Illinois SB 3827: INS-FIRE & EXTENDED COVERAGE

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
SB3827

Introduced 2/6/2026, by Sen. Michael E. Hastings 

SYNOPSIS AS INTRODUCED:

215 ILCS 5/Art. XLVIII heading new

215 ILCS 5/1802 new

215 ILCS 5/1805 new

215 ILCS 5/1810 new

215 ILCS 5/1815 new

215 ILCS 5/1820 new

 Amends the Illinois Insurance Code. Creates the Rates for Fire and Extended Coverage Insurance Article. Provides that the Article applies to policies of fire and extended coverage insurance and establishes policies that are exempt from the Article. Provides that rates shall not be excessive, inadequate, or unfairly discriminatory, as specified. Requires each insurer to file with the Director of Insurance all rates and supplementary rate information for risks that are to be written in this State 20 days prior to the effective date of the rates. Sets forth provisions concerning filing requirements for insurers in competitive and noncompetitive markets and the monitoring duties of the Director concerning market competition and the availability of insurance for the policies of insurance to which the Article applies. Provides that a competitive market is presumed to exist for a line of insurance unless the Director, after a hearing, issues an order stating that a reasonable degree of competition does not exist in the market. Provides that the ruling of the Director regarding market competition is subject to judicial review under the Administrative Review Law. Effective January 1, 2028.

LRB104 20373 BAB 33828 b

A BILL FOR

SB3827LRB104 20373 BAB 33828 b

1 AN ACT concerning regulation.

2 Be it enacted by the People of the State of Illinois, 

3represented in the General Assembly:

4 Section 5. The Illinois Insurance Code is amended by 

5adding Article XLVII