Pacific Specialty strives to make its policyholders the priority and works hard to provide a higher standard. Pacific Specialty policies are available through local independent agents and brokers and as an admitted insurance company, it is available in all 50 states, including the District of Columbia.

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The Good

  • Personal Umbrella Policy

Personal Umbrella Policy

The personal umbrella policy from Pacific Specialty offers additional liability protection up to $2 million. This can be added onto a home, auto, motorcycle, recreational vehicle, watercraft, or a rental and seasonal home policy.

The Bad

  • Have to Contact an Insurance Agent
  • Lower Maximum Coverage

Have to Contact an Insurance Agent

Those looking for liability insurance might be frustrated with the websites constant referral to their insurance specialist. This can be frustrating for potential customers just wanting to browse the site and see what coverage is available and what options they have. In order to find out more specific information (pricing, qualifications, etc.), customers will have to call their insurance specialist or a customer service representative.

Lower Maximum Coverage

Pacific Specialty only offers additional liability protection up to $2 million. Compared to others in the industry — where the maximum coverage can be as high as $10 or $50 million — this is fairly low.

The Bottom Line

Although Pacific Specialty offers a Personal Umbrella policy there is very little information on what that entails. The site does not specify any requirements or what is covered by the policy which can leave consumers frustrated by the lack of information. Customers will need to call their insurance specialist or a customer service representative agent. We recommend finding out more about Pacific Specialty's umbrella policy before selecting them as your personal insurance provider.

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