Welcome to Pacific Specialty Insurance Company
Yes, Pacific Specialty Insurance Company is an insurance company. But it’s run differently than most insurance companies. For over 30 years, we’ve been listening a little closer, moving a bit faster, and working a bit harder to reach a higher standard. Because policyholders are the priority.
Pacific Specialty Insurance Company policies protect more of your everyday life – with coverage available only through local independent agents and brokers. Pacific Specialty Insurance Company operates as an admitted insurance company in all 50 states and the District of Columbia. Being “admitted” means the company has met the requirements of government agencies regulating the insurance industry in every state of the country.
Condominium
Condo/Townhouse Coverage Considerations
Did you know that your condominium association’s master policy probably doesn’t protect your personal belongings? Condo associations predominantly have property insurance that covers the exterior building walls and common areas, including coverage against property damage and liability protection for accidents in shared areas. However, the association’s policy will not cover your personal belongings in the event of a loss, or any alterations you made to your own unit.
Protecting Your Personal Property & Assets
Where your association fails, we shine by providing condo insurance that will protect what matters most to you. Our Condo/Townhouse policies consist of special coverage options including Identity Theft protection and Replacement Cost Coverage on your belongings.
Additional Coverage Benefits
If you own a condo or townhouse that you rent out or only use seasonally, we have special options just for you. And, if you have special items like jewelry, silverware or a personal computer, you can add extra coverage for those high-value items.
Dwelling Fire
Home
Protect your single family home against unfortunate events such as theft, fire, vandalism and malicious mischief, water damage, windstorm, hail, lightning and explosions.
Your Property’s
Value
Setting the appropriate dwelling value is one of the most important parts of getting the right coverage for your home. Fortunately, our insurance specialists have access to a robust toolset that evaluates hundreds of factors about your home, enabling them to provide accurate suggestions. In the event of a total loss, we offer Extended Replacement Cost Coverage for additional protection above and beyond the dwelling limit to help make sure you have enough coverage to rebuild your home.
Protecting Your Personal Property
and Assets
Our comprehensive homeowner policy covers losses to your home and personal property from a wide variety of unexpected events. Not only is the cost to replace the dwelling and personal property covered under the policy, but if your home is rendered uninhabitable due to a covered loss, we will pay for Additional Living Expenses incurred while your home is being repaired or rebuilt. In addition, our liability coverage protects against bodily injury or property damage suffered by guests, neighbors or hired tradespeople, and qualifies you for Umbrella protection should you desire more liability protection.
Home-Auto
Specialty Bundle
Your home is by far your largest asset. If something were to happen to your home, would you want to leave it in the hands of a car insurance company? Property is our specialty. Save money and get true peace of mind by bundling our Home Insurance Policy with any other carriers’ auto insurance to ensure your home is properly covered.
Discounts and Flexible
Payment Systems
Our homeowners insurance rates are among the most competitive in the nation, with multiple discounts available that can save you up to 50%! We also make it easy to personalize your insurance policy with special coverage options designed to meet your unique needs. We’ll even work directly with your bank if you’d prefer to have your insurance paid out of your escrow or impound account. And with deductible options that range from $500 to $5,000 and flexible payment plans available, why would you want to go anywhere else?
Motorcycle / ATVs
Motorcycle Coverage Considerations
When it comes to insurance, motorcycles are a completely different animal than regular vehicles. Our policies can include bodily injury liability, property damage liability, protection against uninsured or underinsured motorists, and personal injury protection (PIP) depending on the state. We also have liability limits up to $250,000/person and $500,000/accident.
In the Event of an Accident
If an unfortunate accident does occur, our policies include protection for medical payments as well as comprehensive and collision coverage up to $45,000.
Unique Motorcycle Coverage Benefits
When comprehensive and collision coverage is purchased, you will get $2,000 worth of accessory coverage at no additional charge. This includes aftermarket parts as well as riding apparel like helmets, leathers, boots and gloves. We also have transportation trailer coverage and additional accessory coverage up to $10,000.
