PREMIUMHIKERates, notices, and the statute
Menu

Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

IL · NAIC MIDWEST ZONE

Illinois homeowners insurance non-renewal notice requirements

Hail, tornado, and older city housing. Illinois is in the NAIC Midwest zone.

NOTICE RULE

30 days mailed, or 60 days after five years

215 ILCS 5/143.17 and 215 ILCS 5/143.21.1

Section 143.17 says a company may not fail to renew a policy of the personal fire, extended-coverage, and related kinds defined in section 143.13 unless it mails the named insured at least 30 days’ advance notice, and keeps proof of mailing. The nonrenewal is not effective until at least 30 days after that mailing date. Section 143.21.1 adds a second rule after a fire and extended-coverage policy has been effective or renewed for five years: the company may nonrenew only for misrepresentation or fraud, a measurably increased risk, or 60 days’ notice under section 143.17. The department’s consumer page matches that split and says the notice has to give the factual reason, the appeal right, and that the Illinois FAIR Plan may be available. Do not quote 215 ILCS 5/143.17a for a typical homeowners policy. That section excepts the personal-lines definitions in section 143.13.

Read the statute · NAIC department directory

2022 HO-3 AVERAGE

$1,343

Rank 30 in the Triple-I table of NAIC data. Not a 2026 price. The U.S. figure was $1,569.

2024 MIDWEST ZONE

$1,476

Average premium per policy in the NAIC MCAS study. Company data are confidential, so this is not a Illinois average.

ZONE NONRENEWALS

14.2 per 1,000 policies in 2024, up from 5.5 in 2022

The report’s zone increases run from 96% to 216%. It does not assign the 96% floor to the Midwest by name..

Premium trend

From 2018 to 2024, inflation-adjusted premium per policy in the Midwest zone: Inside the report’s inflation-adjusted range of 18.3% to 43.3%. A separate Midwest percentage is not stated in the summary prose.. Nominal average premium per policy in 2024 was $1,476.

The countrywide 2024 book was about $1,600 per policy across 103.3 million policies. Localized ZIP codes move faster than the zone. A March 2026 NAIC data call is collecting ZIP-level detail that this page does not have yet.

[22][19][21]

Insurer of last resort

Illinois FAIR Plan. The Department of Insurance tells nonrenewed homeowners they may be eligible for the Illinois FAIR Plan. PIPSO counted 1,961 Illinois habitational policies in fiscal year 2024. What the plan covers still needs a look at the plan’s own materials. [22]

Where to complain

Illinois Department of Insurance takes complaints about notices, cancellations, and claim handling.Illinois Department of Insurance If the site has moved, start from the NAIC directory. Department web addresses were not all re-checked on this review beyond the link above. Needs verification if the link fails.

What to do with the notice

  1. Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
  2. Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
  3. Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
  4. Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
  5. Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
  6. If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
  7. Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
  8. Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
  9. If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
  10. Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.

Insurers people search in Illinois

Questions people type

How many days’ notice does Illinois require before a homeowners non-renewal?

30 days mailed, or 60 days after five years. 215 ILCS 5/143.17 and 215 ILCS 5/143.21.1 Section 143.17 says a company may not fail to renew a policy of the personal fire, extended-coverage, and related kinds defined in section 143.13 unless it mails the named insured at least 30 days’ advance notice, and keeps proof of mailing. The nonrenewal is not effective until at least 30 days after that mailing date. Section 143.21.1 adds a second rule after a fire and extended-coverage policy has been effective or renewed for five years: the company may nonrenew only for misrepresentation or fraud, a measurably increased risk, or 60 days’ notice under section 143.17. The department’s consumer page matches that split and says the notice has to give the factual reason, the appeal right, and that the Illinois FAIR Plan may be available. Do not quote 215 ILCS 5/143.17a for a typical homeowners policy. That section excepts the personal-lines definitions in section 143.13. [42][43][18]

What is the average homeowners premium trend in Illinois?

The 2022 HO-3 average republished by Triple-I from NAIC data was $1,343 in Illinois, rank 30. That is not a 2026 price. Illinois is in the NAIC Midwest zone, where the 2024 average premium per policy in the MCAS study was $1,476. Nominal average premium per policy in 2024 was $1,476. [22][19][21]

What if I cannot find another homeowners insurer in Illinois?

Illinois FAIR Plan: The Department of Insurance tells nonrenewed homeowners they may be eligible for the Illinois FAIR Plan. PIPSO counted 1,961 Illinois habitational policies in fiscal year 2024. What the plan covers still needs a look at the plan’s own materials. File a complaint or ask for help through Illinois Department of Insurance. If that site has moved, use the NAIC department directory. [22][27]

Sources reviewed 2026-10-14

Open the document. The sentence above is only as current as that reading.

  1. [18] If your homeowners insurance policy is non-renewed. Illinois Department of Insurance. Reviewed 2026-10-14. https://idoi.illinois.gov/consumers/consumerinsurance/homeownerrenter/if-your-homeowners-insurance-policy-is-non-renewed.html
  2. [19] Examining Homeowner Property Insurance Market Dynamics, 2018–2024 (31 July 2026). NAIC Center for Insurance Policy and Research. Reviewed 2026-10-14. https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf
  3. [21] NAIC members by zone. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/membership-report/members-zone
  4. [22] Facts + statistics: homeowners and renters insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  5. [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
  6. [27] State insurance department directory. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/state-insurance-departments
  7. [42] 215 ILCS 5/143.17. Illinois General Assembly. Reviewed 2026-10-14. https://ilga.gov/documents/legislation/ilcs/documents/021500050K143.17.htm
  8. [43] 215 ILCS 5/143.21.1. Illinois General Assembly. Reviewed 2026-10-14. https://www.ilga.gov/Documents/legislation/ilcs/documents/021500050K143.21.1.htm