118 West North Street
Sweetwater, TN 37874
Sweetwater Insurance Agency was started in 1887 in the Sweetwater Bank and Trust
by S. T. Jones. In 1920 the agency was purchased by Jack C. Oates, Sr., who
operated the agency until his son, Jack C. Oates, Jr. joined him in the 1940’s.
In 1949 they were joined by Walter B. Lumsden, Jr., son-in-law of Jack C. Oates,
Sr. After Jack C. Oates, Sr.’s death in 1957, Walter and Jack, Jr. incorporated
the agency in 1972. In 1975 S. Harris Lovingood joined the family and in 1976,
became an agent and began working at the agency. In 1983 Jack C. Oates, Jr.
retired. In 1988 Lou Lumsden Lovingood joined the agency and after Walter
Lumsden’s retirement in the 1990’s, she and Harris became co-owners of the
agency. In 2005 their son, Branham Lumsden Lovingood, became an agent and joined
For the past 89 years
this agency has been a family owned and operated business. The 4 generations of
family owners have been community minded individuals who have served and are
serving the citizens of Monroe County through membership in the Sweetwater
Planning Commission, Sweetwater Historical Commission, Monroe County Relay for
Life, Sweetwater Kiwanis Club, Sweetwater Valley Citizens for the Arts and many
In the age of technology, this agency became automated in 1983 and continues the progressive ideas of automation through our current management system and web based product offerings. Our thrust is to have the feel of a small town agency with personal contact and service to our customers, but with the resources of strong, A.M. Best rated companies that we represent.