Pacific Specialty Insurance

Pacific Specialty Insurance

 1.8/5 (65 reviews)
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Overall Rating1.8 out of 5
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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.

Top Pacific Specialty Insurance Reviews

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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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

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Verified Reviewer
Original review: 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.

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Verified Reviewer
Original review: 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.

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    Verified Reviewer
    Original review: 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.

    3 people found this review helpful
    Verified Reviewer
    Original review: 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!

    4 people found this review helpful
    Verified Reviewer
    Original review: 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.

    10 people found this review helpful
    Verified Reviewer
    Original review: 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!

    3 people found this review helpful
    Verified Reviewer
    Original review: 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.

    3 people found this review helpful
    Verified Reviewer
    Original review: Oct. 12, 2021

    My vehicle was into broken into 5/2021. It's now 10/2021. No payment on loss. Darren ** an "investigator" repeatedly made me feel undermined, insulted, and disrespected. This caused me to search for more reviews on this company. From reading reviews on Consumer Affairs/BBB and other outlets shows this is their culture. Several customers have complained about him however his behavior still seems to be tolerated. This entire claim process physically and emotionally drains one's energy where you just are FORCED to walk away and accept it as a loss. as many others have.

    I must say the level of disrespect would be considered racist but it seems like other background of people have gone through the same or not. After providing MONTHS of documentation yet the stalling tactics continue until you have nothing else to provide then they close/deny claim due to not cooperating? After a while one can tell this company's poor consumer reviews on all outlets speaks volumes that any needing coverage to STAY FAR AWAY FROM.

    6 people found this review helpful
    Verified Reviewer
    Original review: Sept. 24, 2021

    Turning up was much faster and easier than expected. Deborah was super nice and friendly, let me know all of my options, and wasn't pushy in the slightest. I got signed up with policy that fit all my needs and was not nearly as expensive as other quotes that I've gotten.

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    Verified Reviewer
    Original review: Aug. 3, 2021

    They are always pleasant to deal with, they make it easy to renew my policy. When I have needed them, they made their part the most easy. The towing option is a life saver too! Their prices are competitive if not better than others in this field. How many companies have you been with for 20 year, that you can't ever remember a problem with? I wish everything was a responsive and well run.

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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