Melissa Y Torres

Servicing Insurance Needs Across NWI and Chicagoland Area

[Melissa Y Torres @MelissaYTorres]

The best things come in small boxes. Or big ones, for that matter. Either way, your valuables — think jewelry, electronics, and collectibles — may need higher limits. I can help you figure that out.

[Melissa Y Torres @MelissaYTorres]

High-ticket purchases are exciting. Keeping track of your receipts and taking photos of your new things is not — but it’s important, in case you ever needed to file a claim.

[Melissa Y Torres @MelissaYTorres]

Candles bring that warm holiday glow. But be careful. It’s no coincidence that home fires related to candles peak in December. Consider battery-powered, flameless candles instead.

[Melissa Y Torres @MelissaYTorres]

Happy Holidays from Farmers Insurance

[Melissa Y Torres @MelissaYTorres]

Ring in the New Year with Farmers.

[Melissa Y Torres @MelissaYTorres]

Gather round and celebrate the season, with best wishes from Farmers.

[Melissa Y Torres @MelissaYTorres]

Winter brings snow, hot cocoa, and a reminder to plan for your family's future. Learn how life insurance can help provide financial protection during the chilly months and beyond.

[Melissa Y Torres @MelissaYTorres]

Holiday travelers — don’t forget to pack an umbrella (as in, the insurance policy). It’s there to help if you run into trouble and the costs exceed the liability limits of your primary insurance policies. Call me.

[Melissa Y Torres @MelissaYTorres]

Here’s one way you may actually *save* money while your kid is away at college: If your student only drives the family car on breaks, you might catch a break on your auto insurance. Let’s talk about your current coverage.

[Melissa Y Torres @MelissaYTorres]

Do you live or drive near a school zone? Keep an eye out for kids crossing streets and parents making oddball U-turns and harried parking moves at pick-up and drop-off times.

[Melissa Y Torres @MelissaYTorres]

Dropoffs, pickups, rides to practice — back to school means more driving, more traffic and more kids in crosswalks. It’s a good time to pay special attention when driving near schools, bus stops and intersections with crossing guards.

[Melissa Y Torres @MelissaYTorres]

Ahoy, captains. Getting your boat ready for the season? Get a free inspection from the U.S. Coast Guard Auxiliary. Fill out the form at https://t.co/n61StpYzId

[Melissa Y Torres @MelissaYTorres]

If you rent out part or all of your home, your home insurance may not provide coverage for damage to your property or injury to your guests. Let’s check your coverage and talk about your options.

[Melissa Y Torres @MelissaYTorres]

Free is a word we like. A lot. Especially when it comes to workers’ compensation. There are no fees for using one of the 140+ payroll companies tied into our RealTime Billing®️ plan. Just the way you like it.

[Melissa Y Torres @MelissaYTorres]

May is National Bike Month. Bicycles are typically covered for theft or liability in a standard home insurance policy, but electric-assist e-bikes are not. An e-bike endorsement or specialty coverage in your policy can help. Let’s check your coverage options.

[Melissa Y Torres @MelissaYTorres]

Is the cost of business insurance coverage affecting your bottom line? A business owners policy (BOP), which provides major property and liability coverages in one policy, could be less expensive than individual policies. Interested? Call me.

[Melissa Y Torres @MelissaYTorres]

Is it time to change your HVAC air filter? It gets a workout over a long, cold winter. Debris buildup and algae can cause units to work harder, driving up energy costs. For more tips on annual maintenance for your home, call me.

[Melissa Y Torres @MelissaYTorres]

If you spend as much (or more) time on two wheels as four, let’s talk about Farmers specialized policies that cover a range of motorcycle types.

[Melissa Y Torres @MelissaYTorres]

Let’s be honest: Unless you’re an agent who geeks out on it (like me), pondering your insurance coverage doesn’t come naturally. A helpful reminder? When the seasons change, consider calling me — I’m here to make it easier on you.

[Melissa Y Torres @MelissaYTorres]

Injured employees? The latest in medical care software will help the Farmers Care℠ team of occupational doctors, urgent care centers and hospitals to guide your employee’s treatment and, if needed, hospitalization.