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MontanaHB 13669th Legislature, Regular Session (2025)HouseWALLET

Revise property insurance laws relating to preventative measures to reduce damage

Sponsored By: Steve Fitzpatrick (Republican)

Became Law

Insurance

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Homeowner discounts for safety upgrades

The law lets insurers give discounts or other benefits to the named homeowner for steps that lower fire, wind, or hail risk. Examples include fire‑resistant materials, a 5‑foot nonflammable border, defensible space, alarms, and wind‑ or hail‑resistant roofing. Insurers must put any discount in writing to you. These benefits are not illegal rebates under state law. Insurers choose which measures to reward and how much.

Mid‑policy and filed‑rate discounts for homeowners

The law allows insurers to lower your premium in the middle of a policy when you take qualifying prevention steps. Rates filed with the state may also include these homeowner prevention discounts. You may see savings sooner, but insurers are not required to offer them.

Sponsors & Cosponsors

Sponsor

  • Steve Fitzpatrick

    Republican • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 487 • No: 6

House vote • 3/21/2025

Do Concur

Yes: 97 • No: 0

House vote • 3/20/2025

Do Concur

Yes: 96 • No: 2

House vote • 3/17/2025

Do Concur

Yes: 48 • No: 1

House vote • 3/15/2025

Do Concur

Yes: 48 • No: 1

House vote • 1/23/2025

Do Pass

Yes: 99 • No: 1

House vote • 1/22/2025

Do Pass

Yes: 99 • No: 1

Actions Timeline

  1. Chapter Number Assigned

    4/7/2025House

  2. Signed by Governor

    4/7/2025House

  3. Transmitted to Governor

    4/1/2025House

  4. Signed by President

    4/1/2025Senate

  5. Signed by Speaker

    3/28/2025House

  6. Returned from Enrolling

    3/25/2025House

  7. Sent to Enrolling

    3/21/2025House

  8. 3rd Reading Passed as Amended by Senate

    3/21/2025House

  9. 2nd Reading Senate Amendments Concurred

    3/20/2025House

  10. Returned to House with Amendments

    3/17/2025Senate

  11. 3rd Reading Concurred

    3/17/2025Senate

  12. 2nd Reading Concurred

    3/15/2025Senate

  13. Committee Report--Bill Concurred as Amended

    2/5/2025Senate

  14. Committee Executive Action--Bill Concurred as Amended

    2/5/2025Senate

  15. Hearing

    1/28/2025Senate

  16. Referred to Committee

    1/27/2025Senate

  17. First Reading

    1/24/2025Senate

  18. Transmitted to Senate

    1/23/2025House

  19. 3rd Reading Passed

    1/23/2025House

  20. 2nd Reading Passed

    1/22/2025House

  21. Committee Report--Bill Passed

    1/17/2025House

  22. Committee Executive Action--Bill Passed

    1/17/2025House

  23. Hearing

    1/15/2025House

  24. First Reading

    1/8/2025House

  25. Referred to Committee

    1/8/2025House

Bill Text

  • Enrolled

    5/28/2025

    PDF

  • As Amended (Version 3)

    3/24/2025

    PDF

  • As Amended (Version 2)

    2/5/2025

    PDF

  • Introduced

    1/8/2025

    PDF

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