Business Details
7 Years
experience
Your Trusted Colorado Insurance Partner
Premier Mountain Insurance is a family-owned independent insurance agency with over 15 years of experience serving Colorado residents. We specialize in providing personalized insurance solutions for families, businesses, and property owners through offices in Littleton and Fort Collins. Our team works with a wide panel of top-rated carriers to offer tailored coverage options for auto, home, commercial, life, Medicare, and specialty insurance needs.We prioritize understanding each client's unique circumstances to deliver comprehensive protection while maintaining transparency and value. Our commitment extends beyond policy sales through ongoing support, regular coverage reviews, and community engagement initiatives. With a focus on long-term relationships, we aim to be a trusted partner in risk management for both personal and business clients across Colorado's diverse regions.
Services
Auto Insurance
Home Insurance
Commercial Insurance
Life Insurance
Medicare Plans
Pet Insurance
Toy Insurance
Rental Property Insurance
Umbrella Policies
Wildfire Zone Coverage
Details
- Year established: 2019
Highlights and features
- We offer over 15 years of experience in the insurance industry
- We work with a wide panel of carriers to provide tailored coverage
- Our team includes specialists in personal, commercial, and Medicare insurance
- We provide personalized service with no pressure sales tactics
- We offer local expertise with statewide coverage capabilities
What people say
Fantastic business owner
Saved us money
Knowledgeable and trustworthy
Thorough and reliable
Best insurance agent
Services
Auto Insurance
We provide comprehensive auto insurance solutions with liability, collision, and comprehensive coverage options. Our policies protect against accidents, theft, and natural disasters while offering additional benefits like roadside assistance and rental car reimbursement. Our agents help clients navigate coverage options to find affordable rates that meet Colorado's requirements and individual needs.
Home Insurance
Our home insurance policies protect against damage from fire, storms, and other covered perils. We offer standard HO-3 policies and specialized coverage for high-value homes, landlords, and properties in wildfire zones. Additional options include flood insurance and personal umbrella policies to enhance protection for Colorado homeowners and property investors.
Commercial Insurance
We provide tailored commercial insurance packages including general liability, property insurance, and workers compensation. Our business insurance specialists help Colorado companies protect against operational risks with customized policies for construction, retail, and professional services. We also offer cyber insurance and employment practice liability coverage for modern businesses.
Medicare Plans
Our Medicare specialists help clients navigate healthcare options during retirement. We offer Medicare Advantage plans, prescription drug coverage, and Medigap policies to supplement original Medicare benefits. Our agents provide personalized guidance to help Colorado seniors choose plans that balance premium costs with out-of-pocket expenses for medical needs.
Life Insurance
We offer term and whole life insurance policies to protect families and businesses. Our life insurance solutions provide financial security for dependents, mortgage protection, and estate planning tools. We work with multiple carriers to find policies that match clients' budget and long-term financial goals across Colorado.
People
Mike Schmisek
President and Founder
With over 15 years in insurance, Mike founded Premier Mountain Insurance in 2019 after running a successful Farmers Agency. He previously worked in retail management leading teams of 100+. Recognized for industry leadership, he co-founded Social Heroes to train agents in digital growth strategies.
Pete Schmisek
Personal Lines Agent
Specializing in high-net-worth clients, Pete helps families with complex coverage needs across multiple properties. He works with carriers like Chubb and Nationwide to create customized risk management strategies. Focuses on protecting luxury assets and multigenerational households in Colorado's wildfire zones.
Lucas Richmond
Life, Health and Medicare Agent
A former Farmers Insurance award-winning agent, Lucas brings expertise in life insurance and Medicare planning. He developed community programs like Standout Student of the Month and Jingle all the Weights. Recognized with Fort Collins' Hometown Hero Award in 2016 for community service.
Laura Mortimer
Commercial Insurance Agent
With 15+ years in insurance, Laura specializes in commercial policies for Colorado businesses. Holds management degrees and combines technical knowledge with practical experience. A lifelong Fort Collins resident familiar with local business needs, serving clients from the Northern Colorado office.
David Seagraves
Personal Lines Agent
A Colorado native focused on building long-term client relationships. Helps individuals adapt insurance coverage through life changes. Available for consultations at the Littleton office, emphasizing comprehensive options tailored to each client's evolving personal circumstances.
Questions
What types of insurance do you offer?
We offer auto, home, life, Medicare, commercial, pet, toy, and specialty insurance policies for Colorado residents and businesses.
Are you a local Colorado agency?
Yes, with offices in Littleton and Fort Collins, we serve clients across Colorado including Denver, Boulder, and Colorado Springs areas.
Can you help with high-risk insurance needs?
Yes, we specialize in coverage for wildfire zones, luxury properties, and complex commercial risks through our network of specialty carriers.
Do you offer Medicare enrollment assistance?
Yes, our specialists provide free Medicare plan comparisons and enrollment help to find the most cost-effective coverage for your needs.
How do you find competitive rates?
As an independent agency, we compare rates from multiple carriers to find the best coverage at competitive prices for each client.
What sets you apart from other agencies?
Our personalized service approach combines local expertise with access to multiple carriers, ensuring tailored solutions rather than one-size-fits-all policies.
