Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.
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
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 reviewBoth 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 reviewWhat 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
Filter by Rating
- (23)
- (2)
- (2)
- (52)
Popular Mentions
- 4,550,757 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,550,757 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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