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Senate committee orders interim study on homeowners insurance amid rising premiums and wildfire risk

Senate Business and Labor Committee · April 28, 2025
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Summary

Lawmakers voted to concur on HJ 61, directing an interim study into rising homeowners and property insurance costs in Montana after industry and consumer witnesses described tighter reinsurance markets, wildfire exposure and limited state‑level data.

Representative Josh Seckinger opened House Joint Resolution 61, saying Montana homeowners have seen premiums rise sharply and that insurers are reducing coverage in high wildfire‑risk zones. "Over the last five years, homeowners in our state have seen their premiums jump over 44%," Seckinger said, and he described the measure as a bipartisan interim study supported by the insurance commissioner's office.

Industry witnesses described systemic drivers. Bruce Spencer of the National Association of Mutual Insurance Carriers said reinsurance markets have tightened following catastrophic losses…

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