Moving is usually a mix of excitement and logistics. Whether you’re relocating across town or settling into a new neighborhood, there’s already plenty to think about with packing, utilities, leases, and schedules. One small step that often gets overlooked, but can make your move smoother, is updating your renters insurance. Renters Insurance Is Designed to…
Home insurance in Massachusetts is designed to do one important thing: protect one of your biggest investments. While rates can change over time, those changes often reflect how insurers assess risk, protection, and long-term stability, not just cost alone. The good news? Many of the factors that influence your home insurance rate are well understood,…
If you’ve recently added a teen driver to your household, you probably felt it immediately your auto insurance premium jumped. For many Massachusetts families, this moment is both exciting and stressful. You’re proud your teen earned their license, but the insurance side of things can feel overwhelming fast. The good news? While teen drivers do…
Few insurance topics cause more confusion or more frustration during a claim than flood insurance versus water damage coverage. Many Massachusetts homeowners assume that if water damages their home, their insurance will automatically step in. Unfortunately, that assumption is one of the most common (and costly) misunderstandings we see. At E.J. O’Neil Insurance, we regularly…
No one plans to get into a car accident, especially not a minor one that seems small at first but still leaves you rattled. Fender benders are incredibly common on Massachusetts roads, from busy intersections in Springfield to tight parking lots in Chicopee and surrounding towns. The good news?Most fender benders are manageable if you…
If you’ve ever had to file an insurance claim, you already know it’s rarely a calm or convenient moment. Claims usually follow stress, an accident, property damage, a storm, or an unexpected loss. On top of that, you’re suddenly dealing with paperwork, adjusters, timelines, and unfamiliar insurance language. Many clients tell us the same thing…
Living in Western Massachusetts means you get the best of all four seasons, but it also means dealing with some of the harshest weather New England has to offer. Heavy snow, ice storms, high winds, falling branches, power outages, and slick roads are all part of life here. Most homeowners and drivers assume their insurance…
Auto insurance in Massachusetts can feel like alphabet soup—limits, deductibles, comp, collision, endorsements, and more. Most drivers know they “need insurance,” but aren’t always clear on what they’re actually paying for, or where they could be over-insured or under-insured. Two of the most confusing pieces are comprehensive and collision coverage. They sound similar, they both…
Filing an insurance claim isn’t something people do every day and when the moment finally comes, it often catches you off guard. Maybe it’s a car accident, a tree branch crashing through your roof, or a burst pipe in the middle of winter. Whatever the situation, the claims process can feel confusing, stressful, and full…
If it feels like your insurance premiums go up a little every year, you’re not imagining it. Across Massachusetts, especially here in Western MA, families and business owners alike are seeing higher costs for auto, home, and other insurance policies. Naturally, the first reaction is frustration. Many people ask us the same questions:“Why is this…
