Let us take care of you

Homeowners Insurance

Let’s protect your home, your loved ones and yourself.

What's Homeowners Insurance?

Our Homeowners insurance, also known as HO3, is the most comprehensive coverage for your private residence. By choosing Pacific Specialty’s Homeowners Insurance you may protect your home from structural damage, liability, and keep your personal belongings safe. We know that owning your place comes with a set of responsibilities, but at Pacific Specialty Insurance Company (PSIC) we’re determined to make it easier for you. Find more information about how it works in Homeowners Insurance explained!

We Got You Covered

Our standard Homeowners Insurance coverage includes the following protection. Additionally, our comprehensive customization options allow you to get the best Homeowners Insurance quote.

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.

Loss of use

Covers the additional living expenses if your house is damaged and you need to move out while it’s being repaired.

Save Money on Insurance

We know that every dollar counts. At Pacific Specialty, we strive to help you save on your Homeowners Insurance coverage.

Bundle and save

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

Security system discount

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

Senior citizen discount

Reduce your property premium if you are retired and 55 or older.

Explore Homeowners Insurance in Your State

If you want to learn more about how can you customize your policy, please select your state
and view the Homeowners Insurance specifics.

We plan to expand our Homeowners Insurance coverage nationwide soon, ensuring all homeowners the benefit 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.

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.

Do you Need an Insurance Agent?

In the intricate world of insurance, understanding its nuances, requirements, and regulations can be a bit overwhelming. But fear not, in this article we’ll explore the importance of having an insurance agent by your side to alleviate stress when selecting a policy that aligns with your needs.

Blog

09 Sep 2024
5 min read

Blog

Protect Your Home Against Severe Weather

Weather is unpredictable. And even though there are places more prone to issues than others, climate change lately has been adding new areas previously labeled as “low-risk ones”. Taking precautions isn’t only smart for you, or your home safety, it’s also good for your coverage prices! Ready to explore it?

Blog

07 Aug 2024
5 min read

Blog

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?

Homeowners 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!