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About Mike Schmisek

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So far Mike Schmisek has created 67 blog entries.

New For 2019: Sewer Line Insurance For Your Home

A sewer line break on your property can easily cost upwards of $10,000, or even more to repair.  For years this was simply a maintenance issue and insurance companies did not cover this type of wear and tear and maintenance. So, I’m pleased to announce we’ve just introduced Service Line Insurance to protect you against [...]

By | January 24th, 2019|Blog, Home Insurance|Comments Off on New For 2019: Sewer Line Insurance For Your Home

Safety Tips: Don’t Let Fire Spoil Your Holiday Season

December means it’s holiday season. Unfortunately, it also means it’s fire season. There are more house fires during the holidays than any time of the year. The main reason: The many lights -- including candles -- that go with the holidays. I hope you have an enjoyable and safe holiday season. With that in mind, [...]

By | December 21st, 2018|Blog, Home Insurance|Comments Off on Safety Tips: Don’t Let Fire Spoil Your Holiday Season

Insurance Discounts — and Educational Grants — Say “Thank You” to Teachers

I noted in an article last summer that we offer auto and home insurance discounts to certain groups, including teachers. But, as another a way of saying thank you to educators, we also offer grants to teachers several times a year. The insurance discounts are available to all qualifying teachers -- full-time, licensed K-12 teachers [...]

By | December 17th, 2018|Blog|Comments Off on Insurance Discounts — and Educational Grants — Say “Thank You” to Teachers

Is Your Vehicle Wrapped? Time to Talk to your Insurance Agent

“Wrapping” your car with a promotional message can be a good way to advertise your business. It can also affect your car insurance. In many cases, personal auto insurance doesn’t cover business-related use of a vehicle -- and that can include wrapping your vehicle with a business-related promotional message. One reason: If you wrap your [...]

By | November 27th, 2018|Auto Insurance, Blog|Comments Off on Is Your Vehicle Wrapped? Time to Talk to your Insurance Agent

Commercial Co-insurance: What You Don’t Know About Your Insurance Policy

Whether your business has significant assets, or just a one office show, you should understand how your co insurance clause works because it can mean big losses at the time of a claim.  If you are under insuring your property, Co-insurance can result in costly penalties if you aren’t paying attention. What is co-insurance? It’s [...]

By | November 19th, 2018|Commercial Insurance|Comments Off on Commercial Co-insurance: What You Don’t Know About Your Insurance Policy

Rental Tool Insurance

Do you use rental tools in your business? If so, we can offer you a wide range of tool-rental insurance. And, if you use rental insurance provided by the company providing the tools you rent, we almost certainly can save you money as well. Tool rentals can be a significant expense. Many contractors, for example, [...]

By | October 30th, 2018|Blog|Comments Off on Rental Tool Insurance

Insuring Your Employees’ Tools Can Protect Your Business

Did you know you can insure the tools of your employees? When I first suggest this to many business owners, they often laugh and wonder why would they want to insure their employees tools?  The answer is quite simple. For contractors and their employees, tool theft can be a problem -- on the job or [...]

By | October 25th, 2018|Blog, Commercial Insurance|Comments Off on Insuring Your Employees’ Tools Can Protect Your Business

Mysterious Disappearance Can Mean Loss of Insurance Coverage

Many of us enjoy a good mystery -- unless it involves our insurance. If you lose a valuable piece of property, your insurance reimbursement -- or lack of it -- may depend on whether your policy includes a Mysterious Disappearance Clause. A Mysterious Disappearance Clause is just what the name says. If your property, renter’s [...]

By | September 24th, 2018|Blog, Home Insurance|Comments Off on Mysterious Disappearance Can Mean Loss of Insurance Coverage

La agencia de Mike Schmisek Insurance

La agencia de Mike Schmisek Insurance a estado desde el año 2008. Estamos localizados en el área del suroeste de Denver. Nuestro equipo se especializa en darle el mejor servicio que usted merece. La oficina de Mike cuenta con una representante en español con mas de cinco años de experiencia en seguros. El objetivo de [...]

By | September 24th, 2018|Blog, Helpful Tools|0 Comments

Automobile Insurance: Split Limits versus Combined Single Limit

Does your car insurance have split limits or a combined single limit? You probably have split limits. It’s the most common type of automobile insurance coverage. You probably didn’t know that. Or what it means. Let me explain: The state minimum insurance is represented as split limits: $25,000/$50,000/$15,000. The first number represents the most an [...]

By | September 13th, 2018|Auto Insurance, Blog|Comments Off on Automobile Insurance: Split Limits versus Combined Single Limit