--- title: EM Ford RiskGuide Blog | Insurance description: Insurance | Check in with the team at EM Ford for updates on all of your insurance and financial planning needs. --- - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) - [Contact](https://emford.com/contact/) - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) [![E M Ford](https://blog.emford.com/hs-fs/hubfs/raw_assets/public/EMFord_May2020/images/Logo-EM-Ford.png?width=200&height=445&name=Logo-EM-Ford.png "E M Ford")](https://emford.com/) * ** * - [About](https://emford.com/about-our-agency/) - [Meet Our Team](https://emford.com/about-our-agency/meet-our-team/) - 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[Disability Insurance](https://emford.com/employee-benefits/disability-insurance/) - [More Employee Benefits](https://emford.com/employee-benefits/) - [Financial Planning](https://emford.com/financial-planning/) - [Request A Quote](https://emford.com/insurance-quote/) - [Contact](https://emford.com/contact/) - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) ##### [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) 600 Frederica Street Owensboro, KY 42301 - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) Category # Insurance [![](https://blog.emford.com/hs-fs/hubfs/5-3.png?width=380&name=5-3.png) ](https://blog.emford.com/understanding-credit) [Insurance](https://blog.emford.com/tag/insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning) ## [Understanding Credit](https://blog.emford.com/understanding-credit) It’s difficult to imagine functioning in today’s world without credit. Whether buying a car or... [Ryan McDaniel](https://blog.emford.com/author/ryan-mcdaniel) October 27, 2022 [![](https://blog.emford.com/hs-fs/hubfs/3-Oct-21-2021-06-58-19-82-PM.png?width=380&name=3-Oct-21-2021-06-58-19-82-PM.png) ](https://blog.emford.com/do-i-need-earthquake-insurance) [Insurance](https://blog.emford.com/tag/insurance) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) ## [Do I Need Earthquake Insurance?](https://blog.emford.com/do-i-need-earthquake-insurance) The third Thursday of each October is [International ShakeOut Day](https://www.shakeout.org), a day that raises awareness for... [EM Ford](https://blog.emford.com/author/em-ford) October 21, 2021 [![](https://blog.emford.com/hs-fs/hubfs/MM%20social%20May%202021.png?width=380&name=MM%20social%20May%202021.png) ](https://blog.emford.com/money-matters-may-2021-issue) [Insurance](https://blog.emford.com/tag/insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning) ## [Money Matters - May 2021 Issue](https://blog.emford.com/money-matters-may-2021-issue) We are back with our May edition of Money Matters! Ryan is breaking down common facts and myths... [Ryan McDaniel](https://blog.emford.com/author/ryan-mcdaniel) May 11, 2021 [![](https://blog.emford.com/hs-fs/hubfs/MONEY%20MATTERS%20FEB%20SOCIAL.png?width=380&name=MONEY%20MATTERS%20FEB%20SOCIAL.png) ](https://blog.emford.com/february-2021-issue-of-money-matters) [Insurance](https://blog.emford.com/tag/insurance) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning) ## [February 2021 Issue of Money Matters](https://blog.emford.com/february-2021-issue-of-money-matters) In this month's issue of Money Matters, Ryan McDaniel is covering key tax numbers for 2021, the... [Ryan McDaniel](https://blog.emford.com/author/ryan-mcdaniel) February 8, 2021 [![](https://blog.emford.com/hs-fs/hubfs/THANK%20YOU%20FOR%2095%20YEARS.png?width=380&name=THANK%20YOU%20FOR%2095%20YEARS.png) ](https://blog.emford.com/thank-you-from-our-partners) [Insurance](https://blog.emford.com/tag/insurance) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning) [Business Insurance](https://blog.emford.com/tag/business-insurance) [Employee Benefits](https://blog.emford.com/tag/employee-benefits) ## [Thank You From Our Partners](https://blog.emford.com/thank-you-from-our-partners) **We are approaching the holiday season with grateful hearts this Thanksgiving. 2020 has been a year...** [Clay Ford](https://blog.emford.com/author/clay-ford) November 25, 2020 [![](https://blog.emford.com/hs-fs/hubfs/Annual%20Insurance%20Policy%20Review_.png?width=380&name=Annual%20Insurance%20Policy%20Review_.png) ](https://blog.emford.com/national-insurance-awareness-day-reviewing-your-policies) [Insurance](https://blog.emford.com/tag/insurance) ## [National Insurance Awareness Day: Reviewing Your Policies](https://blog.emford.com/national-insurance-awareness-day-reviewing-your-policies) National Insurance Awareness Day is June 28 and no matter if you are insuring a home, automobile or... [EM Ford](https://blog.emford.com/author/em-ford) June 25, 2020 [![](https://blog.emford.com/hs-fs/hubfs/Stock%20images/Hand%20typing%20on%20modern%20laptop%20notebook%20computer%20with%20future%20graph%20icons%20and%20symbols.jpeg?width=380&name=Hand%20typing%20on%20modern%20laptop%20notebook%20computer%20with%20future%20graph%20icons%20and%20symbols.jpeg) ](https://blog.emford.com/cyber-security-is-your-data-safe) [Insurance](https://blog.emford.com/tag/insurance) [Business Insurance](https://blog.emford.com/tag/business-insurance) ## [Cyber Security: Is Your Data Safe?](https://blog.emford.com/cyber-security-is-your-data-safe) The stay-at-home orders during COVID-19 left thousands of companies with no choice but to send... [EM Ford](https://blog.emford.com/author/em-ford) June 19, 2020 [Insurance](https://blog.emford.com/tag/insurance) ## [COVID-19 Carrier Relief Efforts](https://blog.emford.com/covid-19-carrier-relief-efforts) Due to the impact of COVID-19 and "stay at home" orders, many carriers are offering discounts and... [Somer Dunaway](https://blog.emford.com/author/somer-dunaway) April 20, 2020 [Insurance](https://blog.emford.com/tag/insurance) [Employee Benefits](https://blog.emford.com/tag/employee-benefits) ## [COVID-19 Understanding Unemployment Resource Page](https://blog.emford.com/covid-19-understanding-unemployment-resource-page) Unemployment filings are at an all-time high due to the impact of COVID-19 on businesses and the... [EM Ford](https://blog.emford.com/author/em-ford) April 2, 2020 [Insurance](https://blog.emford.com/tag/insurance) [Employee Benefits](https://blog.emford.com/tag/employee-benefits) ## [COVID-19 Employee Benefits Resource Page](https://blog.emford.com/covid-19-employee-benefits-resource-page) With new information being released daily, we know it may be difficult to find the answers you are... [EM Ford](https://blog.emford.com/author/em-ford) April 2, 2020 #### About EM Ford EM Ford is an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected. 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