Pacific Specialty Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Pacific Specialty Insurance Score
3.5 Stars
We award Pacific Specialty Insurance Company a final rating of 3.5 out of 5 stars. The insurance company has a high rating from AM Best. However, the carrier is not rated or accredited by the Better Business Bureau (BBB).
Pacific Specialty Insurance Company is the flagship of the McGraw Group of Affiliated Companies and is recognized as an industry leader in motorcycle and personal watercraft coverage. The company also offers coverage for personal autos, homeowners, renters, boats, mobile homes, and more.
Founded in 1989, Pacific Specialty writes policies in all 50 states and DC. The company is based in Menlo Park, CA. Pacific Specialty's policies are sold exclusively through independent insurance agents. Additionally, it offers numerous policy options, several discounts, and flexible payment plans for most of its policies.
Thanks to its many coverage and discount options, combined with its experience and strong financial stability, we recommend looking into Pacific Specialty with your independent insurance agent to be your next trusted carrier.
Pacific Specialty Insurance Company Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Pacific Specialty Insurance Products by Type
Pacific Specialty offers several types of personal insurance coverage, including:
Home & Property Insurance:
- Homeowners insurance
- Renters insurance
- Condo and townhouse insurance
- Mobile home insurance
- Earthquake insurance
- Flood insurance
- Personal umbrella insurance
- Comprehensive personal liability insurance
Vehicle & Auto Insurance:
Pacific Specialty Homeowners Insurance Average Prices
Pacific Specialty does not readily provide its average home insurance rates. Interested customers can find an agent through the official website or contact the carrier directly.
An independent insurance agent can help you obtain quotes for policies from Pacific Specialty. You can also find a better idea of how much home insurance might cost you with our home insurance calculator.
What Discounts Does Pacific Specialty Offer?
Pacific Specialty offers a variety of discounts to its policyholders, including the following:
Motorcycle Insurance Discounts:
- Safety course completion discount
- Anti-theft device discount
- Military enlistment discount
- Policy transfer discount
- Anti-lock brake system discount
Personal Watercraft Insurance Discounts:
- Rider association discount
- Multi-unit discount
- Boater safety course discount
Homeowners, Renters, and Mobile Home Insurance Discounts
- Multi-policy discount
- Senior citizen discount
Pacific Specialty also takes a unique approach to policy bundling. The company’s home-auto specialty bundle allows policyholders to save money when they bundle a Pacific Specialty home insurance policy with an auto insurance policy from another carrier. This allows customers to still enjoy the savings of a bundling discount despite having coverage from another insurance company.
Connect with a Pacific Speciality Agent Today.
Shopping for insurance? Pacific Speciality Insurance has you covered.
Pacific Specialty Customer Service
Here’s an overview of the customer service options offered by Pacific Specialty:
- Phone
- Fax
- Snail mail
- Online customer portal
- Customer service phone department has the following hour restrictions:
| Days | Hours (PST) | ||
| Monday-Friday | 8 a.m. – 5:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
When it comes to outstanding customer service, an independent insurance agent has got you covered. Independent insurance agents can not only help you find the coverage you need, but also maintain your policy, file claims, and even change or cancel your coverage down the line.
Pacific Specialty Insurance FAQs
Pacific Specialty doesn't offer a specific claims response time frame promise on its official website. Customers can file claims by phone or fax.
Pacific Specialty offers multiple ways for customers to contact them. Customers can contact the insurance company by phone, email, fax, or via Facebook, X, YouTube, or LinkedIn. Customer service phone hours are limited to Monday through Friday.
Though Pacific Specialty does not outline its claims process in depth on its official website or social media pages, the carrier does work with a network of independent insurance agents, who can file claims for you. Your agent can get in touch with the carrier and guide you through the entire claims process after you've filed. They can also keep you updated on ETAs for receiving reimbursement.
Pacific Specialty’s website is visually appealing and easy to navigate. Customers are provided with several methods of getting in touch with the carrier if they need to.
The insurance company also has a social media presence that extends across Facebook, X, YouTube, and LinkedIn. However, there is no 24/7 claims reporting, and details about the claims process and claims reporting are limited. Overall, Pacific Specialty offers a fairly user-friendly experience.
Pacific Specialty offers motorcycle insurance policies that can include bodily injury liability coverage, property damage liability coverage, uninsured or underinsured motorist coverage, and personal injury protection (PIP), depending on the state. The company offers motorcycle insurance policies with liability limits of up to $250,000/person and $500,000/accident.
Motorcycle riders can also purchase comprehensive and collision coverage that includes $2,000 in coverage for accessories at no additional charge. This coverage includes aftermarket parts as well as riding apparel like helmets, leathers, boots, and gloves.
Overall, Pacific Specialty is an excellent option for motorcycle insurance. An independent insurance agent can help you find out more about the carrier's motorcycle insurance and other policies.
Pacific Specialty has received a high rating from AM Best but is not rated or accredited by the BBB. The carrier doesn't offer 24/7 claims reporting. Coverage is available nationwide. Overall, Pacific Specialty can be considered a good insurance company.
Pacific Specialty can be a great fit for people looking for certain types of specialty personal insurance policies. The carrier specializes in power sports insurance and other personal insurance policies.
https://www.pacificspecialty.com
https://ratings.ambest.com/CompanyProfile.aspx?ambnum=11148&AltNum=37411148
https://www.bbb.org/us/ca/anaheim/profile/insurance/pacific-specialty-insurance-1126-1000077215