Remember that before a hard fork can practially happen there is a soft fork that moves all miners on to new software, and this new software is what is coded to trigger the hard fork. It is necessary to move the miners away from the old chain first so that people are unable to continue to use the old chain after a hard fork. SegWit2x is the best candidate for giving us a hard fork right now. Around half of miners are flagging SegWit2x support, and after July 21st it will trigger a soft fork at 80% or possibly sooner if there is another trigger in the software. I'm having a hard time finding out what the SegWit2x soft fork triggers are,
You may want to have your coins in your own wallet if there is a HF so that you get your coins on both sets of a split. An eWallet will likely give you one set of coins and sell the other set of coins if they're worth anything.