Pacific Specialty

Pacific Specialty Insurance Company is a property and casualty insurer based in California that underwrites specialty coverage lines not typically offered by standard carriers. Its products include homeowners, dwelling fire, earthquake, flood, and vacant home insurance, along with other niche residential property coverages. The company primarily serves homeowners and property owners whose risk profiles fall outside conventional underwriting guidelines. It distributes policies through a network of independent insurance agents and brokers rather than selling directly to consumers. The company focuses on filling coverage gaps for hard-to-insure properties across various geographic and risk categories.