Delos Revolutionizes Home Insurance for Over a Million California Houses in Wildfire Zones
On March 23, 2026, in a significant step towards safeguarding homes in wildfire-prone areas, Delos Insurance Solutions announced that it has expanded its insurance eligibility to over 1 million households across California. This announcement coincides with Climate Awareness Day, highlighting the urgency for communities to tackle climate challenges together. The move comes as California's insurance landscape faces continuous upheaval, prompting homeowners to seek proactive solutions.
In recent months, California's insurance market has grappled with instability. Insurers are frequently announcing the non-renewal of policies, further straining the resources of homeowners seeking coverage. In fact, from September 2024 to December 2025, enrolment in the FAIR Plan, the state’s last-resort insurance option, surged by 43%, reaching approximately 668,609 policies. Mark Sektnan, a key representative from the American Property Casualty Insurance Association, painted a significant picture of concern when he described the California insurance market as operating in a fragile state.
Against this challenging backdrop, Delos Insurance Solutions has emerged with a unique proposition. The company utilizes advanced wildfire science to determine insurance underwriting, allowing it to offer comprehensive policies where other insurers see insurmountable risk. Delos has successfully utilized its proprietary wildfire risk model to project all major wildfires over the past six years. Remarkably, despite the devastating fires that struck Los Angeles last year, Delos reported zero fire losses, signifying the efficacy of its risk assessment methods.
The influx of eligibility for coverage extending to 1 million homes primarily stems from two pivotal factors. The first is the company's growing conviction in its refined wildfire risk model, which has incorporated 270,000 homes located in Southern California counties around the Eaton and Palisades fire footprints. These enhancements are backed by high-resolution wind data and other vital datasets that assess suppression efficiencies and urban fire risk potentials.
The second factor highlights the confidence instilled in new and existing 'A' rated providers, who have ramped up Delos' underwriting capacities. This has positioned Delos to offer coverage for 12 million homes throughout California, including many areas considered high-risk by traditional insurers. Notably, Delos' analysis reveals that roughly 65% of regions classified as too risky by other providers could, in effect, be deemed viable for coverage under its innovative wildfire model. Furthermore, over half of the homes reliant on the California FAIR Plan can switch to Delos' clear and unified comprehensive policies.
Kevin Stein, CEO of Delos Insurance Solutions, emphasized the ongoing struggle many homeowners face in procuring insurance in California. "It is our mission to change that," he stated, elaborating on the company’s ongoing endeavors to innovate ways for homeowners to access both insurance and mortgage solutions, effectively improving wildfire resilience within these communities. According to Stein, offering insurance to over 1 million more homes since the catastrophic LA fires represents a monumental achievement. He remains steadfast in Delos’ commitment to extending these services throughout various wildfire-impacted areas across the Western U.S.
Delos Insurance Solutions operates under a model that is rooted in community enhancement. To this end, the company has initiated numerous partnerships and projects aimed at not just providing transactional insurance, but also fostering better education, resilience, and general affordability in communities vulnerable to wildfire threats. Some notable collaborations have been established with InnSure, a non-profit dedicated to finding innovative climate-risk insurance solutions, and ROAR Partners, which specializes in pre-disaster risk mitigation. Close relationships are also maintained with critical organizations like CAL FIRE and the California Fire Safety Council.
Delos’ diverse range of offerings includes HO-3 policies for primary, secondary, or seasonal homes, as well as policies tailored for vacant properties. Homeowners can access these insurance products through Delos' extensive network of over 14,000 brokerage and agent partners based in California. Importantly, the integrity of Delos' operations is cemented through partnerships exclusively with AM Best 'A' Rated or Demotech 'A' Rated carriers.
Founded in 2017 in San Francisco, Delos Insurance Solutions brings cutting-edge technology to the forefront of home insurance, utilizing data analytics and machine learning to refine underwriting practices. Recognized for its technological innovation, Delos has achieved accolades including the Insurance Luminary award and listings in top financial technology rankings. With grassroots roots in California, the management team at Delos understands that this mission transcends business—it is a personal commitment to enhancing the safety and security of communities against wildfire risks. This effort to advance insurance inclusion reflects a broader ambition: to pave the way toward a sustainable and protected future for those at risk.
