For millions of Californians, we're the only company offering affordable home insurance.
We can provide insurance for low-risk homes in wildfire areas because we’re the only company that knows which homes are actually low-risk.

Recent wildfires in California taught the insurance industry a $25B lesson: The wildfire models they had been using to assess risk were completely inaccurate.

Few Options

350,000 homeowners policies in CA were nonrenewed, leaving homeowners desperate to find coverage.

High Cost

Rates have increased as much as 400%, with average premiums doubling in the last 3 years.

High Risk

Most insurance companies continue to be exposed to high risk because of the limitations of the current industry risk models.

Delos has built the best model in the world for understanding wildfire risk. Our industry-leading model, based on novel data and cutting-edge AI, allows us to safely offer coverage in a market with very limited options.

Artificial Intelligence

Our technology uses superior input data and science-based artificial intelligence.

Accurate Models

Other risk models failed to predict fire risk, but our models correctly predicted fire risk in locations that burned.

Disaster Prevention

Our dynamic data enables us to proactively send homeowners personalized advice for home hardening as their risk changes.

"Delos uses satellite imagery and AI to help homeowners in wildfire areas get insurance."
"Delos can underwrite and price insurance for homes that may have been considered high risk by other insurers but actually have a low exposure to wildfire."
"Some insurers still see opportunity in the California insurance market [...] companies such as Delos Insurance [...] have entered the market."

Watch our founders present our story at TechCrunch Disrupt:

"We'd like to thank you for the support and your help getting coverage for our house. At a very stressful time you guys came through for us and got us the coverage we needed. We hope to be in business with your company for a long time."
- Jim & Lori, Arnold, CA
"Tom Pratt knows this business inside and out. He’s a super nice guy, and easy to work with. He saved us 40% off of the policy we almost went with, and Tom’s was a much better policy. I can’t recommend him enough!"
- Mark & Sandra H, Murphys, CA
"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.
- Marty L, Calaveras County
If you would like to work with us, please say hello.