On this page
Property and casualty rate, rule and form filings in Montana are reviewed by the Montana Office of the Commissioner of Securities and Insurance. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Montana Office of the Commissioner of Securities and Insurance |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Farmowners, Earthquake, Homeowners and auto combination, Product liability, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Montana, each linked to the official text.
- MCA 33-1-501 - Filing of forms, approvalStatute
- MCA 33-18-605 and 33-18-609 - Use of credit information and filing of scoring modelsStatute
- MCA 33-23-401 - Written notice for cancellation or nonrenewal of policies on homesHomeowners · Statute
- MCA 33-18-609 - Filing of scoring modelsCommercial multi-peril · Statute
- Montana CSI - Rates (filing requirements and required certifications)Commercial multi-peril · Department guidance
- MCA 33-16-201 - rate standardsInland marine · Statute
How to search Montana's public rate and form filings
- Montana's Commissioner of Securities and Insurance says insurance company filings can be viewed online at no charge through SERFF Filing Access, linked from its Forms page. Source
- A filer that asks for confidentiality on a property and casualty filing must complete the department's affidavit templates. Source
- Filings can also be viewed in person at the department's Helena office during normal business hours. Source
- If a filing is not found online, the public can submit a public records request. Source
Start from the department's page: Montana Office of the Commissioner of Securities and Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- MCA 33-1-501 - Filing of forms, approvalStatute
- MCA 33-15-1103, 33-15-1105, 33-15-1108 - Cancellation, nonrenewal and midterm premium increasesStatute
- MCA 33-15-325 - Minimum policy language simplification standardsStatute
- MCA 33-16-201 - Standards applicable to ratesStatute
- MCA 33-16-203 - Rates filedStatute
- MCA 33-18-210(11) and (12) - Age limits on adverse loss and driving informationStatute
- MCA 33-18-605 and 33-18-609 - Use of credit information and filing of scoring modelsStatute
- Mont. Code Ann. 30-14-402(4) - Trade secret protection on rate and form filingsDepartment guidance
Last reviewed
Homeowners
Montana sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- MCA 33-16-201 and 33-16-203 - Catastrophe hazards and homeowners preventative measures in rate makingStatute
- MCA 33-18-210(11)(c) and (11)(e) - Seven-year limit on homeowners loss experienceStatute
- MCA 33-23-401 - Written notice for cancellation or nonrenewal of policies on homesStatute
- MCA 33-24-110 - Risk preventative measures for homeowners, premium reduction, fire, wind and hailStatute
- Montana P&C Rate/Rule Filing Guide - Common Areas of Non-Compliance for Personal HomeownersDepartment guidance
Last reviewed
Personal auto
Montana sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- MCA 33-16-222, 33-16-223 and 33-16-230 - Mandatory motor vehicle rate reductionsStatute
- MCA 33-23-201 - Motor vehicle liability policies to include uninsured motorist coverage; rejection by insuredStatute
- MCA 33-23-202 - Reimbursement for total loss of motor vehicle based on actual replacement valueStatute
- MCA 33-23-217 - Return of unearned premiumsStatute
- MCA 33-23-221 through 33-23-226 - Telematics agreementsStatute
- MCA 61-13-104 - Seat belt violation; no record permittedStatute
Last reviewed
Property and dwelling fire
Montana sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- MCA 33-16-103 - Application of the rating chapter to property insuranceStatute
- MCA 33-16-117 - Wildfire risk score in residential property evaluation in ratingStatute
- MCA 33-24-101 and MCA 33-24-103 - Measure of indemnity and specific valuationStatute
- MCA 33-24-102 - Insuring improvements, insurance equal to true valueStatute
- MCA 33-24-105 - Prescribed conformity provision for a property insurance policyStatute
- MCA 33-24-110 and MCA 33-18-210 - Which Montana residential rules reach dwelling fireStatute
Last reviewed
Workers' compensation
Montana sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- Mont. Code Ann. 33-16 part 10 - Workers' Compensation Rates and Advisory OrganizationsStatute
- Mont. Code Ann. 33-16-1011 and 33-16-1012 - the classification review committeeStatute
