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.

Avid Bicyclist? What happens if you’re hit by a car?

Do you need bicyclist insurance? It’s not as far-fetched as it might seem.  Most people don't equate owning a bicycle to insurance needs, however bicyclists might need proper insurance even more so than the general population. If you have car insurance and opted for uninsured motorist bodily injury coverage, your pain and suffering, medical [...]

By |2020-02-09T14:29:54-07:00February 7th, 2020|Blog|0 Comments

High-Value Home Insurance

Do you own -- or planning to buy -- a high-value home, one that’s worth at least $3 million? Congratulations. And a word of caution. There are special considerations and challenges when it comes to insuring a high-value home. We can help. Most insurers provide home policies designed for Middle America. But they aren’t equipped [...]

By |2020-02-09T14:29:58-07:00January 30th, 2020|Blog|0 Comments

How to Save Money When you Add your Child to the Policy

Mike,  I’ve heard horror stories of how much it costs to add my kids to my insurance policy.  How can we keep our costs down when my kids start driving? - Sarah Sarah,  Teens are expensive to insure and there’s good reason for that. There’s a high probability that a young driver will be in [...]

By |2020-02-09T14:30:02-07:00January 16th, 2020|Blog|0 Comments

Mysterious Disappearance Can Mean Loss of Insurance Coverage

Many of us enjoy a good mystery -- unless it involves our insurance. If you lose a valuable piece of property, your insurance reimbursement -- or lack of it -- may depend on whether your policy includes a Mysterious Disappearance Clause. A Mysterious Disappearance Clause is just what the name says. If your property, renter’s [...]

By |2020-02-09T14:30:05-07:00January 15th, 2020|Blog, Home Insurance|0 Comments

Ask the Insurance Agent – Umbrella Policies

Mike, A friend recently told me she purchased an umbrella policy, which covers both her home and cars. Should I purchase an umbrella policy? -Jennifer Jennifer, An umbrella policy doesn’t replace your home and auto insurance, but rather adds additional coverage on top of your home and auto to protect you from a catastrophic claim. Umbrella policies were first offered in 1949 [...]

By |2020-02-09T14:27:12-07:00December 30th, 2019|Blog|Comments Off on Ask the Insurance Agent – Umbrella Policies

Commercial Co-insurance: What You Don’t Know About Your Insurance Policy

Whether your business has significant assets, or just a one office show, you should understand how your co insurance clause works because it can mean big losses at the time of a claim.  If you are under insuring your property, Co-insurance can result in costly penalties if you aren’t paying attention. What is co-insurance? It’s [...]

By |2020-02-09T14:27:19-07:00December 26th, 2019|Commercial Insurance|Comments Off on Commercial Co-insurance: What You Don’t Know About Your Insurance Policy

Flood Insurance: NFIP or Private?

If you’re familiar with the National Flood Insurance Program (NFIP) offered through FEMA, you know how limited it is. And for the past 50 years, it was your only choice. Many people are surprised to learn that a flood is excluded by their standard home insurance coverage.  If you want coverage for a flood, you [...]

By |2020-02-09T14:27:25-07:00December 19th, 2019|Blog, Home Insurance|Comments Off on Flood Insurance: NFIP or Private?

Cyber Insurance: Are You Insured Against Losses from Cyber Attacks?

Chances are you’re insured against losses from a burglar physically breaking into your home or business. But what about losses from cyber attacks? Cyber liability is the fastest growing category of claims in the commercial insurance sector, but very few commercial policies automatically include cyber-liability coverage. A single cyber attack can cost a small business [...]

By |2020-02-09T14:27:30-07:00December 2nd, 2019|Blog, Commercial Insurance|Comments Off on Cyber Insurance: Are You Insured Against Losses from Cyber Attacks?

Ask the Agent – Insurance Coverage for Sewer Lines

Mike: My neighbor recently had to replace his sewer line running underground from his house to the street.  Does insurance cover this ? -Bill Bill: Up until this year, I wasn’t aware of a single insurance company that offered coverage for your sewer line.  Damage to a sewer line was almost never covered because the [...]

By |2020-02-09T14:27:34-07:00November 18th, 2019|Blog|0 Comments

World Record Attempt at Largest Sock Drive

The Action Center is attempting to break the world record for the largest sock drive in the world!  Estimates put the number of homeless people in Colorado at 10,587 people.  The Action Center's goal is to raise 10,587 pairs of socks on December 4th between 12pm - 5pm.  We are collecting socks at our office [...]

By |2020-02-09T14:27:39-07:00November 15th, 2019|Blog|Comments Off on World Record Attempt at Largest Sock Drive