Family of 4 smiling with arms around each other

Life changes fast and when it does, your insurance coverage should change with it. Major milestones like buying a home, getting married, or growing your family all affect how much protection you need. At E.J. O’Neil Insurance, we help Massachusetts clients keep their policies current, cost-effective, and aligned with every stage of life. Here are five times when it’s worth sitting down with your local agent for a quick insurance check-up.

Why It’s Smart to Review Your Policies Regularly

Many people renew their insurance automatically each year without looking closely at the details. But as your life evolves, old policies can leave gaps or unnecessary costs.

By reviewing your coverage every year or two — or after big life changes — you can make sure your auto, home, and personal insurance still fit your lifestyle and financial goals. As an independent Massachusetts insurance agency, E.J. O’Neil Insurance compares multiple carriers to help you maintain strong coverage while managing costs.

1. Marriage or Divorce — Update Auto and Home Coverage

Big life transitions change more than your relationship status. Marriage often means combining households and vehicles, which can qualify you for multi-car or multi-policy discounts. Divorce, on the other hand, may require separating policies or adjusting listed drivers.

Our local agents can walk you through these changes to make sure both your auto and homeowners insurance reflect your new reality — without any coverage gaps.

2. Buying or Selling a Home — Reevaluate Your Protection

Purchasing or selling a home is one of the biggest financial moves you’ll ever make. It’s also the perfect time to reassess your home insurance in Massachusetts.

If you’re buying, make sure your new policy matches the home’s value and includes coverage for regional risks like winter damage or coastal storms. If you’re selling, confirm that you’re protected until the sale closes. The right guidance now can prevent costly surprises later.

3. Growing Your Family — Plan Ahead for New Responsibilities

A new baby, adoption, or caring for relatives often changes everything, from your schedule to your insurance needs. These milestones might call for higher liability limits, expanded home coverage, or even new life insurance options.

4. Major Financial Changes — Revisit Coverage and Deductibles

Job changes, promotions, inheritances, or financial setbacks can all affect your coverage needs. A higher income or new assets may require stronger protection; a tighter budget might mean adjusting deductibles or exploring discounts.

Our team can evaluate your full insurance picture from auto, home, and beyond to make sure it aligns with your current financial situation.

5. Policy Renewal Time — Don’t Just Sign and Move On

Your renewal notice shouldn’t be just another email to archive. Each renewal is an opportunity to confirm your coverage is still right and to explore better options.

Pro Tip: Use renewal season as a reminder to ask, “Has anything major changed since last year?” If so, it’s time to connect with your agent.

FAQs About Insurance Reviews

How often should I review my insurance?
At least once every year or two — and always after major life events.

Can I combine my auto and home insurance after marriage?
Yes. Bundling policies usually saves money and simplifies your coverage.

What if I inherit a home or other property?
Contact your agent right away to update your homeowners insurance and adjust liability limits.

Regular reviews keep your protection strong and your premiums fair. As a long-standing Western Massachusetts insurance agency, we pride ourselves on friendly, personal service — including free RMV and notary assistance for our clients.

Whether you’ve recently married, bought a home, or experienced financial changes, we’re here to help you stay covered and confident.

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