Pacific Specialty Property Insurance Review & Ratings (2023)
Pacific Specialty Insurance Company offers property insurance products such as homeowners, renters, and condo insurance. Pacific Specialty Insurance states on its website that rates from insurance products are extremely competitive, though the company does not offer any quotes online. A.M. Best and the Better Business Bureau have both given Pacific Specialty Insurance superior ratings.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Jun 23, 2022
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- Pacific Specialty Insurance sells homeowners, renters, and other types of property insurance
- Pacific also offers different types of insurance products for power sports—like motorcycles and ATVs
- A.M. Best gives Pacific Specialty an A- (Excellent) rating with a stable outlook
Searching for property insurance can be fairly difficult. There are so many companies to choose from, and it’s hard to know which companies are best for you when it comes to both coverage options and monthly rates.
Pacific Specialty Insurance Company is one company that offers property insurance products to its policyholders. Pacific Specialty has been in business for more than 30 years, and the company’s ratings and reviews online are quite positive.
If you are looking for property insurance, be sure to compare free insurance quotes online to get a good idea of how much you can expect to pay for coverage.
You can use our free tool above to get started in your search for property insurance today.
Table of Contents
What does Pacific Specialty Insurance Company offer?
With regard to property insurance, Pacific Specialty Insurance Company offers the following options:
- Homeowners insurance
- Renters insurance
- Condo/townhouse insurance
- Mobile home insurance
- Earthquake insurance
If you’re looking for homeowners insurance with Pacific Specialty, the company states on its website that the specifics of your policy will depend on both the value of your home and the amount of protection you’d like to purchase.
Pacific Specialty offers options for a home and auto insurance bundle that will save policyholders money on their rates, and the company also offers various discounts and a flexible payment system when it comes to monthly rates.
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How much is homeowners insurance with Pacific Specialty?
According to the company’s website, Pacific Specialty offers homeowners insurance rates that are among the most competitive in the nation.
Because Pacific offers discounts and other opportunities for saving money on rates, the company states that policyholders can save up to 50% on their insurance policies.
You cannot get a quote for homeowners insurance—or any of the company’s property insurance—on the company’s website. That makes it difficult to truly know whether the company offers rates as competitive as they say.
The table below highlights annual homeowners insurance rates in different states throughout the U.S. You’ll notice from the table that homeowners insurance rates vary drastically from one location to the next.
Average Annual Homeowners Insurance Rates by State
| State | Average Annual Rates |
|---|---|
| Alabama | $1,433 |
| Alaska | $959 |
| Arizona | $825 |
| Arkansas | $1,373 |
| California | $1,008 |
| Colorado | $1,495 |
| Connecticut | $1,479 |
| Delaware | $833 |
| District of Columbia | $1,235 |
| Florida | $1,951 |
| Georgia | $1,267 |
| Hawaii | $1,102 |
| Idaho | $730 |
| Illinois | $1,056 |
| Indiana | $1,000 |
| Iowa | $964 |
| Kansas | $1,584 |
| Kentucky | $1,109 |
| Lousiana | $1,968 |
| Maine | $882 |
| Maryland | $1,037 |
| Massachusetts | $1,488 |
| Michigan | $942 |
| Minnesota | $1,348 |
| Mississippi | $1,537 |
| Missouri | $1,285 |
| Montana | $1,174 |
| Nebraska | $1,481 |
| Nevada | $755 |
| New Hampshire | $972 |
| New Jersey | $1,192 |
| New Mexico | $1,017 |
| New York | $1,309 |
| North Carolina | $1,086 |
| North Dakota | $1,253 |
| Ohio | $862 |
| Oklahoma | $1,885 |
| Oregon | $677 |
| Pennsylvania | $931 |
| Rhode Island | $1,551 |
| South Carolina | $1,269 |
| South Dakota | $1,202 |
| Tennessee | $1,196 |
| Texas | $1,893 |
| Utah | $692 |
| Vermont | $918 |
| Virginia | $999 |
| Washington | $854 |
| West Virginia | $940 |
| Wisconsin | $779 |
| Wyoming | $1,156 |
| Countrywide | $1,211 |
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Because homeowners insurance rates can be difficult to navigate, it’s a good idea to search online for quotes that compare rates from multiple companies at once.
Is it easy to make claims with Pacific Specialty Insurance?
Policyholders can use their Pacific Specialty Insurance login information to access their insurance information on the company’s website. From there, you can file claims, make payments, and view vital insurance information.
You can also make a claim with Pacific Specialty by calling the Pacific Specialty Insurance Company’s phone number. This will allow you to speak with a company representative in order to file a claim and ask any questions you may have.
Does Pacific Specialty have good ratings?
The Pacific Specialty Insurance rating with A.M. Best is an A- (Excellent), and the company also gave Pacific a stable outlook when it comes to future goals.
The Pacific Specialty Insurance BBB rating is also encouraging, as the company garners an A+ rating with the Better Business Bureau.
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Should I buy insurance with Pacific Specialty?
Purchasing property insurance is a big decision. While it’s a good idea to consider Pacific Specialty Insurance, there’s no way to know whether the company would work for you until you do a bit more research.
You can speak with a Pacific Specialty agent to learn more about the company’s products, discuss initial insurance rates, and ask about any discounts you may qualify for.
But you should still continue to research other insurance companies to see how much they charge for similar insurance products. The best way for you to find cheap renters insurance—or any type of insurance—is to compare rates from a lot of different companies.
In fact, you can use our free tool below now to start searching for the best property insurance rates in your area.