# Illinois SB3827: INS-FIRE & EXTENDED COVERAGE

Illinois SB3827, INS-FIRE & EXTENDED COVERAGE, is a 104th General Assembly (2025–2026) Senate bill sponsored by Michael E. Hastings (Democratic); status in committee, last action 2026-02-06 (Referred to Assignments) (as of 2026-10-25).

- Canonical: https://policyrisk.com/state-bill/IL-SB3827-2025-2026
- As of: 2026-10-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois SB3827
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: INS-FIRE & EXTENDED COVERAGE
- Status: in committee
- Chamber: Senate
- Introduced: 2026-02-06
- Last action: 2026-02-06, Referred to Assignments
- Sponsor: Michael E. Hastings (Democratic)
- Cosponsors: 0
- Subjects: assignments
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

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.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Michael E. Hastings (Democratic), Senate

## Actions (3)

- 2026-02-06: Referred to Assignments (Senate)
- 2026-02-06: First Reading (Senate)
- 2026-02-06: Filed with Secretary by Sen. Michael E. Hastings (Senate)

## Bill text

- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3827.pdf)

## Related bills

- SB1937: PENSION CODE-VARIOUS (passed senate)
- HB5198: AFFORDABLE HOUSING-CILAS (passed house)
- 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
- [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3827.pdf)

## Related
- [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026)
- [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026)
- [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-SB3827-2025-2026 (as of 2026-10-25).