# Illinois SB2910: INS-FAIR PLAN ASSOCIATION Illinois SB2910, INS-FAIR PLAN ASSOCIATION, is a 104th General Assembly (2025–2026) Senate bill sponsored by Julie A. Morrison (Democratic); status signed, last action 2026-07-24 (Public Act . . . . . . . . . 104-0645); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-SB2910-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois SB2910 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: INS-FAIR PLAN ASSOCIATION - Status: signed - Chamber: Senate - Introduced: 2026-01-27 - Last action: 2026-07-24, Public Act . . . . . . . . . 104-0645 - Sponsor: Julie A. Morrison (Democratic) - Cosponsors: 3 - Subjects: assignments, insurance - Touches household money: yes - Roll calls: 4 (191 yes, 0 no in all) - Economic provisions PRIA read: 4 ## Summary Amends the Illinois Insurance Code. Changes the title of the Urban Property Insurance Article to the Availability of Property Insurance Article. Provides for regulation of an association, commonly referred to as the Illinois FAIR Plan Association, of all admitted insurers engaged in writing in the State, on a direct basis, basic property insurance or any basic property insurance component in multi-peril policies, including, without limitation, excess and surplus insurers, but not including farm mutual companies. Replaces all references in the Article to Industry Placement Facility or Facility with Association and all references to Inspection Bureau with Inspector. Sets forth provisions concerning participation in and management of the Association. Makes changes to provisions concerning application procedures; authorized operations for issuing policies; approval of rates; the right to appeal; reporting requirements; making of assessments; and powers of the Director of Insurance. Provides that an insurer shall, for purposes of ratemaking submissions, include its proportionate share of the Association's deficit or surplus in underwriting results with the method of recognition determined from time to time by the Association's governing committee and the Director. Repeals provisions concerning the Industry Placement Program; premium financing; applications for coverage of risks by the Industry Placement Facility; the Illinois Insurance Development Fund; reimbursement of the Secretary through the Fund; insolvency of companies; and a task force that reviews policy forms and endorsements issued by the Industry Placement Facility. Effective immediately. ## Bill overview: provisions PRIA read - More ways to apply for property coverage: mixed, medium. The FAIR Plan provides an evaluation route for Illinois property owners who cannot get basic insurance after at least 3 unsuccessful attempts. Owner-residents of one- to four-family homes can also apply when the regular market does not renew their coverage. Beginning January 1, 2027, a registered I… - Appeals and limits on FAIR Plan claims: mixed, low. Applicants whose coverage is rejected and policyholders whose policies are canceled or not renewed can appeal to the Association’s committee within 30 days after notice. A party can appeal the committee’s decision to the Director within 30 days; Director orders are subject to judicial review. Claim… - Insurers share FAIR Plan costs: mixed, low. Admitted insurers that write basic property insurance in Illinois must join the Association; farm mutual companies are excluded. Participating insurers cover its expenses and liabilities, and the Association can assess members after a loss. Members’ shares depend on their portion of Illinois proper… - Rules for FAIR Plan insurance policies: mixed, low. The Association can issue basic property insurance and set rules for applications, inspections, rates, deductibles, claims, and other policy terms. Beginning January 1, 2027, it must file proposed rates for the Director’s review; the Director has 60 days to approve or reject them and can add 30 day… ## Sponsors and cosponsors - Sponsor: Julie A. Morrison (Democratic), Senate - Cosponsor: Bob Morgan (Democratic), House - Cosponsor: Jeff Keicher (Republican), House - Cosponsor: Seth Lewis (Republican), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-05-21 | House | Third Reading - Short Debate - Passed | pass | 107 | 0 | | | 2026-05-05 | House | Do Pass / Short Debate Insurance Committee; | pass | 15 | 0 | | | 2026-04-16 | Senate | Third Reading - Passed; | pass | 57 | 0 | | | 2026-02-18 | Senate | Do Pass as Amended Insurance; | pass | 12 | 0 | | ## Actions (31) - 2026-07-24: Public Act . . . . . . . . . 104-0645 (Senate) - 2026-07-24: Effective Date January 1, 2027 (Senate) - 2026-07-24: Governor Approved (Senate) - 2026-06-18: Sent to the Governor (Senate) - 2026-05-21: Passed Both Houses (Senate) - 2026-05-21: Third Reading - Short Debate - Passed 107-000-000 (House) - 2026-05-19: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2026-05-19: Second Reading - Short Debate (House) - 2026-05-06: Placed on Calendar 2nd Reading - Short Debate (House) - 2026-05-05: Do Pass / Short Debate Insurance Committee; 015-000-000 (House) - 2026-05-05: Added Alternate Chief Co-Sponsor Rep. Jeff Keicher (House) - 2026-04-27: Assigned to Insurance Committee (House) - 2026-04-17: Referred to Rules Committee (House) - 2026-04-17: First Reading (House) - 2026-04-17: Chief House Sponsor Rep. Bob Morgan (House) - 2026-04-17: Arrived in House (House) - 2026-04-16: Third Reading - Passed; 057-000-000 (Senate) - 2026-04-14: Placed on Calendar Order of 3rd Reading ** April 15, 2026 (Senate) - 2026-03-04: Placed on Calendar Order of 3rd Reading March 5, 2026 (Senate) - 2026-03-04: Second Reading (Senate) - 2026-02-18: Added as Co-Sponsor Sen. Seth Lewis (Senate) - 2026-02-18: Placed on Calendar Order of 2nd Reading February 19, 2026 (Senate) - 2026-02-18: Do Pass as Amended Insurance; 012-000-000 (Senate) - 2026-02-17: Senate Committee Amendment No. 1 Adopted (Senate) - 2026-02-17: Senate Committee Amendment No. 1 Assignments Refers to Insurance (Senate) - 2026-02-17: Senate Committee Amendment No. 1 Referred to Assignments (Senate) - 2026-02-17: Senate Committee Amendment No. 1 Filed with Secretary by Sen. Julie A. Morrison (Senate) - 2026-02-03: Assigned to Insurance (Senate) - 2026-01-27: Referred to Assignments (Senate) - 2026-01-27: First Reading (Senate) - 2026-01-27: Filed with Secretary by Sen. Julie A. Morrison (Senate) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2910eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2910enr.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2910.pdf) - Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2910sam001.pdf) ## Related bills - HB5198: AFFORDABLE HOUSING-CILAS (passed house) - SB1937: PENSION CODE-VARIOUS (passed senate) - HB2563: CONDO-RESERVE STUDY (in committee) - HB4701: LIMITATIONS FACILITY FEES ACT (in committee) - SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate) - SB3484: VEH CD-PLATES-REGISTRATION (signed) ## Sources - [Engrossed (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2910eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2910enr.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2910.pdf) - [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2910sam001.pdf) ## Related - [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026) - [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026) - [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026) - [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026) - [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026) - [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026) - [Illinois bills](https://policyrisk.com/states/illinois/bills) - [Illinois state hub](https://policyrisk.com/states/illinois) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IL-SB2910-2025-2026 (as of 2026-11-01).