Independent Insurance Agency in Littleton, Colorado
Premier Mountain Insurance is an independent, family-owned agency at 7991 Shaffer Pkwy, Suite 207 in Littleton, Colorado. We write home, auto, and business insurance for families and companies across Jefferson County, Douglas County, and the Denver metro, and we’ve earned more than 200 five-star reviews doing it. Nearby we also serve Highlands Ranch, Centennial, Castle Rock, Lakewood, Denver, Parker, Evergreen, Conifer, Aurora, Bailey, and Fort Collins.
Our founder spent 11 years running a captive Farmers agency in Denver before opening Premier Mountain Insurance in 2019, and the reason he left is simple: when one company’s rates and coverage are your only options, you run out of answers fast. Today we represent more than 30 carriers, so when your premium climbs, or you find new exclusions on your renewal, we can actually give you alternative options instead of apologizing.
That matters more here than most places. The Front Range is hail country, and Colorado carriers have spent the last several years raising rates, moving to percentage wind and hail deductibles, and changing how roof claims are settled. Those terms vary widely from one carrier to the next, and they sit in the policy form rather than in the premium. Ask us to read yours with you.
Whether that’s homeowners coverage in Littleton, auto insurance for a household with a new driver, or a business owner’s policy for a contractor working across Jefferson County, we’ll compare the market and explain the trade-offs in plain English. In Littleton we write business insurance for contractors, restaurants, auto repair shops, and professional liability.
Call 303-922-1002, or click the “Start Your Quote” button at the top of this page.
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HAPPY CUSTOMERS

Premier Mountain Insurance is one of the Top-Rated Insurance Agencies in Denver, Colorado!
We have over 200 5-star reviews on Google, Facebook and Yelp!
Working with Mike has been wonderful. He is very attentive and provides great customer service.
This is our second time working with Mike. His team is awesome! Everyone is helpful, friendly, patient, knowledgeable, and informative. Added bonus, they reply promptly to emails and calls.
Mike is a wealth of knowledge in the insurance field. He really takes the time to walk you through all the coverage options as well as giving his recommendations to make sure you don’t end up with a financial disaster. I highly recommend using Mike for any of your insurance needs.
Mike was incredibly patient with me having him check rates for me over several months. My partner and I just signed up and he ended up saving me money on my car even though rates are going up like crazy, and he saved my partner over $1000 on all his insurance! He took the time to explain everything in a simple and straightforward way. Very happy to have Mike as my agent!
Dealing with insurance isn’t something anyone looks forward to, but Mike and his team are wonderful, patient, and thorough. Absolutely a company I recommend and feel confident they will stand by me.
First time working with an insurance broker and now can’t imagine shopping fo insurance any other way. Really enjoyed working with Peter and he helped us get the best deal possible on home + auto insurance.
Hi Elliott, thank you so much for the fantastic five-star review! We’re thrilled to hear that you’re satisfied with our services at Premier Mountain Insurance. Your positive feedback motivates us to continue providing exceptional service to all our clients. If there’s anything more we can do for you, please don’t hesitate to reach out. We look forward to serving you again in the future!
When my homeowner’s insurance provider dropped my coverage at my annual renewal, I was in a scramble to get a new policy in place. Peter Schmisek at Premier found me an option that was actual cheaper with better coverage than my older provider (unheard of) and helped me bundle it with auto for even better savings. Definitely happy to be working with these guys rather than the faceless quote-wizards on the web.
I have worked with Mike at Premier Mountain for about 8 years. He has always been knowledgeable and responsive to helping me figure out my insurance needs.
Excellent to work with and did not try to sell me insurance I did not need. Found me better home insurance for less. Highly recommend.
Mike is great to work with and so knowledgeable!
High level of customer service – including follow through and time spent going over all policy questions before finalizing insurance with them. I would highly recommend.
I have been using Premier Mountain Insurance since 2020 and they have gotten me through a roof replacement, two hail damage claims, a minor fender bender, and a car accident where my car was totaled. They were amazing in every instance. They handled the hard stuff so I could focus on me and my family! If you want an insurance company who will answer your phone call or your email, this is your place.
Professional & Personal, addressing every need!
I called the agency on Friday afternoon about 4pm after another agency struggled to bind a basic homeowners policy and kept delaying the process. Peter called me back within minutes, took a look at my policy and gathered the necessary information. He was knowledge and thoughtful in explaining my options. And, he came up with a strategy the other agency failed to consider during 3 weeks of conversations. He promised to deliver a quote on Monday, which he did. And with the help of his team got better pricing and better coverage. And made the process easy. They issued the policy Monday night and saved me over $1600. My experience could not have been better!
