As your local Farmers® agent in Sewell, NJ, I have helped customers like you for over 36 years identify the insurance coverage that best fits your needs and budget. I pride myself in making the process easy to understand. We also make the process of changing insurance easy and painless for you. I have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, life, business insurance, and more.
Give me a call at (856) 335-1135 and I'll be happy to answer any questions you might have.
Languages Spoken: English
Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.
Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years, and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Plus, get competitive rates with our multi-line insurance discounts. Get a Home insurance quote now.
How much has your life changed in the last few years? Whether you've purchased a home, gotten married, had children or started a small business, it's a good idea to review your Life insurance policy. Call me today so you can create a plan to help provide financial support for those who depend on you.ADFL029AWS 9/17
Your landlord may have an insurance policy, but if there's a fire in your building, that policy may not cover your possessions. That's why there's Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.
Your condo is more than a place you call home. It’s also a major investment filled with possessions you want to protect. Get a quote on condo insurance to see how affordable it is to protect your personal belongings.
As a motorcycle enthusiast, you're all about adventure and fun. The last thing you want to worry about is whether you have the right Motorcycle insurance policy. Talk to a Farmers agent about Motorcycle insurance discounts such as rewards for responsible riders and insuring more than one bike with Farmers.
When enjoying the great outdoors, you shouldn't have to be thinking about your insurance coverage. Make sure you have Recreational insurance coverage from an industry leader. Whether you own a boat, travel trailer, ATV or Motor Home, Farmers Insurance has flexible coverage options and insurance discounts. Contact a Farmers agent to get a quote.
In today’s world, you want options, flexibility, and some measure of certainty that a secure future is within reach. As your Farmers Insurance and Financial Services agent, I have the experience and professional perspective to help you build a solid financial plan. Call me for an appointment, and let’s talk about how you can reach your goals.
To check background information of this investment professional, visit FINRA BrokerCheck.
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
Life insurance proceeds could help your family stay in their home if something happens to you.
PWS LD-03 10/17
Sixty-one million adults and over 12.6 million children in the United States have some type of disability.
If you have a disabled or blind child or other family member, or are disabled or blind yourself, you should know about ABLE accounts. These tax-advantaged accounts can be a real game changer for the disabled.
Ordinarily, a disabled person who receives government benefits can only have $2,000 in cash or other countable assets. This can make it impossible for disabled people to save money for emergencies, to buy a house or car, or take a vacation.
This is where ABLE accounts come in. Contributions to ABLE accounts up to certain levels are not counted for purposes of means-tested programs for the blind and disabled. Disabled people can have up to $100,000 in an ABLE account without losing Social Security disability benefits.
Contributions to ABLE accounts are not deductible for federal taxes, but the money in the account grows tax-free. Withdrawals are also tax-free if made for a variety of living and disability-related expenses.
Up to $15,000 in total can be contributed to an ABLE account each year. Contributions can come from the disabled beneficiary, from family, and from friends. Disabled people who work can put in an additional amount limited to the lesser of their compensation or $12,490 in 2021.
A total amount of $300,000 to $500,000 can be deposited into an ABLE account, depending on the state.
There is only one real drawback to ABLE accounts: they are only available for people who became blind or disabled before reaching age 26. This eliminates the majority of the disabled.
ABLE accounts are run by the states. Forty-two states and the District of Columbia have them. You don’t have to set up an account in the state where you live, and it can pay to shop around.
By the way, if you have a special needs trust, you can keep it. An ABLE account can be set up in addition to a special needs trust.
If you have any questions or need my assistance, please call me on my direct line at 856-335-1135.
Reprinted form the Bradford Tax Institute.
As a small business owner myself, I know it's not easy to plan for the future when you factor in the unexpected. A Buy-Sell Agreement funded by a life insurance policy can help reduce the "what ifs" in your mind. Let’s work together on a plan sooner rather than later.
PWS BLI 9/16
Vet visits are twice as expensive as they were 10 years ago, but that shouldn't keep you from caring for your pet.
Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by Independence American Insurance Company, a Delaware insurance company.
We are extremely happy with the experience Michael has given us through Farmers Insurance®. By combining our home, auto, and life insurance through Farmers®, we were able to save over $1,000. Michael does a great job of working with you and giving you the best coverage there is available. I would strongly recommend him to any future clients that are interested.” James & Nancy
These testimonials are based on the experiences of a few people and you may not have similar results.
PWS 844959.1 9/17
"Michael Lambert is very knowledgeable about many types of insurance and helped us identify what was best for our family. He responds to our emails and phone calls on the same day, and provides easy-to-understand answers to our questions. Michael cares about our needs and ensures that we have the insurance coverage that is right for us. We transferred all our insurance to FarmersÂ®. We pay less and have more coverage! We recommend Michael and Farmers Insurance without hesitation." Kathy and Anthony These testimonials are based on the experiences of a few people and you may not have similar results.