Welcome to Pacific Specialty
Yes, Pacific Specialty 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 policies protect more of your everyday life – with coverage available only through local independent agents and brokers. Pacific Specialty 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.
For more information about Pacific Specialty Personal Insurance Solutions call us at 661-977-3332.
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.
Discounts and Flexible Payment Plans
We offer various deductible levels and payment options so you can select the price and billing plan that best suits your needs. Speak with one of our condo insurance specialists to discover all of your specialized options.
In the Event of the “Big One”
While no-one can foresee when the next big quake might hit, you can ensure that your home and belongings will be protected when it does with earthquake protection up to $2.5 million. Not having earthquake insurance could mean big problems in the event of the Big One.
Flexible Coverage Solutions
Coverage can be provided alongside a Pacific Specialty property policy or on a standalone basis. Complete coverage for your contents and up to $100K in loss of use. Even enhanced coverage for items such as pools and valuables.
Get a Lower Deductible
Many homeowners assume that a high Earthquake insurance deductible means there’s no point in getting coverage until you have full equity in your home. At Pacific Specialty we offer competitive Earthquake insurance rates and multiple deductible options. Protect your family and your investment today – call the experts.
Enhancing Your Home Policy for Less
Earthquakes can result in a financially devastating situation. Don’t let yourself or your family get caught off guard. Protect your property and enhance your existing insurance policy with a Pacific Specialty Earthquake Insurance policy.
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
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.
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
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?
Why Mobile Home Insurance?
Living in a mobile or manufactured home doesn’t mean you should go without the protection of a regular homeowner. Take it from us; we’ve been an expert in insuring mobile homes for four decades!
Mobile Home Coverage Considerations
Similar to a homeowner’s insurance policy, mobile home coverage can include Replacement Costs for both the home itself and any of your personal belongings within the mobile home. Other types of protection you can take advantage of include Identity Theft, Golf Cart Coverage, and in-park and protected private property.
Mobile Home Insurance Discounts
We have always-low rates for units in mobile home parks, but there are additional ways to save money on your policy. For example, we offer discounts for people who purchase multiple policies and for senior citizens.
Flexible Payment Plans
We make it simple to personalize your policy to help you save money without compromising coverage. This includes automatic renewals to prevent a lapse in coverage, deductibles that range from $250 to $5,000, and 3-Pay, 5-Pay and Full Pay plans.
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.
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, 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.
Discounts and Payment Options
Our personal umbrella policy offers you additional liability protection up to $2 million over your home, auto, motorcycle, recreational vehicle, water craft, rental and seasonal home policies to protect your assets and family. And with a multi-policy discount on your Pacific Specialty home policy, our Umbrella coverage practically pays for itself.