E.J. O'Neil Insurance

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E.J. O'Neil Insurance E.J. O'Neil Insurance is a family owned, full service Insurance Agency serving all of your home insurance, auto insurance and business insurance needs.

Since our founding in 1898, we strive to deliver the best customer service in the industry.

Review your policy before the next season starts. Many owners forget to update their coverage after upgrades, a new tow ...
10/18/2026

Review your policy before the next season starts. Many owners forget to update their coverage after upgrades, a new tow setup, or a change in where the RV is kept, and those details can matter if something goes wrong. This is a good time to confirm what is listed, what is excluded, and whether your current limits still fit your setup. Reach out to E.J. O'Neil Insurance Agency for a coverage check. https://bit.ly/3TbRgvc

Your deductible is one of the first numbers to review after a loss, because it sets the point where your homeowners insu...
10/17/2026

Your deductible is one of the first numbers to review after a loss, because it sets the point where your homeowners insurance starts sharing the cost. Many homeowners overlook that some policies use a separate percentage deductible for certain weather events, which can be higher than expected. Reviewing that detail now helps you avoid surprises when you are already dealing with repairs, temporary housing, or cleanup.

Review your policy after any move, remodel, or big purchase. Personal property coverage is designed for common losses li...
10/16/2026

Review your policy after any move, remodel, or big purchase. Personal property coverage is designed for common losses like theft or sudden damage, while other risks, such as flooding, are usually handled separately and may require added protection. If something valuable is not listed or not fully described, ask us to walk through the details with you.

Review your auto policy before the next road trip or winter commute. Look at the deductible amount, confirm the car list...
10/15/2026

Review your auto policy before the next road trip or winter commute. Look at the deductible amount, confirm the car listed is still correct, and ask whether recent repairs or upgrades were added to the file. If something has changed since the policy was written, a simple update can make the coverage picture much clearer for your household.

Check your liability limits before the next policy renewal. A simple update like a new driver, a home renovation, or a r...
10/14/2026

Check your liability limits before the next policy renewal. A simple update like a new driver, a home renovation, or a rental property can change how much protection you may want above your primary policies. Umbrella coverage is there to add another layer, but the details depend on what you already carry. Our team can walk through the numbers with you and explain the gaps to watch for.

Review your auto policy whenever the people using your vehicle change. A college student home for the summer, a new spou...
10/13/2026

Review your auto policy whenever the people using your vehicle change. A college student home for the summer, a new spouse, or a relative who drives on weekends can affect how coverage applies, even if the arrangement feels temporary. If you are unsure whether a driver belongs on the policy, ask us to walk through the current list and compare it with who is actually behind the wheel.

A certificate can be useful, but it is not the same thing as the policy itself. It usually summarizes current coverage f...
10/12/2026

A certificate can be useful, but it is not the same thing as the policy itself. It usually summarizes current coverage for a third party, which means the wording, additional insured status, and effective dates should be checked before it is sent out. That small review can prevent delays when a client, vendor, or property manager asks for documentation.

Aviation coverage is only useful when the details match how the aircraft is actually being used. A policy written for so...
10/11/2026

Aviation coverage is only useful when the details match how the aircraft is actually being used. A policy written for solo flights may not reflect regular passengers, and combined single limit means one total amount applies across certain claims instead of separate buckets. Reviewing those terms now can help catch gaps before a grounded plane or injury claim creates a bigger problem. https://bit.ly/4Ah22RK

Review your home inventory and note the age of higher-value items. That simple step makes it easier to see where a polic...
10/10/2026

Review your home inventory and note the age of higher-value items. That simple step makes it easier to see where a policy may treat belongings differently, especially for electronics, furniture, and other items that wear over time. If you have questions about how your current coverage is set up, E.J. O'Neil Insurance Agency can help you walk through the details.

A motorcycle policy is only as useful as the details behind it. If you have added custom parts, changed where the bike i...
10/09/2026

A motorcycle policy is only as useful as the details behind it. If you have added custom parts, changed where the bike is stored, or started riding more often, those updates can affect how your coverage responds after a loss. Our team can walk through the fine print with you so your current policy reflects the bike you actually have today. https://bit.ly/4hrMjrw

Address

400 Broadway
Chicopee, MA
01020

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 4:30pm

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