
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.
Pacific Specialty Insurance Reviews
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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.
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!
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
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.
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.
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!
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.
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.
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.
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.
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!
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!!
Reviewed Jan. 6, 2025
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.

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.
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.
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!
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!
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.
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.
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.
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.
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.
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!
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.
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!

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.
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.

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.

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.
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
