FAQ

You may click on Contact Us and our goal is to respond to your specific question within two hours on any business day, or you may contact your local Farm Bureau agent.
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You may request cancellation of your policy by clicking on Contact Us. Your request should include the effective date of the cancellation and the reason you are requesting cancellation. If you have moved, we will need your new mailing address for any premium refund due you. If your mortgage company paid the premium from an escrow account, any resulting premium refund will be sent to the mortgage company for disbursement.

You may also contact your local Farm Bureau agent to sign a cancellation request.
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Since moving may affect your coverages, contact your agent at the local office to make the necessary changes on your policy (or policies) . To find your new agent’s office, see Find an Agent Near You, at the bottom of the page.
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You may report a loss directly to our office by calling our Express Claims Service Center at 1-800-836-6327. The hours are Monday through Friday from 7 a.m.-5 p.m. (CST). Saturday hours are from 8 a.m.-Noon (CST).

You may also report a loss at your local Farm Bureau agent’s office.

Additionally, you may file a claim online.

Please be prepared to give the loss date and state the cause of the loss. All theft losses and vandalism losses must be reported to the police.
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Click on Contact Us. Our goal is to respond to your inquiry within two hours on any business day. You may also contact your local Farm Bureau office.
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To reinstate a lapsed policy, please contact your local office.
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To obtain a duplicate copy of your policy, click on Contact Us or send a written request to Farm Bureau Insurance, P. O. Box 307, Columbia, TN 38402. A duplicate policy will be mailed to you within a few business days.

If for any reason your mailing address has changed, please provide your current or temporary mailing address.
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You may click on Contact Us and ask us directly about your payment. Our goal is to provide an answer within two hours on any business day. Also, you can contact your local Farm Bureau agent, or call our Customer Service Center at 1-877-876-2222 and our staff will be happy to assist you.
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If the additional auto is titled in your name, which also includes your spouse if a resident of the same household, the additional auto will have the broadest coverage that is provided for any auto listed on the declaration, provided we insured all other autos which you own on the date it is titled to you, and you ask us to insure it within 30 days after you acquire ownership.

If a family member who is a listed driver acquires ownership of an auto during the policy period, the broadest coverage we provide under this policy will be extended to the newly acquired auto. If coverage is extended in this situation, it will apply for five days after acquisition of ownership of the auto by the family member that is listed in the declaration. Any comprehensive or collision coverage provided in this situation is subject to a deductible of $500.

NOTE: Motorcycles, one-ton and larger trucks, camping trailers, and 15-passenger vans are not automatically covered unless a like-kind vehicle is already listed on the declaration.

You have the sole responsibility to contact us and this responsibility cannot be delegated or assumed by another person such as car dealership personnel. You may also make this auto change online.
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If the auto you have traded for is titled in your name or your spouse's name, provided you live in the same household, the auto you have traded for will have the same coverage as the vehicle you traded. You must ask us to insure it within 30 days after you acquire ownership.

If the replacement auto is not otherwise afforded comprehensive and/or collision by this policy, and you have comprehensive and/or collision coverage on another auto insured by us, the replacement auto will be extended comprehensive and/or collision coverage for five days after you acquire ownership of the replacement auto. Any comprehensive or collision coverage provided by this situation is subject to a deductible of $500.

NOTE: Motorcycles, one-ton and larger trucks, camping trailers, and 15-passenger vans are not automatically covered unless this type of vehicle is being traded.

You have the sole responsibility to contact us and this responsibility cannot be delegated or assumed by another person such as a car dealership personnel. You may make this auto change online.
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You and your spouse, if a resident of the same household, have coverage extended to an auto you rent on a trip or vacation. Coverage applies only to accidents or losses that occur in the United States of America, it’s territories and possessions, or in Canada. The auto you rent will have the broadest coverage provided for any auto listed on the declaration, provided we insured all other autos which you own on the date you rent the auto. When completing the rental agreement, it is very important you list all the individuals who will drive the auto.

NOTE: Motorcycles, one-ton and larger trucks, camping trailers, and 15-passenger vans are not automatically covered unless a like-kind vehicle is already listed on the declaration.
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The Final Notice or Notice of Cancellation mailed to you indicates the date on either of these notices that will be the last date you can pay your premium and have no lapse in coverage.
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You can use your Visa, MasterCard or Discover card anytime. Follow this link to pay online, or if you prefer, call 1-877-876-2222 to pay through our automated telephone system.

In addition, you can also pay your premiums automatically each month by electronic funds transfer from your checking account. If you are interested in this option, our customer service personnel at your local Farm Bureau office will be glad to help you.
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Insurance cards are provided when new business is issued, at renewal, and when an amended declaration is mailed due to a vehicle change to your policy. Until you receive your cards, we suggest you put a copy of the new business application, a recent change application, or the most current declaration in your vehicle.

