Illinois 104th General Assembly Status: Introduced 1 D cosponsors

SB2684      — HOMEOWNERS INSURANCE RATES

Last action — Referred to Assignments

  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 October 14, 2025. 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.

Summary

Amends the Illinois Insurance Code. Provides that no insurance company that is authorized to do business in the State and that issues policies for personal multiperil property coverage, commonly known as homeowners insurance, shall use premiums collected from policyholders for executive employee compensation and bonuses, including, but not limited to, Chief Executive Officer stock buy-backs; any marketing materials, including, but not limited to, any print, radio, television, electronic, or digital advertisements; costs associated with lobbying; and contributions to State candidates for elected office, federal candidates for elected office, or political committees. Provides that, if an insurer that sells homeowner insurance policies in the State cancels or refuses to renew a policyholder's insurance policy or if, upon renewal, a policyholder's premium will increase by 10% or more, the insurer shall automatically provide a written notice to the policyholder disclosing the causes of any policy cancellation, non-renewal, or premium increase. Sets forth requirements for the content of the required notice. Provides that an insurer shall, within a reasonable time after providing notice to a policyholder, file electronically with the Department of Insurance a copy of the notice and any supporting documentation provided to the policyholder. Provides that, on or before July 1, 2026, the Department of Commerce and Economic Opportunity shall establish a homeowners and renters insurance affordability assistance pilot program. Sets forth criteria for participating in the pilot program. Repeals the provisions concerning the pilot program on July 1, 2030.

Bill Text

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

Read SB2684 on the official Illinois source →

Action History

  1. Referred to Assignments

  2. First Reading

  3. Filed with Secretary by Sen. Laura Fine

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 182 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (182)

182 members have not signed on to this bill.

Show all 182 →

"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

finance housing health-insurance
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 SB2684      do?
Amends the Illinois Insurance Code. Provides that no insurance company that is authorized to do business in the State and that issues policies for personal multiperil property coverage, commonly known as homeowners insurance, shall use premiums collected from policyholders for executive employee compensation and bonuses, including, but not limited to, Chief Executive Officer stock buy-backs; any marketing materials, including, but not limited to, any print, radio, television, electronic, or digital advertisements; costs associated with lobbying; and contributions to State candidates for elected office, federal candidates for elected office, or political committees. Provides that, if an insurer that sells homeowner insurance policies in the State cancels or refuses to renew a policyholder's insurance policy or if, upon renewal, a policyholder's premium will increase by 10% or more, the insurer shall automatically provide a written notice to the policyholder disclosing the causes of any policy cancellation, non-renewal, or premium increase. Sets forth requirements for the content of the required notice. Provides that an insurer shall, within a reasonable time after providing notice to a policyholder, file electronically with the Department of Insurance a copy of the notice and any supporting documentation provided to the policyholder. Provides that, on or before July 1, 2026, the Department of Commerce and Economic Opportunity shall establish a homeowners and renters insurance affordability assistance pilot program. Sets forth criteria for participating in the pilot program. Repeals the provisions concerning the pilot program on July 1, 2030.
Who sponsors SB2684     ?
SB2684      is sponsored by Laura Fine (Democrat).
What is the current status of SB2684     ?
This bill has been introduced in the Senate. Introduced October 14, 2025. It must pass committee before a floor vote.
Where can I track SB2684     ?
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Last checked for changes 3 months ago · updated continuously

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