--- title: EM Ford RiskGuide Blog | Personal Insurance description: Personal 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/) - 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[** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) Category # Personal Insurance [![](https://blog.emford.com/hs-fs/hubfs/WATER%20DAMAGE%20LOSS.png?width=380&name=WATER%20DAMAGE%20LOSS.png) ](https://blog.emford.com/avoiding-water-damage-losses) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) ## [Avoiding Water Damage Losses](https://blog.emford.com/avoiding-water-damage-losses) When it comes to water damage losses, no season is safe as they can happen at any time. Each home... [EM Ford](https://blog.emford.com/author/em-ford) March 2, 2023 [![](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/MONEY%20MATTERS%20SOCIAL.png?width=380&name=MONEY%20MATTERS%20SOCIAL.png) ](https://blog.emford.com/march-2021-issue-of-money-matters) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning) ## [Money Matters-March 2021](https://blog.emford.com/march-2021-issue-of-money-matters) Ryan is covering tax season due dates and the rise of interest rates in this month's issue of Money... [Ryan McDaniel](https://blog.emford.com/author/ryan-mcdaniel) March 8, 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/HOME%20INVENTORY%20BLOG.png?width=380&name=HOME%20INVENTORY%20BLOG.png) ](https://blog.emford.com/a-guide-to-home-inventory) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) ## [A Guide To Home Inventory](https://blog.emford.com/a-guide-to-home-inventory) Compiling a list or documenting all of your possessions may seem like an odd, unnecessary and... [EM Ford](https://blog.emford.com/author/em-ford) January 21, 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/HACKERS%20SOCIAL%20FINAL.png?width=380&name=HACKERS%20SOCIAL%20FINAL.png) ](https://blog.emford.com/online-shoppers-hacks-to-avoid-hackers) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) ## [ONLINE SHOPPERS: HACKS TO AVOID HACKERS](https://blog.emford.com/online-shoppers-hacks-to-avoid-hackers) The Black Friday and Cyber Monday sale notifications are bombarding our e-mail inboxes and phone... [EM Ford](https://blog.emford.com/author/em-ford) November 24, 2020 [![](https://blog.emford.com/hs-fs/hubfs/Cold%20Weather%20Checklist%20Graphic.png?width=380&name=Cold%20Weather%20Checklist%20Graphic.png) ](https://blog.emford.com/preparing-your-home-for-winter) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) ## [Preparing Your Home for Winter](https://blog.emford.com/preparing-your-home-for-winter) ### Prep Your Home for Winter: Cold Weather Checklist It's no secret that the weather in Kentucky and... [EM Ford](https://blog.emford.com/author/em-ford) November 13, 2020 [Personal Insurance](https://blog.emford.com/tag/personal-insurance) ## [Understanding Umbrella Insurance](https://blog.emford.com/understanding-umbrella-insurance) The purpose of obtaining insurance is protect you from the unexpected. But what happens when the... [EM Ford](https://blog.emford.com/author/em-ford) September 3, 2020 [Personal Insurance](https://blog.emford.com/tag/personal-insurance) ## [Adulting 101: Insurance Tips for Millennials](https://blog.emford.com/adulting-101-insurance-tips-for-millennials) As a millennial myself, I know this generation tends to get a bad reputation from other generations... [Somer Dunaway](https://blog.emford.com/author/somer-dunaway) July 24, 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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