Prompt communication and service. Answered all questions and worked to get the coverages that were important to me.
So many people are grossly uninsured. Having the cheapest insurance might sound like a great idea when you don’t need it, but the INSTANT something goes wrong you’ll quickly regret it. Mike Schmisek is a knowledge expert on insurance coverage and liabilities, and he can help you find the right fit of affordable insurance that gets you the coverage you deserve.
Mike was thorough, provided info every step of the way, and got me BETTER insurance than I currently had while saving me money. I’d call that a win-win.
Well tied into the service industry, he can also direct you to trustworthy and quality service providers!
We have used PMI for over 5 years for auto, home owners and other policies and have been EXTREMELY pleased with the service received by all members of the team. Highly recommend.
After being destroyed monetarily by my previous insurance, I was so thankful to get some help from David Seagraves to find a better option. He was incredibly helpful with our many questions and did not put any pressure on us to make big decisions. When we were finally ready to switch, the insurance company had increased the rate we were quoted at, and he then spent about 45 minutes on another call to get us back to what we were quoted at. Really so thankful to have received such spectacular service during all steps of this process and I’d strongly encourage anyone wanting to shop their insurance to give David a call!
Mike handles all of my business insurance needs! Mike and his team are very knowlegeable and trustworthy. Give them a chance to take you through the ins and outs of your auto and homeowners policies and you’ll definitely learn something!
Mike Has been extremely helpful through the process of checking prices on insurance never used an insurance broker before I highly recommend it. Just made the process so much easier couple years ago I tried to do it on my own and it was just so overwhelming so it’s nice that he took all the stress out of it we’re saving so much money. So thankful for Mike and highly recommend him and his staff
Peter is professional, thorough and friendly. We know we are in good hands and look forward to working with him in years to come.
Mike is the definition of a FANTASTIC business owner. He is thorough, honest, and extremely reliable and will answer at any time of the day. I moved from out of state and Mike made my transition to Colorado wonderful.
Mike Schmisek is a professionals professional, highly knowledgeable and experienced he takes the time to understand each clients needs and tailors a plan to suit them. This guy cares and is highly recommended.
Thank you so much, Tawny, for your wonderful 5-star rating! We’re thrilled to hear that you had a positive experience with Premier Mountain Insurance. Your satisfaction is our top priority, and we’re delighted to have met your expectations. If you have any further questions or need assistance, don’t hesitate to reach out. We look forward to serving you again in the future!
It was a pleasure working with David. He helped me find insurance for my car with better coverage at a lesser price. What more can I ask for?! I look forward to working with him each year for my insurance needs.
Great group of people. Peter was great to work with!
Fortunately, I haven’t had any claims, but when I needed to look at options for my insurance needs they have been very responsive.
Very professional and worked hard to find the right coverages at the right price.
Mike was great, very responsive! Moving can be stressful but Mike did a great job helping with our home and auto insurance needs. Top notch service!
Very professional Group. Would recommend to anyone looking for a new total insurance outlet.
Mike and Des have always taking care of my family and me. We’ve been loyal clients for several years now. I would highly recommend Mike Schmisek”s Agency to anyone who is looking for the best rate and great customer service.
Premier Mountain Insurance agents are informed and knowledgeable. We have used them for several years with no problems.
David was a pleasure to work with—both professional and courteous. He thoroughly explained my options and answered all of my questions clearly. He also provided thoughtful recommendations to consider before making a final decision.
Mike and his team take care of my home, rental properties, car, motorcycle and business insurance and have for many years. I recommend him to clients as well. Super pleased with the service, professionalism and knowledge at his office and their continued efforts to 1) save me money and 2) give me the best coverage available!
Peter Schmisek is an outstanding insurance broker! He was super friendly, easy and efficient to work with, and went above and beyond in getting me auto and homeowners insurance with the best plan for me in record time! He expedited my request to find new covert to the top of his clients because I had only two days in Which to find new coverage, when my old plan stopped covering my townhome. In under two days he had me signed up with a new insurance company. Thanks Peter!
David Seagraves is an intelligent and thoughtful insurance agent! He is extremely trustworthy and saved us quite a bit of money on our home insurance and got us way better coverage! Don’t hesitate to work with Premier! He truly has your best interest at heart!
