Pacific Specialty Insurance Company Review

What you need to know about Pacific Specialty.

Pacific Specialty Insurance Company at a Glance

Here’s what you need to know about Pacific Specialty Insurance Company. An independent insurance agent can help you evaluate if Pacific Specialty is right for you.

  • Coverage from Pacific Specialty is available only through local independent insurance agents and brokers
  • Pacific Specialty operates as an admitted insurance company in all 50 states and the District of Columbia.
  • Known primarily as a specialty powersports insurer specializing in boats, motorcycles, and more
  • Also offers homeowners insurance and several other personal insurance options
  • Accredited and rated A+ by the Better Business Bureau
  • Rated A- (Excellent) by AM Best

Pacific Specialty pros: Pacific Specialty offers a variety of discounts and flexible payment plans, depending on the product. Unique approach to bundling offers a multi-policy discount for bundling an auto policy from any carrier. The company markets its products entirely through independent insurance agents and brokers. It offers an online search feature to find a local agent.

Pacific Specialty cons: No online claims reporting or service.

What Type of Insurance Does Pacific Specialty Offer?

Pacific Specialty offers the following types of personal insurance policies.

  • Homeowners insurance
  • Renters Insurance
  • Condo insurance
  • Mobile home insurance
  • Earthquake insurance
  • Powersports insurance, including motorcycle, ATV, boat, and personal watercraft coverage
  • Personal umbrella insurance

You can find out more about the insurance company’s offerings by visiting its website or using our insurance company directory 

What to Know about Pacific Specialty

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 auto, homeowners, dwelling fire, boat, and mobile home insurance policies, and more.

Pacific Specialty writes policies in all 50 states as well as the District of Columbia. The company is based in Menlo Park, CA.

Pacific Specialty policies are sold exclusively through independent insurance agents. The company is rated A- (Excellent) by AM Best. AM Best is a credit rating firm that assesses the creditworthiness of and/or reports on over 16,000 insurance companies worldwide. The AM Best rating points to the insurance company’s ability to pay claims, debts, and other financial obligations in a timely manner. Customers can expect that the company has the necessary cash reserves to pay out claims, an essential factor in evaluating any insurance company before purchasing a policy.

Pacific Specialty has also earned accreditation from the Better Business Bureau and an A+ rating.

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
  • Rider association discount
  • Anti-lock brake system discount
  • Multi-policy/multi-cycle discount
  • Mature driver discount
  • Experienced rider discount
  • Good driver discount
  • First responder discount
  • Off-road/ATV Insurance Discounts
  • Anti-theft device discount
  • Military enlistment discount
  • Policy transfer discount
  • Rider association discount
  • Multi-policy discount
  • First responder discount
  • Boat Insurance Discounts
  • Boater safety course discount
  • License or degree discount
  • Protective device discount
  • Multi-policy discount
  • Multi-boat discount

Personal watercraft insurance discounts

  • Rider association discount
  • Multi-unit discount
  • Boater safety course discount

Homeowners, renters, and mobile home insurance discounts/mobile home

  • Multi-policy discount
  • Senior citizen discount

Pacific Specialty also has 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.


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Pacific Specialty Customer Service

Here’s what you need to know about Pacific Specialty’s customer service offerings.

  • Customer service is available by phone, email, and fax
  • Online customer portal
  • Customer service department has the following hour restrictions

Hours (PST)

Monday-Friday 6:30 am – 5:30 pm

Pacific Specialty FAQ

What is Pacific Specialty’s average claim response time frame?

Pacific Specialty does not make available any information about its average claim response time frame.

What is Pacific Specialty’s customer service availability?

There are a few ways that you can contact Pacific Specialty if you have questions about your insurance policy. Customers can contact the company by phone, email, fax, or via Facebook, Twitter, or LinkedIn. Customer service phone hours are limited to Monday – Friday, 6:30 am to 5:30 pm, PST.

What is Pacific Specialty claims process?

Pacific Specialty’s official website provides minimal information on how to file a claim or its general claims process.

Customers can file a claim by phone or fax during regular business hours.

Does Pacific Specialty create a user-friendly experience for customers?

Pacific Specialty’s website is visually appealing and easy to navigate, but it provides minimal information about policy specifics, the company history and management, its financial strength, and even its relationship with its parent company and other subsidiaries.

A FAQ section on the website (basically the only form of online customer support) has quite a few helpful questions regarding the product lines, but the answers are brief. Customers can pay online or access an online portal for policy information.

Pacific Specialty does have a robust social media presence, including on Facebook, Twitter, and LinkedIn.

Does Pacific Specialty have good motorcycle insurance?

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 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.

Pacific Specialty is a good option for motorcycle insurance.

Is Pacific Specialty a good insurance company?

The insurance company has received high ratings from AM Best and the BBB, and specializes in powersports insurance and other personal insurance policies. Customer satisfaction varies, but overall, Pacific Specialty can be considered to be a good insurance company for people looking for certain types of specialty personal insurance policies. The company may not be the right choice for everyone.

Pacific Specialty Customer Reviews

Consumer Affairs
“Over the years I have had a very good experience with Pacific Specialty. After many years with them, the first time I had to make a claim has been just recently. I was/am truly impressed with how professional, efficient, helpful and overall easy to talk to and always available my adjuster was when I had questions. I will be referring this company to everyone I know who owns or rents property in California.”
Consumer Affairs
“Their client ran into my son's car. It was clearly their client's fault. After 3 months they still haven't responded to my insurance's request for claim settlement. They don't answer phones, they don't return messages, they don't return emails. They are doing everything they can to hide from paying out a claim. It is pretty much fraud. Stay away from this company.”
Better Business Bureau
“Our house had a water damage last summer. The claim process took a very long time. It was really hard to get contact with our adjuster. They started working on the bill from the dry company after more than two months. This caused our house was put on a lien. The insurance company only paid about the half amount of money on the bill. So we had to pay $3000+ out of pocket to the dry company and finally got the lien removed. Now after filing the claim with the insurance company six months, we are still waiting for the response about the meal reimbursement during the reconstruction process. I already emailed the adjuster of the receipts three times since last November, but never got replied. It's terrible!”
“They have really competitive rates and I have never had any issues with them. I am very happy with their service. They are very nice on the telephone and always willing to help and answer any questions I have.”
“I had water damage in my kitchen from a burst pipe. The claim was denied. The company makes it very difficult to find the necessary information for disputing the claim, and I'm not happy. I will not renew my policy with this company.”'s Final Review

We award Pacific Specialty a final rating of 2.0 out of 5 stars. The company has high ratings from AM Best and the BBB, so customers can be assured that it has the ability to pay claims as promised, which is one of the most important factors in choosing an insurance company. 

The carrier provides personal insurance for individuals in all 50 states, but specializes in powersports insurance. It offers numerous policy options, several discounts, and flexible payment plans for most of its policies.

Pacific Specialty markets its policies exclusively through independent insurance agents. Online quotes are not available, and claims services are limited. The company does not offer auto insurance, but instead offers a unique auto-home bundling discount if the policyholder purchases auto insurance from any other carrier using the same producer.

Customers report both positive and negative experiences with the carrier, with the negative outweighing the positive.

All in all, we recommend considering Pacific Specialty in addition to other carriers when you are shopping for powersports insurance, home insurance, motorcycle insurance, or other personal insurance policies.

Use our national insurance company directory to find the best insurance companies to meet your needs. You can locate companies that specialize in your specific coverage needs and get connected to an agent near you.

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