- Mont. Code Ann. 33-16-1021 - ratemaking standards for workers' compensationStatute
- Mont. Code Ann. 33-16-1022, 33-16-1029, 33-16-1030 and 33-16-1031 - waiting periods, consent to rate and dividendsStatute
- Mont. Code Ann. 33-16-1023, 33-16-1033 and 33-16-1034 - the designated advisory organizationStatute
- Mont. Code Ann. 39-71-435 and 39-71-2211 - optional deductibles and the construction industry premium creditStatute
Last reviewed
General and other liability
Montana sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- Montana CSI - Property and Casualty Rates and Rules Filings Guide (September 2024)Regulation
- MCA 33-1-501 - Filing of forms, approvalDepartment guidance
- MCA 33-16-203 - Rates filedDepartment guidance
Last reviewed
Commercial multi-peril
Montana sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- MCA 33-1-501 - Filing of forms, approvalStatute
- MCA 33-16-203 - Rates filedStatute
- MCA 33-18-609 - Filing of scoring modelsStatute
- Montana CSI - Property and Casualty Rates and Rules Filings Guide (September 2024)Department guidance
- Montana CSI - Rates (filing requirements and required certifications)Department guidance
Last reviewed
Medical professional liability
Montana sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- MCA 33-1-501 - Filing of forms, approvalDepartment guidance
- MCA 33-15-325 - Minimum policy language simplification standardsDepartment guidance
- MCA 33-16-203 - Rates filedDepartment guidance
- Montana CSI - Property and Casualty Rates and Rules Filings Guide (September 2024)Department guidance
Last reviewed
Inland marine
Montana sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- MCA 33-1-501 - form filing and approvalStatute
- MCA 33-16-201 - rate standardsStatute
- MCA 33-16-203 - rates filedStatute
- P&C Rate/Rule Filing GuideDepartment guidance
Last reviewed
Farmowners
Montana sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- MCA 33-16-201 - Standards applicable to ratesDepartment guidance
- MCA 33-16-203 - Rates filedDepartment guidance
- MCA 33-23-201 - Motor vehicle liability policies to include uninsured motorist coverage; rejection by insuredDepartment guidance
- MCA 33-24-110 - Risk preventative measures for homeowners, premium reduction, fire, wind and hailDepartment guidance
- Montana CSI - P&C Rate/Rule Filing Guide (September 2024), common areas of non-compliance for private passenger autoDepartment guidance
Last reviewed
Earthquake
Montana sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- MCA 33-1-501 - Filing of forms, approvalDepartment guidance
- MCA 33-16-203 - Rates filedDepartment guidance
- MCA 33-18-210 - Unfair discrimination and rebates prohibited, limitationsDepartment guidance
- MCA 33-18-609 - Filing of scoring modelsDepartment guidance
- Montana CSI - Property and Casualty Rates and Rules Filings Guide (September 2024)Department guidance
Last reviewed
Homeowners and auto combination
Montana sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- MCA 33-16-201 - Standards applicable to ratesDepartment guidance
- MCA 33-16-203 - Rates filedDepartment guidance
- MCA 33-23-201 - Motor vehicle liability policies to include uninsured motorist coverage; rejection by insuredDepartment guidance
- MCA 33-24-110 - Risk preventative measures for homeowners, premium reduction, fire, wind and hailDepartment guidance
- Montana CSI - P&C Rate/Rule Filing Guide (September 2024), common areas of non-compliance for private passenger autoDepartment guidance
Last reviewed
Product liability
Montana sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- Montana CSI - Property and Casualty Rates and Rules Filings Guide (September 2024)Regulation
- MCA 33-1-501 - Filing of forms, approvalDepartment guidance
- MCA 33-16-203 - Rates filedDepartment guidance
Last reviewed
Title
Montana sources for title filings (SERFF type of insurance 34.0 Title).
- MCA 33-1-501 - Filing of forms, approvalDepartment guidance
- MCA 33-16-203 - Rates filedDepartment guidance
- MCA 33-18-210 - Unfair discrimination and rebates prohibited, limitationsDepartment guidance
- MCA 33-18-609 - Filing of scoring modelsDepartment guidance
- Montana CSI - Property and Casualty Rates and Rules Filings Guide (September 2024)Department guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Montana Office of the Commissioner of Securities and Insurance before you file. All states