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.

2021 Insurance Checklist

2020 is over! For many people it was a rough year.  Don’t let 2021 be a rough year due to insurance related issues.  Here are a few things to think about when it comes to your insurance. Did you acquire any new jewelry in the past year? Home insurance policies vary greatly on how much [...]

By |2021-01-01T09:55:03-07:00January 1st, 2021|Blog, Helpful Tools|Comments Off on 2021 Insurance Checklist

Have a Happy — and Safe – Thanksgiving

As a neighbor, I’d like to wish you a happy Thanksgiving. And, as an insurance professional, I hope you’ll have a safe one. Because of the Coronavirus, some families will be skipping the traditional big gathering of relatives this year while other families will stick with more traditional celebrations. That’s a decision for each family [...]

By |2020-11-20T16:54:03-07:00November 17th, 2020|Blog|Comments Off on Have a Happy — and Safe – Thanksgiving

Don’t Let Insurance Gaps Turn “Scary” Halloween Fun into a Nightmare

Halloween means lots of “scary” things are out and about – all in good fun, of course. But don’t let gaps in your insurance coverage turn those scary things into a real-life nightmare. Halloween creates an extra level of risk that can result in lawsuits.  For example, are you protected from a big loss if: [...]

By |2020-10-28T08:07:18-06:00October 28th, 2020|Blog|Comments Off on Don’t Let Insurance Gaps Turn “Scary” Halloween Fun into a Nightmare

Start of Fall a Good Time For Home Maintenance Checks

It’s fall, y’all. And the beginning of fall is a good time to check your home to make sure it’s in good shape and ready for winter.  Well maintained homes, tend to see lower home insurance prices! Here’s a suggested home-maintenance checklist to make sure your home is ready for winter: Service your furnace. Now. [...]

By |2020-09-24T15:14:04-06:00September 24th, 2020|Blog|Comments Off on Start of Fall a Good Time For Home Maintenance Checks


Insurance can be tricky.  We've compiled some of our most frequently asked questions on this page. Home Insurance Q: What's the difference between the dwelling limit and the dwelling maximum replacement cost? A: The dwelling limit is the amount the insurance company believes it would cost to rebuild your house.  The dwelling maximum replacement cost [...]

By |2020-09-17T14:45:41-06:00September 11th, 2020|Helpful Tools, Uncategorized|Comments Off on FAQs

Errors and Omissions Insurance

Errors and Omissions Insurance is about mistakes, real and alleged. We all make mistakes, of course. But, for many professions, acceptable performance can be subject to differences of opinion. And that can lead to lawsuits. If a client accuses you of doing unacceptable work, defending yourself in court can be expensive – even if you [...]

By |2020-08-19T10:02:38-06:00August 19th, 2020|Blog, Commercial Insurance|Comments Off on Errors and Omissions Insurance

$30 Discount on StreamLabs Water Monitoring and Leak Detection System

Water damage can be a costly home insurance claim.  When it comes to water damage, coverage can get tricky.  The water damage has to come from a covered event (peril). Even if a water claim is covered,many companies exclude coverage for mold or greatly limit the amount of coverage.  If the water damage causes mold, [...]

By |2020-07-30T14:40:52-06:00July 30th, 2020|Blog|Comments Off on $30 Discount on StreamLabs Water Monitoring and Leak Detection System

Parking Lot Car Accidents – What You Need to Know

In my 10+ years in the insurance industry, I rarely see parking lot car accidents end well. Since most parking lots are privately owned, police generally won't respond to a minor car accident in a parking lot.  Without a police report, it's difficult for an insurance company to assign fault.  It normally is a matter [...]

By |2020-07-29T16:54:41-06:00July 29th, 2020|Auto Insurance, Blog|Comments Off on Parking Lot Car Accidents – What You Need to Know

Glass Coverage

If you live, work and drive along the Colorado Front Range, you're probably used to chipped and cracked windshields.  Many insurance companies offer different types of glass coverage.  It's important to know what type of glass coverage (if any) applies to your auto insurance.  Glass coverage isn't automatically part of an auto insurance policy, you [...]

By |2020-07-27T14:53:05-06:00July 27th, 2020|Auto Insurance, Blog|Comments Off on Glass Coverage