I have been with the same insurance company for over a decade, and when I have shopped it in the past other companies weren’t able to compete. Mike was able to save us over $600 per year on our auto policy while matching our coverage. While price is certainly important, I also valued his thorough approach in discussing the different options that were available. Highly recommended. Thank you, Mike!
David was fantastic to work with he was very professional and honest I highly recommend him
Premier Mountain Insurance is run by a team of absolute experts! They know exactly the solutions you need to protect your life and assets. Mike, Desiree and team are value-focused, yet make sure coverage is sufficient. I trust that when I look for home, auto, or condo insurance, I’ll be getting the best coverage for the best price.
Mike is awesome to work with! Guided me through changing insurance companies very seamlessly! Thank you so much!
Breanna Royer is extremely helpful and nice
A very easy process because of the knowledge of the person helping me.
David is awesome! He is very knowledgeable and willing to help. He went out of his way to help me with my renters insurance and make sure everything was taken care of. He made it so easy on me and I will definitely be using him in the future.
I am so pleased with the quality of customer service that Premier Mountain Insurance provides. Thank you for putting me into the right policies (home and auto) for all insurance needs in my life.
Peder was fantastic to work with and thorough in making sure we got the best coverage for what we could afford! I highly recommend working with Peder @ Premier Mountain Insurance Group!
Peter was very thorough and professional when he was shopping our current auto, umbrella and home policies. It was an easy decision to move all of our coverages to them.
Bree did an excellent job of completing the service request quickly and efficiently!
Mike has been my agent for over 5 years. He is always available to help with anything insurance related. If I have questions or concerns he will get back to me same business day with the answer. He is knowledgeable, professional & I trust him to give me the insurance I need. Thanks so much Mike.
I highly recommend Peter Schmisek at Premier Mountain Insurance for anyone needing insurance services. Peter was exceptionally thorough and detailed in managing our homeowners and car insurance. He made sure we understood all aspects of our policies and tailored them to fit our needs perfectly, providing a stress-free experience. His professionalism and dedication to client satisfaction truly set him apart. If you want peace of mind with your insurance, Peter is the right choice.
Over the course of my 30 year career as a real estate broker, I’ve met many insurance agents, but none with the expertise, integrity, service, and value of Mike Schmisek. Mike and his team have always gone above and beyond for our mutual clients. Highly recommended!
Mike will spend the time to make sure you choose the proper plan, appropriate coverage and goes the extra mile to make sure you receive all the discounts available. Thanks Mike for going above and beyond the “norm” in the industry!
I had a great experience working with David Seagraves to find insurance in a wildfire prone area. David was patient during the whole process, answered all of my questions, and came through with an affordable policy with good coverage when I came up empty handed elsewhere. I would feel confident recommending Premier Mountain Insurance to anyone that finds themselves in a similar situation.
Mike is fantastic! He made sure to get me the best possible deal on car insurance and helped me compare my options while I car shopped to see my rates for various cars. He made it easy for me to not stress about comparing quotes so I could focus on my car search. I highly recommend him to anyone insurance shopping!
Mike and team are the best!
I had an exceptional experience working with Premier Mountain Insurance, and I want to specifically highlight Peter Schmisek for his professionalism and efficiency. From start to finish, Peter was quick to respond, incredibly knowledgeable, and proactive in addressing my insurance needs. He was able to source home insurance for me with zero issues, ensuring a seamless process without any delays or complications. His attention to detail and commitment to finding the right coverage made the entire experience stress-free and straightforward. If you’re looking for a top-notch insurance professional who truly values customer service and delivers results, I highly recommend Peter Schmisek and Premier Mountain Insurance. Their dedication to excellence sets them apart in the industry.
Peter Schmisek is awesome to work with! He is super responsive, honest, easy to talk to, and makes the whole insurance process feel way less overwhelming. Highly recommend!
Peter was amazing. Best insurance experience ever. Highly recommend.
Mike Schmisek was amazing and helped me through all my insurance needs!!!
Mike was able to beat my current rates by a significant amount, despite me having patronized the same company for years. He was efficient and clear. Already have, and would recommend his agency to anyone!
Mike was awesome helping me switch from my long time agency/carrier to his agency and a new carrier with much better rates and coverage! It was a seamless transaction thanks!
Very helpful and honest. Thank you.
Amazing experience switching to Premier Mountain Insurance! They were prompt, highly competitive, friendly and very professional! I would highly recommend this company for all your insurance needs!
I needed help finding landlord insurance- David was friendly, responsive and found the answers to all my questions. He was able to find reasonably priced insurance while making the whole process fast and easy for me.
