Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateIllinoisIntroduced
SB 3848: INC TX-INSURANCE DEDUCTION
John Curran
SB 3848 status: Introduced — Added as Co-Sponsor Sen. Donald P. DeWitte (updated Sep 21, 2026).
Source
LegiScan
Confidence
High
Analysis basis
LegiScan full bill text
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
58OUT OF 100
Score:58/100 civic fit
Risk:Low Risk
Impact:Moderate Impact 40/100
Constitutionality95%
Bipartisan50%
Public opinion80%
Bill summary
What changes
Creates a new state income tax deduction for Illinois taxpayers equal to the year-over-year increase in homeowner's insurance premiums for their principal residence.
Who is affected
Illinois homeowners who pay for their own insurance and have lived in the same principal residence for the entirety of both the current and preceding taxable years.
Requirements and enforcement
Taxpayer must provide documentation of insurance premiums for the current and prior year; only one owner may claim the deduction per property.
Costs and funding
Reduces state income tax revenue by the aggregate amount of the new deductions claimed by eligible residents.
When it takes effect
Effective immediately upon becoming law, applicable to upcoming tax cycles.
Potential benefits
Provides targeted financial relief for households struggling with significant annual increases in home insurance costs.
Risks and tradeoffs
The narrow eligibility criteria excludes renters and homeowners who have recently moved or refinanced; potential for administrative complexity.
What is still unknown
The total fiscal impact to the Illinois Department of Revenue is not quantified in the provided text.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Positive outlook
60%
Benefits
- Provides tax relief to homeowners experiencing rising insurance costs
- Potentially increases disposable income for qualifying households
- Incentivizes continued homeownership through long-term residency requirements
Risks
- Reduces state income tax revenue
- Complexity in calculating deductions may increase compliance burdens
- Benefits limited to those with stable residences for multiple years
Society
Mixed / Neutral
55%
Benefits
- Supports housing affordability for long-term residents
- Reduces financial strain on families due to rising living costs
- Helps residents maintain principal residences despite cost volatility
Risks
- Renters do not benefit from this insurance-related deduction
- Only one taxpayer per property can claim, potentially causing disputes
- May exclude newer residents who haven't met the residency threshold
Technology Industry
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Civic Accountability
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Public Health & Safety
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
LegiScan
Official bill text or data from LegiScan.
Confidence
High
Information is complete and verified.
Analysis basis
LegiScan full bill text
Source used for this bill's analysis.
Source note
The 'same residence' requirement disqualifies those who moved within the last two years
Analysis scope
Economic impact is dependent on volatility of regional insurance markets
04
Where it stands
Official record- IntroducedCurrent
- CommitteeUpcoming
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
How it affects your district
✦ Personalized
Set your location
Add your district to see how this bill may affect your community and who to contact.
Your Representatives
Your representatives appear here once you add your location.
06
Take action
Contact your representatives
Let them know how you feel about this bill.
Share your view
Join the discussion and see what others are saying.
Track this bill
Stay updated on progress and changes.