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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.

Privacy Policy


Click here to view our privacy policy

If you have any comments or concerns regarding our privacy policy or the use of your personal information please contact us:

Hamblen Mutual Insurance Company
A County Mutual Company
110 N Cumberland Street
Morristown, TN 37814
(423)586-6041 phone
(423)586-3597 fax