When I found out that my wife was pregnant with our first I took it upon myself to get our family’s insurance in order. I was so happy to find Mike! Not only is he an amazingly nice and generous person, but knowledgeable as well. He pretty much took care of everything. I sent him our policies, he looked them over and then proceeded to get me everything we already had and a ton more for less money. I couldn’t be happier with his work and attention to detail and I now rest a bit easier knowing he has us covered.
Great rates, outstanding customer service
Laura Mortimer is the best for commercial packages with liability commercial and commercial vehicle insurance as well, she helped save 2 big jobs and kept me is business and get additional insured on the fly within under 24hrs , and very professional that is respected in its nature… its the easiest switch for commercial policy packaged I’ve ever experienced in business, thank you again Laura
We have gone through Mike for all of our insurance needs for over 8 years and he has always provided excellent, professional service. I cannot recommend him enough.
Peter Schmisek has been wonderful. Our current Homeowners insurance is canceling us due to fire risk. Peter was able to find us a better policy. He also found better policies for our Auto And Umbrella Insurance.
Mike and his staff are empathetic and meet their customers where they are at, providing personalized care. And they’ll remember to stay in contact!
Mike and his team are hands down, the BEST agents in Denver to work with. Highly recommend!
David is a breath of fresh air. He made the process easy and understandable for us and was a tremendous help in finding a good policy fit and in educating us first time home owners on the details and best practices to keep our family safe and secure for many years to come. Very grateful to have found David!
Mike is the best insurance agent I’ve ever worked with. I have several business policies with him for my growing company. Excellent client interaction and great coverage terms. I highly recommend you give his office a call if you are insurance shopping.
Mike and his crew have taken care of my business and personal insurance needs for 5+ years. He is knowledgeable and is ALWAYS available to answer questions and take care of my needs. Farmers is a great company to work with and have paid my claims without any hassle. I highly recommend Mike to my friends and family.
Laura Mortimer was very professional and really great at pleasing the customer through the entire navigation process with different types of insurance. She always points me in the right direction.
I had a great experience working with David Seagraves at Premier Mountain Insurance. He was so helpful in a very hard situation, when I was trying to find insurance for a mountain property. He took the time to understand my situation and went above and beyond to ensure I was taken care of in every detail of the insurance process. Thank you again!
Mike and his team are proficient and equally important, kind and genuine. You’ll feel comfortable and confident after your first conversation, and that will continue through the years you work with them.
Premier Mountain Insurance provides their knowledge, experience and overall ability to give their customers prompt and relevant information on a wide range of insurances. Highly recommend Mike Schmisek and his team.
Peter took time to research our situation and compare policies with different companies, saving us a significant amount over a prior policy we’d had with another insurance company, while maintaining all the coverage benefits. We were very impressed!
Mike really knows what he’s doing. He’s a first class insurance professional ready to selflessly help all his clients and partners. Call him when you need help…he is a detailed professional!
FREQUENTLY ASKED QUESTIONS
Since we work with 30+ insurance carriers, getting a quote takes a little longer through our office than if you called one carrier direct, but the benefit is that we are one call, instead of 30 different calls. We need about 20-30 minutes to gather your information. From there, our quoting team gets to work, finding you the lowest cost options with the best coverage. This can take up to two days, depending on the number of other people waiting for their quotes. Once your quotes are complete, you’ll get an email and text notification letting you know the quotes are ready for review. Start to finish, if we get all the information up front, it is 2-4 days.
The basic information, such as your name, date of birth, driver’s license number, your address and information about your cars, home or business. We also ask for copies of your existing insurance policies. Lastly, we need to have a conversation with you. It’s ok to get us your information through our online forms and email, but to best understand your needs, we will need to speak with you. This can be over the phone, online or in our office.
Not only will we tell you if your current carrier is the best option for you, and we do tell people that every day, but we will also point out gaps in your existing policy and give you advice on how to improve your current policy.
A captive agent is under contract to only sell and service the products of one company. An independent agent is free to offer policies from multiple companies. No one insurance company is the right fit for every consumer. Some companies specialize in “high risk” insurance. Other companies prefer insuring retired people. Some companies specialize in high value homes and some are very good at insuring small homes or even tiny homes. When you work with an independent agency, we can truly be your agency for life. As your needs and life change, we can help facilitate changing insurance companies. Build a lifelong relationship with Premier Mountain Insurance, as opposed to meeting a whole new agency and insurance carrier every few years.








