Denver Metro 303.452.6662 | Northern Colorado 970.800.4030

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.

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.

Inflation and the Insurance Industry

There's no denying that inflation is on the rise like we haven't seen in decades.  All you need to do is go to the grocery store or fill up your gas tank and you will feel the pinch.  The official numbers say, as of October 2021, inflation has risen 6.4%, not including food prices. I've [...]

By |2021-11-18T15:27:34-07:00November 16th, 2021|Blog|Comments Off on Inflation and the Insurance Industry

Water Loss Prevention Technology

Automated Leak Protectors Guard Against Potential Water Damage Water leaks from burst pipes, plumbing failures and related problems can cause catastrophic damage to your home. Fortunately, there’s new technology – automatic leak detectors – that can help you avoid this damage. Water damage that goes undetected while you’re on vacation, away for the weekend or [...]

By |2021-11-01T17:04:52-06:00November 1st, 2021|Blog|Comments Off on Water Loss Prevention Technology

Hail Damage? Proceed With Care

Hail damage in Colorado was up in 2021 compared with 2020 and that means more insurance claims for repairing or replacing roofs. If you believe your home may have hail damage that warrants repair or replacement, you should proceed with care. For beginners, I recommend you contact my office for a referral to a qualified-roofer. [...]

By |2021-09-30T16:06:01-06:00September 30th, 2021|Blog|Comments Off on Hail Damage? Proceed With Care

Grilling May Not Be Allowed in Your Own Backyard!

You’ve just rented an apartment or bought a condo with a nice deck you consider perfect for grilling – until your landlord or HOA says you can’t. Your landlord or HOA is unfortunately right. And as difficult as it is to realize, you should be grateful they’re enforcing that rule. For many years, the International [...]

By |2021-08-23T14:12:21-06:00August 23rd, 2021|Blog|Comments Off on Grilling May Not Be Allowed in Your Own Backyard!

Customized Vehicle Means You Need Customized Insurance

If you have a customized vehicle, you need customized insurance. Insurance companies use the VIN from your vehicle to help determine the value if you have an insurable loss. But what about the hundreds or even thousands of dollars you spent customizing your vehicle? Examples of customization can be roll bars, upgraded sound systems, additional [...]

By |2021-07-26T12:47:02-06:00July 23rd, 2021|Uncategorized|Comments Off on Customized Vehicle Means You Need Customized Insurance

OEM Parts Versus Aftermarket Parts for Repairs: A Simple Solution

Your car’s involved in an accident, and as long as you have collision coverage, the damage is likely covered by insurance. What about the parts used for the repairs? Many vehicle owners insist on OEM (original equipment manufacturer) parts from the auto’s manufacturer for any replacement parts. But in Colorado, insurance companies aren’t required to [...]

By |2021-06-16T09:40:27-06:00June 16th, 2021|Auto Insurance, Blog|Comments Off on OEM Parts Versus Aftermarket Parts for Repairs: A Simple Solution
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