# Illinois SB3848: INC TX-INSURANCE DEDUCTION

Illinois SB3848, INC TX-INSURANCE DEDUCTION, is a 104th General Assembly (2025–2026) Senate bill sponsored by John F. Curran (Republican); status in committee, last action 2026-09-21 (Added as Co-Sponsor Sen. Donald P. DeWitte) (as of 2026-10-25).

- Canonical: https://policyrisk.com/state-bill/IL-SB3848-2025-2026
- As of: 2026-10-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois SB3848
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: INC TX-INSURANCE DEDUCTION
- Status: in committee
- Chamber: Senate
- Introduced: 2026-02-06
- Last action: 2026-09-21, Added as Co-Sponsor Sen. Donald P. DeWitte
- Sponsor: John F. Curran (Republican)
- Cosponsors: 10
- Subjects: assignments, revenue
- Touches household money: no
- Economic provisions PRIA read: 0

## 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 overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: John F. Curran (Republican), Senate
- Cosponsor: Chris Balkema (Republican), Senate
- Cosponsor: Craig Wilcox (Republican), Senate
- Cosponsor: Darby A. Hills (Republican), Senate
- Cosponsor: Dave Syverson (Republican), Senate
- Cosponsor: Donald P. DeWitte (Republican), Senate
- Cosponsor: Erica Harriss (Republican), Senate
- Cosponsor: Jil Tracy (Republican), Senate
- Cosponsor: Paul Jacobs (Republican), Senate
- Cosponsor: Seth Lewis (Republican), Senate
- Cosponsor: Sue Rezin (Republican), Senate

## Actions (18)

- 2026-09-21: Added as Co-Sponsor Sen. Donald P. DeWitte (Senate)
- 2026-09-02: Added as Co-Sponsor Sen. Paul Jacobs (Senate)
- 2026-07-13: Added as Co-Sponsor Sen. Erica Harriss (Senate)
- 2026-07-09: Added as Co-Sponsor Sen. Dave Syverson (Senate)
- 2026-07-06: Added as Co-Sponsor Sen. Sue Rezin (Senate)
- 2026-05-22: Rule 3-9(a) / Re-referred to Assignments (Senate)
- 2026-05-15: Rule 2-10 Committee/3rd Reading Deadline Established As May 22, 2026 (Senate)
- 2026-04-24: Rule 2-10 Committee/3rd Reading Deadline Established As May 15, 2026 (Senate)
- 2026-03-13: Rule 2-10 Committee Deadline Established As April 24, 2026 (Senate)
- 2026-03-10: Added as Co-Sponsor Sen. Seth Lewis (Senate)
- 2026-03-09: Added as Co-Sponsor Sen. Chris Balkema (Senate)
- 2026-03-05: Added as Co-Sponsor Sen. Jil Tracy (Senate)
- 2026-03-05: Added as Co-Sponsor Sen. Darby A. Hills (Senate)
- 2026-03-05: Added as Co-Sponsor Sen. Craig Wilcox (Senate)
- 2026-02-24: Assigned to Revenue (Senate)
- 2026-02-06: Referred to Assignments (Senate)
- 2026-02-06: First Reading (Senate)
- 2026-02-06: Filed with Secretary by Sen. John F. Curran (Senate)

## Bill text

- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB3848.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/10400SB3848.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-SB3848-2025-2026 (as of 2026-10-25).