(a) A county mutual insurance company may bring an action in the home county of the company against a policyholder who defaults on the payment of an assessment or premium.
(b) The company is entitled to judgment against the policyholder for:
(1) delinquent premiums or assessments;
(2) foreclosure of the lien described by Section 912.202; and
(3) the costs of an action, including a reasonable attorney's fee in the amount of at least $5.