Photo of Mike Schmisek

Mike Schmisek

Farmers Insurance Agent in Denver, CO
Address
US 3110 S Wadsworth Blvd Ste 203 Denver, CO 80227
Phone Numbers
Office:
(303) 922-1001(303) 922-1001
Alternate:
(303) 980-0777(303) 980-0777
Fax:
(303) 922-1002(303) 922-1002

Office Hours

Evenings and Weekend by Appointment
Mon:
8 AM - 5 PM
Tue:
8 AM - 5 PM
Wed:
8 AM - 5 PM
Thu:
8 AM - 5 PM
Fri:
8 AM - 5 PM
Sat:Closed
Sun:Closed

Farmers Insurance Agent in Denver, CO

Mike Schmisek Insurance Agency Inc
About Me

Our agency has been serving the Front Range of Colorado since 2008. We specialize in helping families with their home, auto, life and commercial insurance needs.

Give me a call at (303) 922-1001 and I'll be happy to answer any questions you might have.

Languages Spoken: English

Years of Experience

I have over 8 years of experience as a Farmers Insurance agent.

Awards and Honors

Presidents Council, Championship, and Toppers

Areas Served

Denver, CO, Lakewood, CO, Littleton, CO, Westminster, CO, and Arvada, CO

Connect

Insurance Products Offered

Auto
Insurance

Home
Insurance

Life
Insurance

Renters
Insurance

Business
Insurance

Motorcycle
Insurance

Recreational
Insurance

Farmers
Financial
Solutions*

Umbrella
Insurance

*To check background information of this investment professional, visit FINRA BrokerCheck.

Ask Me About:

Schedule an appointment with Mike!

Schedule an appointment with Mike!
Whether you want to talk about moving your insurance to our agency or you're an existing client who would like a Farmers® Friendly Review of your policies, Mike would be happy to take the time to meet with you.

Vacation Rental by Owner Insurance (VRBO Insurance)

Vacation Rental by Owner Insurance (VRBO Insurance)
Vacation Rental by Owner, or VRBO, is the fastest growing rental segment in the U.S. right now. VRBO came about primarily because of the high cost of owning a second home. Many second homes are only used 2 – 3 months of the year. VRBO allows the owner to rent out their property on a short term basis, much like you’d rent a hotel room. There are websites that help facilitate the transaction between the owner and the renter. http://www.vrbo.com/ is one website that owners and renters can go to to lease out or rent a home. We are able to assist you with your VRBO insurance needs in Colorado!
A major concern with renting out your property on a short term lease is, ‘how do I insure my home?’. I often find that the owners of these types of homes are insuring them incorrectly. I’ve found VRBOs insured as secondary residences, vacation homes and landlord policies. The problem with insuring your property as a secondary residence or vacation home is that these policies are written with the assumption that you are the person staying in the home and you aren’t using your property to generate income. These policies also don’t have the appropriate type of liability and don’t cover ‘loss of rental income’. In a worse case scenario, a claim may be denied all together because of a ‘material misrepresentation’ by the insured. Insured have a duty to disclose the use of the property to the insurance company and a duty to read your policies on new business and renewals.

You may be asking, “can’t I insure this as a landord policy? this type of policy includes loss of rent and the expectation that the property generates
income”. You would be correct in that statement, however, a typical landlord policy will have a clause that only long term lessees are allowed, at a minimum, a month to month renter.

It is extremely important that you get a vacation rental policy for your VRBO property. My office offers these policies at a low cost and a great value. It’s important that you speak to a professional, who understands VRBO Insurance. Please call or email today for a quote.
Colorado DUI
by Mike Schmisek According to recent estimates, a DUI conviction can cost as much as $10,000 in the state of Colorado. This expense can primarily come from increased insurance costs over the immediate three to five years following a DUI. If you've been arrested for a DUI, call my office at 303-922-1001. I understand the experience of a DUI can be troubling to your life; both financially and personally. We will treat you with the respect and service we give all our current and prospective clients. A DUI is a very complex situation. Just as you might hire an attorney to guide you through the legal aspects of a DUI; it's equally important to have a licensed insurance professional who can guide you through the complexities of SR22 filings, help you produce the required documents for the DMV, and explain your duties during a license revocation. Your license and your car insurance are too important to trust to a 1-800 number, a lizard or a cartoon character. If you've recently been arrested for a DUI or you're in the process of getting your license back after a DUI, call my office today. It's a move that could keep you from paying too much in insurance premiums over the next few years.
The Farmers Mobile App
An easier way for you to access your insurance anytime, anywhere. This app allows you to use our most popular self-service features, right from your mobile device.
The New and Improved My Farmers®
Introducing the new My Farmers - now managing your insurance is simpler and more convenient than ever. With the new look and feel, My Farmers gives you access to your insurance at your convenience, from almost any device.

We've completely redesigned the My Farmers experience, giving you easy access to:

- Pay bills and manage payment options
- Print your digital ID card
- View your agents' information
- View valuable perks
- Policy documents all in one place
- Sign up for bill and new document notifications
Life Insurance
Life will throw you its share of curve balls. Life Insurance1 can be your financial catcher's mitt. Let me show you how.

My Hardworking Team

Mike Schmisek, Agency Director
Desi Gutierrez, Sales Director
Desiree Paez-Bornhoft, Account Executive
Vanessa Rayo
Sales Assistant