Terms & Conditions
- Premium Notice: Your premium is due on or before the due date.
- This payment will be reviewed and your account will be credited on our next regular business day following the receipt of this payment.
- For those selecting Quarterly, Semi- annual installment options, there will be a $4.00 installment fee assessed for each payment. Partial installment payments will not be accepted.
- Any premium adjustments resulting from changes to the policy will be billed with an amended billing statement or refunded.
- Cancellation Notice: We follow the laws of the State of Tennessee governing the cancellation of property and casualty insurance policies. If a policy is cancelled, any unearned premium will be refunded on a pro-rata basis. If payment is not received by the due date, a cancellation notice for non-payment will be issued.
- If your policy has cancelled for Non-Payment of premium and your payment is being made after the cancellation date, such payment will not reinstate your coverage.
- The company reserves the right to refuse to apply any payment to a cancelled policy.
- If your payment is in cancellation status, please contact your agent before submitting any payment.
- Insufficient funds of premium paid will result in an edited bill being mailed out requesting payment to be remitted to Hamblen Mutual Insurance. An additional service fee $25.00 service will be charged to the insured. Property coverage will be suspended until premium is received during the extended notice time.
Return / Refund Policy
- Any return/ refund of premium will be made by a refund check and mailed from Hamblen Mutual Insurance to the listed mailing address on the policy within 14 days of receipt any overpayment to Insured’s account.
Changes / Cancellations
You must contact your agent to make any policy changes and/or cancellations.
Should you find any errors related to your billing, or have questions regarding your bill, please contact your agent at the number listed on your policy.
Hamblen Mutual Insurance Company
A County Mutual Company
110 N Cumberland Street
Morristown, TN 37814