Thunderstorm Deaths!

September 14th, 2016

Thunderstorm deaths

Thunderstorm deaths

3 Things You Need to Know About Thunderstorm Deaths

According to the National Weather Service, an average of ninety-three deaths and over three hundred injuries happen each year nationwide due to thunderstorms. In many cases, these are unfortunate tragedies that most likely could have been prevented by taking a few common safety precautions. Here are three things you need to know about thunderstorm deaths and injuries.

#1: Most Fatalities and Injuries Are Senseless

When a storm hits, use care and thought to keep yourself from being involved in a scenario that could quickly turn tragic. Stay inside and away from doors and windows. If you must go outdoors, watch for flying debris picked up by the wind and quickly make your way to the nearest shelter. While this may seem simple enough, people simply not paying attention to how serious a storm can be cause a great majority of senseless deaths and injuries.

#2: Drowning is Far Too Common

According to first responders, one of the most common causes of storm deaths is drowning. Many drivers feel as though they can make it across a flooded wash or creek and end up swept away or stranded. In addition, children think playing near storm drains or ditches is a fun way to pass the time. Both scenarios can turn deadly in a hurry, so it is important to stay away from both if possible. Remember, turn around and don’t drown!

#3: Lightning is a Major Cause of Injury and Death

Lightning is another major cause of injury and death each year. Many people who have been struck while standing outdoors and survived often report that they didn’t think the storm was as close as it was or they didn’t think it could happen to them. While staying inside is important, other injury situations involving lightning can take place even while doing so. Avoid taking a shower, washing dishes, bathing, or other water-related activities during a storm. If lightning does strike your home and you are engaging in one of these tasks, there is a large chance you could be electrocuted.

What to Do During a Storm

If a storm does hit in your area, it is important to stay inside and take extra precautions. Make sure you’ve secured all doors and windows appropriately. Put away any patio furniture, accessories, or loose items before the thunderstorm to help prevent the items from becoming projectiles. Preparing for storm season also includes having adequate home and auto insurance coverage. For more information or to review your policy, please contact us today.


Steve Pore is the agency owner of Steve Pore insurance Agency Inc he started as an agency owner with Farmers Insurance Group in 1976. In 2014 he sold his agency to Farmers Insurance and opened his own independent insurance agency. You can reach Steve @ (316) 773-9710 or follow his blog @  or:

Earthquakes In Kansas?

September 6th, 2016

"Yikes" Earthquakes in Kansas

“Yikes” Earthquakes in Kansas

Earthquakes in Kansas, really?  Most all Kansans felt this last one at 7:02 AM Saturday September  03, Wow, what a feeling, I am sure that most of you like me even heard the rumble that came with this 5.6 earthquake.  For some reason it just does not feel natural to have earthquakes in Kansas I mean we are known for our tornadoes and hailstorms and some high winds that can cause damage but not earthquakes, they belong in California like hurricanes belong in Florida and Texas.


Earthquake coverage is not part of your regular homeowners, renters or condominium insurance policy. This coverage will require a separate policy or en

dorsement to your homeowners policy and the deductible will be a percent of your dwelling coverage generally 2% or higher. Check with your insurance company to see if they offer this coverage.


So, the question that seems to be on everyone’s mind right now is should I buy earthquake coverage for my home! Well that depends, the odds are low that we here in Kansas will ever see an earthquake that causes enough damage for you to collect from this type of coverage but then again most people will never see their home destroyed by fire or blown away from a tornado but we sure would not want to be caught without this type of coverage just in case, right.  The cost for this coverage in Kansas can be between $40 and $80 per year in most cases.   The best time to buy earthquake insurance is before an earthquake.

The Insurance Information Institute shows that only 8% of homeowners in the Midwest have earthquake insurance.

You can also check out the Consumer alert from The Kansas Insurance Department.


Steve Pore is the agency owner of Steve Pore insurance Agency Inc he started as an agency owner with Farmers Insurance Group in 1976. In 2014 he sold his agency to Farmers Insurance and opened his own independent insurance agency. You can reach Steve @ (316) 773-9710 or follow his blog @  or:

Progressive Insurance, is it for you?

