynamic landscape.