Motorcycle Insurance Discounts
Our prices are always competitive because we specialize in motorcycles, not cars. And we provide opportunities for additional savings for a variety of reasons: Safety course completion, anti-theft devices, military enlistment, policy transfer, rider association, anti-locking brake systems, multi-policy, multi-cycle, mature driving discount, experienced rider, homeowner, 1st responders, good drivers and garaging.
Motorcycle
Why Off-Road Insurance?
Just because you don’t use your off-road vehicle as an everyday transportation option doesn’t mean that you shouldn’t get it insured. Accidents can happen at any time, and when they do you want to make sure that you are properly protected.
Off-Road Coverage Considerations
When insuring your ATV, UTV or other off-road vehicle, you need to protect yourself in more ways than you think. Our policies can include bodily injury liability, property damage liability, accessory coverage, and comprehensive and collision coverage.
Accessories & Apparel
When comprehensive and collision coverage is purchased, you will get $2,000 worth of accessory coverage at no additional charge. This includes aftermarket parts as well as riding apparel like helmets, leathers, boots and gloves.
Off-Road Insurance Discounts
We offer everyday low rates, but we also offer additional savings for anti-theft devices, military enlistment, policy transfers, rider associations, multi-policy, multi-cycle and 1st responders.
Off Road Vehicle
Why Off-Road Insurance?
Just because you don’t use your off-road vehicle as an everyday transportation option doesn’t mean that you shouldn’t get it insured. Accidents can happen at any time, and when they do you want to make sure that you are properly protected.
Off-Road Coverage Considerations
When insuring your ATV, UTV or other off-road vehicle, you need to protect yourself in more ways than you think. Our policies can include bodily injury liability, property damage liability, accessory coverage, and comprehensive and collision coverage.
Accessories & Apparel
When comprehensive and collision coverage is purchased, you will get $2,000 worth of accessory coverage at no additional charge. This includes aftermarket parts as well as riding apparel like helmets, leathers, boots and gloves.
Off-Road Insurance Discounts
We offer everyday low rates, but we also offer additional savings for anti-theft devices, military enlistment, policy transfers, rider associations, multi-policy, multi-cycle and 1st responders.
Umbrella
Why Personal Umbrella Insurance?
If an unfortunate event occurs that puts your assets at risk, you are going to want an umbrella insurance policy that will stand behind you in your time of need. Here at Pacific Specialty Insurance Company, we aim to do just that.
Umbrella Insurance Coverage Considerations
Most home and auto insurance policies offer maximum liability limits of $500,000. If you are sued for causing serious injury or damage to another, the cost of those injuries or property damage, along with the cost of defending yourself in court, could quickly exceed the limits of your home or other insurance policy, exposing your personal assets to loss. An umbrella policy can help protect your assets and prevent financial hardship.
Watercraft/Boats
Why Boat Insurance?
Even if your boat is securely docked or sitting pretty on your driveway, it’s a good idea to make sure it’s properly covered with an insurance policy. That way you can have proper peace of mind when you are good to hit the open water.
Pleasure Boat Coverage Considerations
Not sure what you need covered for your boat to set sail? We’ve got you covered! Our boating insurance can include towing and assistance, personal liability, watercraft liability and even medical payments.
Boat Insurance Discounts
Not only do we offer superior coverage, but we also provide excellent value in the form of everyday low prices and additional savings opportunities of up to 50%. A few ways you save include a boater’s safety course, license or degree discount (5%); a protective device discount ; a multi-policy discount ; and a multi-boat discount.
Flexible Payment Plans
Adding to our excellent coverage and savings are flexible payment options that allow for more personalized policies. Choose from a range of deductibles, take advantage of automatic renewal to prevent a lapse in coverage, and select from full-, 3-, 5- and 11-pay plans.
