Department of Insurance
Part 919 of the Rules of the Illinois Department of Insurance requires that our company advise you that, if you wish to take any matter up with the Illinois Department of Insurance, it maintains a Consumer Division in Chicago at 115 S. LaSalle Street, 13th Floor, Chicago, Illinois 60603 and in Springfield at 4800 Wabash Avenue, Springfield, Illinois 62711.
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Latest News
Homeowners Rate ChangeMarch 2026
The Illinois Department of Insurance has granted the Illinois FAIR Plan a rate change for Homeowners policies. The overall statewide average rate increase is 11.6% and will be effective for new and renewal policies on 04/01/26. Please note that homeowners quotes issued by the FAIR Plan under the current rates must be paid by 03/30/26 or the rate increase will be applied to the policy without exception.
Illinois FAIR Plan Policyholders – Please Read CarefullyNovember 2025
The FAIR Plan recognizes that policyholders employed by the federal government may be facing financial challenges due to the federal government shutdown and the resulting loss of income.
Dwelling Fire Rate ChangeMarch 2025
The Illinois Department of Insurance has granted the Illinois FAIR Plan a rate change for Dwelling Fire policies. The overall statewide average rate increase is 13.8% and will be effective for new and renewal policies on 04/01/25. Please note that quotes issued by the FAIR Plan under the current rates must be paid by 03/28/25 or the rate increase will be applied to the policy without exception.
Credit/Debit Card PaymentsMay 2023
Current FAIR Plan policyholders and new applicants can now make on-line premium payments via credit or debit card. The credit/debit card option is in addition to the current on-line payment option using a checking or savings account.
Dwelling Fire Rate ChangeFeb 2023
The Illinois Department of Insurance has granted the Illinois FAIR Plan a rate change for Dwelling Fire policies. The overall statewide average rate increase is 9.6% and will be effective for new and renewal policies on 04/01/23.
Homeowners Rate ChangeApril 2022
Effective on 4/1/22, The overall statewide rate increase is 8.3%.
Illinois FAIR Plan New Premium Payment Mailing AddressDecember 2020
FAIR Plan policyholders are encouraged to use the electronic payment option found under "Quick Links"
Coronavirus PreparednessMarch 2020
The mission of the Illinois FAIR Plan Association is to make basic property insurance available to qualified applicants who have not been able to obtain property insurance.
Homeowner Rate ChangeMay 2018
The Illinois Department of Insurance has granted the Illinois FAIR Plan a rate change for Homeowners policies. The overall statewide rate increase is 2% and will be effective May 1, 2018.
Illinois FAIR Plan Response to December 28, 2015 FloodingDecember 2015
In accordance with the Illinois Department of Insurance Bulletin CB 2015-13 and in support of policyholders affected by the recent flooding, the Illinois FAIR Plan will
Illinois FAIR Plan Will Only Accept Electronic ApplicationsMay 2015
In an effort to improve overall processing efficiencies and move toward a paperless office the Illinois FAIR Plan will no longer accept paper applications for homeowners and dwelling coverage beginning July 15th.