Pacific Specialty Insurance

Pacific Specialty Insurance Reviews

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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.

Featured Reviews

Arvada, CO

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 ...

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Costa Mesa, CA

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...

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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.

Pacific Specialty Insurance Reviews

Stars Rating

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    Page 1 Reviews 0 - 5

    Reviewed May 9, 2024

    Jessica ** appraisal specialist was very professional and efficient and extremely caring about my situation. Also I dealt with Elaina as a customer care specialist. Again nothing but extreme care efficiency and professionalism. I will never change my company insurance. They were wonderful and great


    Reviewed April 30, 2024

    My faucet pipe burst last summer causing a major damage to our home. This had been the first time I had to deal with an insurance claim. At first I was tossed around between few adjusters, but once I landed with Catherine ** it had been a smooth and pleasant process. Catherine took ownership of my initial rough experience and was "on it" right away expediting things to make up for the lost time while patiently explaining to me the process. Everyone warned me about dealing with insurances, but thanks to Catherine my experience with Pacific Specialty was very professional and as importantly very personable at a very stressful time in my life. I am truly grateful!

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      Punctuality & SpeedStaff

      Reviewed Jan. 12, 2024

      I had a good size leak coming from the shower and it led into one of my rooms. It was a day before my father passed while he was in hospice. The timing couldn’t have been worse and I was under a lot of stress. I made a claim and had received Spencer as my claim adjuster. He went out of his way to reassure me things would be fixed in a timely matter. He spoke to me every day and gave me details for each step. He really helped me through this difficult time. I don’t normally do reviews but I wanted to make sure this company and Spencer knows how grateful, and appreciative I am of all the compassion and support they showed me and my family. Thank you.

      Customer ServiceClaims HandlingStaff

      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!

      Customer ServiceClaims HandlingStaff

      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.

      Customer ServiceClaims HandlingCoverage

      Reviewed July 1, 2024

      This company sucks. I made a claim in 2022 for my tub knobs was leaking and they asked me was there any damage to the floor and I said no it wasn’t overflowing. They told me to call my home warranty and I said oh I called the wrong home insurance/warranty. I called my home warranty and they came and fixed it. So how is that a claim and the young Lady said the notes said toilet but it was my tub. Y’all need to not do this if I called the wrong company. Y’all are crooks and I’m going to have to write our governor or whoever is in charge of home insurance. We work hard for what we have and y’all are trying to destroy what we work for. Someone needs to change the laws when it comes to home insurance because some people don’t even use it. Y’all need to be upfront about everything. It’s giving scam.

      Profile pic of the author.
      Claims HandlingStaff

      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.

      Profile pic of the author.

      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.

      Profile pic of the author.

      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.

      Customer ServicePunctuality & SpeedStaff

      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.

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      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