California carrier
Pacific Specialty home insurance in California
Pacific Specialty is actively writing new California home business. It is committed to the state's Sustainable Insurance Strategy.
Status
SIS-committed specialty writer; historically more hazard-tolerant programs. Structure: stock insurer, owned by Biglari Holdings (public stock company) since 2017.
Source: CDI / state press on SIS commitments (carriers.json, reviewed June 2026). Status is statewide and not a guarantee for any address.
Where Pacific Specialty appears in the filed-rate survey
Counties where Pacific Specialty (or its group) appears in the CDI §12959 survey, cheapest first. Filed premium for a $625,000 dwelling — actual measured data.
| County | Filed premium / yr |
|---|---|
| San Mateo County | $525 |
| San Francisco County | $580 |
| Marin County | $591 |
| Santa Clara County | $607 |
| Monterey County | $621 |
| San Benito County | $630 |
| Alameda County | $638 |
| Santa Cruz County | $654 |
| Sonoma County | $656 |
| Napa County | $668 |
| San Luis Obispo County | $736 |
| Del Norte County | $748 |
Matched on company name in the CDI survey; shown where the match is clear. CDI §12959, effective 2026-05-01.
Cheapest filed counties
REAL- San Mateo County — $525
- San Francisco County — $580
- Marin County — $591
- Santa Clara County — $607
- Monterey County — $621
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Priciest filed counties
REAL- Shasta County — $2,084
- San Bernardino County — $1,650
- Sutter County — $1,547
- Kern County — $1,274
- Imperial County — $1,269
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Frequently asked
Is Pacific Specialty writing new home insurance in California?
As of June 2026, Pacific Specialty is actively writing new California home business. Carrier appetite changes frequently and varies by address and wildfire risk.
Is Pacific Specialty part of California's Sustainable Insurance Strategy?
Yes. Pacific Specialty is among the insurers that committed to writing more policies in higher-risk areas under California's Sustainable Insurance Strategy.
What does Pacific Specialty charge for home insurance in California?
Where Pacific Specialty appears in the CDI filed-rate survey ($625,000 dwelling), its premiums range from $525 to $2,084 a year across 58 counties.
Where is Pacific Specialty cheapest in California?
In the CDI §12959 filed-rate survey ($625,000 dwelling), Pacific Specialty's cheapest county is San Mateo County at $525 a year; its priciest is Shasta County at $2,084. Filed premiums are not quotes.
Next step
Check your exact address and see the FAIR Plan + DIC fallback. When you’re ready to shop, a licensed California broker can compare carriers for you. We provide estimates only — never quotes.
Check your address or find consumer help from the California Department of Insurance