Delos Insurance

Yes, Delos Insurance is a real company that can sell you homeowners insurance in California. They specialize in providing competitive premiums in areas where other insurers can't underwrite due to fire risk.

April 24, 2024

By: Gabriel Botelho

Insurance Types


  1. Introduction to Delos Insurance
  2. What Kinds of Insurance Does Delos Offer?
  3. Does Delos Sell Homeowners Insurance?
  4. Does Delos Sell Liability Insurance?
  5. How Does Delos Insurance Work?
  6. Pros and Cons of Delos Insurance
  7. Customer Reviews for Delos Insurance
  8. Get Customer Support Or File A Claim For Delos Insurance
  9. Frequently Asked Questions

Introduction to Delos Insurance

Delos Insurance, a San Francisco-based company founded in 2016, specializes in homeowners insurance where fire risk is an impediment for the home insurers that remain in California. Agents praise it for its competitive prices and coverage, and it has been successful at raising money, but it is hard to find reliable customer reviews.

What Kinds of Insurance Does Delos Offer?

Delos offers homeowners insurance with standard and specialized dwelling fire policies for non-primary residences such as rental properties, seasonal or vacation homes, vacant homes, secondary, and older homes. While their website also advertises auto and renters insurance options their FAQ clarifies that these types of policies are provided through affiliate-like arrangements found through their sales associates reaching out through a partner carrier network.

Does Delos Sell Homeowners Insurance?

Yes, Delos offers homeowners insurance with standard coverages for homes. For homeowners, the coverages include protection for dwellings, secondary structures, personal effects, loss of use, and liability. For fire policies, the coverage will often include homes' dwelling and other structures, with an option for personal property coverage and personal liability coverage. For landlords looking to purchase dwelling fire policies, Delos offers fair rental value coverage.

Does Delos Sell Liability Insurance?

Delos Insurance does not sell standalone liability insurance, sometimes also called umbrella insurance. It does however, included in its homeowners and dwelling fire insurance policies, offer liability protection.

How Does Delos Insurance Work?

Delos Insurance Solutions make money by selling policies issued by their partners, Homesite Insurance Company (A rated carrier) and Lloyd's of London (A rated) both ratings are with A.M. Best a ratings company helps forecast the financial stability of insurance companies. Delos is an MGA, or managing general agent, a designation that permits them to sell custom insurance policies with the support of larger insurers.

Although they have an intake form it is likely that it leads to a call from an agent in many cases and that they prefer to quote through their agent network. Agents can apply to join the network here. Coverage Cat can also help you purchase a Delos policy without a sales call while you assess the marketplace for other options.

Pros and Cons of Delos Insurance


  • Competitive pricing
  • Often available in areas that traditional insurers chose not to service.
  • Strong financial backing and ratings from agencies that rate insurance companies


  • Only available in California
  • Does not offer coverage for owned condos or apartments
  • Customers report that support and claims can be frustrating to deal with.

Customer Reviews and Feedback for Delos Insurance (Trustpilot, Google Maps, Yelp, Nerdwallet, Wallethub, Reddit)

Delos has a scarce presence when it comes to reviews across the web but also registers relatively fewer complaints than would be expected of the amount of premium they underwrite based on reporting to the NAIC. Otherwise though, the results are quite sparse with no reviews on any major site or even on the address listed by Delos in their on Google Maps. Reddit user Sudden_Meaning_9900 said it best in this thread on the subject:

What concerns us is that Delos is a startup [...] No BBB info or reviews. They've been focusing on the high fire zones to gain customers [...]

As a result we won't be sharing customer ratings here and will lean on reviews where we can find them around the web. Though we do our best to vet these comments, there is a chance that some are company reps supporting their team.

Real reviews for Delos Insurance

HenHen27, May 2024

via Reddit [n.b.: this is likely a Delos-affiliated account, but we include it for completeness in the event we are wrong as it is one of the few more extensive reviews of the company.

I love Delos. I’ve had a great experience with them and saved money. They have a different approach to wildfire. No more California Fair Plan!!!

I was able to get a quote by emailing [email protected]

Yes, company is smaller but I read they are backed by American Family Insurance. We felt good about the policy.

MARTY L., Calaveras County, California, February 2024

via Delos [n.b.: given that this is on Delos' front-page this is likely a very carefully selected user review.]

Like many people in our area, I found that my insurance was going to be cancelled. My previous insurance company waited until the last minute and then found a policy that was going to be a $700 increase. I called Tom Pratt with Delos. Although Tom was at a soccer game with his children, he and his associates were able to get a quote to me and arranged for me to sign the papers within two hours. I saved the $700 plus a little more. I found the team at Delos to be easy to work with, honest, and concerned about their clients. I would definitely recommend them.

Get Customer Support For Or File A Claim With Delos Insurance

Delos offers a general inquiries email at [email protected] but for customer support and almost all queries related to your policy you should contact your agent according to their website.

For claims you are instructed by their website to contact your agent. If you are a Coverage Cat customer we can help with support in some cases and might be able to help you contact your agent.

How to Cancel Delos Insurance

To cancel Delos Insurance, contact your assigned insurance agent. Coverage Cat users have their cancellations handled for them.

Frequently Asked Questions 

Should I Buy Delos Insurance?

Your Delos purchase should be sensitive to your risk needs and offerings on the marketplace. Compare with Coverage Cat or your own research before you buy and consider the pros and cons of any given policy.

Is Delos Insurance a Real Insurance Company?

Yes, Delos Insurance is a legitimate insurance company. It is backed by reputable carriers in the industry (Homesite and Lloyds) and offers products that help thousands of Californians a year.

Is Delos Insurance an Admitted Carrier?

Delos Insurance is a managing general agency (MGA), allowed to resell specialized risk on a carrier's behalf. This should have little if any impact on the average user's purchase and claims experience. If you'd like to learn about options available to you, try Coverage Cat.

How Does Delos Insurance Make Money?

Delos makes money because its policyholders pay it for the insurance coverage it provides. Delo's expertise on high-fire-risk properties allows them to make bets on homes that other insurers wouldn't cover at all.

Is Using Delos Worth It?

Delos Insurance can be a good fit for homeowners in California needing insurance for their properties. Delos has a history of helping those who might otherwise be pushed onto the state's FAIR plan. That said, to know if Delos is the right match for you you have to comparison shop across the market.

Reviewed By

A headshot of Max Cho, a licensed insurance broker and the founder and CEO of Coverage Cat

Max Cho Licensed Insurance Agent

I’m Max, the founder and CEO of Coverage Cat. Insurance has been a big part of my life since I lost my two front teeth in an accident and had to advocate for myself to get them replaced. Previously, I worked at Google, Microsoft, and at Two Sigma.

Licensed NPN 20377411 | Agency NPN 20397593

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