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Michael Carlton

Farmers Insurance Agent in Carmel, IN
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Farmers Insurance Agent in Carmel, IN

About Me

As your local Farmers® Insurance and Financial Services agent* in Carmel, Indiana, I help customers like you identify the insurance coverage and financial strategies that best fits your needs. This process is straightforward and personalized to help make you smarter about insurance and investing. I am passionate about helping my customers create a financial future they can feel good about. I have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, renters, business, life, investing and more. I specialize in retirement funding, saving for college, income protection for your family and other financial strategies.

Give me a call at (317) 288-0344 and I'll be happy to answer any questions you might have.

Languages Spoken: English

Years of Experience

I have over 6 years of experience as a Farmers Insurance agent.


BS, Ball State University 1991 and Burris High School, 1987

Military Service

I served for 14 years in the United States Army where I achieved the rank of Major. Areas I was stationed: 10th Mountain Division, United States Army Reserve, Indiana Army National Guard.


Insurance Products Offered

*To check background information of this investment professional, visit FINRA BrokerCheck.

Ask Me About:


Whether you are a busy professional or simply like things quick and simple, we've added the ability to text our agency for your convenience. Simply text 317-288-0344 to get a quote, ask a question or request a policy change.

Financial Services*

Financial Services*
Financial Services*
As your Farmers® Insurance and Financial Services* agent, I'm here to help you get smarter about saving and investing for your future. After all, the more you know, the better you can plan for what's ahead: Retirement, College Funding*, Income Protection, Build Wealth, and Small Business Retirement and Protection Plans.
Do I Need Umbrella Insurance?
Do I Need Umbrella Insurance?
If you’re even thinking about Umbrella insurance, chances are you might need it.

Ok, so obviously that’s not true across the board. But generally, if you’re worried that even the highest liability limits of your auto, home, or watercraft insurance wouldn’t be enough to pay for a large liability award, then extra Umbrella coverage might make you feel more protected.

That’s because Umbrella insurance extends the limits of your underlying liability coverage, and it can do it for a pretty small cost (usually somewhere around $250-$600 a year*).

But how do you know for sure that you need Umbrella insurance?

That’s a reasonable question. But to answer it, let’s turn the tables for a second, and ask you a couple of questions first:

•Are you a high net worth individual? You may need to do a little math here. Remember that Net Worth = What You Own – What You Owe. If you do have a high net worth (say, around one million dollars or more), you may want to protect it against a big liability judgment with an Umbrella policy.

•How exposed to risk are you? We’re not asking if you’re a secret agent, professional skateboarder, or stunt person. But if your day-to-day life exposes you to more than normal risk, it might be a good idea to extend your coverage. Do you spend a lot of time on the road? Do you host dinners and parties in your house? Do you have a pool? Do you have a vacation home?

If you answered yes to any of these questions, and you have a large income and assets you want to protect, you should consider an Umbrella policy to help you protect what you’ve spent a lifetime building.
Life Insurance
Life Insurance
70 percent of U.S. households with children under 18 would have trouble meeting everyday living expenses within a few months if a primary wage earner were to die today. 4 in 10 households with children under 18 say they would immediately have trouble meeting everyday living expenses.

It's not as expensive or as complicated as you probably think. Give us a call today to review your situation.
Is It Time to Review Your Farmers® Business Policy?
Is It Time to Review Your Farmers® Business Policy?
Has your business grown since we last reviewed your business insurance? If so, let’s have a conversation so you can decide if your level of coverage is keeping up with your level of success. Call me today!
Farmers Friendly Review Service
Farmers Friendly Review Service
Farmers® agents provide this service in person or online to help you review your existing coverage, so you can decide how to keep up with your changing insurance needs.

As your life changes, maybe your policy should too

Changes in your life can add up to changes in insurance needs. A change in marital status, the birth of a child or the purchase of a new home are just a few examples of life events that may create overlaps or gaps in your coverage.

Review your coverage and possibly save money

Just as you continue to change and grow, Farmers® has been growing for over 85 years. A Farmers® customer can be the first to enjoy access to new benefits (like when we became the first insurance group to offer a discount for alternative-fuel vehicles). Talk to us about a Farmers Friendly Review® - we can provide you with insurance options and discuss any available discounts for which you may qualify so you can select the coverage that best fits your needs.

How often should you have a Farmers Friendly Review® session?

We recommend a Farmers Friendly Review® at least once a year or whenever you have a qualifying life event change. If you like, I can even set a reminder for us to keep an annual appointment to discuss your changing coverage needs.

Give us a call to set up your Farmers Friendly Review®.

My Hardworking Team

Walker "Texas Ranger" Carlton
VP of Agency Morale
Andrea Young
Client Relations Manager