Pacific Specialty Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Pacific Specialty Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Trusted Choice's Pacific Specialty Insurance Score

4 Stars

We award Pacific Specialty a final rating of 4 out of 5 stars. The insurance company has high ratings from AM Best and the BBB, so customers can be assured that it can pay claims as promised, which is one of the most important factors in choosing an insurance company. Pacific Specialty also offers many types of coverage to meet the needs of a vast and varying customer base.

The carrier provides personal insurance for individuals in all 50 states. Additionally, it offers numerous policy options, several discounts, and flexible payment plans for most of its policies. We also love that they work with a team of independent insurance agents to provide customers with a more personalized, comprehensive experience. 

Thanks to their many coverage and discount options mixed with their experience, high ratings, and strong financial stability, we highly recommend looking into Pacific Specialty with your independent insurance agent to be your next trusted carrier.

Pacific Specialty Insurance Company at a Glance

  • Founded in 1988
  • Offers several types of coverage
  • Rated "A-" (excellent) by AM Best
  • Rated "B" by the Better Business Bureau (BBB)
  • Solid financial strength
  • Many discounts available
  • Works with independent insurance agents

Pacific Specialty Pros:

  • Offers a variety of discounts and flexible payment plans
  • Offers a multi-policy discount for bundling an auto policy from any carrier
  • Offers multiple types of coverage
  • Sells coverage through independent insurance agents and brokers
  • Excellent ratings by AM Best and the BBB
  • More than 30 years of experience in the insurance industry.

Pacific Specialty Cons

  • Detailed claims process not available on the official website

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.

What Type of Insurance Does Pacific Specialty Offer?

Pacific Specialty offers several types of personal insurance coverage, including:

  • Homeowners insurance
  • Renters Insurance
  • Condo/townhouse insurance
  • Mobile home insurance
  • Earthquake insurance
  • Flood insurance
  • Off-road/ATV insurance
  • Motorcycle-street insurance
  • Boat insurance
  • Personal watercraft insurance
  • Personal umbrella insurance
  • Comprehensive personal liability insurance

An independent insurance agent can help you decide if any of Pacific Specialty's insurance products are right for you.

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 coverage for personal autos, homeowners, renters, boats, mobile homes, 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. Their LinkedIn profile states that they have between 201 and 500 total employees, with 186 of them found on the social media platform. Pacific Specialty's policies are sold exclusively through independent insurance agents. 

Thanks to its wide reach, network of independent insurance agents, and coverages offered, Pacific Specialty has earned a reputation as a dependable insurance company with a positive outlook for the future. The insurance company is rated "A-" (excellent) by AM Best and rated "B" from the Better Business Bureau.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. AM Best’s rating system helps customers make an informed decision about who can meet their coverage needs and also remain a strong, financially sound company in the long term.

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, email, and fax
  • Online customer portal
  • Customer service department has the following hour restrictions:

Hours (PST)

Monday-Friday 6:30 am – 5:30 pm

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 FAQ

Pacific Specialty doesn't offer a specific claims response time frame promise on its official website. 

Pacific Specialty offers multiple ways for customers to contact them. Customers can contact the insurance 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.

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 widespread social media presence, including on Facebook, Twitter, and LinkedIn. Overall, Pacific Specialty does provide a user-friendly experience for customers.

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. 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.

Yes, Pacific Specialty can be considered a good insurance company overall. The insurance company has received high ratings from AM Best and the BBB, and specializes in powersports insurance and other personal insurance policies. Pacific Specialty can be a great fit for people looking for certain types of specialty personal insurance policies. 

Pacific Specialty Customer Reviews

Consumer Affairs
5 Stars

“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.”

5 Stars

“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.”

Consumer Affairs
5 Stars

"Turning up was much faster and easier than expected. Deborah was super nice and friendly, let me know all of my options, and wasn't pushy in the slightest. I got signed up with policy that fit all my needs and was not nearly as expensive as other quotes that I've gotten."

Consumer Affairs
5 Stars

"They are always pleasant to deal with, they make it easy to renew my policy. When I have needed them, they made their part the [easiest.] The towing option is a life saver too! Their prices are competitive if not better than others in this field. How many companies have you been with for 20 years, that you can't ever remember a problem with? I wish everything was as responsive and well run."

Consumer Affairs
5 Stars

"PSIC phone representatives are always friendly and consistent. Yesterday, Jill, as well as her son, each helped me with different steps to complete a couple of changes for a client's homeowners insurance policy."

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