Let us take care of you

Second Home Insurance

Keep your getaway home safe.

What's Second Home Insurance?

A second home is your other haven, that extra place where you escape to relax. You may know them as well by seasonal home. Either way, at Pacific Specialty Insurance Compay (PSIC) we have them covered. Find in our Second Home Insurance the peace of mind you were looking for, and rest assured that your vacation home is in good hands.

We Got You Covered

Pacific Specialty’s Second Home Insurance provides coverage for the unique risks associated with owning a seasonal property.

Dwelling

Protects the main structure of the property against damage from events such as fire, vandalism, and much more.

Other structures

Safeguards detached structures such as sheds, workshops, and garages.

Personal property

Secures your personal belongings such as furniture, clothes, or electronics in case they are stolen or damaged.

Let’s Go Deeper on Second Home Insurance

Second Homes Insurance is quite different from Homeowners, Condo, or any other policy aimed to protect your main residence. This is because vacation homes are exposed to particular damage. After all, they remain without inhabitants for a large part of the year. Vandalism and electrical and plumbing problems are the most common ones. Taking these into account, we created a specific insurance product that is better adapted to the second home’s requirements.

Save Money on Insurance

We know that every dollar counts. Ay Pacific Specialty, we strive to help owners like you save on their insurance.

Bundle and save

Get two or more active policies with PSIC and enjoy a fidelity discount.

Gated community discount

Reduce your premium if your property is located in a permanently locked gated community.

Security system discount

Install a fire or burglary alarm in your house to reinforce its security and reduce your premium.

How to Get Second Home Insurance?

We offer Second Home Insurance through two different products: Basic Dwelling (DP1) and Special Dwelling (DP3). Since the difference between them can be tricky, we recommend you contact an agent, so that you can get the best coverage according to your needs.

Explore Second Home Insurance

Pacific Specialty’s Second Home Insurance is available in the states of California, Arizona, Connecticut, and New Jersey, providing peace of mind for owners of seasonal homes.

We plan to expand our Second Home Insurance coverage nationwide soon, ensuring all owners the benefits of our reliable insurance solutions.

PSIC in Our Customers' Words

Our best recommendation letter is having advocate customers. We invite you to read what they have to say about their experience with Pacific Specialty Insurance Company.

“I can’t even begin to explain how happy I am with Second Home insurance! I was stressing about my empty property, worried about what could go wrong. But thanks to this PSIC Second Home Insurance I now have peace of mind! They’ve got my back against fire, vandalism, and all kinds of unexpected stuff. Plus, their team is super friendly and made everything so easy. If you’ve got a second home, trust me, this insurance is a total game-changer!”

Jemma Myers

Second Home

California

It’s All About Insurance!

Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.

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Blog

10 Sep 2024
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Advantages of Living in a Gated Community

From enhanced safety and privacy to a strong sense of belonging, living in a gated community offers a wider range of benefits than traditional neighborhoods do. Discover the numerous advantages that come with this lifestyle, we’ll address common questions and provide insights into the advantages of this experience.

Blog

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Which Dwelling Fire Policy to Choose?

There isn’t a right or wrong choice of coverage, all it has to do is fit your needs. DP1 Insurance provides basic protection of your property from a detailed list of perils, DP3 Insurance offers a broader scope of coverage, except for a few perils, also mentioned in your policy.

FAQ

FAQ

What is DP3 Insurance?

DP3 Insurance, also known as Special Dwelling Insurance or Open Peril Insurance, is a protective buffer for your rented, primary owner occupied or seasonal property. It’s specifically designed to keep your home and assets safe with an open peril policy, covering a wide scope of potential risks, with a few exceptions.

FAQ

FAQ

Different Needs?

Second Home Insurance was not the product you were looking for? Are you still looking for another type of coverage? Discover all the insurance options that Pacific Specialty can offer you!

Privacy Notice at Collection for CA employees

Last updated: June 27, 2023

  1. About this Notice. This privacy notice sets out how The McGraw Group of Affiliated Companies collects and uses personal information about you in compliance with our obligations under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). This Notice supplements all other privacy policies we have in place.

We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.

  1. Key Terms. The following key terms are used in this notice:
  • We, us, our. The McGraw Group of Affiliated Companies.
  • Personal information. Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular individual.
  • Sensitive personal information. Personal information revealing an individual’s social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation, racial or ethnic origin, religious beliefs, or union membership, personal information concerning a consumer’s health, sex life, or sexual orientation, contents of a consumer’s mail, email and text messages where the business is not the intended recipient, genetic data, and biometric information.
  • Biometric Information. An individual’s physiological, biological, or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA), that is used or is intended to be used singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.

Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.

  1. Personal Information We Collect About You. We may collect and use the following categories of personal information about you:

Categories of Personal Information Collected

  • Identifiers: Name, alias, postal address, email address, phone number, account name, social security number, driver’s license number, passport number, or other similar identifiers.
  • Employment-related information such as your job title, salary, benefits information, emergency contact information, references, qualifications, skills and experience.
  • Personal information as defined in Customer Records law: Name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, education, professional license number employment history, bank account number, other financial information, medical information, and/or health insurance information.
  • Characteristics of protected classifications under California or federal law such as race, age, sex, familial status, and disability.
  • Audio, electronic, visual, or similar information such as photographs and call recordings
  • Background check information such as your criminal and credit history
  • Inferences are not drawn from any of the information identified above to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
  1. How and Why We Use Your Personal Information. We use your personal information for the following purposes:

Purposes for Collecting and Using Your Personal Information

Managing Human Resource Functions:

  • Recruiting, hiring, and onboarding
  • Performing background checks
  • Implementing diversity and inclusion initiatives
  • Training and career development
  • Assessing performance
  • Determining promotions, transfers, salary, awards, and bonuses
  • Managing disciplinary matters
  • Managing payroll and business expenses
  • Administering leave requests
  • Employee communications
  • Administration of benefits
  • Promoting employee health and safety

Conducting business operations:

  • Budgeting
  • Recordkeeping and reporting requirements
  • Managing infrastructure and company assets
  • Strategic planning
  • Maintaining security and risk management
  • Emergency response and business continuity
  • Conducting audits
  • Pursuing or defending legal or administrative claims

Monitoring:

  • Compliance
  • Use of company resources
  • Any other monitoring activities permitted by applicable laws

Compliance with:

  • Legal and regulatory obligations
  • Court or other government directives
  • Internal policies and procedures

Investigating:

  • Reports of wrongdoing
  • Policy violations
  • Internal complaints
  1. Whether Personal Information Will Be Sold or Shared. We do not sell or share the personal information of employees.
  2. How Long Your Personal Information Will Be Kept. We will keep your personal information for as long as is necessary while you are employed by us. Thereafter, we will keep your personal information:
  • To respond to any questions, complaints or claims made by you or on your behalf or;
  • To keep records required by law. In California, this is currently and generally a minimum of four (4) years.

We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.

When it is no longer necessary to retain your personal information, we will delete or anonymize it.

  1. If you have any questions or concerns about this notice or the information we collect about you, please contact send an email to privacy@pacificspecialty.com.