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About Pacific Specialty Insurance
Pacific Specialty offers homeowners insurance and a variety of other coverages. It provides multipolicy discounts (including savings for bundling with auto coverage from any insurer) and flexible payment plans. The company doesn’t let you purchase insurance online, but you can work with a local agent to find out if it suits your needs.
I have had several positive experiences with Pacific Specialty Insurance… When the hail storm hit, the claim was paid. It was as simple as that. I have several neighbors who were ...Read full review
Both my home and my boat are insured with Pacific Specialty and the process to get insured was painless and pleasant. Their customer service is excellent… I really appreciate that...Read full review
What is Pacific Specialty home insurance?
Pacific Specialty is an insurer that provides property coverage for a variety of homeowners and home types, including:
- Traditional homeowners insurance: In the event of a total loss, Pacific Specialty’s homeowners insurance offers extended replacement cost coverage above the dwelling limit to make sure you have enough to rebuild. The policy also pays for living expenses while your home is being repaired.
- Renters insurance: Like its home insurance, Pacific Specialty’s renters insurance offers replacement cost coverage, as well as liability protection.
- Condos/townhomes insurance: Pacific Specialty offers identity theft protection through its condo and townhouse policies.
- Mobile homes insurance: Pacific Specialty’s mobile home coverage is designed for single- and double-wide homes, with primary, rental or seasonal occupancy and added coverage for golf carts. Seniors are eligible for mobile home policy discounts.
Pacific Specialty also provides liability, powersports and watercraft insurance, as well as earthquake insurance up to $2.5 million, which you can purchase as an addition to home insurance or as a standalone policy. Earthquake coverage includes up to $100,000 for loss of use and enhanced coverage options for pools and valuables.
How does Pacific Specialty home insurance work?
Because the company specializes in home insurance, Pacific Specialty lets you bundle your home coverage with any other carrier’s auto policy. You can customize your policy to fit your needs, with an add-on liability coverage option for extra property protection (up to $2 million).
To insure a home with Pacific Specialty, you’ll need to take inventory of your belongings. In the event of a claim, you will need to provide the following information:
- Original purchase price
- Original purchase date
- Receipts or supporting documents
- Personal photographs
- Warranty cards
- Service receipts
- Credit card statements
- Canceled checks
- Any other supporting evidence of ownership
Pacific Specialty typically resolves claims within 40 days.
Pacific Specialty home insurance quotes and costs
Pacific Specialty’s home insurance prices aren’t available online, but you can contact its customer service to get a quote. Factors that influence property insurance premiums include:
- Age of dwelling
- Roof age and type
- Home construction type
Pacific Specialty’s deductible options range from $500 to $5,000. The company offers flexible payment plans, and you can save money by bundling policies. The company will work with your bank if you prefer to pay from an escrow or impound account.
Pacific Specialty home insurance FAQ
Where is Pacific Specialty home insurance available?
Pacific Specialty’s home insurance is available in all 50 states. Search for a local office by ZIP code on the company website.
Where is Pacific Specialty located?
Pacific Specialty is located in Palo Alto, California. Its independent agents have offices in locations throughout the U.S.
Can I file home insurance claims online with Pacific Specialty?
No, Pacific Specialty doesn’t offer home insurance claims service online.
Does Pacific Specialty home insurance cover mold?
Pacific Specialty’s website doesn’t state whether or not its home insurance policies cover mold damage; ask your agent about this coverage option.
Is Pacific Specialty home insurance worth it?
If you need flexible property insurance with options for enhanced liability coverage, Pacific Specialty might be a good fit. Some California customers will appreciate the recent rate reductions in HO3 insurance and its earthquake insurance option. Mobile homeowners will also find a range of suitable coverage. Though you can’t compare quotes or sign up for service online, Pacific Specialty’s local agents work directly with you to find the right coverage.
ConsumerAffairs has collected 75 reviews and 49 ratings.
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Reviewed Nov. 28, 2023
I am an Independent agent and I write with over 20 different home carriers. PSIC is by far one of my favorite companies to work with in terms of claims, billing, customer service and underwriting. They have their customer service in the United States which is wonderful, you can actually get someone on the phone and they can get something done.
Unfortunately, the majority of the people who leave negative reviews don't have a touch on the reality of today's current economy and issues. PSIC is not in control of supply chain, transportation, availability of electrical materials, plumbing materials, building material and labor, just to name a few. These are issues that PSIC has to work with as well as all Insurance providers and customers are just going to have to adjust. PSIC doesn't hire the contractor's and skilled labor, they have to wait just like the client does and unfortunately, this is new normal. Be thankful that you can speak with someone in the United States, receive a response in a timely manner and get someone on the phone that is accountable and responsive.