August 31st, 2016

Progressive Insurance, who are they?  We’ve all heard their commercials and Flo does a great job of catching our attention. And if you travel you can even see her picture at the highway toll booths.  Founded in 1937 with corporate headquarters in Mayfield Village Ohio, U.S., they are known for their low cost auto insurance. Progressive Insurance is one of the largest auto insurers in the United States, along with State Farm, Allstate, GEICO, Nationwide Mutual Insurance Company, Farmers Insurance Group, and USAA.  Progressive sells their insurance products through the Internet and by phone and through more than 30,000 independent insurance agents.  They were a pioneer in allowing the use of mobile browsers and smartphone apps for rating and managing policies.  They were also the first to offer 24/7 claims reporting.  As they have grown, Progressive has sought to be a one-stop insurance provider in order to compete with other top insurance companies.  Progressive is proud of the fact that they have only had two (2) CEOs in its history.

Progressive InsuranceIn December 2009, they announced that they were selling insurance in Australia.

In addition to being a leader in car Insurance they also insure Commercial auto’s and are well known for insuring motorcycles, boats and RV’s such as motorhomes, ATV’s etc. In September 2007 Progressive began to offer Pet Injury coverage providing coverage for dogs and cats if injured in an accident.

They are well known for their low cost quotes and their cashier named Flo who explains the benefits of Progressive Insurance.

They have their Snapshot which is their Pay As You Drive, or usage based program. Snapshot is a voluntary discount option where driver’s can save money on their car insurance based on their driving habits. Snapshot is not available in all states.  Snapshot is a small device that is plugged into your car’s )OBD) port of their car. The customer is charged $50 if they do not return the snapshot device.


Steve Pore is the agency owner of Steve Pore insurance Agency Inc he started as an agency owner with Farmers Insurance Group in 1976. In 2014 he sold his agency to Farmers Insurance and opened his own independent insurance agency. You can reach Steve @ (316) 773-9710 or follow his blog @  or:



New car vs used car?

July 22nd, 2016

Buying a new car vs used car?new-car-dealership

Buying a new car vs used car is an exciting time — but it can also be stressful. After all, you’re trying to get the best deal on price, while also deciding on the make, model and features you need.

Here at SPI Steve Pore Insurance, we can’t really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you’re looking around the lot — and when you’re trying to answer the age-old question of “new, or used?” Read on with an open mind, and you might just come to a different decision the next time you’re on the car lot.

New cars

Ah, that new-car smell. It’s a bit of a cliché, but it’s one of the things that people love about climbing into a brand-new car. And while they make air fresheners that supposedly give you that same smell for your used car, it just doesn’t seem the same, does it? Still, there are other benefits to buying new — and, of course, there are drawbacks as well.

  • PRO — maintenance: Some manufacturers offer free scheduled maintenance for a set period of time after you buy the car, and you likely won’t need a new battery, tires, etc., for several years after your purchase.
  • PRO — peace of mind: Your new car may have a warranty for up to 10 years, and also is covered by “lemon laws” that could allow for a replacement or refund if the car has serious defects.
  • CON — cost: Depending on the make and model, buying a new car is almost always more expensive (at least in terms of the purchase price) than a used car.It’s also worth noting that if you purchase a new car in its first model year (meaning it’s a new model for the automaker), there won’t be many user reviews available, and data on reliability and repairs will be limited. In addition, sometimes newly introduced cars have some kinks that generally are ironed out by the second and third model years. These aren’t necessarily serious issues, and the warranty should cover them, but in some instances, you and your car could be headed to the shop more than you’d like.

Used cars

Don’t care about the new-car smell? Looking to save some money on your purchase? Well, a used car might be right for you. There are many advantages to buying used, but you’ll want to be a little more careful. After all, it’s hard to know exactly how well the previous owner treated the car. But you can limit your risk with a little bit of work.

  • PRO — cost: New cars depreciate quickly after they’re purchased. By buying used, you’re letting someone else take that financial hit over the first few years of the life of the car.
  • PRO/CON — reliability: Buying a used car is less of a gamble than it used to be, particularly with the advent of “certified pre-owned” programs many automakers now offer. However, used cars generally don’t carry the same warranties as new cars, even though the original manufacturer’s warranty is usually transferrable to a second owner.
  • CON — maintenance: While a used car theoretically shouldn’t need more frequent maintenance than a new car, you’ll likely need to replace things like tires, headlights, etc., earlier. And scheduled maintenance probably isn’t covered by the automaker.
  • PRO/CON — history: You’ll need to check the car’s title history to make sure it hasn’t been in a serious accident or salvaged. Ask the dealership to provide this information, usually from Carfax.Of course, whichever car you purchase, the important thing is that it’s a good fit for you. Bear in mind that certain makes and models can result in higher insurance costs for you, so feel free to check in with us before you buy.
  • Have fun shopping — and we’ll see you on the road!

