The New Year is a time for new beginnings and new commitments to change. It is also a great time to review your insurance policies to make sure you have adequate auto, homeowner, and business insurance for the coming year. That's why Daniel Oliver - Farmers Insurance Agent in Minneapolis, MN, offers the following tips for why you should take the time to perform a yearly insurance review:

• Home Additions: Have you improved or added on to your home? If so, your current homeowner insurance policy may not cover the improved value. Make sure you are fully protected in case of fire or storm damage. The best Farmers Insurance agent in Minneapolis will do exactly that.
• Changes In Business Expenses: Does your business insurance reflect any changes in expenses that have occurred over the last year. If your business is interrupted, will your current coverage be enough to sustain your business until operations return to normal? Consult your Farmers Insurance agent for advice.
• Aging Automobiles: Do you still maintain full coverage auto insurance on one or more of your vehicles? As your vehicle ages, its value decreases to the point that maintaining full coverage no longer makes sense. In many cases, you can safely reduce the amount of insurance to cover only personal liability and property damage, instead of paying for comprehensive and collision coverage.

As you look to the year ahead and commit to improving your business, your personal productivity, and your relationships, check out the inspiring story of young brothers Connor and Cayden Long, who have taken such commitments to heart:

Daniel Oliver - Farmers Insurance Agent specializes in business, homeowner, and auto insurance for customers in the Minneapolis area. For a thorough review of your insurance needs for the coming year, visit his website or call (952) 925-4454 for valuable advice for the coming year.