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So far Mike Schmisek has created 49 blog entries.

Vacation Rental By Owner Insurance (VRBO Insurance)

Vacation Rental by Owner, or VRBO, is currently the fastest growing rental segment in the U.S.  Short Term Rentals came about primarily because of the high cost of owning a second home.  Many second homesare only used 2 – 3 months of the year.  VRBO allows the owner to rent out their property on a short [...]

By | August 29th, 2016|Blog, Home Insurance, Mike's Insurance Tips|0 Comments

Homeowner Insurance

If you are preparing to purchase homeowner insurance, congratulations! You are likely about to make one of the most important purchases in your life. There are a number of reasons you will want to purchase the right Homeowner policy from a reputable company and a knowledgeable insurance professional. The top reason: your home is likely [...]

By | August 19th, 2016|Home Insurance|0 Comments

Actual Cash Value versus Replacement Cost

I see hundreds of declaration pages every year from hundreds of insurance companies from all across Colorado.  Oftentimes if an insurance price is "too good to be true", it's because it is.  Consumers need to be wary of an insurance price that is supposed to be 'apple for apples' but has a very low price. [...]

By | July 28th, 2016|Blog|0 Comments

Uninsured Motorist on an Umbrella?

Uninsured Motorist (UM) is a coverage that you are able to waive in the state of Colorado.  The coverage is so important, however, you legally must sign a document if you reject the coverage. Much like auto policies, umbrella policies can either cover UM or they may not cover UM.  Consumers can be confused by [...]

By | July 12th, 2016|Blog, Mike's Insurance Tips|0 Comments

Six Ways to Prepare your Home Insurance for Wildfire Season.

6 Ways to prepare your home insurance for a wildfire With the tragic fires we’ve had in recent years and another dry winter, I figured it was timely to better educate my clients on things you need to look for in your home insurance to be properly covered.  It seems as everybody wants the cheapest [...]

By | June 30th, 2016|Blog, Home Insurance|0 Comments

Identity Theft Monitoring

Colorado is number one in the nation for identity theft. Scary, I know. A new statistic says that 1 in 10 men and 1 in 13 women have their identity stolen. We at Mike Schmisek Insurance Agency are here to help protect you. For about $45 a year, you can add identity theft coverage. Your information [...]

By | May 23rd, 2016|Blog, Home Insurance|0 Comments

You don’t need to be a millionaire to be sued like one! (Part 1)

Our society is getting more and more litigious every day.  $100,000 isn’t what it used to be.  There was a time when carrying $100,000 in liability was great coverage.  While $100,000 is still four times more than the state of Colorado requires, it’s still not enough coverage if you were to injure someone, even slightly, [...]

By | May 13th, 2016|Blog, Mike's Insurance Tips|0 Comments

Five Ways to Keep Your Auto Insurance Costs LOW!

1. Bundle your insurance with one carrier. Insurance companies tend to reward people who insure multiple lines of business. This includes home, autos, rental properties, commercial policies, life insurance, motorcycles, ATVs and much more! 2. Maintain continuous insurance. The longer you carry insurance, the more stable and reliable an insurance company views you. This means [...]

By | April 23rd, 2016|Blog, Mike's Insurance Tips|0 Comments

Eco Rebuild Coverage

Eco Rebuild Coverage is possibly one of the most innovative coverages to have with your home insurance policy. It's good for the environment, and who wouldn't love a house like the one to the left? With Eco Rebuild, if your property is damaged beyond repair, We will pay up to $25,000 to replace all lost property with [...]

By | April 7th, 2013|Home Insurance|0 Comments