Remember, you should always check with your independent insurance agent to see what the cost will be before finalizing your purchase.

Steve Pore is the agency owner of Steve Pore insurance Agency Inc he started as an agency owner with Farmers Insurance Group in 1976. In 2014 he sold his agency to Farmers Insurance and opened his own independent insurance agency. You can reach Steve @ (316) 773-9710 or follow his blog @  or:


4th of July Safety Tips for your Pets

July 1st, 2016

Pups 2 (640x534) (300x250)In just a few days we will celebrate our country’s Independence! As many of us will join together with family and friends it is important to remember that we must keep our pets safe from the 4th of July activities.

The ASPCA Animal Poison Control Center shares the following tips to help keep our four-legged friends safe from the holiday fun:

Never leave alcoholic drinks unattended where pets can reach them. If pets drink alcohol they can become very intoxicated and weak, severely depressed and could go into a coma.

Keep pets on their normal diet and do not feed them a lot of scraps from the grill. Changes in diet can make your pet severely sick. This is more so in older animals who have a sensitive digestive system.

Never feed your pats foods such as chocolate, grapes, avocado, raisins or onions; these foods are toxic to dogs.

Most importantly, never use fireworks around pets! While exposure to lit fireworks can result in severe burns or trauma to the face and paws of curious pets, even unused fireworks can de dangerous.

Pets can become frightened or disoriented by the sound of fireworks. Keep them in a safe quiet shelter and an inescapable area in your home as they can become so distressed that they could run from the noise and become lost.

Be courteous to your pets, and other people around you by following these tips.

We hope you enjoy your holiday weekend!

For more safety tips for your pets go to:

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Your Home Is On Fire, Is Your Family Ready?

April 27th, 2016

fire safety

Your Home Is On Fire, How Will Your Family Respond?

Are You Prepared? Are you sure?

Seconds can mean life or death. In my business, I help individuals protect and replace their assets should something bad happen like a fire destroying their home. While I can do this, I cannot help them replace the loss of a loved one from a fire. This is why you need to not only have a fire escape plan, but you also need to rehearse that plan with your family, including your children. Actually run through the entire plan from wake up to meeting place. This will alert you to any unforeseen obstacles such as: can your child unlock all doors from both sides, are their windows nailed or painted shut? Make sure they know how to open the screens and storm windows.  If they sleep on the second or third floors, how will they get down safely? What if they sleep in the basement, how will they get out? Do all windows open easily, or have you fixed them so intruders cannot get in? Remember, if your home is on fire seconds can make the difference between life and death. With fire children, will be extremely freighted, they must practice their escape plan and it is the adults’ responsibility to see that they can escape unassisted. Talk to your children. Help them understand that having a plan and knowing what to do in an emergency will help everyone be safe. Explain to them that you will help them to know the way out and once they are out- they stay out. Under NO circumstances should they ever re-enter any building once they are out. Have a planned meeting place, make sure they know what neighbors they should go to for help. Reassure your children that you will meet them at the meeting place and to wait for you there. I can still remember waking our daughters who slept in our basement, from a sound sleep to have a fire drill. We kept the lights off and they had to crawl out the window to safety (I am sure they still remember this as well). Fortunately, we have never had a house fire.

Remember to do the following:

Make sure the address numbers on your home are visible from the street and easy to find.

Never leave cooking unattended.

Never leave candles unattended.

Sleep with all bedroom doors closed to help keep smoke out in the event of fire.

Be sure to keep at least three feet of space around space heaters.

Replace any smoke detectors that are more than 10 years old.

Replace all smoke detector and carbon monoxide detector batteries at least once every year.

Use of Extension cords should only be used for temporary events, such as power tools.                      Power strips used for most other applications.

Review your home insurance to be sure you are properly insured. If you have questions, feel free to call us even if you are not our client.

For more great fire safety ideas check out the link for the National Fire Protection Association (NFPA)

Steve Pore is the agency owner of Insurance Agency Inc., He started as an agency Farmers Insurance  Group in 1976. In 2014 he sold his agency to Farmers Insurance and opened his own independent insurance agency. You can reach Steve @ (316) 773-9710, like our facebook page @


If A Deer Appears On The Road…

March 7th, 2016


Springtime is just around the corner which means the new, fresh vegetation will bring out more deer. And more deer could mean more accidents caused by them! Don’t be one of them! Do you know what you SHOULD and SHOULD NOT do when an animal jumps in front you while on the road? Does your teen driver know? Click HERE for some useful tips you can use this spring and be sure you share them with those drivers you care about.