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
Verified purchase
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.

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Pacific Specialty Insurance Reviews

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    CoveragePriceStaff

    Reviewed Nov. 17, 2025

    We recently switched our Homeowners Insurance to Pacific Specialty from Progressive, primarily due to cost. We found the underwriting process and the startup of coverage to be a simple and pain-free experience. Better than other companies that we have used over the years. We encountered an issue with our mortgage company related to the inclusion of Pacific Specialty as additional insured that our agent failed to complete. One conversation with Jill **, our Pacific Concierge Representative, resolved the issue in a very professional manner. We are extremely pleased that we made the switch to Pacific Specialty and look forward to a lasting relationship with them.

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    Customer ServiceCoveragePriceStaff

    Reviewed Oct. 19, 2025

    I've used Pacific Specialty for my motorcycle insurance for going on 34 years now. This insurance has always been very affordable and I am able to have several motorcycles on my policy as a result. It's always been easy to get someone on the phone to change my policy for different bikes and I haven't had any snags in coverage. I can definitely recommend them.

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      Customer ServiceCoverageStaffTransparency

      Reviewed Oct. 7, 2025

      This review is in regard to the exceptional customer service provided by Jill. I am an insurance agent who partners with multiple carriers, but Pacific Specialty remains my preferred company for renters insurance. The customer service from their representatives is consistently excellent, and Jill truly went above and beyond. She provided clear, detailed, and professional guidance to ensure my request was completed smoothly. I truly appreciate her assistance and professionalism.

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      Customer ServiceCoverageStaff

      Reviewed Aug. 13, 2025

      I am rating my customer service in the time spent with me by representative Julie. She answered all my questions and was patient with my concern since it has to do with submitting photos to ensure we obtain a renewal. I am sure many people call frustrated because of how insurance is during these times. I wanted to take a moment and say thank you for having a wonderful customer service person handling calls in a professional and kind manner.

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      Reviewed Jan. 6, 2025

      There was Slab water leak and caused damaged to my home. Unfortunately HOA (Laing's of Corona Edition) was not help at all and caused lots of issues for us.

      Then, Thanks to Jessica ** and Janet ** at Pacific Specialty Insurance Co. came to rescue and helped to pay for most of the repairs during the holidays.

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      CoverageStaff

      Reviewed Nov. 6, 2025

      I am a senior, and I had such a wonderful Pacific Specialty agent help me with my insurance policy questions. His name is Alberto **. He was very patient, kind, and very knowledgeable and helpful, thank you Alberto!

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      Customer ServiceStaff

      Reviewed Nov. 5, 2025

      Jill in Customer service was very helpful. She walked me through logging in so I could print the dec pages on my rental for the mortgage company. Every time I call they handle my questions with competence and ease. They also assist with my CA Fair Plan policy. I would recommend.

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      Customer ServiceStaff

      Reviewed Oct. 17, 2025

      Had a wonderful experience working with Jill from Pacific Specialty. Makes our job easier when you work with someone like Jill; not only did she diligently assist with the support our customer and I needed but she also provided her professional feedback and knowledge on related topics. Thank you, again, Jill!

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      Customer ServiceStaff

      Reviewed Oct. 17, 2025

      Extremely productive. Jill was incredibly knowledgeable and helpful. Also extremely polite and professional. Can’t thank her enough. Made the whole experience. So easy to deal with. Don’t know what I would’ve done if she didn’t go above and beyond. Thank you

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      CoverageSales & MarketingStaff

      Reviewed Oct. 14, 2025

      Very Friendly, informative, and consumer-oriented! The staff was welcome and helped me get the most out of my insurance. They did not make me feel like I was being scammed, unlike how car insurance companies act.

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      Pacific Specialty Insurance Company Information

      Company Name:
      Pacific Specialty Insurance Company
      Company Type:
      Private
      Ticker Symbol:
      N/A
      Year Founded:
      1989
      Address:
      3601 Haven Avenue
      City:
      Menlo Park
      State/Province:
      CA
      Postal Code:
      94025
      Country:
      United States
      Fax:
      (714) 998-3158
      Website:
      www.pacificspecialty.com