If your policy has been issued and your vehicle that you need a card for is already listed on your policy, contact us at FBITN.com and we will e-mail you a card.
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You may click on Contact Us and ask us directly about your payment. We will strive to provide an answer within two hours on any business day. Also, you can contact your local Farm Bureau office or call our Customer Service Center at 1-877-876-2222 and our staff will be happy to assist you.
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It is always best to await instructions from the responding authority, but in cases where there are no injuries and only minor property damage, it may be safer to move your vehicle to the shoulder of the roadway while awaiting arrival of authorities.

Tennessee law provides that if you are involved in a minor traffic accident on a Tennessee interstate or divided highway, you should move your vehicle off the road as soon as possible.

Signs along urban interstates urge motorists to move their vehicles if they are involved in fender benders. Remember, however, this provision of Tennessee law applies only to accidents that occur on a divided, controlled access highway or interstate highway.
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Contact C.L.U.E. at 1-888-497-0011.
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Our claims representatives will gladly assist with claims when coverages are provided by this company. However, where this company does not provide coverage and therefore has no right of subrogation, our claims representatives are unable to contact the other company on your behalf.
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You should make necessary repairs to protect covered property from additional damage following a covered loss. As soon as possible, notify our Express Claims Service Center at 1-800-836-6327. Our Express Claims Service Center is operational 7 a.m.-5 p.m. (CST) Monday-Friday and 8 a.m.-12 noon (CST) on Saturday. If damage occurs outside these hours or during holiday hours, notify the Express Claims Service Center at the first possible opportunity.

Additionally, you may file a claim online.

In addition, make a complete list of damaged property.
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Yes, you should report the claim to the local Farm Bureau office, or notify the Express Claims Service Center at 1-800-836-6327. You should report any accident involving a non-resident, however slight, immediately upon its occurrence.

Additionally, you may file a claim online.
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Notify immediately the local law enforcement agency in the area where the accident, theft or vandalism occurred to report the incident.
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While most people don't think about it, your ability to earn a living is a very significant asset to you and your family. Life insurance is a relatively low cost way to replace the income that will be lost in the event of your premature death.
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There are a few different ways to determine the amount of life insurance you need. Below are the major categories that most experts agree are considered in determining your need for life insurance.

INCOME REPLACEMENT

What will your family need to enable them to maintain the same standard of living if you should die prematurely? Income needs are usually greatest when you have minor children. Most experts agree that you will need 5 to 10 times your annual income for replacement purposes.

MORTGAGE BALANCE

Just as the heading implies, money will be needed to pay the balance of your mortgage. If you rent, you will want to consider putting money aside for a "rent fund."

DEBT REPAYMENT

If you have a car loan, home improvement loan, credit card balances, etc. these will need to be considered when determining the amount of life insurance you need.

EDUCATION FUND FOR CHILDREN

Educating children can be a very expensive task. The average cost of tuition for a 4 year, in-state public university is approximately $3,000 and $17,000 for a private university. Current cost for room and board is about $5,000 per year. Books and other fees should be included as well. You will want to consider this for all children.

FINAL EXPENSES

Final expenses refers to items such as final medical and hospital costs and funeral expenses. The average funeral in America today costs approximately $7,500.

EMERGENCY FUND

You will want to have money set aside for your family to cover major home repairs, auto repairs and medical emergencies. Half of your annual income should be sufficient to cover the emergency fund.

MISCELLANEOUS EXPENSES

You will want to consider an additional amount for this category if you have special needs children, aging parents that are dependent on you or other important, unique needs. Click here to go to our needs analysis table to help you determine your current life insurance needs.
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Farm Bureau Insurance is the leading writer of life insurance in the state of Tennessee. We are a service company of the Tennessee Farm Bureau Federation. We were started in 1973 to meet the many changing life insurance needs of Farm Bureau members and their families in Tennessee. We have a very conservative approach to managing the company. With this philosophy in mind, you can rest assured that the trust you put in us will result in Farm Bureau Insurance always being there when you need us.
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When you make a decision to buy life insurance from Farm Bureau Insurance, you are becoming a part of the family. We consider it an honor to cover your most important asset - your life. Our independent contractor agents, county office personnel and Home Office staff are all dedicated to your complete satisfaction. After all, you're a part of the Farm Bureau family. When you decide to buy life insurance from Tennessee Farmers Life or if you have additional questions, use our office locator, located on the home page, to help find our agents and offices in your community. Our agency force has an office in every county in Tennessee and multiple offices in many communities in Tennessee. Our agents are highly trained, caring individuals who care about you. Once you make the contact, our agent will talk with you and help you make some decisions about the plan and amount that is right for you.
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