Illinois 104th General Assembly Status: Introduced 9 R cosponsors

SB3848      — INC TX-INSURANCE DEDUCTION

Last action — Added as Co-Sponsor Sen. Erica Harriss

  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the Senate. Introduced February 06, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Not enough signal yet

Not enough signal yet to read this bill's trajectory — we surface a likelihood only once there's real movement (stage, sponsorship, committee, or votes) to point to.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

This bill allows homeowners to deduct increases in insurance premiums on their taxes.

The bill creates a tax deduction for the difference in homeowner's insurance premiums paid between two consecutive years. To qualify, taxpayers must have the same principal residence for both years and only one taxpayer per property can claim the deduction.

What this means for you
  • Families: For families with homeowner's insurance, this deduction can alleviate some financial burden if insurance premiums increase.
  • Consumers: Consumers owning a home will be able to benefit from a potential tax deduction related to how much they pay for insurance.

Summary

Amends the Illinois Income Tax Act. Creates an income tax deduction in an amount equal to the difference between (i) the homeowner's insurance premiums paid on the taxpayer's principal residence during the calendar year that begins during the taxable year for which the deduction is claimed and (ii) the homeowner's insurance premiums paid on the taxpayer's principal residence during the immediately preceding calendar year. Provides that the deduction applies only if the taxpayer has the same principal residence for the entirety of the current taxable year and the immediately preceding taxable year. Provides that, if 2 or more taxpayers are liable for the payment of homeowner's insurance on the same residence during a taxable year, only one such taxpayer may claim a deduction for that single property. Effective immediately.

Bill Text

We don't have the full text on file for this bill yet.

Read SB3848 on the official Illinois source →

Action History

  1. Added as Co-Sponsor Sen. Erica Harriss

  2. Added as Co-Sponsor Sen. Dave Syverson

  3. Added as Co-Sponsor Sen. Sue Rezin

  4. Rule 3-9(a) / Re-referred to Assignments

  5. Rule 2-10 Committee/3rd Reading Deadline Established As May 22, 2026

  6. Rule 2-10 Committee/3rd Reading Deadline Established As May 15, 2026

  7. Rule 2-10 Committee Deadline Established As April 24, 2026

  8. Added as Co-Sponsor Sen. Seth Lewis

  9. Added as Co-Sponsor Sen. Chris Balkema

  10. Added as Co-Sponsor Sen. Jil Tracy

  11. Added as Co-Sponsor Sen. Darby A. Hills

  12. Added as Co-Sponsor Sen. Craig Wilcox

  13. Assigned to Revenue

  14. Referred to Assignments

  15. First Reading

  16. Filed with Secretary by Sen. John F. Curran

Sponsors

Sponsorship breakdown

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1 sponsors · 8 co-sponsors · 174 not signed on

Sponsors (1)

Co-sponsors (8)

Not signed on (174)

174 members have not signed on to this bill.

Show all 174 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

taxation housing
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does SB3848      do?
Amends the Illinois Income Tax Act. Creates an income tax deduction in an amount equal to the difference between (i) the homeowner's insurance premiums paid on the taxpayer's principal residence during the calendar year that begins during the taxable year for which the deduction is claimed and (ii) the homeowner's insurance premiums paid on the taxpayer's principal residence during the immediately preceding calendar year. Provides that the deduction applies only if the taxpayer has the same principal residence for the entirety of the current taxable year and the immediately preceding taxable year. Provides that, if 2 or more taxpayers are liable for the payment of homeowner's insurance on the same residence during a taxable year, only one such taxpayer may claim a deduction for that single property. Effective immediately.
Who sponsors SB3848     ?
SB3848      is sponsored by John F. Curran (Republican), Craig Wilcox (Republican), Darby A. Hills (Republican), Jil Tracy (Republican), Chris Balkema (Republican), Seth Lewis (Republican), Sue Rezin (Republican), Dave Syverson (Republican), and Erica Harriss (Republican).
What is the current status of SB3848     ?
This bill has been introduced in the Senate. Introduced February 06, 2026. It must pass committee before a floor vote.
Where can I track SB3848     ?
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Last checked for changes 3 months ago · updated continuously

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