Delos Insurance

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. Get Customer Support Or File A Claim For Delos Insurance
8. Frequently Asked Questions

Introduction to Delos Insurance

Delos Insurance, a San Francisco-based company founded in 2017 focused on Californians, specializes in homeowners insurance where fire risk is an impediment for the national home insurers that remain in the state in 2024. Known for competitive prices.

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

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.