September 20, 2025
AgencyHow Age, Rarity, and Restoration Can Affect the Value of Collector Car Insurance
Collector car insurance is designed to meet the unique needs of vintage, classic and specialty vehicles, making it a potentially invaluable investment. Unlike standard auto insurance, it considers factors that are specific to collectible automobiles, such as age, rarity and restoration status, which may significantly affect coverage needs, options and premiums. Why Collector Car Insurance […]
August 15, 2025
AgencyWhat Qualifies as a Collector Vehicle for Insurance Purposes?
Collecting, restoring and displaying classic automobiles can be an enjoyable, rewarding and lucrative venture. However, even the most meticulous and experienced collectors must account for the possibility of accidents and other incidents. Given the expensive investment these vehicles represent, understanding how to insure them is critical. At , we can help collectors confirm eligibility for […]
July 18, 2025
AgencyDo I Need Specialized Insurance for a Collector Vehicle?
Owning a collector, antique or classic vehicle can represent a significant investment with potentially expensive financial risks. These automobiles and their parts can be costly, while still often bearing many of the same liability concerns as everyday cars and trucks. Furthermore, collector vehicles may carry sentimental value, meaning that you might be in particular need […]
May 24, 2025
AgencyMotorcycle Insurance for Seasonal Riders: What You Need to Know
Seasonal motorcycle insurance is a practical option for riders who don’t use their bikes year-round or those who store their bikes during the off-season. It offers the flexibility to save money while providing essential coverage during the riding season. What Is Seasonal Motorcycle Insurance? Seasonal motorcycle insurance may provide coverage during the months you […]
April 20, 2025
AgencyWhat Are the Different Types of Bonds?
Businesses may require extensive loss control measures to account for potential accidents, errors or other situations in which something’s gone wrong. Bonds can play a particularly essential role in these preparations, but understanding them can be a complicated and even confusing venture. At Herman Bell Insurance Agency, our team has the knowledge and experience to […]
February 26, 2025
AgencyRental Car Reimbursement: Is It a Necessary Add-On?
Rental car reimbursement coverage can be a valuable addition to your policy, but is it truly necessary? Understanding what rental car reimbursement entails and how it can benefit you can help you make an informed decision. What Is Rental Car Reimbursement? Rental car reimbursement is an optional coverage that provides financial protection for renting a […]
January 30, 2025
AgencyHow Does Insurance for a Collector Vehicle Differ From Standard Insurance?
Unlike standard vehicles, collector cars often require specialized coverage to protect their value and ensure they are adequately insured. Valuation and Coverage Limits One of the primary differences between insurance for collector vehicles and standard auto insurance is how the vehicle’s value is determined. Standard auto insurance policies typically use actual cash value (ACV) to […]
October 26, 2024
hbadminHow to Review and Update Your Home Insurance Policy Annually
Homeowners insurance is critical to safeguard your property financially. However, simply purchasing a policy and forgetting about it isn’t enough. Reviewing and updating your home insurance policy annually is essential to ensure you have ample coverage. Why You Should Update Your Policy Market fluctuations and renovations can alter your home’s value, while new purchases like […]
September 23, 2024
AgencyComprehensive vs. Collision Coverage: What’s the Difference?
Dealing with auto insurance can be challenging, but it’s essential to understand the differences between comprehensive and collision coverage to make wise choices. Both types of coverage can be helpful to drivers, especially after accidents or other unforeseen mishaps. What Are Comprehensive and Collision Coverage? Comprehensive and collision coverage are two types of auto […]
January 19, 2024
AgencyWhy You Should Work With an Independent Insurance Agency
Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]