About Mike Schmisek

Mike Schmisek is the principal agent and founder of Premier Mountain Insurance. Mike decided to start Premier Mountain Insurance after 11 years running one of the most successful Farmers Insurance Agencies in Colorado. Before getting into insurance, Mike had a career in business management and leadership. He was drawn to the insurance industry because of deep relationships that are built with long term clients and his ability to make a difference in the lives of his policy holders. In 2008, Mike saw his dream come true when he started the Mike Schmisek Insurance Agency. Mike’s dream of an insurance agency dedicated to the client proved to be a winning idea. His agency earned many awards and distinctions for the quality of business as well as the rapid growth of the agency. Mike’s success in the insurance industry created so many requests for training and speaking that he helped form a company, the Social Heroes, who train insurance agents on growing their businesses online. In October 2019, Mike started an independent insurance agency, Premier Mountain Insurance. As an independent agent, Mike can work with a number of insurance companies to find his clients the right coverage at a fair price. Mike was born and raised in Fargo, North Dakota . After a brief stint in Woodbury, Minnesota , Mike moved to Highlands Ranch, Colorado with his parents as a high school student. Mike graduated with honors from Highlands Ranch High School in 1997. Mike went on to Colorado State University , in Fort Collins, Colorado . In 2001, Mike graduated from CSU with a degree in Political Science and a minor in History. Mike resides in foothills of south Jefferson County with his wife, three daughters and dog. Mike enjoys camping, hiking, golf and fly fishing during the summer months and racquetball and swimming during the winter months.

Understanding Auto Insurance Valuations: Actual Cash Value vs. Stated Value vs. Agreed Value

When it comes to auto insurance, understanding the terms of your policy is crucial. The valuation method used can significantly affect your coverage and compensation following an incident. The most common valuation types are Actual Cash Value (ACV), Stated Value, and Agreed Value. Each type has distinct characteristics and applications, suitable for different types of [...]

By |2024-04-17T13:44:07-06:00April 17th, 2024|Auto Insurance, Blog|Comments Off on Understanding Auto Insurance Valuations: Actual Cash Value vs. Stated Value vs. Agreed Value

Navigating Auto Liability Limits: A Guide to Protecting Your Financial Future

Introduction Auto insurance is more than a legal requirement; it's a crucial financial safety net. Amidst the various components of an auto insurance policy, understanding liability limits—specifically, bodily injury and property damage liability—is paramount. These figures are not just arbitrary numbers but essential protections that stand between you and potential financial disaster. Understanding Bodily Injury [...]

By |2024-04-06T10:05:17-06:00April 6th, 2024|Blog|Comments Off on Navigating Auto Liability Limits: A Guide to Protecting Your Financial Future

Ideas to Prevent Rainwater From Entering Your Basement

Rainwater and surface water is a common exclusion on homeowner's insurance policies.  Therefore, it's important to do what you can to prevent water from entering your basement.  PHere are some steps you can take to help keep your basement dry: Ensure proper grading: Check the grading around your home's foundation. The ground should slope away [...]

By |2023-06-23T06:42:53-06:00June 23rd, 2023|Blog|Comments Off on Ideas to Prevent Rainwater From Entering Your Basement

Colorado Home Insurance: What You Need to Know

Homeowners insurance is an essential part of being a homeowner in Colorado. It provides financial protection in case of unexpected events such as natural disasters, theft, or damage to your home. However, many homeowners may not fully understand their insurance policies or the coverage options available to them. In this blog post, we will discuss [...]

By |2023-01-29T08:05:15-07:00February 5th, 2023|Blog, Home Insurance|Comments Off on Colorado Home Insurance: What You Need to Know

The Importance of Reviewing Your Auto Insurance Policy in Colorado: A Guide for Drivers

Auto insurance is a necessary expense for all drivers in Colorado. It not only provides financial protection in case of an accident, but it is also required by law. However, many drivers may not fully understand their auto insurance policies or the importance of reviewing them regularly. In this blog post, we will discuss the [...]

By |2023-01-28T18:08:41-07:00January 31st, 2023|Auto Insurance, Blog|Comments Off on The Importance of Reviewing Your Auto Insurance Policy in Colorado: A Guide for Drivers

Who’s at Fault?

Full disclosure.  Our office is an insurance agency located in Colorado, we are not claims adjusters.  That being said, here's our opinion on the viral  Facebook post. The driver in the right lane triggered the car accident.  The car in the right lane merged into traffic without any regard to the current flow of traffic.  [...]

By |2022-11-07T13:04:44-07:00November 7th, 2022|Blog|Comments Off on Who’s at Fault?

Do you need an umbrella insurance policy?

How long has it been since you evaluated your auto insurance liability limits?  If you’re like many people, you probably haven’t given it much thought since you purchased your first auto insurance policy 20 or 30 years ago. Experts agree, you should evaluate your liability limits every couple of years to ensure they are keeping [...]

By |2022-10-02T10:43:09-06:00October 2nd, 2022|Blog|Comments Off on Do you need an umbrella insurance policy?

Defensible Space: Management Zone 1

When preparing your home for wildfire, zone 1 is the area you should start.  Zone 1 extends 15-30 feet from the perimeter of your home, depending on property size.  In Zone 1, you should remove all flammable vegetation, with the possible exception of fire resistant plants.  The greater distance around your home that you follow [...]

By |2022-04-17T08:03:25-06:00April 17th, 2022|Blog, Home Insurance|Comments Off on Defensible Space: Management Zone 1

Wildfire Risk and Your Home Insurance

The recent grass fire in Ken Caryl and the subsequent devastation in Boulder County have prompted many Ken Caryl residents to take a closer look at their home insurance. Here is a list of some of the major things to look for in your policy. Dwelling Coverage This is the amount your insurance company could [...]

By |2022-02-04T09:47:16-07:00February 4th, 2022|Blog|Comments Off on Wildfire Risk and Your Home Insurance

Auto Insurance Rates Are Going Up. Here’s Why – and What You Can Do About It.

Auto insurance rates have been going up. Unfortunately, that’s likely to continue into 2022. Here are some of the reasons why – and some strategies for bringing your costs down: Injury costs. The number of claims involving injuries has gone down. But the average cost of those claims has increased by a third. Companies with [...]

By |2021-12-01T11:29:47-07:00December 1st, 2021|Auto Insurance, Blog|Comments Off on Auto Insurance Rates Are Going Up. Here’s Why – and What You Can Do About It.
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