The following definitions apply to this subchapter:

(1) "Fire premium" means the portion of property insurance premium an insurer reasonably attributes to insurance against fire, in relation to all other risks covered by the property insurance policy at issue.

(2) "Presumptively reasonable allocation" means the minimum percentage of fire premium the CSI determines to be reasonable pursuant to 33-2-705(3), MCA, without further justification from the insurer.