This bill revises insurance laws in Montana to allow insurers to offer benefits or premium reductions to homeowners who take preventative measures to mitigate the risk of property damage from fire, wind, and hail. The bill specifies that these preventative measures can include using ignition-resistant materials, maintaining defensible space landscaping, and installing fire alarm systems, among others. Insurers are required to disclose any benefits or premium reductions provided to policyholders, and such reductions will not be considered midterm premium increases.

Additionally, the bill amends several sections of the Montana Code Annotated (MCA) to incorporate these changes. Specifically, it clarifies that providing a benefit or premium reduction for preventative measures does not violate existing laws against midterm premium increases or unfair discrimination. The amendments also allow for premium reductions for homeowners who implement these risk-reducing measures, thereby encouraging proactive behavior among policyholders to protect their properties.

Statutes affected:
LC Text: 33-15-1108, 33-16-203, 33-18-210
HB0136_1(1): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(10): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(11): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(12): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(13): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(14): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(15): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(16): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(17): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(2): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(3): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(4): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(5): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(6): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(7): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(8): 33-15-1108, 33-16-203, 33-18-210
HB0136_1(9): 33-15-1108, 33-16-203, 33-18-210
HB0136_1: 33-15-1108, 33-16-203, 33-18-210
HB0136_2(1): 33-15-1108, 33-16-203, 33-18-210
HB0136_2(2): 33-15-1108, 33-16-203, 33-18-210
HB0136_2(3): 33-15-1108, 33-16-203, 33-18-210
HB0136_2(4): 33-15-1108, 33-16-203, 33-18-210
HB0136_2(5): 33-15-1108, 33-16-203, 33-18-210
HB0136_2(6): 33-15-1108, 33-16-203, 33-18-210
HB0136_2(7): 33-15-1108, 33-16-203, 33-18-210
HB0136_2(8): 33-15-1108, 33-16-203, 33-18-210
HB0136_2(9): 33-15-1108, 33-16-203, 33-18-210
HB0136_2: 33-15-1108, 33-16-203, 33-18-210
HB0136_3: 33-15-1108, 33-16-203, 33-18-210
HB0136_X(1): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(10): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(11): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(12): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(13): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(14): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(15): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(16): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(2): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(3): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(4): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(5): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(6): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(7): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(8): 33-15-1108, 33-16-203, 33-18-210
HB0136_X(9): 33-15-1108, 33-16-203, 33-18-210
HB0136_X: 33-15-1108, 33-16-203, 33-18-210