While other companies are increasing their rates by 20 - 35%, PSIC is still making homeowners insurance affordable. My Territory Sales Manager, Steve ** is amazing, he responds to my questions almost immediately and he always gets me an answer. I look forward to working with PSIC and watching them grow and offer more products to my clients. My advice to those who are frustrated with their claim, call your agent and get them involved to resolve the issue!
Reviewed Nov. 2, 2023
Overall satisfied, claim adjuster did the best she could and worked with everything that was need for all. Understood the all she explained on the work and the repairs, answered all my questions and concerns.
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Reviewed July 19, 2023
We had a very unfortunate incident that occurred and Chelsea was our claims adjuster. She was so accommodating and easy to work. Her communication was excellent, she answered and helped us with everything we needed, not to mention very patient with us. What we were dreading to deal with, Chelsea made our process so seamless and quick for us. Thank you, Chelsea, we are so grateful for your support.
Reviewed May 27, 2023
I had a sudden flood in my house and they took care of everything right away. They were even patient with me even though I got upset, I didn't mean to be. It's just everything happened all of a sudden and even though I was upset it took their time with me to help me understand what was going to happen and they did take care of everything. Thank you so much Pacific Specialty. I'm happy my home is back in order as though it never happened.
Reviewed May 17, 2023
Funny I read a few other reviews that were not favorable. My 1st impression is approach. A lot of what you get is what you put out. My experience was extremely rewarding. I spoke with 2 persons Chealsey & her supervisor. Both were understanding and reassuring. I did get multiple quotes, I took the one that fit my requirements and there were no rebukes to my choice. Maybe I just got lucky and the stars were aligned, but I get to reap the benefits. I'm pleased with everything so far. Just waiting for the replacement to happen.
Reviewed March 8, 2023
Incompetent comes to mind because for the 3rd year in a row my lender had to beg for a billing statement in order to make my yearly insurance payment through my escrow. The 1st year, I thought it was just a fluke because it was just starting (and almost didn't) then the 2nd year it happened again and I happen to have caught it in time. By this 3rd year and with a 2nd lender, it happened again. The common denominator is Pacific Specialty. They did not give my lender the needed documents for my lender to pay the yearly premium until AFTER the premium was due (and this was after multiple calls to my agent - which alone is a joke - I actually preferred working with the company directly until this 3rd time).
After having been given the information and my lender sending the payment, my policy was then cancel for lack of payment. I have tried multiple times to make contact - they are not answering the phone nor are they responding to emails. Incomprehensible to me that a company will deny the financial provider the documentation needed to make a payment and THEN cancel a policy for LACK OF PAYMENT that was sent. While I honestly couldn't stand dealing with my insurance agent, I appreciated the help I had received in the past from the individuals at the company.
I didn't originally pick this company, it was part of the closing process and it wasn't a big issue for me at the time because my other insurance company hadn't picked up home policy yet....Needless to say I'll be contacting them today about it. I wish I had read the freaking reviews and gone with another company....This one is a joke!!!! FYI - Geico has proven to be the best insurance company I've dealt with and it's them I'm going to seek homeowners policy....Pacific specialty will never have my business again.
Reviewed Oct. 15, 2022
Pacific Specialty caters to despicable building contractors instead of their clients. P.S. adjuster approved thousands of dollars of fraudulent contractor supplements and refuse to reimburse their client for legitimate expenses. They claim "Good Faith" but far from it!
Reviewed July 28, 2022
This is the worst insurance company I ever gone with. The pipe on my kitchen sink got a small hole due to corrosion and I filed a claim. The adjuster Kimberly ** was rude and made me feel like a criminal off the bat. Pretty much right away made it seem they'll deny my claim but after when I asked how long will it take to get a answer she snapped and said she barely got my claim 30 mins ago. Shows they are quick to get the yearly premium but when it come down to a actual claim they have no plans to pay on a claim. Their motto policy holders come first is **. In this stressful time in our lives not only were they rude and snappy but pretty much make their customers feel worse. Do yourself a favor and get another company.
Reviewed April 11, 2022
I was trying to get a quote and call them but I have speaking problems a this girl help me a lot with my quote, was patient with me and help me a lot with emails. From beginning to the end, she is so kind!
Reviewed Nov. 24, 2021
I got overall good customer service once my calls were returned. I have no real complaints considering the business of the times post-storm in the area. I would recommend this company to friends & family.
Pacific Specialty Insurance Company Information
- Company Name:
- Pacific Specialty Insurance Company
- Company Type:
- Ticker Symbol:
- Year Founded:
- 3601 Haven Avenue
- Menlo Park
- Postal Code:
- United States
- (714) 998-3158
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