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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)

Signed by Governor

Insurance

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Home insurance discounts for prevention

The law lets home insurers give a discount to the named insured for steps that cut fire, wind, or hail risk. Examples include ignition-resistant or noncombustible materials, a five-foot nonflammable border, an outside water source, resistant roof shingles, anchoring outdoor furniture, pruning, and protective covers. If your insurer gives this discount, it must put the benefit in writing to you. The discount is not an illegal rebate and can be added mid-policy without counting as a rate increase. Insurers can also include these discounts in their official rate filings. The amount and whether a discount is offered are up to each insurer.

Sponsors & Cosponsors

Sponsor

  • Steve Fitzpatrick

    Republican • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 489 • No: 6

House vote • 3/21/2025

Do Concur

Yes: 97 • No: 0

House vote • 3/20/2025

Do Concur

Yes: 98 • No: 2

Senate vote • 3/17/2025

Do Concur

Yes: 48 • No: 1

Senate 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 Senate Amendments

    3/21/2025House

  9. 2nd Reading Senate Amendments

    3/20/2025House

  10. Returned to House with Amendments

    3/17/2025Senate

  11. 3rd Reading

    3/17/2025Senate

  12. 2nd Reading

    3/15/2025Senate

  13. Committee Report

    2/5/2025Senate

  14. Committee Executive Action

    2/5/2025Senate

  15. Hearing

    1/28/2025Senate

  16. Referred to Committee

    1/27/2025Senate

  17. 1st Reading

    1/24/2025Senate

  18. Transmitted to Senate

    1/23/2025House

  19. 3rd Reading

    1/23/2025House

  20. 2nd Reading

    1/22/2025House

  21. Committee Report

    1/17/2025House

  22. Committee Executive Action

    1/17/2025House

  23. Hearing

    1/15/2025House

  24. 1st 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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