Western Massachusetts offers some of the best off-road and snow trails in New England. From exploring forest paths on your ATV in the fall to gliding over fresh powder in the Berkshires mid-winter, it’s easy to see why outdoor enthusiasts love this part of the state. But before you hit the throttle, there’s one thing…
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…
Renting a home or apartment in Massachusetts comes with big responsibilities and protecting your personal belongings is one of them. Whether you’re in Boston, Chicopee, or anywhere in between, understanding your Massachusetts renters insurance is the best way to protect what matters most. This simple guide breaks down what renters insurance covers, what it doesn’t,…
Owning a home in Massachusetts is one of life’s biggest milestones. But protecting that home means more than just paying your mortgage, it means truly understanding your Massachusetts homeowners insurance. If you’ve ever looked at your policy and felt overwhelmed by the jargon or unsure what’s really covered, you’re not alone. This guide breaks down…
Shopping for Massachusetts auto insurance can feel confusing, especially when prices seem to climb every year. But getting the right coverage doesn’t have to mean overpaying. With a little knowledge and the help of a trusted local agent, you can compare auto insurance quotes confidently and secure a policy that fits your budget. Understanding Auto…
Summer sparks a wave of home improvement projects across Massachusetts — from modern kitchen remodels to state-of-the-art smart security systems. But amid the excitement, one key detail is often overlooked: how those upgrades affect your home insurance. Renovations can either raise or reduce your premiums, depending on the nature of the project. More importantly, they…
Summer in Massachusetts is made for scenic drives — Cape Cod day trips, Berkshires getaways, or long weekends in the White Mountains. But before you load up the car and hit the road, it’s worth checking whether you’re carrying the right MA car insurance for your seasonal needs. With prices creeping up across the board,…
A backyard pool can turn your home into a summer retreat, but it also raises important questions about insurance. Chief among them: Does my homeowners insurance coverage extend to pool-related accidents? The answer is, it depends. Your policy, the type of pool, and your liability limits all factor into what’s covered and what’s not. Before…
When it comes to helpful insurance tips, bundling home and auto policies is one of the most effective ways to streamline your coverage and save money, especially amid rising home and auto insurance premiums. Bundling not only helps reduce your overall premium but also makes managing your policies easier — and potentially improves how quickly you…
Massachusetts law is clear: If you drive, you must carry car insurance. Still, some drivers may think that skipping coverage is a way to save money, particularly if they haven’t been in an accident before. However, the risks of driving without insurance can quickly outweigh any short-term savings. From legal penalties to substantial out-of-pocket expenses,…