In recent months, California's insurance market has grappled with instability. Insurers are frequently announcing the non-renewal of policies, further straining the resources of homeowners seeking coverage. In fact, from September 2024 to December 2025, enrolment in the FAIR Plan, the state’s last-resort insurance option, surged by 43%, reaching approximately 668,609 policies. Mark Sektnan, a key representative from the American Property Casualty Insurance Association, painted a significant picture of concern when he described the California insurance market as operating in a fragile state.
Against this challenging backdrop, Delos Insurance Solutions has emerged with a unique proposition. The company utilizes advanced wildfire science to determine insurance underwriting, allowing it to offer comprehensive policies where other insurers see insurmountable risk. Delos has successfully utilized its proprietary wildfire risk model to project all major wildfires over the past six years. Remarkably, despite the devastating fires that struck Los Angeles last year, Delos reported zero fire losses, signifying the efficacy of its risk assessment methods.
The influx of eligibility for coverage extending to 1 million homes primarily stems from two pivotal factors. The first is the company's growing conviction in its refined wildfire risk model, which has incorporated 270,000 homes located in Southern California counties around the Eaton and Palisades fire footprints. These enhancements are backed by high-resolution wind data and other vital datasets that assess suppression efficiencies and urban fire risk potentials.
The second factor highlights the confidence instilled in new and existing 'A' rated providers, who have ramped up Delos' underwriting capacities. This has positioned Delos to offer coverage for 12 million homes throughout California, including many areas considered high-risk by traditional insurers. Notably, Delos' analysis reveals that roughly 65% of regions classified as too risky by other providers could, in effect, be deemed viable for coverage under its innovative wildfire model. Furthermore, over half of the homes reliant on the California FAIR Plan can switch to Delos' clear and unified comprehensive policies.
Kevin Stein, CEO of Delos Insurance Solutions, emphasized the ongoing struggle many homeowners face in procuring insurance in California. "It is our mission to change that," he stated, elaborating on the company’s ongoing endeavors to innovate ways for homeowners to access both insurance and mortgage solutions, effectively improving wildfire resilience within these communities. According to Stein, offering insurance to over 1 million more homes since the catastrophic LA fires represents a monumental achievement. He remains steadfast in Delos’ commitment to extending these services throughout various wildfire-impacted areas across the Western U.S.
Delos Insurance Solutions operates under a model that is rooted in community enhancement. To this end, the company has initiated numerous partnerships and projects aimed at not just providing transactional insurance, but also fostering better education, resilience, and general affordability in communities vulnerable to wildfire threats. Some notable collaborations have been established with InnSure, a non-profit dedicated to finding innovative climate-risk insurance solutions, and ROAR Partners, which specializes in pre-disaster risk mitigation. Close relationships are also maintained with critical organizations like CAL FIRE and the California Fire Safety Council.
Delos’ diverse range of offerings includes HO-3 policies for primary, secondary, or seasonal homes, as well as policies tailored for vacant properties. Homeowners can access these insurance products through Delos' extensive network of over 14,000 brokerage and agent partners based in California. Importantly, the integrity of Delos' operations is cemented through partnerships exclusively with AM Best 'A' Rated or Demotech 'A' Rated carriers.
Founded in 2017 in San Francisco, Delos Insurance Solutions brings cutting-edge technology to the forefront of home insurance, utilizing data analytics and machine learning to refine underwriting practices. Recognized for its technological innovation, Delos has achieved accolades including the Insurance Luminary award and listings in top financial technology rankings. With grassroots roots in California, the management team at Delos understands that this mission transcends business—it is a personal commitment to enhancing the safety and security of communities against wildfire risks. This effort to advance insurance inclusion reflects a broader ambition: to pave the way toward a sustainable and protected future for those at risk.
Topics Financial Services & Investing）
【About Using Articles】
You can freely use the title and article content by linking to the page where the article is posted.
※ Images cannot be used.
【About Links】
Links are free to use.