Proposed Legislation Puts Affordable Home Insurance Out of Reach for Illinois Families
Protect affordability and choice. Vote NO on HB 3799.
HB 3799 hurts Illinois consumers. It would raise premiums, reduce competition, and destabilize a market that has served families well for decades. For affordability and choice, lawmakers should VOTE NO – AGAIN.
HB 3799 was defeated in veto session (Nov. 2025) and is being brought back, proving that bad ideas don’t always go away.
Illinois’ market works and consumers benefit
Illinois families are feeling higher costs across the board. Severe weather and rebuilding inflation have pushed insurance costs higher across the U.S. Yet our state’s competitive market helps keep coverage available and affordable.
- Rates: Independent analysis finds Illinois homeowners’ coverage is more affordable than the U.S. average, reflecting a healthy, competitive market.
- Choice: 200+ insurers actively compete here, giving consumers options.
- Regulatory balance: Illinois ranks #9 nationally for effective, pro-consumer insurance regulation that supports competition.
- Weather reality: Illinois is among the top states for hail-related losses, yet competition has kept downward pressure on costs for consumers.
Why HB 3799 is harmful
The proposal would create a more extreme regulatory model than any other state, injecting uncertainty and delay into a market that is working for consumers.