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.

Helpful Reviews

Oceanside, CA
Verified purchase
I cannot recommend Pacific Specialty enough. They gained my trust as a great company throughout several years of being my homeowners' insurance. The handling of my first claim (ev...

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Laveen, AZ
Verified purchase
I want to recognize Jesus, a manager at Pacific Specialty Insurance, for exceptional leadership and client advocacy. I initially contacted the company regarding a non-renewal issu...

Read more

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.

Still have questions?

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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    Page 1 Reviews 0 - 37
    Transparency

    Reviewed April 24, 2026

    Tried to make change myself on website and was unable to do so. Jill ** patiently walked me through the process. Update completed and endorsement was issued. Thank you Jill.

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    Staff

    Reviewed April 20, 2026

    I highly recommend Pacific Specialty! Kirk ** from Texas state was a phenomenal professional who immediately resolved the policy concern. I will definitely put all my trust to Pacific Specialty and Kirk **!!

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      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed March 20, 2026

      I cannot recommend Pacific Specialty enough. They gained my trust as a great company throughout several years of being my homeowners' insurance. The handling of my first claim (ever) this past holiday season... elevated that description to extraordinary. Melissa ** patiently spent innumerate hours to guide me in understanding the numbers, promptly responding to messages, thoughtfully and effectively advising me in navigating each step. Catherine **, while delivering prompt responses, also took a very proactive approach, with an optimistic attitude (similar to Melissa's) and made me feel better about my situation. I think there is no other way to thank them, besides sharing my experience and gratitude with other homeowners. This company has diligent, gracious, and knowledgeable people, who treat customers with high regard.

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      Customer ServiceCoverageMaintenance

      Reviewed May 25, 2026

      My insurance sent this people my claim check, and is already two months and they have sent me my money. And went you call the company they don’t answer the call. And I really need my money to fix my roof. I am desperate I don’t know what to do. The amount is 40,000 dollars.

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      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed Feb. 22, 2026

      I have Renter’s Insurance and do everything on-line. I wasn’t able to find my current Policy. Things got complicated as my Policy is in a new system that my iPad doesn’t have. Jill ** did her best to get me up to speed, but the old iPad didn’t cooperate. She very patiently tried one thing after another with still no luck. Finally she asked me what it was I needed, as I was not reporting a claim. I just needed to be able to get a paper copy so I could get a DMV Real ID. “Oh,” she said. “I can email a copy!” She stayed with me until we were sure I had it and could print it! I’m 77 and tech challenged, so it was wonderful that she was so patient and understanding! Thank you, Jill!

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      Customer ServiceRefunds & PayoutsStaff

      Reviewed Feb. 19, 2026

      I had a really great experience working with Edyanet **. My issue took a long time to research, and while I was on hold I could tell she was actively working on it. She kept coming back to reassure me, which helped a lot with my anxiety and made me confident it would actually get resolved. What impressed me most was her follow-through. She even called me back about 15 minutes before her shift ended to continue helping me. She also walked through the website with me in real time, searched my name with me, and made sure we checked everything properly so I could get the refund check I was entitled to. She was patient, thorough, and genuinely committed to helping. It felt like she cared about finishing the problem instead of just finishing the call. Excellent customer service.

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      CoverageStaffFollow-Through

      Reviewed Feb. 5, 2026

      I want to recognize Jesus, a manager at Pacific Specialty Insurance, for exceptional leadership and client advocacy.

      I initially contacted the company regarding a non-renewal issue and encountered resistance and limited support. Once Jesus became involved, the experience shifted immediately. He took ownership of the situation, thoroughly reviewed the details, and clearly outlined the steps and documentation required to reinstate my homeowners policy.

      Most notably, he listened, acted with professionalism, and followed through to resolution. Jesus sets a strong standard for his team and reflects positively on Pacific Specialty’s commitment to service and leadership.

      His approach reinforced my trust in the company and demonstrates the direct impact strong leadership has on customer retention and reputation.

      I am genuinely grateful for his time, effort, and the integrity with which he handled my case.

      With gratitude,

      Lucy.

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      Customer ServiceStaff

      Reviewed Jan. 8, 2026

      Great service. My concern was addressed and the service over the phone with Jill and Teresa helped me feel less stressed on resolving the issue with my renewal process. I’ve had this company for many years and I have always felt their service being great.

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      Customer ServiceCoverageStaff

      Reviewed Nov. 18, 2025

      Professional service on total, policy competitive on every aspect. been a customer for many years find they trustworthy from customer service, to person they always are notifiers of given you the best cover for your protection,

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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 ServiceCoverageStaff

      Reviewed Nov. 13, 2025

      I called customer service to have a policy reinstated. Jill was very personable and helpful reinstating our insurance policy. She made sure the policy was reinstated on our end before ending the call and was a joy to work with.

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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 ServiceCoveragePrice

      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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      Staff

      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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      Staff

      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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      Customer ServiceCoverageStaff

      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 Sept. 22, 2025

      I called the 800 number and spoke with Jill. She was friendly, patient, and efficiently solved my problem. I called my insurance producer's number prior to that, and they dropped my call and never called back!

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      Customer ServiceStaff

      Reviewed Aug. 26, 2025

      Very thorough conversation with customer service. Was not a scripted conversation, felt like the representative was was able to handle my needs and questions. The representative navigated to me the methods of logging in to my online account by providing links and step by step process.

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      Staff

      Reviewed Aug. 17, 2025

      Alberto was very Courteous and friendly. Alberto was able to handle my request and all of my concerns. I was thinking of switching to another company, but Alberto was able to explain and provide information into why it was better to stay with Pacific Specialty. Awesome job.

