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Flood Insurance vs. Water Damage: What Massachusetts Homeowners Really Need to Know
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…
Read MoreFender Bender in Massachusetts? Here’s Exactly What to Do (and What Not to Stress About)
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…
Read MoreComprehensive vs. Collision in Massachusetts: Which Coverage Do You Really Need?
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…
Read MoreWhat to Expect After You File an Insurance Claim
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…
Read MoreRide Confidently: Smart Insurance Tips for Your ATV and Snowmobile Adventures
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…
Read More5 Times in Life When You Should Review Your Policies
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…
Read MoreWhat’s Actually Covered in a Renters Policy
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,…
Read MoreUnderstanding Your Massachusetts Homeowners Policy — Plain English Edition
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…
Read MoreHow to Compare Auto Insurance Quotes in Massachusetts Without Overpaying
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…
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