Montana Homestead Exemption & Home Improvements

When filing bankruptcy and claiming an exemption under the Montana homestead exemption law, many homeowners fear loosing home improvements and related equipment. Landscaping, heating and air conditioning, out buildings, appliances, and many other ordinary household items represent a substantial investment, yet could be at risk unless precisely following the requirements established by the Montana Homestead Exemption Act.

To become part of real estate, improvements must be permanently attached. For example, an outside bench, if bolted to a patio deck is attached and becomes part of an exempt home, whereas a portable bench would be properly classified as lawn furniture. The maximum value allowed for the state homestead exemption in Montana is $100,000, while all other personal property exemptions are far less.