Revise insurance laws relating to interest of a named insured and change of interest by transfer on death

This bill updates Montana insurance laws to clarify how property insurance coverage continues after a named insured dies when using a transfer on death deed. It ensures that insurance on real property does not end when ownership transfers to a beneficiary through this legal tool, allowing coverage to extend to the new owner for up to 45 days or until a new policy is purchased. The legislation also specifies that insurance coverage automatically extends to the designated beneficiary as if they were the original named insured, while protecting household members who remain covered under the policy. These changes affect homeowners and property owners in Montana who use transfer on death deeds to pass property to beneficiaries without going through probate.