MT HB136

Insurers may offer premium reductions or benefits to homeowners who take preventative measures against fire, wind, and hail damage, including using fire-resistant building materials, maintaining defensible space landscaping, keeping at least 5 feet of nonflammable landscaping around property, and installing alarm systems

Fire prevention measures qualifying for discounts include compliance with the International Wildland-Urban Interface Code, maintaining adequate water sources, and providing sufficient access for firefighting equipment and emergency vehicles

Wind and hail prevention measures qualifying for discounts include using industry-approved resistant roof shingles, anchoring outdoor furniture, pruning tree branches, and installing protective coverings

Insurers must disclose any benefit or premium reduction in writing to the policyholder, and such reductions do not constitute illegal rebates or prohibited midterm premium increases

Amends MCA sections 33-15-1108, 33-16-203, and 33-18-210 to authorize insurers to file rates that include these preventative measure discounts with the insurance commissioner