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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.

Don’t Overlook Threats From Personal Cyber Crimes

Cyber-related liability claims are the fastest-growing segment of losses in business insurance. But what about personal losses from cyber-related crimes? Personal insurance for cyber-related losses is less common and less available than business insurance. But with widespread personal cyber connections – including cell phones, tablets, personal computers, and Internet-connected TVs and appliances – personal cyber [...]

By |2021-04-01T11:25:57-06:00April 1st, 2021|Blog|Comments Off on Don’t Overlook Threats From Personal Cyber Crimes

5 Tips to Plan the Best RV Route

It’s Spring – prime RV season in Colorado. But, even if you know where you want to go, do you know how to get there? After all, driving an RV is a little different than simply hopping in your car, so we here at Premier Mountain Insurance put together some tips to help you plan [...]

By |2021-03-30T16:53:57-06:00March 30th, 2021|Blog|Comments Off on 5 Tips to Plan the Best RV Route

9 Steps to Better Secure Your Business from a Cyber Criminals

Are your company and employees properly protected from cyber criminals? If your answer is “no,” “maybe,” or “I’m not sure,” I strongly recommend you take the steps needed to change the answer to “yes.” Cyber-related liability claims are the fastest-growing segment of losses in business insurance. According to one report, Ransomware demands increased 40 times [...]

By |2021-02-28T10:08:23-07:00February 28th, 2021|Blog, Commercial Insurance|Comments Off on 9 Steps to Better Secure Your Business from a Cyber Criminals

Eight Ways to Lower Your Car Insurance Rates

Want to lower your car insurance rates? Get married and raise your credit score. What do marriage and credit scores have to do with car insurance? 47 states allow insurance companies to use credit scores to determine car insurance rates, the exceptions being Massachusetts, Hawaii and California.  Insurance companies use credit scores to determine rates [...]

By |2021-01-29T12:33:39-07:00January 29th, 2021|Auto Insurance, Blog|Comments Off on Eight Ways to Lower Your Car Insurance Rates

Hail Damage? Many Insurance Companies Now Imposing Filing Deadlines

Hail damage is nothing new in Colorado. But there is one new wrinkle: Increasingly, Colorado insurance companies are imposing time limits for filing hail-damage claims. The most common deadline is a year from when the damage occurred. But a few companies have a two-year time limit. And some companies have imposed much tighter deadlines, just [...]

By |2021-01-28T09:39:15-07:00January 28th, 2021|Blog|Comments Off on Hail Damage? Many Insurance Companies Now Imposing Filing Deadlines

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