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      Customer ServiceCoverageStaffRates

      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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      Customer ServiceCoverageStaff

      Reviewed May 28, 2025

      While my claim agent, Elaina **, was helpful, responsive, and kind throughout the process—which I truly appreciated—making this experience much more tolerable—the overall experience with this insurance company was disappointing. The claims process felt unnecessarily prolonged due to a lack of clear communication between departments.

      Most frustratingly, my policy renewal was canceled because of the condition of my roof, even though an active claim was already in place and the roof was in the process of being replaced. After the roof was completed, having to spend additional time with a different department to ensure my renewal would be reinstated was another level of stress I didn’t anticipate. This showed a serious disconnect within the company and created unnecessary confusion. There is definitely room for improvement in both the efficiency of the claims process and internal communication. I hope the company takes steps to better coordinate their departments and support their policyholders more effectively in the future.

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      TechHonesty & Transparency

      Reviewed March 24, 2025

      I can't imagine a more dishonest claims adjuster than with Pacific Specialty. He induced me to use building a contractor 50 miles away, and yes, the adjuster and contractor were scratching each other's backs! DO NOT USE!

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      TechPrice

      Reviewed March 6, 2025

      Allstate quoted this company. Have never had a claim on any homeowners policy. Apparently inspector came out and I had a condition to removed wood that was stacked in the woods next to my shed. The most ridiculous thing I ever heard. And I could not burn it because of high fire danger last year. Isn’t it better to be safe than appease a dumb thing like this? Wood in the woods! SMH!!

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      CoverageRefunds & PayoutsMaintenanceStaff

      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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      Customer ServiceCoverageMaintenanceStaffBillingCommunication

      Reviewed Nov. 5, 2024

      I purchased a homeowners insurance policy in May 2024 when buying my home. Due to poor communication on the part of my insurance agent and Pacific specialty, they wound up canceling my policy, not once but twice. This has been the most stressful experience and I cannot recommend them. At all. I feel like they believe me and every time they canceled me, they had a new inspector coming out finding something new. I had to fix on the exterior of my home, which was ridiculous. One of the things they made me fix was a shed roof, and the shed was literally 100 feet from my home. Every time they cancel me, they want another full year of payment paid in full. You would think I lived in a shanty. They have proven impossible to deal with. At least in the state of Connecticut.

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      Staff

      Reviewed Oct. 8, 2024

      Representative Jill ** was very patient and knowledgeable on current changes, she took the time to explain and ensure that all information was understood. I have been with Pacific Specialty for many years and have not had any problems or complaints.

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      Customer ServiceStaffResolution

      Reviewed Oct. 7, 2024

      Cindy was very warm to talk to and resolve my issues right off hand. With her professionalism, good work ethic and excellent customer service skills, Cindy is truly an asset to your company. Thank you Cindy!

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      Customer ServiceCoverageMaintenanceTransparency

      Reviewed Sept. 20, 2024

      Recently without proper communication Pacific Specialty cancelled my insurance for a "Roof" problem we were not notified excited, they did not send a letter to notify and/or give us the opportunity to fix the problem. We never received a Non-renewal notices either! Now we are caught in between with no coverage!... They don't even answer the phone line to talk and provide an explanation, I just checked BBB website and this business is at F, with many similar cases, I emailed them directly and still haven't got anything back!

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      Staff

      Reviewed Sept. 13, 2024

      Jill is fantastic. She is helpful, friendly, kind, full of information, and provides the information I need effectively and timely matter. I actually only have the kindest, friendliest people at Pacific Specialty. All carriers should have the same customer training this company has. Kiddos to your company.

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      CoverageStaff

      Reviewed Aug. 29, 2024

      We have our renters policy with Pacific Specialty Insurance. I am very thankful that Jill answered. She not only helped me with questions but also helped me navigate through their sign on system. She made it easy! I left the conversation with all my questions answered and felt assured that we have the correct insurance for our property. Thanks.

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      Customer ServicePunctuality & SpeedStaffTransparency

      Reviewed July 23, 2024

      I had a great experience. Spencer went above and beyond with helping me with my claim. And between him and Catherine I can say that they are truly a dynamic duo. Spencer was always available for any questions I had and responded promptly with any updates.

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      Customer ServiceCoverageStaffResolution

      Reviewed July 19, 2024

      I am a customer who has recently had the opportunity to interact with your Pacific Specialty insurance team member, Jason, during the claim process. I am writing to express my sincere appreciation for the outstanding service that Jason provided. His assistance throughout the claims process was invaluable, but it was his actions beyond the call of duty that truly impressed me.

      When I was dealing with an invoice from a restoration company that tried to overcharge me above what the insurance agreed to pay and went as far as putting a lien on my house. Jason went above and beyond to help me address the issue. His meticulous attention to detail and commitment to documenting all the necessary evidence were commendable. I am certain that his diligent efforts made the case indisputable for that company, and they have now settled the invoice as “PAID” without any extra money from me or your company.

      Jason’s exceptional service has significantly enhanced my experience with Pacific Specialty. His dedication and professionalism reflect positively on your entire organization. I believe such commitment to great customer service should be acknowledged and appreciated. Thank you for having such a dedicated individual on your team. I look forward to continuing my relationship with Pacific Specialty Insurance.

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      Customer ServiceCoverageSales & MarketingPrice

      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.

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      CoverageStaff

      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

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      CoverageStaff

      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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      Staff

      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.

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      Customer ServiceCoverageTechSales & MarketingPricePunctuality & SpeedStaffBillingRates

      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!

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      Maintenance

      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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      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